The Terms and Conditions below apply to all coaching and support provided by Luminous Limited trading as Naked Divorce (“Naked Divorce”), Spark ("Spark") and Naked Recovery Online ("NakedRecoveryOnline") to any individual and client. During the course of this agreement, all companies will be referred to as Luminous.
These terms and conditions MUST be signed prior to commencing coaching.
The terms ‘coaching’, ‘Divorce Angel’, 'coaching services', 'trauma coaching' are here used and cover marriage coaching, trauma coaching, divorce coaching and support to clients and where applicable, includes mentoring or supervision services provided for other divorce angels and coaches.
The date that the first divorce support session takes place shall be deemed to be the start date for the service. Where any client is unhappy with any of the terms and conditions they can contact Luminous on firstname.lastname@example.org or email@example.com to discuss any concerns and see if they can be resolved before the first divorce support session.
Participation by any individual in the first support session and/or payment of the first invoice, constitutes acceptance of these terms and conditions.
1. Service to be provided: Divorce Coaching / Divorce support / Divorce Angel support / Relationship Coaching / Family Mediation / Relationship Coaching / Mentoring / Supervision.
1.1 Format of Sessions: Telephone sessions, Skype sessions, Live Event or other format where such is agreed.
Unless otherwise agreed, the client is responsible for telephoning the team at agreed times. The Luminous team are responsible for ensuring that they are available for consultation at agreed times.
1.2 Length of Each Session: As agreed between Luminous and the client.
1.3 Initial Number of Sessions to be provided: To be agreed between Luminous and the client as per the agreement of the programme or services being conducted. Luminous will send the client information about how to book sessions with the assigned coaches. In cases where this is not possible, sessions will be confirmed by Luminous by email or written correspondence. Where no specific number of sessions are agreed, sessions will be provided on a session by session basis.
1.4 Per Session Fee: In accordance with Luminous‘s current per-session fee or fee for a programme of sessions, or any other such fee as shall be agreed and notified to the client. Luminous will confirm the fee in writing, usually by email, unless this is impractical.
1.5 Number of sessions for which payment is required in advance: To be agreed before coaching sessions commence.
2. Additional Sessions.
Unless a package of sessions has been purchased or a specific Online programme, Retreat or packaged service is provided, Luminous may agree to provide additional coaching sessions after completion of the initial agreed session(s). These terms and conditions will apply to any additional sessions so provided and the per-session fee will remain the same as originally agreed except where Luminous notifies the client in writing by letter or e-mail of a change to the Fee or to any other term or condition in accordance with the section in these terms and conditions headed “Variation of Terms and Conditions”.
3. Dates and Times of Sessions.
3.1 The date and time of the first session and all subsequent sessions will be agreed between Luminous and the client by phone or email and confirmed by Luminous by email or letter.
3.2 Sessions can only be rearranged in accordance with the section in these terms and conditions headed “Rearranging Sessions”.
4. Payment Terms.
4.1 Fees can be paid online by debit or credit card using the Paypal payments system, by standing order or by bank transfer. Where receipts or invoices are requested by the client, they will be sent by e-mail unless otherwise requested.
4.2 All Retreats, Live Events and Online Programmes need to be paid upfront.
4.3 All Coaching fees are payable in advance unless otherwise agreed.
4.4 Where payment is required on receipt of invoice rather than in advance, a charge may be levied for late payment.
5. Between Sessions.
5.1 Luminous may assign the client tasks or exercises to complete between coaching sessions. There is no obligation on the client to complete these items of ‘homework’, but not doing so may slow the client’s progress in gaining improved quality of life or achieving the outcomes of the Luminous coaching.
5.2 Where possible, clients are requested to submit any information requested by Luminous relating to assignments at least 24 hours before the coaching session when they are to be discussed. Luminous will provide feedback on completed assignments during coaching sessions.
5.3 The client may contact their assigned Coach or Angel by phone or e-mail between sessions to seek clarification regarding anything arising from a coaching session or for administrative purposes (e.g. where a client needs to rearrange a coaching session or make a payment).
5.4 Additional coaching can also be provided between sessions but there will be an additional charge for this (unless otherwise arranged). Luminous will always advise a client in advance if the nature of a client’s contract is likely to incur an additional charge and no such charges will be imposed without the client’s agreement.
6. Rearranging Sessions.
6.1 If a client needs to rearrange a coaching session, they should provide at least 24 hours' notice. In exceptional circumstances your assigned Coach or Angel may need to rearrange a coaching session. In those instances 48 hours notice will be given to the client where practical.
6.2 Where a client pays for sessions in advance, they must have the coaching session(s) that they have paid for within 6 months of the payment or their fee is forfeited.
Personal information or business information supplied by clients in coaching sessions will be treated as confidential. It will not be disclosed to a third party without the client’s prior permission, save where required by law or where action might be necessary to prevent harm to the client or someone else or where the team reserves the right to contact family members or parties close to clients if concerned for emotional or physical well-being of a client. We review cases of concern with our clinical supervisors.
8. Refunds and Returns.
8.1 Returns policy for Coaching sessions.
8.1.1 Session-by-Session Coaching – this pertains to clients who purchase sessions one at a time.
8.1.2 Any client who is dissatisfied with a particular coaching session that they have purchased, can ask for a full refund for that particular session and this will be given, provided that the request for a refund has been made within one week of completion of the singular coaching session.
8.1.3 If a client obtains a refund for a session in accordance with this clause, then the client and Luminous each have the option to terminate this contract immediately, confirming such termination by email or letter.
8.1.4 Pre-purchased Coaching Packages – this pertains to clients who purchase coaching packages bought in advance which have been discounted at a special rate for a bulk purchase.
8.1.5 If the client has done all the work assigned to them and still felt no value was derived, the original fee received will be returned. No adjustments will be made in changes to foreign exchange rates.
8.1.6 If the client has not done all the work assigned to them and want to quit coaching for their own personal reasons or for reasons covered under Section 9 Early Termination, a full refund will be given only at the discretion of Luminous and once an administration fee and Paypal processing fee has been deducted (this amounts to between 5-15%). No adjustments will be made in changes to foreign exchange rates. Luminous reserve the right to convert the coaching already provided pro rata at standard hourly rates and issue a refund less the hours spent on coaching to reflect the total value the Coaches and Angels spend on the coaching.
8.3 Electronic and Physical Products
8.3.1 If you are not 100% satisfied with your purchase of electronic products, we will be happy to accept a return for up to 14 days from the purchase date. Electronic products will be refunded up to 5 days after date of purchase provided they have not been downloaded and there is sufficient evidence to show they have not been downloaded. Physical products must be in the condition you received them in and include the original packing slip. We highly recommend you return the product using a tracking number. All transactions are conducted in USD and no adjustment for changes in foreign exchange rates will be made.
8.3.2 Return Policy for Online Products:
Luminous do NOT issue refunds after online products have been downloaded and delivered to the client, who is responsible for understanding the terms and conditions upon purchasing from our site. However if a client finds a functional error in an online product, they can contact us using the contact form on our website and we will rectify any errors and provide the corrected online product to the customer within 48 hours. The notification of error in relation to an online product needs to be made by the customer within 2 weeks of receipt of the online product.
If you have any questions about this information, please feel free to contact our team and we will be in touch within 48 hours.
8.3.3 Return Policy for Physical Products:
If you are not completely satisfied with your purchase, simply return the item to us in its original condition within 14 days of receipt. Returned items should be unused and must be returned in original packaging with any enclosed documentation. We will issue a full refund on receipt, excluding the original delivery charge. Alternatively, if preferred, we will exchange the item.
Please note: Goods will only be accepted for return if they are dispatched within 14 days of delivery, unless we have notified you otherwise. The item is your responsibility until it reaches us. Therefore for your own protection we recommend that you send the parcel using a delivery service that insures you for the value of the goods.
The cost of returning the item to us is your responsibility.
Delivery charges are only refundable where goods are faulty and a refund is made.
We recommend that customers return goods for refund or exchange using Parcel2Go.com
Parcel2Go.com is a reputable online parcel delivery company offering a wide range of international courier services including DHL, Parcelforce Worldwide and City Link. In addition, Parcel2Go.com is the only parcel delivery website in the UK to offer FedEx’s first class services.
With Parcel2Go.com, online parcel tracking means the progress of a consignment can be checked at every stage of transit.
For your protection, Parcel2Go.com offers FREE £50.00 compensation cover for loss or damage.
Click here to go to the Parcel2Go.com website.
Luminous 42 Old Hertford Road. Hatfield. Hertfordshire. AL9 5EY. United Kingdom
All returns are inspected to ensure that the item has not been used, and are refunded within 30 days of cancellation. You card is refunded to the full amount, but any additional shipping charges are non-refundable.
If you have any questions about this information, please feel free to contact firstname.lastname@example.org and please provide as much information as possible.
9. Early termination.
9.1 In exceptional circumstances, such as illness or unavailability due to bereavement or other commitments, inappropriate behaviour or a lack of commitment by the client, actual or potential conflict of interest, or other reasons, Luminous can decide to terminate the service to the client early or refuse or be unable to provide further divorce coaching sessions to the client. In such a circumstance the client will be given reasonable notice of termination by Luminous or the assigned Coach or Angel where practicable. If a coaching package was provided at reduced rates, Luminous reserve the right to convert the coaching already provided pro rata at standard hourly rates and issue a refund less the hours spent on coaching to reflect the total value the Coaches and Angels spend on the coaching. Refunds will be given less an administration fee of between 5-15% which covers the Paypal processing fee as well as the administrative fee of processing the refund. No adjustments will be made in changes to foreign exchange rates.
9.2 The client is entitled to terminate the service early at any time by giving written notice by email or letter. Such notice will take immediate effect as soon as it is received by Luminous or the assigned Coach or Angel. In such a circumstance the client will be entitled to a full refund for any standard coaching sessions already paid for but not yet provided to the client. If a coaching package has been provided at a discount whereby standard coaching rates have been discounted, Luminous reserve the right to convert the coaching already provided pro rata at standard hourly rates and issue a refund less the hours spent on coaching to reflect the total value the Coaches and Angels spend on the coaching.
The Luminous team and all of the highly trained Coaches and Angels will seek to enable the client to improve their quality of life, heal from their divorce and to achieve their desired outcomes. Remarkable results can be achieved where clients follow a clear plan in a committed way. However, the client has sole responsibility for taking important decisions in their life. Luminous has no liability for any loss incurred by any client, whether financial or otherwise, following commencement of coaching sessions, or for any perceived failure by the client, whether justified or otherwise, to achieve a material improvement in quality of life or business or to achieve their desired outcomes or goals.
11. Limitation of liability.
11.1 Luminous shall only be responsible for direct losses that result from our failure to comply with these terms of business and our liability shall be limited to 100% of all payments made to us under this Agreement.
11.2 Luminous shall not be responsible for indirect losses that result from our failure to comply with these terms of business including, but not limited to, losses that fall into the following categories:
(a) loss of income or revenue;
(b) loss of business;
(c) loss of anticipated savings; or
(d) loss of data.
11.3 However, nothing shall limit in any way our liability for any matter for which it would be illegal or unlawful for us to exclude or attempt to exclude our liability.
12. Events outside our control.
We will not be liable or responsible for any failure to provide services, under these terms of business that are caused by events outside our reasonable control including any act, event, non-occurrence, omission or accident beyond our reasonable control and includes, in particular (without limitation), the following (a) strikes, lock-outs or other industrial action; or (b) civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war; or (c) fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster; or (d) impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport; or (e) impossibility of the use of public or private telecommunications networks; or (f) if a client has failed to disclose vital information during any sessions or lied during sessions.
13. Full disclosure.
It is vital that clients are honest within sessions to be properly supported by our team. If a client fails to disclose critical information, then in so doing, they waiver any rights to hold Luminous accountable for failure of service.
14. Intellectual property rights.
During the term of these terms of business and whilst providing the services, we will prepare or produce certain materials, including in hard copy and electronic form. Unless otherwise agreed the materials and intellectual property rights in those materials (including, but not limited to any copyright, patents, know-how, trade secrets, trademarks, trade names, design right, get-up, database rights) shall remain the ownership of Luminous.
15. Governing Law.
This contract is governed by the law of England whose courts have exclusive jurisdiction in relation to any dispute, disagreement, proceedings or legal claim of any nature relating to the service provided or the contract.
Luminous reserves the right to recommend the services of other institutions or professionals if appropriate to your outcomes. These services are offered without liability, obligation or redress to our company or ourselves.
On occasion Luminous will ask clients to put forward a testimonial or act as a referee for the business to be used in different formats, such as on the website or advertising campaign. This will only happen with your permission and after you have signed an agreement to that effect.
By commencing this programme, you agree to provide a testimonial in writing or video if satisfied with the programme.
ALL Luminous Coaches and Angels give advice in best faith. It will be the client’s decision to accept guidance. Luminous therefore cannot accept responsibility for the consequences of such decisions. If the team feel a client’s life is in danger, they reserve the right to contact family members to ensure client safety first and foremost.
Feedback about the service is welcomed and can be given during a coaching session or by writing to Luminous 42 Old Hertford Road, Hatfield, AL9 5EY, United Kingdom.
20. Variation of Terms and Conditions.
Where an Initial Number of Sessions is agreed, any changes to these terms and conditions intended to take effect prior to the conclusion of those Initial Number of Sessions will only have effect if agreed by both Luminous and the client and confirmed by Luminous in writing by email or letter. In other cases, Luminous may change any of these terms or conditions including the per-session fee by giving the client one week’s notice in writing by letter or e-mail of the change(s). If following receipt of such notification of change, the client no longer wishes to proceed with further coaching sessions, they may withdraw from the service immediately by giving notice in writing by email or letter.
My Personal Agreement to my Coach or Angel which I will abide by..
Because all decisions and actions result in outcomes, and because I am committed to achieving all the results I purposefully designed within the Coaching Programme, I agree to the following:
1. I agree to participate 100% in time, energy and commitment to my actions and goals.
2. I agree that it is my responsibility to maintain a calendar of all scheduled coaching calls, both completed and upcoming. I agree to be present and on time for ALL Coaching calls and on time, or early, for all email deadlines.
3. I agree to email daily or weekly homework to my Coach, promptly and on time, for the duration of the coaching programme
4. I agree that honesty and integrity are critical to my success. There is no failure, only feedback.
5. I agree to be CLEAR and CONCISE in all my communication with my Coach and avoid excuses or storytelling. I accept RESULTS only
6. I agree that I am responsible for my own actions and results. I will not complain, blame, justify or defend.
7. I agree to openly accept the accountability feedback I receive from my Coach, as it is integral to achieving my goals. If my Coach points something out, I take it on board knowing that she has my best interests at heart in alignment with my goals and commitments.
8. I agree to do whatever it takes, for as long as it takes to achieve my results and celebrate them.
9. I understand that the Coaching Process is simply a mirror for me and my life. I will let go of old behaviours, habits and hang ups and create new behaviours, habits and strategies that will get me the results I've committed to.
10. I understand that sometimes my coach will give me coaching that I will not like or want to abide with. I agree to be open to the coaching and try it on like a jacket, trusting that my coach has my best interests at heart.
11. I also agree to abide by all additional Coaching Terms and Conditions listed within this agreement
12. I agree that action together with accountability are life-long commitments. Your results can only grow to the extent that you do.
Ensure you watch out for these Warning Signs:
It is completely normal and appropriate to feel extreme sadness and a complete loss of control as the result of a bad break up or divorce. It is normal to feel hopeless and helpless. It is normal to feel you want to withdraw from life to grieve and get over your lost relationship. It is also normal to feel numb and to wonder about dying, but only if this is a passing thought.
If you’re dwelling on morbid thoughts, you need to address them. Below are the warning signs to watch out for. Contact your doctor, family or the Luminous team if you suspect you’re moving into dangerous territory.
www.suicide.org advises a full list of warning signs that you can review. We have re-written this list as we believe the behaviours described should be red-flagged only if they are above and beyond what is reasonable for someone dealing with divorce.
Please review the warning signs below carefully and ensure that when you check in with your loved ones, that they are aware of you keeping these warning signs in mind.
Normal feelings that should be monitored if they continue longer than 7 weeks:
• Feeling hopeless and helpless.
• Experiencing dramatic mood changes.
• Exhibiting an extreme change in personality.
• Losing interest in most activities.
• Experiencing an extreme change in sleeping habits.
• Experiencing an extreme change in eating habits.
• Performing poorly at work.
If you experience these symptoms, please seek help from your doctor immediately:
• Appearing depressed most of the time.
• Talking or writing about death or suicide OR planning your death.
• Withdrawing completely from family and friends for an extended period.
• Feeling trapped; feeling there is no way out of the situation.
• Abusing drugs or alcohol.
• Exhibiting a change in personality – above what is reasonable for your divorce.
• Giving away prized possessions.
• Feeling excessive guilt or shame.
• Acting recklessly. Emotional loss will already have impaired your concentration levels. As a result, impulsive behaviour could place you in danger.
Be responsible for your well-being during all of our programmes and keep a vigilant watch over the above warning signs. If we have concerns for your well-being we reserve the right to contact your family or emergency contacts.
Notice of important information and health warnings:
Some people experience some heightened levels of stress during our programmes. Although stress is a part of life, for some people, this stress is abnormal if they have a history of mental illness or emotional problems. If you have a history of emotional problems or mental illness, you may find yourself more vulnerable during the programme.
If at any stage, this heightened level of stress is a cause for concern, contact the team at Luminous and seek medical attention immediately.
If you have a history of mental illness or emotional problems either personally or within your family OR if you have concerns about your ability to complete the programmes or handle the daily commitment of the programme or handle the stress of examining your relationship, whether temporary, occasional or intermittent, and whether treated or not, do not participate in the our programmes.
If you are not sure about your ability to participate in the programme then discuss your participation with a mental health professional or contact one of our trained staff in our team.
It is ultimately your choice but we have been advised that you do not participate in our programmes if you::
(a) are uncertain about your ability (either mentally, emotionally or physically) to participate in our programmes or are currently in therapy and your therapist has advised you to not participate in our programmes;
(b) have a history of Borderline Personality Disorder or manic-depressive disorder which is also known as bi-polar disorder either personally or within your family, are taking, have taken or been prescribed to take within the previous 18 months any medication to treat bi-polar disorders; any drugs or medicines, whether prescription or non-prescription, intended to treat or affect mental processes or mood or to treat a chemical imbalance (such as Lithium, Gabapentin or Depakote); or anabolic steroids;
(c) have considered suicide, self-harm or harm to yourself or another or have a history of depression (acute or chronic), whether or not this has ever been treated or diagnosed; are taking, have taken or been prescribed to take within the previous 18 months anti-depressants (such as Celexa, Cipram, Prothiaden, Elavil, Prozac, Zoloft, or others);
(d) have a history of any psychotic disorder (an example would be Borderline Personality Disorder or schizophrenia), (either yourself or within your family) whether or not you or your family are being or have ever been treated or hospitalised; are taking, have taken or been prescribed to take within the previous 18 months antianxiety drugs (such as Klonapin, Xanax, Dormicum, Librium, Ativan, or others); anti-psychotics (such as Stelazine, Risperdal, Zyprexa, Dogmatil or others);
(e) have a history of drug abuse (including steroids and cannabis) which has not been treated or have used any drugs or steroids in the past 12 months
(f) do not fully disclose information vital to your emotional or mental well-being
I don't recommend doing any of our programmes without a Coach or Angel. Our programmes are designed to be completed whilst having support such as with a Coach or Angel.
If you wish to have an impartial super-trained Luminous coach to be your personal Coach or Angel, feel you require any additional support, or just want to do the programme with people like you (so much more fun) you can join the many support programmes by checking www.nakeddivorce.com or www.nakedrecoveryonline.com for more information.
If you don’t think you should participate, please contact us immediately to arrange your full refund.
If you think you need additional support, please upgrade your support package.