Log in




When we talk about ’us’, ’our’ or ’we’, it means https://www.iopersonaldevelopment.com. The words ’you’ or ’your’ means you, the visitor to our website.

By using our website (including if you book a call with us) you accept these terms of use. If you don’t agree, your remedy is to stop using our website and not book a call with us. We may update these terms of use from time to time, so you should revisit each time you use our website.


This website may contain links to other websites (“Linked Sites”). The Linked Sites are not under our control and we are not responsible for the contents of a Linked Site. We are not responsible for any form of transmission received from any Linked Site. Links are provided to you only as a convenience, and the inclusion of any link does not imply our endorsement of the website, or any association with its operators.


As a condition of your use of this website, you warrant that you will not use this website for any purpose that is unlawful or prohibited by these terms of use. You may not use this website in any manner which could damage, disable, overburden, or impair this website or interfere with any other party’s use and enjoyment of this website. You agree not to hack into areas of this website that are not intentionally made available by us.


We expect you to show common courtesy and respect when using our website. Don’t do anything that would upset your grandma. In case you do not know what that means, we’ll spell it out.

This website may use services that provide members of the public with the opportunity to publish comments or opinions. You agree to use the services on this website only to post, send and receive messages and material that are proper and related to the particular service we provide. By way of example, and not as a limitation, you agree that when using our website, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy) of others.

Post or distribute any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Upload any material protected by intellectual property laws unless you own or control those rights or have received all necessary consents.

Upload any material that has been altered to remove proper legal notices.

Download any material posted by another user that you know, suspect or reasonably should know, cannot be legally distributed in such manner.

Advertise or offer to sell or buy any goods or services for any business purpose, unless we provide a particular forum for those messages.

Conduct or forward spam, surveys, contests, pyramid schemes or chain letters.

Restrict or inhibit any other user from using and enjoying our website services.

Violate any code of conduct or other guidelines which we proscribe.

Violate any applicable laws or regulations.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.

Material uploaded to any part of our website may be subject to stated limitations on usage, reproduction and/or dissemination. You are responsible for complying with those limitations if you download the materials.


Always use caution when giving out any personally identifying information about yourself or your children anywhere on the internet. We do not control or endorse the content, messages or information found in any part of our website where users are able to contribute their own posts and material. We specifically disclaim any liability with regard to those parts of our website and any actions resulting from your participation in using those parts of our website. Managers and hosts of forums and blogs are not authorized spokespersons for https://www.iopersonaldevelopment.com, and their views do not necessarily reflect those of our business.


We are not obligated to monitor the posts and materials published by members of the public on our website. However, we reserve the right to review materials that are posted and to remove any materials at our sole discretion. We reserve the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at our sole discretion.


We do not claim ownership of the materials you (including feedback and suggestions) posted on any of part of our website. However, by posting any information or material you are granting https://www.iopersonaldevelopment.com, our affiliated companies and necessary sub-licensees permission to use your information or material in connection with the operation of our and their businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your information or material; and to publish your name in connection with your information or material. No compensation will be paid to you with respect to that use of your material or information.

We are under no obligation to post or use any material or information you may provide and may remove any of your material or information from our website at any time at our sole discretion. By posting your material or information you warrant and represent that you own or otherwise control all of the rights necessary for you to post that material or information.


We reserve the right, in our sole discretion, to terminate your access to this website and the related services or any portion of it at any time, without notice.


You specifically acknowledge and agree that your use of this website and services found on this website are at your own risk. Anything available via this website may include inaccuracies or typographical errors. Changes are periodically made to the information on and available via the website.

We make no representations about the suitability, reliability, availability, timeliness, and accuracy of anything contained on this website, for any purpose, to the maximum extent permitted by applicable law, anything contained on this website is provided “as is” without warranty or condition of any kind.

You acknowledge and agree that no information or advice provided by us constitutes medical, legal or financial advice or advice of any other regulated industry or creates a warranty of any kind with respect to this website and you acknowledge that you should consult an appropriate professional for specific advice tailored to your situation. The legal information on this website is for information only and does not replace the need for specific advice relevant to your particular circumstances.

This disclaimer applies to the fullest extent permitted by law, and shall survive any termination or expiration of this agreement or your use of this website or the services found on this website.


We will not be liable to you or any other person or entity for any damages whatsoever arising as a result of your use of this website in any way. In addition, where warranties are implied by law, you acknowledge and agree that the total aggregate liability to us is limited to the total amount paid by you for the particular services that are the subject of the cause of action, even if those services were provided to you without cost.

This limitation of liability applies to the fullest extent permitted by law, and shall survive any termination or expiration of this agreement or your use of this website or the services found on this website.


This agreement is governed by the laws of Perth Australia and you consent to the non-exclusive jurisdiction and venue of courts in Perth Australia in any and all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms of use, including without limitation this paragraph. If you are resident in a jurisdiction where the use of this website is unauthorized, it is your responsibility to cease using this website.


You agree that no joint venture, partnership, employment, or agency relationship exists between you and https://www.iopersonaldevelopment.com as a result of this agreement or use of this website.

Our performance of this agreement is subject to existing laws and legal process. Nothing contained in this agreement can be used to inhibit our right to comply with governmental, court and law enforcement requests or requirements relating to your use of this website, or with regard to the information provided to or gathered by us with respect to such use. 

Standard 12-week Program Terms and Conditions:

By using our website, you acknowledge that these terms become applicable in addition to the normal website terms if you decide to join one of our 12 week Programs after booking a call with us and make a payment either as a deposit as part of a payment plan, or pay in full. Specific payment terms will be discussed and agreed upon over the phone between you and us in a binding verbal contract before enrolment is accepted and payment is made.


Important: Read Carefully Before Accessing Or Using Institute of Personal Development’s Proprietary Materials Including Any Audio And/Or Visual Presentations, Members Area, And/Or Programs Associated With Kody Steddy, Fiona May, the Institute of Personal Development Or Women on Transition. By Paying For The Program In Full Or With A Deposit/Payment Plan Via Any Payment Method, Or Accessing Or Using The Program(S), You Acknowledge That A. YOU HAVE READ THIS AGREEMENT, B. YOU UNDERSTAND IT, AND C. THAT YOU ACCEPT AND AGREE TO BE BOUND BY ITS TERMS. 

If You Do Not Agree, Do Not Understand, Or Do Not Accept This Agreement, Please Do Not Make Any Payment To Us, Access Or Use Any Of Institute of Personal Development’s Proprietary Materials Including Any Audio And/Or Visual Presentations, Members Area, And/Or Programs Associated With Fiona May, Kody Steddy, Institute of Personal Development Ltd Or Women on Transition and contact us immediately at [email protected]


WHEREAS, Institute of Personal Development is engaged in the business of life and relationship coaching and client coaching services. YOU desire to engage Institute of Personal Development to provide life and relationship coaching and client coaching services to YOU in the online program.  The program may be delivered via Video Trainings, Webinars, Audio and/or Visual Presentations, Calls, group and personal coaching and evaluation; 

Description of Coaching: Coaching is a partnership (defined as an alliance, not a legal business partnership) between Institute of Personal Development and YOU in a thought-provoking and creative process that inspires YOU to maximize personal and professional potential. It is designed to facilitate the creation/development of personal, professional or relationship goals and to develop and carry out a strategy/plan for achieving those goals. 

SECTION 1: Membership and Program Fees

1.1. Programs: Under the terms of this Agreement, Institute of Personal Development agrees to provide relationship and transition coaching services to YOU in the form of a 12-week online Coaching Program. The program consists of entry into our Private FB Group, online Learning Modules, weekly group Q&A call for 12 weeks, access to our coaches via email support for the duration of the program and any other support as provided at our discretion. Program material may be delivered via Video Trainings, Webinars, Audio and/or Visual Presentations, with group and personal coaching. Your Coaches and/or Support Person will be available to YOU for support by email in between scheduled meetings (48 hr turnaround) throughout the Program in exchange for a Program Fee. Program Fees will be determined according to paragraph 1.2. below. Your access to such Programs is made conditional on payment of such Program Fee.

1.1.2. Term: The Term of this Agreement will commence upon your acceptance of this Agreement or payment of the applicable Program Fee. Payment of the Program Fee constitutes acceptance of this Agreement. YOU agree and understand that upon commencement of the Term of this Agreement, YOU will become enrolled in The Program by Institute of Personal Development.

1.1.3. Termination: Institute of Personal Development may terminate this Agreement at any time in its discretion upon notice to YOU. All obligations on your part including clause 3.1. below shall survive termination of this Agreement, binding YOU to pay in full and Confidentiality in perpetuity.

1.2. Program Fees: By accepting the terms of this Agreement, YOU agree and understand that YOU are committing to pay Institute of Personal Development $______________ for access to and use of the Institute of Personal Development Program.

1.3. Promotional Material: By accepting the terms of this Agreement and affirmatively seeking the benefits of membership in the Program offered by Institute of Personal Development, YOU affirmatively agree and acknowledge that Institute of Personal Development may at any time reproduce and/or disseminate any testimonial(s) describing or otherwise referencing, either directly or indirectly, your experience participating in such Program(s), including any specific results experienced by YOU over the course of such participation. YOU agree and acknowledge that this includes any written statements YOU may publish to social media accounts and online forums as well as any statements and/or images captured or otherwise recorded over the course of attendance at any event(s) related to or involved in any such Program(s). You further represent that any such statements or testimonials that YOU make shall be correct, accurate, and truthful.

1.4. No Refunds: Institute of Personal Development abides by a strict, no refund policy. By making a payment to us you accept the terms of this Agreement, YOU agree and understand that YOU are responsible to pay the Program Fee in full and forego the right to claim any refund of fees paid for access and use of the Program(s) offered by Institute of Personal Development. YOU further acknowledge that in accepting the terms of this Agreement and affirmatively seeking the benefits of and membership in such Program(s), YOU are taking full responsibility for your OWN success. Thus, YOU agree that YOU will not request a refund. 


2.1. Success not Guaranteed: By accepting the terms of this Agreement, YOU agree and understand that Institute of Personal Development provides Program(s) related to relationship, transition and life coaching only and guarantees no specific results. YOU take full responsibility for your own success. Further, YOU acknowledge that everyone's success is different and dependent on factors such as your own drive, dedication, and motivation. Any examples of outcomes or testimonials are not meant as a promise or guarantee of your own outcome or success. Please be aware that YOU may experience varying outcomes by using the Program and YOU are responsible to speak up, ask for help and there is an inherent risk as with any venture.

2.2. Limited Liability: In no event will Institute of Personal Development or anyone associated with the business be liable to YOU or any party related to YOU for any damages, including damages for loss of suffering, profits or other pecuniary loss, whether under a theory of contract, warranty, tort (including negligence) products liability or otherwise, even if Institute of Personal Development has been advised of the possibility of such damages. Limitations herein described shall be applied to the greatest extent enforceable under applicable law.

2.3. Commitment to the Program. By accepting the terms of this Agreement, YOU commit and agree to faithfully execute all of the lessons, homework, assignments, and course work in the Program(s) to a high standard and to the best of your ability. You further agree to attend all the scheduled Q&A and coaching sessions included as part of the Program. You also acknowledge that creating results requires tremendous effort and YOU are prepared and committed to faithfully make that effort. You are also solely responsible for creating and implementing your own physical, mental and emotional well-being, decisions, choices, actions and results arising out of or resulting from the coaching relationship and your coaching calls and interactions with the Program(s) and Institute of Personal Development. As such, YOU agree that the Coach is not and will not be liable or responsible for any actions or inaction, or for any direct or indirect result of any services provided by the Coach. You understand coaching is not therapy and does not substitute for therapy if needed, and does not prevent, cure, or treat any mental disorder or medical disease. C. You further acknowledge that YOU may terminate or discontinue the coaching relationship at any time, subject to the refund policy. D. You acknowledge that coaching is a comprehensive process that may involve different areas of your life, including work, finances, health, relationships, education and recreation. You agree that deciding how to handle these issues, incorporate coaching principles into those areas and implementing choices is exclusively your responsibility. E. You acknowledge that coaching does not involve the diagnosis or treatment of mental disorders as defined by any medical or psychiatric association and that coaching is not to be used as a substitute for counselling, psychotherapy, psychoanalysis, mental health care, substance abuse treatment, or other professional advice by legal, medical or other qualified professionals and that it is your exclusive responsibility to seek such independent professional guidance as needed. F. You understand that in order to enhance the coaching relationship, YOU agree to communicate honestly, be open to feedback, be accountable and responsible; and create the time and energy to participate fully in the program.

SECTION 3: Confidentiality

3.1. Confidentiality: Only authorized users, who have duly obtained access to any Programs offered by Institute of Personal Development by personally agreeing to the terms of this Agreement are permitted to use and participate with such Programs. Except as expressly authorized by this Agreement, YOU shall not provide or make available any Documentation, Video, Audio, or any login member credentials to any third party, or use the Documentation, Video, Audio, Workbooks, Downloadable Material etc. or any login member credentials to share or teach any third party, or otherwise disclose or discuss information revealed in any portion of the Program(s) for any purpose other than exercising rights expressly granted to YOU by this Agreement.

3.2 Intellectual Property: YOU acknowledge that any Videos, Audio and/or Visual Presentations, Documentation, Printed Material and other elements of the Coaching and System are the sole Intellectual Property of Fiona May Steddy and Institute of Personal Development under copyright, trademark and other intellectual property laws and international treaties. YOU further acknowledge and agree that, as between YOU and Institute of Personal Development, Institute of Personal Development and its third party licensors own and shall continue to own all right, title, and interest in and to the Audio and/ or Visual Presentations, Documentation, and other elements of the Coaching and System, including associated intellectual property rights under copyright, trade secret, patent, or trademark laws. Except for the limited, revocable license expressly granted to YOU herein, this Agreement does not grant YOU any ownership, reproduction rights, use outside the program or other right or interest in or to the Video, Audio and/or Visual Presentations, Documentation, and other elements of the Coaching and System, or any other intellectual property rights of Institute of Personal Development, whether by implication, estoppel, or otherwise. Any and all trademarks or service marks that Institute of Personal Development uses in connection with services rendered by Institute of Personal Development are marks owned by Institute of Personal Development. This Agreement does not grant YOU any right, license, or interest in such marks, and YOU shall not assert any right, license, or interest in such marks or any words or designs that are confusingly similar to such marks. 

SECTION 4: Miscellaneous

4.1. Non-transferability: The rights and obligations under this Agreement are personal to YOU. YOU may not assign or transfer any rights or obligations under this Agreement.

4.2. Indemnification: YOU will, at your own expense, defend, indemnify, and hold Institute of Personal Development, its agents, and employees harmless from any and all claims, actions, liabilities, injuries, damages, losses, grants, costs, and expenses, including attorney fees, arising out of or in connection with any use of the Program(s) of this Agreement.

4.3. Integration: This Agreement, along with any additional terms or policies incorporated herein by reference, represents the entire Agreement between YOU and Institute of Personal Development concerning the Program, and this Agreement supersedes and replaces any prior proposal, representation, or understanding YOU may have had with Institute of Personal Development relating to the Program, whether oral or written.

4.4. Amendment: Institute of Personal Development reserves the right, in its sole discretion, to amend Program content and this Agreement from time to time as it sees fit.

4.5. Governing law: This Agreement shall be governed by and interpreted in all respects in accordance with the laws of Western Australia. The venue for any dispute shall be in Perth, Western Australia.

4.6. Attorneys' Fees and Legal Expenses. If any proceeding or action shall be brought to recover any amount under this Agreement, or for or on account of any breach of, or to enforce or interpret any of the terms, covenants, or conditions of this Agreement, the prevailing party shall be entitled to recover from the other party, as part of the prevailing party's costs, reasonable attorneys' fees, the amount of which shall be fixed by the court, and shall be made a part of any award or judgment rendered.

By using our website, including if you book a call with us, you acknowledge that you understand and agree to all of the aforementioned terms, including those related to program fees, automatic billing, strict no refund policy, and confidentiality.

Any rights not expressly granted in these terms are reserved.


If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.


Unless otherwise specified in these terms of use, this agreement constitutes the entire agreement between you and https://www.iopersonaldevelopment.com  with respect to this website. If you sign another agreement with us relating to similar topics such as a modified Program Agreement, those terms will supersede these terms where applicable.


All contents of this website are copyright by https://www.iopersonaldevelopment.com. Please contact [email protected] should you require permission to reproduce any of the contents of this site. The names of actual companies and products mentioned on this website may be the trademarks of their respective owners. Any example companies, organizations, products, people and events depicted on this website are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.


Only your personal use of our copyright materials is permitted, which means that you may access, download, or print such materials as expressly provided to you to do such for your personal use only. Commercial use of any sort is expressly prohibited. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this site or any site accessible through this site. Any requests for our permission to publish, copy, reproduce, distribute, transfer, or otherwise use any materials contained in the website should be directed to [email protected] 

These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current Terms of Use to which you are bound.