Welcome to Women’s Millionaire coaching, training program  and services! Once you place an order with Women’s Millionaire  then a legally binding contract will be formed between you and Women’s Millionaire and constitutes acceptance of these terms and conditions.

The terms and conditions  apply to all coaching and mentoring services, membership  and training programs, courses  provided by Women’s Millionaire, to any individual or organization (“the client”) and constitute the contract for the service to be provided by Women’s Millionaire for the client. The term ‘coaching’  used here covers business coaching, life coaching, personal coaching, executive coaching, career coaching, consulting, all training programs, courses and also includes, where applicable, mentoring or supervision services provided for clients, coaches or others. 

In return for the fees payable by the client (or by a third party on their behalf), Women’s Millionaire  agrees to provide the service(s) as requested and purchased by the client. The client and/or third party agent, agrees to pay fees for the service on the terms and conditions set in this contract.

Coaching is not psychological counselling or any type of therapy, and should not be construed as such.


Women’s Millionaire offers a variety of services and training programs, Including single sessions, coaching packages,  training programs and coaching on an annual basis. The client may book a single  introductory coaching or consulting session. Often these sessions are used to assess and determine the clients needs to meet their goals or consult on a single matter.  Women’s Millionaire will discuss with the client their preferred style of coaching or service. The client has the right to talk openly and candidly and  is encouraged to discuss any concerns they have with their coach on any area of the coaching process.  Women’s Millionaire  welcomes openness and honesty and is recommended by clients to achieve their best results.

The Coaching Programs are created and sold as whole packages and cannot be altered or partially completed in any way. If you are enrolled in continuing Coaching for a number of sessions, unused sessions due to quitting the program may not be eligible for refund, credit or transfer.

Package sessions of 3, must be used within 3 weeks.  Similarly, packages of 6 must be used within the 6 week period and cannot be postponed to several months later.  If a credit is given at our sole discretion,  the provision of  a credit in one instance does not entitle the client to credits in the future for similar instances, nor does it obligate us to provide credits in the future, under any circumstance.

Much of the coaching and consulting occurs online,  the telephone or Zoom.  All  calls with your Coach are billed at the Client’s expense, and initiated by the Client.

Women’s Millionaire often assigns the client tasks or exercises to complete between coaching sessions. There is no obligation on the client to complete these tasks, but not doing so may hinder the client’s progress for achieving their goals. When possible, clients are requested to submit any information requested by Women’s Millionaire  relating to assignments at least 24 hours before their coaching sessions when they are to be discussed. Women’s Millionaire can then provide feedback on completed assignments during coaching sessions.


It is understood that while Women’s Millionaire provides coaching, consulting  and training to clients, it is entirely up to the client to achieve her/his desired outcomes and WM assumes no liability for the client’s actions or results. The client has sole responsibility for any decisions they may make following services or training with Women’s Millionaire. This also includes any recommendations or referrals WM may make to the client on alternative services, or use of recommended photos.

Women’s Millionaire will work with you to problem solve,  provide motivation, identify solutions and offer suggestions, options and advise based on their own personal experience, training and resources.

Your Coach will do everything possible to support you in achieving your desired goals and results,  however the client is at all times responsible for achieving  her/his outcomes ,and fully accepts her/his full responsibility for all decisions and  actions.

WM has no liability for any loss incurred by any client, whether financial or otherwise, following commencement of coaching sessions or on the basis of any advice or documentation given by WM, guest speakers,  either in the WM blog, at an event, or for any perceived failure by the client, whether justified or otherwise, to achieve financial gain,  improvements in quality of life or to achieve their desired outcomes or goals.

You as Client, by signing this Coaching Agreement agree and acknowledge that the Coach is not a licensed investment advisor, real estate agent, accountant, finance, health or legal professional.  You are advised by Women’s Millionaire to obtain legal advice when necessary.


Payment in full is required prior to commencing work for all WM services, except for  payment plans that are arranged for annual coaching and memberships.  We accept Interac Email Transfer, Echeck and credit cards.

For international clients Women’s Millionaire  accepts payments through  Western Union Bank.


The membership fee for the Women’s Millionaire Memberships  service any other charges you may incur in connection with your use of the service, such as taxes and possible transaction fees, will be charged on either as one payment up front or in monthly instalments to your Payment Method on the calendar day corresponding to the commencement of the paying portion of your membership.  If you do not cancel your membership, you will be billed monthly until you cancel it and inform Women’s Millionaire  in writing by email.

To use Women’s Milionaire  service you must provide one or more Payment Methods. You can update your Payment Methods by going to the Payments tab on the My Account page. We may also update your Payment Methods using information provided by the payment service providers, Paypal and Square. Following any update, you authorize us to continue to charge the applicable Payment Method(s). You authorize us to charge any Payment Method associated to your account in case your primary Payment Method is declined or no longer available to us for payment of your instalment fee. You remain responsible for any uncollected amounts. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may suspend your access to the service until we have successfully charged a valid Payment Method. For some Payment Methods, the issuer may charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Check with your Payment Method service provider for details.

We reserve the right to suspend the coaching services, terminate the contract between us, or have a collection agency involved if our charges are overdue for payment by you. Unless agreed otherwise, all our charges include appropriate taxes in Ontario, Canada.


If any instalment payment should default, the Client will have seven (7) days to rectify the situation. Any schedules coaching session(s) will be postponed until payment is received within the 7 days, all discounts and bonuses will be forfeited and full payment will apply. If a Client should default on any instalment payment, the result may be cancellation from the Program and the Cancellation Policy will apply. An N.S.F. or credit card decline will result in penalty from our payment processing company in cases of payment default.


All Coaching Sessions are scheduled in advance by direct agreement between you and Women’s Millionaire, with payments paid in advance.

Clients are expected to be on time for all appointments and live sessions.  Women’s Millionaire is not responsible for making up time in appointments due to the client’s lateness.  Clients are also expected to have assignments done before your appointments and not having assignments done is not sufficient reason to cancel an appointment.

If you need to  rearrange an appointment or cancel within 48 hours  given notice, sessions  may be rescheduled at a mutually accepted time, at the discretion of Womens’s Millionaire and if time is available.  If  the client does not provide 48 hours notice, then the fee will be forfeited. All notice of cancellation must be in writing and delivered by voice mail, mail or email to  A cancellation notice will be considered effective  on the date in which the cancellation is received by Women’s Millionaire  There are no refunds, credits or transfers available for no-shows, or for failure to complete a training program.

If at any time wither the Client or Coach believe the Coaching Sessions and agreement are no longer serving the needs of the Client, she/he is encouraged to  initiate a discussion to remedy the situation prior to cancelling the Program or Sessions.

The client may terminate their coaching contract at any time in writing. No refunds will be due however. Any services that have yet to be provided at the time of cancellation will therefore be considered as having been provided.

Women’s Millionaire  can elect to terminate the service to the client early or refuse to provide any further support services should Women’s Millionaire deem the relationship unworkable, or due to any unfit verbal abuse, bullying, harassment or unacceptable conduct. In the event of extraordinary circumstances occurring that prevent Women’s Millionaire  from providing its services as contracted, then Women’s Millionaire shall  refund any outstanding fees due for services not rendered.


Women’s Millionaire  reserve the right to adjust pricing for our Services or any components thereof in any manner and at any time as we may determine in our sole and absolute discretion. Except as otherwise expressly provided for in the Terms of Use, any price changes will take effect following notice to you.

The Coach reserves the right to change, modify or cancel any programs as considered necessary. Any such change will be made in consultation with the Client.


The satisfaction of  clients is Women’s Millionaire highest priority and we are committed to providing the best tools, coaching skills and methods. The client is fully responsible for themselves and their actions within and outside of the Services provided. Women’s Millionaire,  and its coaches or guest speakers are released from any liability claims and clients remain responsible for their decisions and actions during and as a result of the Service.


Links from this website and Women’s Millionaire newsletter are provided for your convenience. Should you leave this site, or the newsletter, via a link contained herein, the content that you view therein is not provided by our company. We are not responsible for, nor have developed or reviewed, the content at those websites.. We make no guarantees, representations, or warranties as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, or timeliness of any electronic content.


Women’s Millionaire may endorse, promote or suggest services and/or products for sale, based on a review of their product or their relationship with a person,

and may be compensated if you decide to purchase that product based on my recommendation. In some cases, Women’s Millionaire will receive the product for free for review purposes. It is still the clients responsibility to due their own due-due-diligence when making purchases.

CONFIDENTIALITY                                                                                                                                              Women’s Millionaire keeps all personal and business  information shared  by the client confidential for all services and programs. Conversations between the coach and the participant shall be treated by the coach as strictly confidential at all times and shall not pass your details to any third party. It will not be disclosed to a third party without the client’s prior permission, save where required by law.

For organizations, Information and data received under this agreement shall only be disclosed to person(s) within an organization only if such person(s)  have a need to know to support the program and are bound in writing to protect the confidentiality of clients. Multi-party contracting will be clearly specified and agreed upon by all involved parties before the beginning of an  assignment. Further, Women’s Millionaire  ensures that all employees and subcontractors involved are made subject to adequate confidentiality


Feedback about the service is welcomed and can be given during a coaching session or by emailing to   Women’s Millionaire continually strives to ensure the standard of service it provides to its clients remains outstanding. At the end of the coaching process, or series of coaching sessions, the client will be asked to complete a feedback form.


Women’s Millionaire owns and retains all rights to the Services. You further acknowledge and agree that the Content you access and view as part of the Services is owned or controlled by Women’s Millionaire. The Services and the Content are protected by copyright, trademark, and other intellectual property laws.


All presentation materials and assessments used in coaching and training programs prepared by Women’s Millionaire  are subject to copyright and other intellectual property rights and are its sole intellectual property, except as otherwise indicated . This contract shall not be construed to grant Client any patents, licenses or similar rights to such property entrusted hereunder. Client shall hold in trust and confidence all materials, and they are only to be used by Client in relation to the agreed upon assignment.

All materials may not be recorded, used or reproduced without the written permission of the owner.

Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information provided for your personal use only, but you may not reproduce or distribute the information to others,  copy the information on your own server, or link to Women’s Millionaire  website, without prior written permission of Maureen E. Smith. Use or reproduction of information from this service for any other purpose is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.


You and other users  agree to use the Services for lawful, non-commercial, and appropriate personal  purposes only. You agree that you will not use the Services and Content under the following circumstances: 

i)  Sell, share or reproduce any materials provided to you by Women’s Millionaire. You acknowledge they are only for your own use as part of the coaching services or training programs/ courses;  ii) Violate the rights of others, including patent, trademark, trade secret, copyright, privacy, publicity, or other proprietary rights; iii)  Use technology or other means to access, index, frame, or link to the Services (including the Content) that is not authorized by Women’s Millionaire  (including by removing, disabling, bypassing, or circumventing any content protection or access control mechanisms intended to prevent the unauthorized stream capture, reproduction, access to, or distribution of the Services);  iv) Introduce viruses or any other computer code, files, or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; v) Violates these Terms or any guidelines or policies posted by Women’s Millionaire, or Interferes with any other party’s use of the Services

If Women’s Millionaire determines in its sole discretion that you are violating any of these Terms, we may notify you, and use measures to block or restrict your access or use of the Services. In either case, you agree to immediately stop accessing or using in any way (or attempting to access or use) the Services, you agree not to circumvent, avoid, or bypass such restriction, or otherwise restore or attempt to restore such access or use.


The client understands that all action taken is performed voluntarily and is your own responsibility. Clients should seek independent legal and professional advice before undertaking any physical, or investment actions.


No waiver or any amendment to these terms shall be effective unless in writing and signed by both you and Women’s Millionaire. This contract shall be governed by and construed by the laws of the Province of Ontario, Canada.

MEDIATION                                                                                                                                                                    If any unforeseen conflict arises that can not be resolved by the Coach and Client, the Client agrees to first obtain the services of a Qualified Mediator in the Province of Ontario, to settle any such conflict, before proceeding to court. If settlement is not obtained through mediation, then the services of an  Arbitrator may additionally be used. 

GOVERNING LAW                                                                                                                                                    These Conditions and all contracts made pursuant to them shall be governed by and construed in accordance with the Province of Ontario  and the parties hereby submit to the exclusive jurisdiction of the Ontario Courts.

AGREEMENT                                                                                                                                                                By entering into a Coaching Agreement either through signing an agreement with Women’s Millionaire, accepting this digital agreement  or paying any amount to Women’s Millionaire  you agree to abide by the terms and conditions as set out above.


  Women's Millionaire ®    - All Copyright Reserved - 2023


Thanks for your message. We'll be in touch with you soon within 24 hours.


Log in with your credentials

Forgot your details?