Here's how it works: 

• You buy a package of "Ruth credit" within the Black Friday sales window which serves as a gift voucher to yourself in my business - spend it when you like!
•  You can spend your credit on almost anything I offer* and/or anything new I offer in the next 12 months (including courses, group programmes, 1:1 coaching, days of Voxer etc. - see exclusions below) 
• You can use your credit all at once or split it into smaller amounts for lots of little things. It can be used as full or partial payment. 
• If I'm launching anything, your credit is directly equivalent to paying, so you'll benefit from any bonuses/ discounts etc. (You'll email me to ask to use it and I'll give you a gift code to use)
  

*Exclusions: existing payment plans, monthly memberships, credit sales, summit upgrade passes

Credit usage terms & info:

• Credit is valid for 12 months, until 30th November, 2024 & I'll remind you 2 months before it expires (though you can email me to ask how much you have left at any time)
• Credit you buy or earn as a bonus will be added to any existing credit you may have (as long as it hasn't expired)
• Credit is directly equivalent to paying in cash, which means you'll pay the price of the offer at the time you redeem your credit. You'll also benefit from any bonuses etc as if you were a fully paying customer.
• Credit is non-refundable, non-transferrable and cannot be applied retrospectively to existing payment plans, past payments, or continuation of packages at a discounted rate vs the current prices.