1. Introduction
Welcome to Naima Nouidjem and The Power Coaching Formula (“we,” “us,” or “our”).
These Terms & Conditions govern your use of our websites, programs, and digital services, including any content, coaching, or materials provided under our brand.
By accessing or using our website or enrolling in any program, you agree to these Terms & Conditions. If you do not agree, please do not use our services.

2. Services Overview
Naima Nouidjem offers transformational coaching, online courses, memberships, and related educational content (collectively, the “Services”).
All services are designed for educational and personal development purposes only and do not constitute therapy, medical advice, or financial consulting.

3. Eligibility
You must be at least 18 years old to purchase or participate in any program or service.
By using this site, you confirm that you are legally capable of entering into binding agreements.

4. Payment and Billing

• All prices are listed in USD unless otherwise stated.

• Payments are processed securely through third-party platforms such as Stripe, PayPal, or Gymfao.

• You agree to provide accurate payment information and authorize charges according to the selected plan.

• For payment plans, you agree to complete all installments on time.

Refunds:
Due to the digital and experiential nature of our programs, all sales are final. Refunds are not available once access is granted, except where required by law.

5. Program Access
Upon purchase, you will receive access credentials for your program or course.
Access is for personal use only — sharing login credentials, reselling content, or redistributing materials is strictly prohibited.
We reserve the right to revoke access without refund if misuse, plagiarism, or unethical behavior is detected.

6. Intellectual Property
All content on this website and in our programs — including videos, text, graphics, branding, and course materials — is the intellectual property of Naima Nouidjem.
You may not copy, reproduce, distribute, or modify any material without prior written consent.
Limited use is granted for personal educational purposes only.

7. Coaching and Results Disclaimer
Our programs and coaching are designed to inspire and empower transformation. However, individual results vary based on effort, participation, and personal circumstances.
We do not guarantee specific outcomes, income increases, or business results.
You acknowledge full responsibility for your progress, decisions, and results.
8. User Conduct
You agree not to:

• Use our site or services for unlawful purposes.

• Post or transmit offensive, defamatory, or infringing content.

• Interfere with the operation or security of our platforms.

• Share or exploit private community content outside the platform.

Violation of these terms may result in immediate termination of access without refund.

9. Confidentiality
Any personal information shared during coaching or within our programs is treated as confidential.
We may reference anonymous success stories for marketing purposes only with your consent.

10. Third-Party Services
Our website and programs may integrate with third-party tools or links (e.g., Gymfao, Calendly, Stripe).
We are not responsible for their policies or service performance. Please review their Terms and Privacy Policies.

11. Limitation of Liability
To the fullest extent permitted by law, Naima Nouidjem, her team, and affiliates shall not be liable for any direct, indirect, or consequential damages arising from your participation in our programs or use of our website.
You agree to indemnify and hold harmless Naima Nouidjem and her representatives from any claims or damages resulting from your misuse of our services.

12. Governing Law
These Terms shall be governed by and interpreted under the laws of the United States, without regard to conflict of law principles.
Any disputes shall be resolved through mediation or arbitration before resorting to court proceedings.

13. Modifications
We may update these Terms from time to time.
Updates take effect upon publication on this website. It is your responsibility to review this page regularly.

14. Contact
For any questions or concerns about these Terms & Conditions, please contact:
📧 info@naimanouidjem.com
🌐 www.naimanouidjem.com