TERMS AND CONDITIONS
JSBL Pty Ltd trading as Sonya Choi La Rosa, ABN 92 136 586 493
Last updated: 28 September 2026
These terms cover everything we offer: coaching and programmes (including ANCHOR, ASCEND and ACTIVATE), courses and digital products, webinars, masterclasses and events, in-person services, subscriptions, and your use of this website. Part A applies to everything. Parts B to E add the rules for each kind of offer. Our Privacy Policy explains how we handle your personal information.
PART A: GENERAL TERMS
A1. Who we are
A1.1 These terms are between you and JSBL Pty Ltd trading as Sonya Choi La Rosa, ABN 92 136 586 493 ("we", "us", "our", or "the Coach" where Part B applies).
A1.2 You can contact us at [email protected].
A2. Accepting these terms
A2.1 By buying, registering for, or using anything we offer, including by ticking "I agree" or a similar box at checkout, you agree to these terms. Ticking the box is as binding as signing a paper document.
A2.2 Each offer page sets out the details of that offer, such as what is included, the number and length of sessions, the timeline and the price ("Offer Details"). The Offer Details form part of these terms. If they differ from these terms, the Offer Details apply to the extent of the difference.
A2.3 You must be 18 or over to buy from us.
A3. Prices, payments and payment plans
A3.1 Prices are in Australian dollars (AUD) and include GST unless the offer page says otherwise.
A3.2 Payment is due in full at checkout unless a payment plan is offered on the offer page and you choose it. Payments are processed through our checkout (currently Kajabi, with its payment providers).
A3.3 If you choose a payment plan, you authorise us to charge your nominated card on each due date, and you agree to keep your payment details current. A payment plan is a commitment to the full price of the offer.
A3.4 If a payment fails, we will let you know and ask for another payment method. If it is not resolved within 7 days, we may pause your access or services until it is. Pausing access does not reduce the amount owed.
A4. Refunds
A4.1 Courses and digital products: 7 days. If you are not happy with a course or digital product, you can request a refund in writing to [email protected] within 7 days of purchase.
A4.2 Coaching and programmes. You may request a refund in writing to [email protected]. We will consider each request on its circumstances and respond within 7 days. A refund will not be given where:
(a) you have changed your mind;
(b) your personal, professional or financial circumstances have changed;
(c) the reason is outside our control; or
(d) you did not attend a session and did not give 48 hours' notice (see A5).
Where a refund is approved, it covers sessions and services not yet delivered.
A4.3 ACTIVATE follows the course rule, with the condition in B9.
A4.4 Webinars, masterclasses and events have their own refund rule (D3). Subscriptions have their own rule (A6).
A4.5 Approved refunds are paid to the original payment method within 10 business days.
A4.6 We may refuse a refund where the request is fraudulent or where these terms have been breached.
A4.7 Nothing in these terms excludes, restricts or modifies any right you have under the Australian Consumer Law, including consumer guarantees that cannot be excluded.
A5. Rescheduling and missed sessions
A5.1 You may reschedule any session by giving at least 48 hours' written notice (email or text message) before the session time. There is no fee. We will make best efforts to find a new time based on availability.
A5.2 If you give less than 48 hours' notice, or do not attend without contacting us, the session is forfeited and will not be rescheduled or refunded, except in a genuine emergency, which we will consider in good faith.
A5.3 If we need to reschedule, we will tell you as soon as we can and find a new time with you. If we cannot deliver a service at all, we will refund the fees for the part not delivered.
A6. Subscriptions
A6.1 A subscription renews each billing period until it is cancelled.
A6.2 You can cancel at any time by writing to [email protected] or through your account, at least 7 days before the next billing date, to stop the next payment. Access continues until the end of the period you have paid for.
A6.3 There is no refund for the current billing period.
A7. Our intellectual property
A7.1 All materials we provide, including programmes, courses, frameworks, tools, workbooks, templates, recordings, videos and website content, are owned by us and protected by copyright and other intellectual property law ("Materials").
A7.2 You receive a personal, non-transferable licence to use the Materials for your own development only. You must not copy, share, sell, publish, adapt or use them commercially, or give anyone else access to them, without our written permission.
A7.3 You are welcome to share your own learning and results.
A7.4 If you receive a refund, including through a chargeback, you must delete any copies of the Materials you hold.
A8. Confidentiality
A8.1 We treat what you share with us as confidential. The coaching-specific rules are in B6.
A8.2 In group settings (workshops, webinars, online groups), you agree to keep confidential what other participants share, and not to record, screenshot or repeat it outside the group.
A9. Artificial intelligence and technology
A9.1 We use technology, including artificial intelligence (AI) tools, to run the business: for scheduling, administration, preparing materials, and summarising and personalising content. AI output is for information only and may contain errors or omissions.
A9.2 We will not put your name, anything that identifies you, or anything you share in a coaching session into an AI tool without your consent. We use AI tools set so that your information is not used to train their models.
A9.3 AI tools do not coach you and do not make decisions about your engagement.
A9.4 The rules for AI in coaching sessions, including Zoom transcription and summaries, are in B5.
A10. No guarantee of results
A10.1 Our services are designed to support your personal and professional development, but we do not guarantee any specific result, including any result for your career, income, business or wellbeing. Your results depend on your own participation, decisions and actions.
A10.2 Testimonials and examples on our website and in our marketing are real experiences, shared to illustrate what is possible. They are not a promise that you will achieve the same.
A10.3 Nothing we provide is legal, financial, medical or psychological advice. Seek independent professional advice where you need it.
A11. Liability
A11.1 To the extent permitted by law, our total liability to you in connection with any offer is limited to the fees you paid for that offer in the 12 months before the event giving rise to the claim.
A11.2 To the extent permitted by law, we are not liable for any indirect or consequential loss, including loss of income, opportunity or reputation.
A11.3 Where a consumer guarantee applies and cannot be excluded, our liability is limited, where the law allows, to supplying the service again or paying the cost of having it supplied again.
A11.4 You agree to indemnify us against any claim, cost or loss arising from your breach of these terms or your misuse of the Materials.
A12. Using this website
A12.1 You must not use this website to break any law, introduce viruses or harmful code, copy or scrape its content, or post anything unlawful, defamatory or infringing.
A12.2 The information on this website is general information. We take reasonable care to keep it accurate but cannot guarantee it is always complete or current.
A12.3 This website links to other websites for convenience. We do not control or endorse them and are not responsible for their content, products or services.
A13. Complaints and disputes
A13.1 If you are unhappy with anything we provide, please write to [email protected] with your name, the offer, what the concern is, and what you would like us to do. We will acknowledge it within 3 business days and aim to resolve it within 14 business days.
A13.2 If we cannot resolve it between us within 30 days, either of us may propose mediation by a mutually agreed independent mediator, with the mediator's fees shared equally. Neither of us will start court proceedings until mediation has been tried, except for urgent interim relief.
A14. Ending an engagement
A14.1 We may end your access or services with immediate effect by written notice if you fail to pay, breach these terms, or behave in a way that is abusive, unlawful, or harmful to other participants.
A14.2 Where we end an engagement because of your breach, a refund is not owed, except as required by law. Where we end it for any other reason, we will refund fees for services not yet delivered.
A14.3 Clauses A7, A8, A11 and A15 continue after an engagement ends.
A15. Law and jurisdiction, wherever you are
A15.1 These terms are governed by the laws of New South Wales, Australia. You and we submit to the exclusive jurisdiction of the courts of New South Wales.
A15.2 Our services are provided from New South Wales, Australia, and prices are in AUD. If you buy from outside Australia, you are responsible for any taxes, duties or local laws that apply to your purchase where you live. Clause A15.1 applies wherever you are.
A16. General
A16.1 Events outside our control. Neither of us is liable for failing to perform because of events outside our reasonable control, such as illness, natural disaster, internet or platform outages, or government restrictions. If that lasts more than 30 days, either of us may end the engagement by written notice, and fees for services not delivered will be refunded.
A16.2 Changes to these terms. We may update these terms. Changes apply to purchases made after the update is published. Your existing purchase stays under the terms that applied when you bought, unless you agree otherwise.
A16.3 Relationship. We are an independent business. Nothing in these terms creates a partnership, employment or agency relationship.
A16.4 Assignment. You may not transfer your purchase or these terms without our written consent.
A16.5 Severability. If any part of these terms is invalid, it will be read down or removed, and the rest continues.
A16.6 Entire agreement. These terms, the Offer Details and our Privacy Policy are the whole agreement between us about their subject.
PART B: COACHING AND PROGRAMMES
Applies to 1:1 coaching (including ANCHOR), private partnerships (including ASCEND), and the coaching sessions inside ACTIVATE. ACTIVATE refunds follow B9.
B1. What coaching is, and is not
B1.1 The Coach is an International Coaching Federation (ICF) Associate Certified Coach (ACC) and follows the ICF Code of Ethics.
B1.2 Coaching is a partnership in a thought-provoking and creative process that supports you to reach your personal and professional potential. You set the goals; the Coach supports, challenges and helps you pursue them.
B1.3 Coaching is not therapy, counselling, psychological treatment, or legal, financial or medical advice, and is not a substitute for them. If the Coach believes you would benefit from support outside coaching, the Coach will recommend you seek it.
B2. Your goals and your coaching agreement
B2.1 Your goals for the engagement are agreed with the Coach in your first session and recorded in a short Coaching Agreement, together with your start date and your choices about recording and AI (B5). They can be revisited at any time by agreement.
B3. Your wellbeing
B3.1 Your wellbeing comes first. If you are in distress or crisis at any time, in a session or between sessions, the Coach may pause or end the session and will point you to appropriate support. In Australia: Lifeline 13 11 14, Beyond Blue 1300 22 4636, or emergency services on 000. Outside Australia, contact your local emergency number.
B3.2 Direct support between sessions (for example by WhatsApp or email) is for matters within your engagement, during the hours and period set out in the Offer Details. It is not a crisis or emergency service.
B4. What we each commit to
B4.1 The Coach will be punctual, respectful and professional, and will deliver the services to the standard of the ICF Code of Ethics.
B4.2 You agree to take part honestly and fully, prepare for sessions, complete agreed work between sessions, attend on time, and not attend any session under the influence of alcohol or drugs. You are responsible for your own decisions and actions during and after the engagement.
B5. Recording, Zoom transcription and AI summaries
B5.1 Recording. A session is recorded only with your consent, asked for before recording starts. Recordings are used only for the Coach's professional development, reflection and supervision, and to give you a copy for your own reference if you ask. Recordings are made to the Coach's computer, not Zoom's cloud, and kept in the Coach's secure Google Drive.
B5.2 Zoom transcription and summaries. Sessions on Zoom may use Zoom's AI features to transcribe the session and produce a written summary. This is optional and happens only with your informed consent, asked for in your Coaching Agreement. Zoom processes the audio on its own systems to create the transcript and summary, and the summary is held in the Coach's Zoom account. A summary is not a word-for-word record and may contain errors. It supports the Coach's reflection and records. It does not replace the Coach's responsibility for your coaching.
B5.3 Before you decide. Before asking for your consent, the Coach will explain what is recorded, where it is stored, how long it is kept, and what the Coach would do in the event of a breach.
B5.4 Treated as confidential records. Recordings, transcripts and summaries are confidential coaching records under B6 and our Privacy Policy. They are not routinely shared. The Coach may share a summary with you where it supports your coaching, and you are under no obligation to receive or use it.
B5.5 Your choice. You can decline, or withdraw consent at any time by writing to the Coach, with no effect on your coaching or the relationship. Withdrawal applies from that point on.
B5.6 Not for marketing. Recordings, transcripts and summaries are never published or used in marketing without your separate written consent.
B5.7 You must not record sessions without the Coach's written consent.
B6. Confidentiality in coaching
B6.1 Everything you share in coaching is confidential. The Coach will not use or disclose it, except:
(a) where required by law, including a court order or subpoena;
(b) where the Coach reasonably believes there is an imminent risk of harm to you or someone else;
(c) in professional supervision or mentoring, where you will not be identifiable; or
(d) with your prior written consent.
B6.2 Coaching conversations are confidential, but they are not legally privileged the way conversations with a lawyer or doctor can be.
B6.3 ICF credentialing. For professional credentialing and audit, the Coach may give the ICF your name, contact details and the start and end dates of the coaching, only to verify that the coaching took place. No notes or session content are shared.
B6.4 Sponsored coaching. Where your employer pays for or sponsors your coaching, the Coach may report to the sponsor in broad terms on attendance and progress, but will not disclose what is said in sessions without your explicit consent. Any three-way meeting with a manager is agreed in advance.
B6.5 Anonymised insight. The Coach may draw general, anonymised themes from coaching work for teaching and content. You will never be identifiable.
B7. Testimonials
B7.1 The Coach may ask whether you would like to give a testimonial or review. It is entirely voluntary and asked for separately from these terms. You may withdraw consent at any time, and the Coach will stop using it.
B8. Conflicts of interest
B8.1 The Coach will tell you about any actual or potential conflict of interest that could reasonably affect the coaching relationship.
B9. ACTIVATE refunds
B9.1 ACTIVATE is treated as a course for refunds. You can request a refund in writing to [email protected] within 7 days of purchase, provided you have completed no more than 50% of the programme's modules.
B9.2 After 7 days, or once more than 50% of the modules are completed, no refund is available for a change of mind. Your rights under the Australian Consumer Law are not affected.
PART C: COURSES AND DIGITAL PRODUCTS
C1. A course or digital product gives you personal, online access to its content for the period stated on the offer page, under the licence in A7.
C2. Refunds. If you are not happy with a course or digital product, you can request a refund in writing within 7 days of purchase (A4.1).
C3. You are responsible for your own device, internet connection and platform access. We are not liable for disruptions caused by them.
C4. We may update course content from time to time to keep it current.
PART D: WEBINARS, MASTERCLASSES AND EVENTS
D1. Each webinar, masterclass or event is described on its registration or checkout page, including whether a replay is available and for how long.
D2. When you register, you will receive access details by email. Please do not share them.
D3. Refunds. Paid webinars and events can be refunded on written request up to 48 hours before a live session. After that, or once a replay has been accessed, there is no refund for change of mind or non-attendance, but we will consider a transfer to a future event in exceptional circumstances. Your rights under the Australian Consumer Law are not affected.
D4. Recordings. Live sessions are recorded. The platform (for example Zoom) shows a recording notice when you join, and staying in the session means you agree to be recorded. You can turn off your camera and microphone and use a display name if you prefer. The replay is shared with registrants and may be kept in our library.
D5. Promotional use. We may use clips of our own presenting in promotion. We will not use your face, voice, name or chat messages in promotional material without asking you first.
D6. Conduct. Please take part respectfully. We may remove anyone who is abusive, disruptive or promotes unrelated products, without a refund.
D7. Bonuses offered at registration are available only while the promotion runs and may change.
D8. Guest speakers. Guests' views are their own, and we do not guarantee the accuracy of their contributions.
D9. Online groups. Where an event includes an online group, you must follow its rules and the platform's rules. Group access may be time-limited.
D10. We may cancel, reschedule or change an event. If we cancel, we will offer a new date, a replay, or a refund.
PART E: IN-PERSON SERVICES
Applies to in-person sessions and shopping days, including the shopping day in ASCEND.
E1. Unless agreed otherwise, services are delivered online. In-person sessions and shopping days are scheduled by agreement.
E2. Please arrive on time. A late arrival may shorten the session without a refund.
E3. Any agreed travel, venue or other costs are charged separately and approved by you in writing first.
E4. We cannot guarantee the availability, sizes or stock of any product recommended or seen on a shopping day, and we are not responsible for purchases you make from retailers.
E5. To the extent permitted by law, we are not responsible for accidents, injury or loss outside our reasonable control during in-person services.
Our Privacy Policy explains how we handle your personal information.