Are you tired of spinning your wheels, agonizing over what to do next, or simply doubting your ability?



CONNECTORS

ACADEMY

Take the learning curve out of growing your

business online


THE WORLD NEEDS WHAT YOU HAVE TO OFFER.

IT'S TIME TO TRADE-IN OUTDATED SALES AND MARKETING TACTICS (and mindsets) SO THAT YOU CAN GENERATE MORE LEADS, SIGN NEW CLIENTS AND CREATE MORE IMPACT.

just imagine

A brand that clearly (and genuinely) articulates your unique strengths in a crowded market

Knowing how to build trust to create meaningful connections that move your ideal clients forward into action

A strong vision accompanied by a step by step implementation plan to grow your business online

THE CLIENTS WE WORK WITH TEND TO BE

COACHES, ENTREPRENEURS, AND SERVICE PROVIDERS WHO...


◾Feel like you've been treading water with your sales and marketing efforts for far too long


◾Spent way too much time attempting to put different pieces of sales funnels, CRMs, and lead generation techniques together to grow your business online with little to show for it


◾Want a simple, intuitive approach to launch your business without all the hassles and costly mistakes

There are plenty of steps that you can take that will keep you hustling. How many of these sound familiar?

  • You attend some Zoom networking events that don't produce leads let alone qualified prospects
  • You make some cold calls and get crickets
  • You share some content on Facebook to build your brand that falls flat
  • You launch a website that gets little engagement
  • You send a few requests to people on LinkedIn to sell yourself without actually selling yourself
  • You buy a CRM to streamline your efforts and it collects dust
  • You create a video and attempt to promote it because video marketing is 'the thing' these days

That's the short list.

These don’t create the know, like and trust factor that business relationships are built on. They don’t create the cohesive and consistent plan to attract your ideal prospects and future clients. They don’t do much more than cost you time and lost opportunities.

There are plenty of steps that you can take that will keep you hustling. How many of these sound familiar?

  • You attend some Zoom networking events that don't produce leads let alone qualified prospects
  • You make some cold calls and get crickets
  • You share some content on Facebook to build your brand that falls flat
  • You launch a website that gets little engagement
  • You send a few requests to people on LinkedIn to sell yourself without actually selling yourself
  • You buy a CRM to streamline your efforts and it collects dust
  • You create a video and attempt to promote it because video marketing is 'the thing' these days

That's the short list.

These don’t create the know, like and trust factor that business relationships are built on. They don’t create a cohesive and consistent plan to attract your ideal prospects and future clients.


They don’t do much more than cost you time and lost opportunities.

In today's ever-changing business landscape you have to think differently.

It is possible to gain a new connection’s trust quickly and close business faster using what you already know.

If you have built your business offline, you can build your business online. You're DIFFERENT than the Instagram and TikTok influencers. You know business. You have the competitive edge. You just need to translate what you're doing into a simple and repeatable online business growth strategy.


That's where I come in.

the back story

I've been in sales for 20+ years – and not all of them have been rosy. I’ve attended countless meetings and network events but still feel like I wasted hours of time. I made a lot of mistakes using social media platforms in an effort to elevate my personal brand.

I spent lots of time trying to decipher what tech platforms I needed to support my business operations with little to no ROI. And what the heck was a funnel anyway?

Then I started to understand how relationship-based selling strategies can engage prospects and clients in ways traditional approaches never could.


I started sharing the strategies and tactics I had learned with my private coaching clients. Their connections increased. Their client lists grew. Their business growth accelerated.


Out of those client experiences and successes, I created the Immediate Influence framework.

the back story

I've been in sales for 20+ years – and not all of them have been rosy. I’ve attended countless meetings and network events but still feel like I wasted hours of time. I made a lot of mistakes using social media platforms in an effort to elevate my personal brand.

I spent lots of time trying to decipher what tech platforms I needed to support my business operations with little to no ROI.

Then I started to understand how relationship-based selling strategies can engage prospects and clients in ways traditional approaches never could.


I started sharing the proprietary business development strategies and tactics I had learned with my private coaching clients. Their connections increased. Their client lists grew. Their business growth accelerated.


Out of those client experiences and successes, I created the Immediate Influence framework.

The Immediate Influence framework is THE catalyst

...for helping you win more attention, connections, and opportunities than typical tactics ever could.

...for moving you from a stale sales and marketing to a dynamic relationship-based strategy.


...for keeping you top of mind with your target audience and ideal clients so you when it's time to invest you are their #1 choice.

opportunity

Setting yourself apart from your competition in the digital economy is alot easier than you think.


The digital landscape makes this simpler in so many ways. Here are just a couple…

LEAVE YOUR MARK

Make remarkable first impressions on everyone you encounter - both offline and online - while quickly building rapport that makes your audience and connections want even more.

STRATEGICALLY GROW RELATIONSHIPS

Create a network of strategic business connections that amplifies your relationship-based selling focus through referrals, recommendations and repeat customers.

A proven client getting framework grounded in relationship-based selling fundamentals that is repeatable and adaptable is your key to creating these outcomes.

Introducing

The Connectors Academy

The Connectors Academy is my signature program for developing and perfecting a long-term business growth strategy and action plan. This program includes an intensive online curriculum, weekly live co-working sessions with Q&A, mastermind calls, and an exclusive community of supportive business professionals.

In this step-by-step program, you will learn the strategy, tactics, processes, and accountability you need in order to increase your influence, strengthen your business network, broaden your reach and grow your business online through the power of creating authentic relationships.

In addition, you'll get the skills and tools to manage what matters most when building anything new: your brain. What you believe about social selling and how it works (or doesn't) will be the invisible thing that stops you from achieving your business goals. We identify these hidden beliefs and uncover your subconscious biases so that you get the results quickly - without getting derailed by your own brain.

PRIVATE ONBOARDING SESSION

WEEKLY LIVE CO-WORKING SESSIONS +

WEEKLY OFFICE HOURS SESSIONS

DIGITAL TRAINING VAULT + IMMEDIATE

INFLUENCE FRAMEWORK

ACCESS TO THE PRIVATE CONNECTORS

COMMUNITY

Introducing

The Connectors Academy

The Connectors Academy is my signature program for developing and perfecting a long-term business development strategy and action plan. This program includes an intensive online curriculum, weekly live training sessions with Q&A, mastermind calls, and an exclusive community of supportive business professionals.

In this step-by-step program you will learn the strategy, tactics, processes and accountability you need in order to increase your influence, strengthen your business network, broaden your reach and grow your business through the power of relationship-based selling.

In addition, you'll get the skills and tools to manager what matters most when building anything new: your brain. What you believe about social selling and how it works (or doesn't) will be the invisible thing that stops you from achieving your business goals. We identify these hidden beliefs and uncover your subconscious biases so that you get the results quickly - without getting derailed by your own brain.

PRIVATE ONBOARDING SESSION

WEEKLY LIVE CO-WORKING SESSIONS + OFFICE HOURS

SESSIONS

DIGITAL TRAINING VAULT + IMMEDIATE

INFLUENCE PROGRAM

ACCESS TO THE PRIVATE CONNECTORS

COMMUNITY

Learn

Practical tools and strategies that will help you understand how you best connect with others and what old habits are keeping you stuck getting the same results over and over. You will learn how to leverage new habits to create (or uplevel) your brand, build your network and maximize technology to attract your ideal clients and customers.

Implement...

Proven tactics to boost your revenue by building trustworthy relationships with new and existing clients using the right activities that work with your brand and help you achieve your business goals.

Take Action...

On a simplified clarity blueprint you can follow to get in front of the right people, streamline your processes and make your first, hundredth or thousandth sale no matter where you are starting from.

Keep Moving...

Don't come to a screeching halt when your brain starts telling you all the reasons why this won't work or isn't working. Leverage the power of all elements of the program and the group to amplify your results - and do it faster than you can imagine.

Learn

Practical tools and strategies that will help you understand how you best connect with others and what old habits are keeping you stuck getting the same results over and over. You will learn how to leverage new habits to create (or uplevel) your brand, build your network and maximize technology to attract your ideal clients and customers.

Implement...

Proven tactics to boost your revenue by building trustworthy relationships with new and existing clients using the right activities that work with your brand and help you achieve your business goals.

Take Action...

On a simplified social selling blueprint you can follow to get in front of the right people, streamline your processes and make your first, hundredth or thousandth sale no matter where you are starting from.

Keep Moving...

Don't come to a screeching halt when your brain starts telling you all the reasons why this won't work or isn't working. Leverage the power of all elements of the program and the group to amplify your results - and do it faster than you can imagine.

IN THE BUSINESS WORLD WHERE EVERYONE FOLLOWS THE SAME PATH TO SUCCESS...

Accelerate Business Growth With the Connectors Academy

What's Inside the Program

IN THE BUSINESS WORLD WHERE EVERYONE FOLLOWS THE SAME PATH TO SUCCESS...

Accelerate Online Business Growth With the Connectors Academy

the backbone

The backbone of our program is Immediate Influence: a step by step framework and blueprint with trainings and implementation guides. Comprised of 7 key modules, Immediate Influence is your roadmap to strategically grow your brand, clientele, relationships, and business. Our work together will use this proprietary program to build your foundation AND catapult your business growth.

What's Inside the Program

the backbone

The backbone of our program is Immediate Influence: a step by step framework and blueprint with trainings and implementation guides. Comprised of 7 key modules, Immediate Influence is your roadmap to strategically grow your brand, clientele, relationships, and business. Our work together will use this proprietary program to build your foundation AND catapult your business growth.

01

PRIVATE 60-MINUTE ONBOARDING SESSION

During your private onboarding session, I will work with you to personalize your Connectors Academy experience to your business and business development goals. You’ll come out with a customized plan to quickly get your most pressing issues addressed while also leveraging what you already have to enhance your online presence, build stronger relationships and get more sales quickly.

02

WEEKLY CO-WORKING SESSIONS

Weekly co-working sessions provide you with training and support as we dive into ONE targeted topic each month. Content creation is a must so one co-working session will be devoted specifically to content. One session is focused on all things mindset. No matter if you make the calls live, or catch the replays, you'll have the time you need to implement the strategies and steps in your business.

01

PRIVATE 60-MINUTE ONBOARDING SESSION

Using the Immediate Influence framework, I will work with you to personalize your Connectors Academy experience to your business and business development goals. You’ll come out with a customized plan to quickly get your most pressing issues addressed while also leveraging what you already have to enhance your online presence, build stronger relationships and get more sales quickly.

02

WEEKLY CO-WORKING SESSIONS

These trainings are designed to dive into targeted topics where we will cover all things brand, crafting offers, funnels, outbound marketing, maintaining your business network and the best follow-up strategies as well as dive into newer options including leveraging technology and outsourcing to your benefit. All topics are designed to accelerate your results using the Immediate Influence framework and your personalized plan.

03

WEEKLY VIRTUAL OFFICE HOURS

Part Q&A, part mastermind and all productivity, weekly virtual office hours are your opportunity to get near-immediate feedback on any questions or hiccups you have. Through this mastermind structure with designated hot seat sessions, you will get the benefit of my insights and insights from your cohort members through their questions and observations. These office hours are your key to getting unstuck when real-life situations want to derail your best laid plans.

04

DIGITAL VAULT INCLUDING THE FULL IMMEDIATE INFLUENCE PROGRAM

The digital vault includes the complete Immediate Influence program which covers everything you need to know to turn your networking, marketing and sales efforts into a comprehensive and cohesive social selling strategy that engages prospects and potential referral partners. The vault is constantly updated with the latest tools and techniques to keep you in the know and on top of your game.

03

WEEKLY VIRTUAL OFFICE HOURS

Part Q&A, part mastermind and all productivity, weekly virtual office hours are your opportunity to get near-immediate feedback on any questions or hiccups you have. Through this mastermind structure with designated hot seat sessions, you will get the benefit of my insights and insights from your cohort members through their questions and observations. These office hours are your key to getting unstuck when real-life situations want to derail your best laid plans.

04

DIGITAL VAULT INCLUDING THE FULL IMMEDIATE INFLUENCE PROGRAM

The digital vault includes the full Immediate Influence program which covers everything you need to know to turn your networking, marketing and sales efforts into a comprehensive and cohesive business development strategy that engages prospects and potential referral partners. The vault is constantly updated with the latest tools and techniques to keep you in the know and on top of your game.

05

MEMBERS ONLY FACEBOOK GROUP

The Connectors Academy is the place for action takers who want to up their business relationship and connection game including hosting a community space for sharing the best ideas. The support and community that come with like-minded business owners who are focused on similar goals cannot be overstated. There is an exponential power that comes from having in-depth conversations, sharing wins, and helping each other with new solutions.

06

STRATEGIC ADVISORY

The Connectors Academy includes Live Strategic Advisory Calls. Invited experts will be sharing insights and you will also have the opportunity to get targeted feedback. These discussions are topic-focused, including Networking, Money, Branding, Marketing, Sales, Copywriting and more.

05

MEMBERS ONLY GROUP FOR ONGOING CONNECTION

The Connectors Academy is the place for action takers who want to up their business relationship and connection game including hosting a community space for sharing the best ideas. The support and community that comes with like-minded entrepreneurs and business owners who are focused on similar goals cannot be overstated. There is an exponential power that comes from having in-depth conversation, sharing wins and helping each other with new solutions.

06

STRATEGIC ADVISORY

The Connectors Academy includes monthly Live Strategic Advisory Calls. Invited experts will be sharing insights and you will also have the opportunity to get targeted feedback. These discussions are topic-focused, including Networking, Money, Branding, Marketing, Sales, and Copywriting.

the backbone

The backbone of our program is Immediate Influence: a step-by-step framework with training and implementation guides. Immediate Influence is your roadmap to strategically grow your brand, clientele, relationships, and business. Our work together will use this proprietary framework to build your foundation AND catapult your online business growth.

the backbone

The backbone of our program is Immediate Influence: a step-by-step framework and blueprint with training and implementation guides. Comprised of 9 key modules, Immediate Influence is your roadmap to strategically grow your brand, clientele, relationships, and business. Our work together will use this proprietary program to build your foundation AND catapult your business growth.

Here's What We'll Cover:

The Connectors Academy is designed with continuous phases of learning to help you attract, engage and win clients - it starts with clarity. This ensures the implementation of your plan is customized to your business so you can show up consistently with the right message to the right market....without overwhelm.

MAP

  • Create your business vision
  • Understand your numbers and set growth goals
  • Put basic processes in place so you can focus on what generates the most profit (and joy because you should have both)


ATTRACT

  • Clarify your niche
  • Clarify your message
  • Clarify your content pillars
  • Clarify your marketing channels
  • Position your brand in a way that earns respect and trust with your audience before you make the first contact


ENGAGE

  • Understand your social media audience
  • Craft magnetic messaging
  • Design a cross-platform content strategy
  • Optimize your social platform/s
  • Plan, organize, and repurpose content to save you time
  • Implement your visibility strategy
  • Create a compelling lead magnet
  • Learn how to leverage tech and automation to maximize your time


WIN

  • Outline and design your program/s
  • Build a simple step-by-step funnel
  • Plan the type of conversion event that works best for your clients
  • Utilize organic lead generation strategies that build relationships
  • Learn how to have a sales conversation without feeling salesy
  • Design your onboarding process for new clients
  • Strategically network with power partners


PLUS: You'll gain tools, resources and accountability to maximize your time, push comfort zones, and other mental blocks that keep you stuck.


**FAST ACTION

BONUS

* Available for a limited time

BRAND AUDIT + SOCIAL MEDIA BIO ($400 value)

Are you ready to stand out from the crowd, be found in searches and attract the right people?

Don’t let a critical piece of your online connection and relationship building stop you at the starting gate!

This 'done for you' bonus is ideal for anyone who wants to get found in a noisy online world but lacks the time to look across their key platforms and craft a cohesive brand presence. (Hint: that is almost all of us!). Here’s what you will get in your brand audit:

  • Social media profile reviews for consistency, connection and compellingness
  • Website analysis
  • Business collateral and asset assessment
  • Custom-crafted captivating social media summary profile for use on your platforms of choice
  • Confidence that your brand, experience and solutions will connect with your target audience and support your online business development plan

Too many people either miss or delay this key component of their online business growth strategy – and minimize their results in the process. Take this to-do item off your list and put it in the hands of a professional team that knows what makes brands stand out - to the right people at the right time.

STRATEGY + ACCOUNTABILITY + IMPLEMENTATION

**PAY IN FULL BONUS

QUARTERLY STRATEGY SESSIONS ...($1200 value)

Want to make sure your business growth plan stays updated to give you the best results in the shortest amount of time?

We will craft your 90-day plan and yearly vision in the onboarding process. These quarterly strategy sessions are your opportunity to do a deep dive into what is working, what’s not, and what needs to shift.

In these sessions, we integrate the real-life experiences and feedback coming in to update your personalized business growth plan so that it keeps working FOR you. During these sessions, we will review your goals, visibility and messaging strategies, and outreach efforts and results. We will also look at how you are leveraging technology to your benefit and what old habits and beliefs that may still be holding you back.

Unlike the weekly co-working sessions and mastermind calls which are laser-focused on a specific topic or issue, these quarterly reviews are an intensive session to update and modify your overall business growth plan to ensure that you are getting the best results. More importantly, these quarterly sessions will help you stay in motion, uncover blind spots you couldn’t have seen in the beginning and leverage the traction you have already gotten.

Business growth is a long-term strategy, but that doesn’t mean your plan won’t need to be tweaked, modified, and upgraded over the next year. These quarterly sessions are your secret weapon to the best results in the shortest timeframe.

It's time to level up your business

The Connectors Academy

A POWERFUL 12-MONTH IMPLEMENTATION PROGRAM BACKED BY A DIGITAL TRAINING VAULT TO HELP YOU ATTRACT, ENGAGE & WIN YOUR IDEAL CLIENTS

The program includes strategic focus, tactical training and live coaching to give you all the components needed for your relationship-based selling success.

  • Private Onboarding Session
  • Weekly Live Co-Working Sessions w/ Q&A
  • Weekly Office Hours Sessions
  • Access to the Digital Vault with ALL Updates
  • Immediate Influence Framework
  • Private Connectors Community


Do you want to continue to spin your wheels (or procrastinate) doing the wrong things for growing your business....or do you want to easily close the gap of getting clients in a crowded online world?


There are hundreds of ways to build a business. Inside CA, we teach you solid strategies and simple systems to take the learning curve out of growing your business online.

Clients said

My clients remember these two things from our work together —outstanding results and incredible value.


This complete program unquestionably delivers both.

The program was nothing short of illuminating.

“The program I worked through with Joyce was nothing short of illuminating. She helped me uncover so many blind spots and helped me build confidence in so many areas. Joyce showed me a path to building a brand and a message that is not asking but educational and gives, that can win many customers over the long term. Is the process quick and easy? No. Is there one silver bullet? No. But the process that builds on itself is repeatable and leads to much more valuable conversations and ultimately clients that are true partners in the long run."

GREG BAUGH, Executive Recruiter

DO THE WORK AND YOUR RESULTS WILL BE POWERFUL AND PROFITABLE

Immediate impact on my career development and trajectory

Working with Joyce has had an immediate impact on my career development and trajectory. Joyce’s process is easy to follow and implement for someone who is a busy professional and she has a library of resources and planning devices that assist you each step of the way. Her insights, guidance, and support have assisted me in finding new client opportunities as well as growing existing relationships all while increasing my personal brand and achieving my goals.

KATIE LORD, VP Non-Profit Development at Proof Positioning

Remember: You Are Always One Good Investment Away From Taking Your Business to a Whole Different Level

The Question Is: Do You Know a Good Investment

When You See One?

I'LL GIVE YOU A HINT: THIS IS IT

If you’re ready to make powerful, purposeful changes to accelerate your business and create a relationship-based selling strategy that creates a solid business with repeatable success and ongoing customer flow, it all starts with one click.

Well worth the investment in both time and money!

“Hiring Joyce is the best business decision I've ever made. I was on pace to accomplish objectives (that I've been working on for three years) in our first 90 days of working together. Working with her is well worth the investment in both time and money!”

RICK SOETEBIER,

Relationship Coach

The Connectors Academy

A POWERFUL 12-MONTH IMPLEMENTATION PROGRAM BACKED BY A DIGITAL TRAINING VAULT TO HELP YOU ATTRACT, ENGAGE & WIN YOUR IDEAL CLIENTS

The program includes strategic focus, tactical training and live coaching to give you all the components needed for your relationship-based selling success.

  • Private Onboarding Session
  • Weekly Live Co-Working Sessions w/ Q&A
  • Weekly Office Hours Sessions
  • Access to the Digital Vault with ALL Updates
  • Immediate Influence Framework
  • Private Connectors Community
  • Copy of Your Connecting Advantage

Do you want to continue to spin your wheels (or procrastinate) doing the wrong things for growing your business....or do you want to easily close the gap of getting clients in a crowded online world?


There are hundreds of ways to build a business. Inside CA, we teach you solid strategies and simple systems to take the learning curve out of growing your business online.

The best investment I've made for business growth

“As a wealth advisor, we are limited by compliance for ways to market and grow our businesses. Working with Joyce not only shifted my mindset about what was possible but she also gave me the specific steps I could use to strategically grow my brand, network of trusted referral partners, and my firm. This was truly the best investment I've made for business growth."

JEFF MEYERS, ChFC, CASL, Managing Partner Meyers Wealth Management

faqs

Here are the most common questions we get.

WHAT'S THE CATCH?

I want you to achieve actual results, which won’t happen overnight. This is not a quick fix. If you are going to join the Connectors Academy, you will commit 12-month timeframe so you have time to learn and implement the strategies. You can access the digital training vault on your time. The weekly co-working sessions are available in the private Facebook group to listen to or watch at your convenience.

I'M LOOKING AT A FEW PROGRAMS. WHAT MAKES YOURS DIFFERENT?

In looking at the programs and coaches out there, the gap was clear. Courses & masterminds don’t offer a 360° approach with accountability and support. The Connectors Academy gives you everything you need to succeed. And we do mean everything.

WILL THIS BE ANOTHER THING ON MY TO-DO LIST?


The last thing you need is another task to do that wastes time on the wrong business activities. The Connectors Academy leverages the proven Immediate Influence framework coupled with group coaching and an accountability community to drive bottom line results.

DOES THIS PROGRAM COVER SOCIAL MEDIA?

Your presence and message on social media are perhaps the most crucial pieces that we will be fixing before we dive into social selling. We will teach you how to use the right social media platform/s for your business to increase your visibility and engage your target audience.

WILL YOU EVER RAISE YOUR RATES FOR THIS PROGRAM?

Yes, I'll most likely be raising the price of this program at some point in the future. But, once you sign up, you are grandfathered in at your current rate even if you decide to stay past the first year. A suggestion - join now and take advantage of all the trainings, additions to the digital vault and connections to other professionals in the community.

WHAT'S THE GUARANTEE?

This program is for business professionals who know they need support and are serious about getting it but are not at the point where investing in a $12,000 private coaching program is accessible. If that’s you, we’re fully, 100% committed to your success. If it’s not, we strongly encourage you to start with our Incubator Program instead.

P.S.


7 out of every 10 business professionals reading this will like the idea, but still decide to “think about it”.


Almost all of them will never come back to this page and miss the opportunity to accelerate their business.


Life will get in the way…


Fear will kick in…


Comfort zone will do its thing…


And they will stay exactly where they are at right now.


DON’T BE ONE OF THEM.


Make your decision NOW:


Either close this page and forget that you saw it


Or close your eyes, take a deep breath, and take the leap


After all, that’s how all the greatest accomplishments of mankind started.

So, What's It Going to Be?

The Connectors Academy

A POWERFUL 12-MONTH IMPLEMENTATION PROGRAM BACKED BY A DIGITAL TRAINING VAULT TO HELP YOU ATTRACT, ENGAGE & WIN YOUR IDEAL CLIENTS

The program includes strategic focus, tactical training and live coaching to give you all the components needed for your relationship-based selling success.

  • Private Onboarding Session
  • Weekly Live Co-Working Sessions w/ Q&A
  • Weekly Office Hours Sessions
  • Access to the Digital Vault with ALL Updates
  • Immediate Influence Framework
  • Private Connectors Community
  • Copy of Your Connecting Advantage

Do you want to continue to spin your wheels (or procrastinate doing the wrong things for growing your business....or do you want to easily close the gap of getting clients in a crowded online world?


There are hundreds of ways to build a business. Inside CA, we teach you solid strategies and simple systems to take the learning curve out of growing your business online.

As with any program, Layman Collective LLC is unable to make promises or guarantees with respect to any outcome from participation in The Connectors Academy program and therefore we cannot and do not guarantee success or any specific level of income or results associated with the services provided. You understand that ultimately you are responsible for your own success in business and that this program is designed to enhance, supplement, and support your business in your efforts to grow.


LAYMAN COLLECTIVE LLC & THE CONNECTORS ACADEMY - ALL RIGHTS RESERVED - TERMS & CONDITIONS