Introduction and acceptance

By using www.ourbetterversion.com (the “Website”), booking a service or buying a product, you agree to these Terms and Conditions (the “Terms”). If you do not agree, please do not use the Website.

These Terms apply to:

• browsing the Website and its free content;
• booking or paying for coaching, workshops and other services;
• buying or downloading products, whether paid or free; and
• contacting us or subscribing to our newsletter through the Website.

Some services may have extra terms, such as a workshop agreement for an organisation. Where they conflict with these Terms, the extra terms apply to that service.

You must be 18 or older, or have a parent or guardian’s permission, to buy from us or book a service.

These Terms take effect on Oct 01, 2026.

About us

The Website is operated by Our Better Version (“we”, “us”, “our”), a personal finance education and coaching business founded by Elizabeth Hamupembe and based in Namibia.

In these Terms, “you” means anyone who uses the Website, books a service or buys a product.

Education only, not financial advice

Everything we offer is for financial education and general guidance. We do not provide personalised or regulated financial, investment, tax, legal or accounting advice.

This applies to our videos, newsletter, templates, e-book, workshops and coaching. In coaching we help you understand your own numbers, set goals and build habits. We do not recommend specific investments, financial products, providers or tax positions.

By using our content and services, you accept that:

• you remain solely responsible for your financial decisions and their outcomes;
• we do not guarantee any financial result, such as savings, debt reduction, income or investment returns;
• examples, figures and calculations are illustrations and may not suit your situation; and
• you should speak to a licensed financial adviser, tax practitioner or lawyer before acting on anything that needs regulated advice.

We are not a financial services provider, bank, broker or investment manager. Testimonials on the Website reflect individual experiences and are not a promise of similar results.

Coaching and workshops

We offer the following services. Prices and inclusions are shown on the Website at the time of booking.

Online and in-person sessions. Coaching is offered online and in person. You choose your preferred format when you book, and we confirm it in your booking confirmation. Online sessions take place on a video-call platform we will tell you about. In-person sessions take place at a predetermined location, or at another agreed place. We may change the format or location with reasonable notice if circumstances require it, and we will agree the change with you.

Your responsibilities. Coaching works best when you take part honestly and consistently. You agree to give accurate information, complete agreed actions between sessions, and join sessions on time. For online sessions, you also need a stable internet connection. For in-person sessions, you agree to treat our team, the venue and other participants with respect.

Results. Coaching is guidance and support. We cannot promise outcomes, because they depend on your circumstances and your own actions.

Confidentiality. We treat what you share in coaching as confidential and use it only to deliver the service, except where the law requires disclosure. We ask group participants to keep what others share private.

Recordings. Sessions are not recorded unless both sides agree in advance. Please do not record sessions without our written permission.

Group and organisation bookings. For group coaching and workshops, we will send a written quote. The booking is confirmed once you accept the quote and pay the deposit where applicable. The quote sets the date, venue or platform, number of participants and any cancellation terms, and prevails over these Terms where they differ.

Bookings, rescheduling and cancellation

You book sessions through the Website’s calendar. A booking is confirmed when you receive our confirmation email and, where payment applies, your payment has cleared.

• Rescheduling. You may move a session once, free of charge, if you tell us at least 24 hours before the start time. Later changes are at our discretion.
• Cancellation by you. If you cancel at least 48 hours before a session, we will refund the fee or move it to another date, at your choice. Inside that window the session fee is forfeited.
• Late arrival and no-shows. If you arrive late, the session still ends at the scheduled time. If you do not attend and have not told us, the session counts as used.
• Cancellation by us. If we have to cancel or reschedule, we will offer you a new time or a full refund of the unused sessions.
• Three-month journey. The three coaching calls must be used within 16 weeks of your start date. Unused calls after that period lapse and are not refundable, unless the delay was caused by us.

Technology. For online sessions, if a session cannot go ahead because of an internet or platform failure on your side, we will make reasonable efforts to reschedule but may count the session as used if you do not reconnect within 15 minutes. For in-person sessions, if you arrive more than 15 minutes late, we may shorten the session or ask to reschedule it.

Products and digital downloads

Our shop sells and distributes:

• the e-book Finding Yourself in a World of Clutter;
• the Vision Tracker Notebook, a physical product; and
• free templates and tools, including the Credit Tracker, the OBV Net Worth Calculator and the Zero-Based Budget in spreadsheet and fillable PDF formats.

Personal licence. When you buy or download a digital product, we give you a personal, non-exclusive, non-transferable licence to use it for your own purposes. You may print a copy for your own use. You may not share, resell, republish, upload or distribute it, or remove our name or branding. Organisations that want to use materials with a group need our written permission.

Free templates. Free tools are offered as a convenience. They are not financial advice, and we do not guarantee that the formulas or results are free of errors or suit your needs. Please check your own figures. We may update, change or withdraw free content at any time.

Free access forms. Some free downloads ask for your name and email. We use these details as set out in section 11.

Your device. You are responsible for having software that can open the file, such as a PDF reader or spreadsheet application.

Orders, pricing and payment

Prices are shown in Namibian dollars (N$) and include VAT, where applicable. Prices can change at any time, but a change does not affect an order you have already paid for.

Placing an order. Adding an item to your cart is not an order. An order is accepted when we send you a confirmation. We may decline or cancel an order, for example if an item is unavailable, a price was shown in error, or we suspect fraud. If we cancel after you have paid, we will refund you in full.

Paying. Card payments are processed securely by the Adumo Online payment gateway. We accept Visa, Mastercard, American Express and Diners Club cards and EFT through SecureEFT. You confirm that you are allowed to use the card or account you pay with.

Your card details. We never see or store your full card details. They go directly to the payment gateway, which has its own security and privacy policies. You can read them at adumoonline.com.

Quotes. Group coaching and Money at Work workshops are priced by written quote. Showing a price of zero in the shop for these services does not mean they are free.

Delivery, refunds and returns

Digital products. Digital products are delivered by download link or email after payment. Because they can be copied once delivered, they are non-refundable once you have downloaded or opened them, unless the file is faulty or not what we described. If a file is faulty, contact us within 7 days and we will replace it or refund you.

Physical products. The Vision Tracker Notebook is delivered or made available for collection as shown at checkout delivery areas, costs and timeframes to be confirmed. Risk passes to you on delivery. Please check your order when it arrives and tell us within 7 days if it is damaged or incorrect. We will then replace it or refund you. Returned items must be unused and in their original condition, and you pay return costs unless the item was faulty or wrongly supplied.

Coaching and services. Unused, unscheduled sessions can be refunded within 14 days of purchase. Once a session has taken place, its fee is not refundable. For the three-month journey, a refund covers only the calls not yet delivered, and we may deduct the value of any calls already held.

Cancelled orders. If you cancel an order before we have delivered it or started the service, we may keep an administration charge of up to 10%.

How refunds are paid. We refund to the original payment method within 30 days of agreeing the refund.

Complaints. If something goes wrong, email info@ourbetterversion.com with your order details. We aim to reply within 3 working days.

Intellectual property

We own, or have permission to use, everything on the Website and in our products. That includes our name, logo, videos, articles, e-book, templates, workshop materials, graphics and the design of the Website.

These materials are protected by copyright and other intellectual property laws. Except for the personal licence in section 6, you may not copy, adapt, distribute, sell, publicly display or create derivative works from them without our written permission.

You may share links to our public content, such as our YouTube videos, and quote short extracts with credit to Our Better Version.

If you send us content, such as a testimonial, comment or message, you give us permission to use it to run and promote our business. We will not publish your name alongside a testimonial without your consent, and we will not publish anything you shared in confidence in coaching.

Acceptable use

Please use the Website fairly and lawfully. You agree not to:

• use it for any unlawful, fraudulent or misleading purpose;
• copy, scrape or harvest content or personal information from it by automated means;
• resell, share or redistribute paid content, or share your access with others;
• interfere with its security or operation, or try to gain unauthorised access;
• upload viruses or harmful code; or
• harass or abuse our team or other participants in coaching or workshops.

We may suspend or end your access, and cancel a booking without refund where you have seriously breached these Terms.

Privacy and personal information

We collect only what we need to run the Website and deliver our services, and we do not sell your personal information.

What we collect

• Details you give us: name, email, phone number, delivery details and anything you share when booking, ordering, contacting us or joining the newsletter.
• Coaching information you choose to share about your finances. We use it only to deliver your coaching.
• Technical information such as your IP address, browser, pages viewed and time spent, collected through cookies and similar tools to understand how the Website is used and to improve it.

How we use it

• To confirm and deliver your bookings and orders, and to keep in touch about them.
• To send you our newsletter and offers, if you subscribed. You can unsubscribe at any time using the link in any email.
• To improve the Website, keep it secure and meet legal obligations.

Who we share it with. We share information only with service providers who help us operate, such as the Adumo Online payment gateway, our newsletter platform, our booking calendar and our delivery partner. We give them only what they need and ask them to protect it. We may also disclose information where the law requires it.

Payment details. Card details are handled by the payment gateway and are not stored by us.

Keeping it safe. We use reasonable measures to protect your information, but no online system is completely secure.

Your choices. You can ask us to see, correct or delete the personal information we hold about you by emailing info@ourbetterversion.com. We keep information only as long as we need it for the purposes above or as the law requires.

Security of your own device. You are responsible for keeping your own device and passwords secure.

Third-party services and links

The Website links to and relies on services we do not control, including Adumo Online (payments), Substack (newsletter), YouTube, TikTok and Instagram (social channels) and our booking calendar.

Those services have their own terms and privacy policies, and we are not responsible for their content, availability or practices. Linking to them is not an endorsement. If you give them information, they handle it under their own policies.

Disclaimers, liability and indemnity

Website and content. The Website and its content are provided “as is”. We work to keep information accurate and up to date, but we do not promise that it is complete, error-free or always available. Content may contain mistakes or become outdated.

Limit of liability. To the extent the law allows, we are not liable for any indirect, special or consequential loss, or for loss of income, savings, profit or opportunity, arising from your use of the Website, our content, products or services, or from decisions you make based on them. Where the law makes us liable, our total liability for any claim is limited to the amount you paid us for the product or service the claim relates to.

What we do not exclude. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud or gross negligence, or any rights you have under applicable consumer-protection law.

Third parties. We are not responsible for losses caused by third parties, internet or power failures, or events beyond our reasonable control.

Indemnity. You agree to compensate us for loss we suffer because you broke these Terms, for example by misusing or sharing paid content, or by using the Website unlawfully.

Changes, governing law and contact

Changes to these Terms. We may update these Terms from time to time. The updated version takes effect when we post it on the Website, and the date at the top will change. Changes do not affect orders you have already paid for. If you keep using the Website after an update, you accept the new Terms.

Governing law. These Terms are governed by the laws of the Republic of Namibia. Subject to any mandatory consumer rights, the courts of Namibia have jurisdiction over any dispute.

Resolving disputes. If you have a concern, please contact us first so we can try to resolve it informally within 30 days. Either of us may then go to court.

General. If a part of these Terms is found unenforceable, the rest continues to apply. If we do not enforce a right straight away, we have not given it up. You may not transfer your rights under these Terms without our written consent. These Terms, together with any quote or service-specific terms, are the whole agreement between you and us about the Website and our services.

Electronic communication. You agree that we may contact you and give you notices by email or through the Website, and that these satisfy any requirement for communication in writing.

Contact us

Our Better Version

Email: info@ourbetterversion.com

Phone: +264 81 664 1415