These are the Terms and Conditions applicable to Naked Divorce Payment Policy
Naked Recovery Online and our associated website programs and live retreats of all descriptions require payment to secure your placement.
After a confirmation has been emailed to you, a courtesy hold requires payment within 5 working days to secure the reservation.
For places that have a waiting list, a 24 hour courtesy hold will be offered.
Live Event and Retreat Cancellation
It is your responsibility to read and understand our cancellation policy before making a reservation to attend any of our live events or retreats.
Naturally, no one books with the intention of cancelling or postponing their retreat, but unexpected things do happen, so please purchase travel cancellation insurance once you have made your reservation.
Cancellation” is defined as not attending your scheduled Retreat or Live Event or Online Program, including postponing or rescheduling.
“You” refers to the guest booking a retreat of any description by Naked Recovery Online and our associated websites.
“We” refers to Naked Recovery Online and our associated websites, including Naked Divorce, and Naked Marriage Online.
Travel and Cancellation insurance for Live events and Retreats
To join any of our live events or retreats, we strongly recommend that you purchase your own Travel Insurance.
Please be sure that your insurance policy covers you for all relevant ACTIVITIES you will be engaging upon on your retreat & TRIP CANCELLATION.
Depending on the policy and conditions, travel cancellation insurance will pay for some or all cancellation fees.
With most agencies, insurance must be purchased within 14 days of making your reservation.
You can reschedule your live event, retreat or participation in any of our Online Supported programs for any available time within 2 years from the purchase date, subject to availability with a minimum of 14 days’ notice (as much notice as possible is appreciated).
In the event that you provide less than 14 days’ notice you may forfeit your service without refund. Please refer to our guest cancellation policy.
An additional surcharge may be payable in the event that costs of delivering the service have increased, such as for example in the event that accommodation costs have increased if part of your package.
In the event that we have incurred significant fees such as accommodation, flights or other associated costs to deliver the service you purchased, then these costs will be deducted from your payments. Thus you may need to pay an additional surcharge for the service to be delivered at a later time.
Guest Cancellation Policy
We do not offer refunds unless a psychological diagnoses prevents you from attending your retreat. In that event everything except any travel and accommodation costs can be refunded. Typically a portion of your payment may be used as credit for another retreat, live event or online program to be taken within two years of your original start date.
We will also gladly transfer your credit to another guest. If you cancel your participation, depending on when you cancel, cancellation penalties may apply.
Fees are determined using the following schedule:
- 90 days before event: If you cancel more than 90 days before your retreat start date, 100% of your payment may be applied to another Retreat, Live event or Online Supported Program.
- 60 – 89 days: If you cancel 60 – 89 days before your Retreat, Live event or Online Supported Program start date, 75% of your payment may be applied to another Retreat, Live event or Online Supported Program. You will forfeit 25% of the fees you paid.
- 15 – 59 days: If you cancel 15 – 59 days before your Retreat, Live event or Online Supported Program start date, 40% of your payment may be applied to another Retreat, Live event or Online Supported Program. You will forfeit 60% of the fees you paid.
- 14 days or less: If you cancel 14 days or less before your retreat start date, you will forfeit your entire payment.
Exceptions to our policy cannot be made for any reason. We do not offer credit for a guest arriving late or leaving early. You must submit your signed Participant Agreement form within one week of booking or 90 days prior to your Retreat, Live Event or Online Program start date, whichever comes first. Guests who fail to do so, may be subject to an automatic cancellation and the above policy will apply.
If you paid for our flights to travel to you
These travel costs are non-refundable in all instances unless appropriate travel insurance was purposes allowing for refunds and cancellations.
Naked Recovery Online and our associated website Retreats and Live Events Cancellation policy
In the event that Naked Recovery Online or one of our associated websites need to cancel an event for any reason, you may transfer your full retreat payment to another retreat, or you may request a refund of your payment to us, constituting a full settlement.
Naked Recovery Online and our associated websites will not be held responsible for your expenses incurred in preparation for any cancelled retreat or live event, such as airline tickets, loss of work, and/or other costs associated with preparing for your trip.
These are the Terms and Conditions applicable to Cancelling Naked Divorce Coaching Services
NOTE: The Terms and Conditions below apply to all coaching and support provided by Luminous Limited trading as Naked Divorce (“Naked Divorce”) to any individual and client. They MUST be signed prior to commencing coaching.
The terms ‘coaching’ and ‘divorce angel’ are here used and cover divorce support to clients and where applicable includes mentoring or supervision services provided for other divorce angels and coaches.
In return for the fees payable by the client (or by a third party on their behalf), Naked Divorce agrees to provide the service as described below and in accordance with the terms and conditions set out below. The client agrees to pay fees for the service on the terms and conditions set out below (in situations where a third party pays the fees, the third party counts as an agent acting on behalf of the client).
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 Naked Divorce on the Contact us Page to discuss any concerns and see if they can be resolved before the first divorce support session.
Participation by any individual in the first divorce support session constitutes acceptance of these terms and conditions. Here is an excerpt of the relevant sections of the Overall Coaching and Mentoring 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 Naked Divorce and the client by phone or email and confirmed by Naked Divorce 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 Divorce support packages online are usually paid upfront.
4.3 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 Naked Divorce 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 Naked Divorce coaching.
5.2 Where possible, clients are requested to submit any information requested by Naked Divorce relating to assignments at least 24 hours before the coaching session when they are to be discussed. Naked Divorce will provide feedback on completed assignments during coaching sessions.
5.3 The client may contact their assigned Divorce 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). Naked Divorce 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 Divorce 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 Naked Divorce 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 Naked Divorce 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. Naked Divorce 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 Naked Divorce Angels spend on the coaching.
8.3 Electronic Products
8.3.1 IF YOU ARE NOT 100% SATISFIED WITH YOUR PURCHASE, WE WILL BE HAPPY TO ACCEPT A RETURN FOR UP TO 14 DAYS FROM THE PURCHASE DATE FOR A FULL REFUND. (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 THAT THEY HAVE NOT BEEN DOWNLOADED.) PRODUCTS MUST BE IN THE CONDITION YOU RECEIVED THEM AND INCLUDE THE ORIGINAL PACKING SLIP. WE HIGHLY RECOMMEND YOU RETURN THE PRODUCT USING A TRACKING NUMBER. ALL TRANSACTIONS ARE CONDUCTED IN UNITED STATES DOLLARS (USD) AND NO ADJUSTMENT FOR CHANGES IN FOREIGN EXCHANGE RATES WILL BE MADE.
8.3.2 Return Policy for Online Products:
Luminous Ltd 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 UK and 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.
Parcel2Go.com offers low cost discounted courier rates.
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.
5 Cardinals Close
Bexhill on Sea
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 us on the Contact Us page on this website.
The process of refunds and exchanges
- Refunds are usually processed within 14 days of receipt, however please allow up to 30 days for the money to appear on your statement.
- Refunds are processed according to the original method of payment. When this is not viable, refunds are given to you in the form of a cheque.
By commencing this program, you agree to provide a testimonial in writing or video if satisfied with the program.
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, Naked Divorce 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 Naked Divorce or the assigned Divorce Angel where practicable. If a coaching package was provided at reduced rates, Naked Divorce 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 Naked Divorce 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 Naked Divorce or the assigned Divorce 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, Naked Divorce 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 Naked Divorce Angels spend on the coaching.
The Naked Divorce team and all of the highly trained Divorce 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. Naked Divorce 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 Naked Divorce 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 Naked Divorce 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 Naked Divorce 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 Naked Divorce.
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.
Naked Divorce 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 Naked Divorce 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.
Naked Divorce give advice in best faith. It will be the client’s decision to accept guidance. Naked Divorce 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 Naked Divorce at
5 Cardinals Close
Bexhill on Sea
OR by contacting us on the Contact us page.
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 Naked Divorce and the client and confirmed by Naked Divorce in writing by email or letter. In other cases, Naked Divorce 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.
Ensure you watch 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 naked divorce 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 the Naked Divorce 21-day program 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 the 21-day program. 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 program.
If at any stage, this heightened level of stress is a cause for concern, contact the team at Naked Divorce 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 program or handle the daily commitment of the program or handle the stress of examining your relationship, whether temporary, occasional or intermittent, and whether treated or not, do not participate in the naked divorce 21-day program.
If you are not sure about your ability to participate in the program 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 the 21-day programme if you:
(a) are uncertain about your ability (either mentally, emotionally or physically) to participate in the 21-day program or are currently in therapy and your therapist has advised you to not participate in the 21-day program;
(b) have a history of 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 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