Last Updated: 10 September 2026
Welcome to Innoshe Wealth Circle / She Wealth Circle. These Terms and Conditions govern your access to and use of our website, membership services, digital products, educational content, coaching sessions, events and any other services offered through our platform.
By accessing our website, creating an account, purchasing a product, subscribing to a membership, or using any of our services, you agree to these Terms and Conditions.
If you do not agree with these Terms and Conditions, please do not use our website or services.
Innoshe Wealth Circle provides a community and educational platform designed to support women in areas including health, wealth, personal development, relationships, entrepreneurship and general wellbeing.
Our services may include:
Membership subscriptions
Online courses and training
Digital products and downloadable resources
Live or recorded coaching sessions
Zoom sessions and masterclasses
Health and wellness challenges
Wealth and business education
Relationship and personal-development content
Community and accountability programmes
Events and workshops
Other products and services offered through our website
You must be at least 18 years old to purchase a membership, product or paid service from our website unless a parent or legal guardian has provided the necessary consent.
By creating an account or making a purchase, you confirm that the information you provide is accurate, current and complete.
You are responsible for keeping your account login details confidential and for all activities conducted through your account.
Certain content and services may only be available to paying members.
Membership benefits, prices and features may differ depending on the membership package selected.
Where a membership is offered on a recurring basis, you authorise the applicable recurring charges according to the billing frequency displayed when you subscribe.
Membership fees and benefits may be changed from time to time. Where reasonably possible, existing members will be informed of material changes affecting their subscription.
Access to membership-only content may end when a membership expires, is cancelled or payment is unsuccessful.
All prices displayed on the website are in South African Rand (ZAR) unless otherwise stated.
Payments may be processed using third-party payment providers available on our website.
You agree to provide accurate billing and payment information when completing a transaction.
We do not directly store complete bank card information where payment details are securely handled by an authorised third-party payment processor.
An order, membership or service may only be confirmed once the required payment has been successfully received or authorised.
Members may request cancellation of their membership in accordance with the cancellation options made available through the website or by contacting us.
Cancelling a membership prevents future renewals where applicable but does not automatically entitle the member to a refund for services or membership periods already provided.
Any cancellation and refund rights available under applicable South African consumer protection legislation remain unaffected.
Refund requests will be considered in accordance with applicable South African law and the nature of the product or service purchased.
Because certain products include immediate access to digital content, downloads, courses, membership resources or other electronic services, refund eligibility may be limited once the content has been accessed, downloaded or substantially consumed, subject to any rights you may have under applicable law.
Where a service has not yet been provided, refund or cancellation requests will be assessed based on the circumstances and applicable consumer protection requirements.
We reserve the right to refuse refund requests involving abuse, fraudulent activity or substantial use of digital or membership content where no legal refund right applies.
Digital products purchased through our website are licensed to the purchaser for personal use unless expressly stated otherwise.
You may not:
Resell our digital products;
Upload them to another website or platform for distribution;
Share paid downloads publicly;
Reproduce them for commercial purposes;
Distribute membership-only resources to non-members; or
Claim our materials as your own work.
Unauthorised distribution may result in termination of your account and further action where appropriate.
Information provided through Innoshe Wealth Circle is intended primarily for educational, informational and personal-development purposes.
Although we aim to provide useful and responsible information, we do not guarantee specific personal, financial, health, business or relationship outcomes.
Results will differ between individuals and depend on numerous circumstances beyond our control.
Any information relating to money, budgeting, investing, business, wealth creation or financial planning is provided for general educational purposes.
Unless expressly stated otherwise, such information does not constitute personalised financial, investment, tax, accounting or legal advice.
You remain responsible for your own financial decisions.
Where appropriate, you should consult a suitably qualified and authorised financial professional before making significant financial or investment decisions.
Innoshe Wealth Circle does not guarantee income, investment returns, business success or financial independence.
Health, fitness, nutrition and wellness information provided through our website, programmes or challenges is intended for general educational and wellness purposes.
It is not intended to diagnose, treat, cure or prevent any medical condition and should not replace professional medical advice.
Before beginning a new exercise programme, diet, wellness challenge or making significant changes affecting your health, you should consider obtaining advice from an appropriately qualified healthcare professional, particularly where you have an existing medical condition or concern.
Participation in fitness and wellness activities is voluntary and undertaken at your own risk, subject to applicable law.
Coaching, relationship and personal-development information provided through the platform is intended to provide education, support and general guidance.
It is not a substitute for professional psychological, psychiatric, medical, legal or other regulated professional services.
We do not guarantee any particular personal or relationship outcome from participating in our programmes.
Certain memberships or programmes may include live online sessions, webinars, Zoom meetings, workshops or events.
Dates, times, presenters and topics may occasionally change.
Where reasonably possible, members will be informed of significant changes.
Some sessions may be recorded. Where participants may be identifiable in a recording, appropriate notice or consent will be obtained where required.
Members are expected to treat other members, staff, coaches and community participants respectfully.
You may not use our platform or community spaces to:
Harass, threaten or abuse another person;
Discriminate against other members;
Distribute unlawful or harmful material;
Spam or solicit members without permission;
Share another member’s private information;
Impersonate another person;
Attempt to gain unauthorised access to another account; or
Use the community for fraudulent or unlawful activities.
We reserve the right to restrict or terminate access where these rules are seriously or repeatedly violated.
Unless otherwise stated, the content available through Innoshe Wealth Circle, including text, graphics, branding, course materials, videos, training materials, worksheets, downloadable resources and other original content, belongs to Innoshe Wealth Circle or its respective licensors.
No ownership rights are transferred to you when purchasing a membership, course or digital product.
You may use purchased materials for your personal use but may not commercially reproduce, distribute, sell or republish them without written permission.
Where members are allowed to submit comments, reviews, testimonials, images, posts or other content, you remain responsible for the material you submit.
You must not submit material that violates another person’s intellectual property, privacy or other legal rights.
We reserve the right to remove content that violates these Terms or applicable law.
We respect your privacy and process personal information in accordance with applicable South African data protection requirements, including the Protection of Personal Information Act, 2013 (POPIA).
Personal information may be collected when you:
Register an account;
Make a purchase;
Subscribe to a membership;
Join our newsletter;
Contact us;
Participate in programmes or events; or
Otherwise interact with our services.
Further information about how personal information is collected and processed should be provided in our Privacy Policy.
Where you voluntarily subscribe to newsletters or marketing communications, we may send you information about our programmes, products, events, resources and related services.
You may unsubscribe from marketing communications using the unsubscribe option provided in the communication or by contacting us.
Transactional communications relating to purchases, memberships or account activity may still be sent where necessary.
Our website may use or link to third-party services, including payment processors, video conferencing services, social networks and other online platforms.
Those services may have their own terms and privacy policies.
We are not responsible for third-party websites or services that operate independently from Innoshe Wealth Circle, except where liability cannot lawfully be excluded.
We aim to keep our website and services available and functioning properly but cannot guarantee uninterrupted access.
The website may occasionally be unavailable because of maintenance, hosting issues, security updates, technical problems or circumstances outside our reasonable control.
To the fullest extent permitted by applicable law, Innoshe Wealth Circle will not be responsible for indirect or consequential losses arising solely from the use of our educational content, programmes or website.
Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by South African law.
Nothing in these Terms removes any consumer rights that cannot lawfully be waived.
We may suspend or terminate an account where a user:
Seriously or repeatedly violates these Terms;
Engages in fraudulent activity;
Misuses membership content;
Shares paid content without authorisation;
Attempts to compromise the security of the website; or
Uses our services for unlawful purposes.
Where appropriate, we may provide notice before termination unless immediate action is reasonably necessary to protect the platform, other users or our legal rights.
We may update these Terms and Conditions from time to time to reflect changes to our services, business practices or legal requirements.
The latest version will be published on our website together with an updated revision date.
Continued use of our services after material changes have taken effect constitutes acceptance of the revised Terms, subject to applicable law.
These Terms and Conditions are governed by the laws of the Republic of South Africa.
Any dispute arising from the use of our website or services will be dealt with according to applicable South African law and the jurisdiction of the appropriate South African courts or dispute-resolution bodies.
Nothing contained in these Terms is intended to limit rights granted to consumers under applicable South African legislation, including the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, and other applicable consumer protection legislation.
Where any provision of these Terms conflicts with a mandatory provision of applicable law, the applicable law will prevail.
If you have questions regarding these Terms and Conditions, your membership, purchases or services, please contact:
Innoshe Wealth Circle / She Wealth Circle
Email: innocent@innoshewealthcircle.co.za
Phone: +27 63 267 1014
Website: innoshewealthcircle.co.za
By registering, purchasing, subscribing or continuing to use Innoshe Wealth Circle services, you acknowledge that you have read, understood and agreed to these Terms and Conditions.