Expert and Creator Terms and Conditions
These Coach and Expert Terms (the "Expert Terms") govern every coach,
expert, creator, educator, mentor, consultant, speaker, host or other
independent professional (each an "Expert") who lists, markets, sells or
delivers an offering through Quoni. They explain the Expert's
responsibilities, how payouts are calculated, how taxes and refunds are
handled, and the rules protecting customer relationships and Quoni's
marketplace. By applying, accepting electronically or using an Expert
account, the Expert agrees to these Expert Terms and the incorporated
Quoni policies.
Effective date: 7 October 2026.
These Expert Terms are issued by Quoni FZ-LLC, a Free Zone Limited
Liability Company (FZ-LLC) incorporated in the Ras Al Khaimah Economic
Zone, United Arab Emirates, under Registration No. 0000004098197.
Quoni operates under its applicable RAKEZ licences, including its
e-commerce and media licences, for activities including a portal,
content portal and online booking platform.
1 Relationship to Other Quoni Terms
These Expert Terms supplement the Quoni Terms and Conditions, Privacy
Policy, Refund Policy and any offering-specific terms published or
accepted by the Expert. If these Expert Terms conflict with the general
Terms and Conditions on an Expert-specific matter, these Expert Terms
control. Mandatory law always prevails.
2 Definitions
"Customer" means a person or entity that discovers, books, purchases,
joins or communicates with an Expert through the Platform.
"Customer Payment" means the amount successfully collected for a
transaction, excluding any amount not received or later reversed.
"Offering" means a course, consultation, coaching or mentorship service,
community, membership, event, retreat, digital product or other product
or service approved for sale through Quoni.
"Payment Processing Fees" means fees charged to accept a Customer
Payment, including card, wallet, gateway, fraud-screening and
cross-border processing charges.
"Post-Processing Amount" means the Customer Payment remaining after
Payment Processing Fees are deducted.
"Quoni Platform Commission" means 11% of the Post-Processing Amount
unless Quoni clearly discloses another rate for the relevant Offering or
transaction.
"Payout Fees" means charges for transferring, settling or converting
funds, including fees charged by Payoneer, banks, intermediaries and
foreign-exchange providers.
"Adjustments" means refunds, cancellations, chargebacks, disputes,
reversals, fraud losses, legally required withholding, reserves and
other transaction-specific deductions permitted by these Expert Terms.
"Net Distributable Amount" means the Post-Processing Amount less the
Quoni Platform Commission, Payout Fees and Adjustments.
"Platform-Sourced Customer" means a Customer first introduced to the
Expert, or whose relationship with the Expert was materially
facilitated, through Quoni, its affiliates, referral system, events,
communications or data.
3 Eligibility and Onboarding
An Expert must be at least 18, legally capable of contracting,
authorised to operate their business and qualified to deliver each
Offering. Quoni may request identity, business, banking, tax, sanctions,
anti-money-laundering, qualification or background information. The
Expert must keep all information accurate and current.
Approval is discretionary and may be conditional. A verified badge or
approval reflects only the criteria stated by Quoni at the time and is
not a guarantee, professional accreditation or endorsement of outcomes.
4 Independent Contractor Status
The Expert operates as an independent business and is not an employee,
worker, agent, partner, franchisee or representative of Quoni. The
Expert controls how services are delivered, subject to agreed bookings,
these Expert Terms and Platform standards. The Expert has no authority
to bind Quoni, incur obligations for Quoni or make representations on
Quoni's behalf.
The Expert is responsible for business expenses, equipment, insurance,
permits, personnel and benefits. Nothing guarantees a minimum number of
Customers, sales, income or continued access to the Platform.
5 Offerings and Listings
The Expert must ensure every listing is complete, accurate and not
misleading. This includes title, description, outcomes, scope, format,
duration, availability, prerequisites, limitations, price, taxes, refund
or cancellation rules and any recurring payment terms. The Expert may
not use artificial scarcity, false testimonials, unverifiable
credentials or guaranteed-result claims.
Quoni may review, request changes to, refuse, pause or remove an
Offering to protect Customers, maintain quality, comply with law or
manage Platform risk. Quoni may categorise or rank listings and does not
guarantee placement or visibility.
6 Service Delivery and Customer Care
The Expert must deliver each Offering professionally, safely, lawfully
and substantially as described. The Expert must attend confirmed
sessions, provide promised materials, respond to Customers within a
reasonable time, maintain appropriate records and promptly disclose any
inability to perform.
Subcontracting or transferring performance requires Quoni's prior
written approval and, where relevant, Customer consent. The Expert
remains responsible for approved assistants and subcontractors.
7 Professional Standards and Regulated Activity
The Expert may provide only services they are competent and legally
permitted to provide. Where an Offering involves regulated advice or
activity, the Expert must hold and maintain all required licences,
approvals and insurance and clearly identify the relevant authorisation.
Unless lawfully authorised and expressly approved by Quoni, the Expert
must not present content as personalised legal, tax, medical,
psychological, investment or financial advice; manage Customer money;
promise investment returns; diagnose or treat medical conditions; or
make guaranteed earnings claims. Educational disclaimers do not excuse
unlawful regulated activity or misleading conduct.
8 Pricing and Changes
The Expert sets or accepts the displayed price for an Offering, subject
to Platform rules and any agreed campaign. Prices must include or
clearly identify applicable taxes where required. The Expert may change
future pricing but may not change the price or material scope of an
already accepted order without Customer consent and Quoni approval.
Discounts, bundles, affiliate campaigns or promotions require the terms
displayed or agreed through Quoni. The Expert must not advertise a
higher Platform price merely to shift Customers to off-platform payment.
9 Payment Collection and Transaction Waterfall
The Expert authorises Quoni and its payment partners to collect Customer
Payments, deduct applicable amounts, process adjustments and arrange
payouts. Unless a different structure is clearly disclosed for a
particular Offering, campaign or transaction, the following order
applies:
1 Customer Payment is collected - Customer Payment.
2 Payment Processing Fees are deducted - Post-Processing Amount.
3 Quoni retains 11% of the Post-Processing.
4 Payout Fees and Adjustments are deducted.
5 For a qualifying affiliate sale, the 80% Expert and 20% Affiliate
remainder is allocated.
The Expert's 80% share is calculated on the Net Distributable
Amount, not on the listed price, Customer Payment or Post-Processing
Amount. Quoni's 11% Platform Commission is calculated after Payment
Processing Fees have been deducted.
Illustration only. If a Customer pays USD 100 and Payment Processing
Fees are USD 3, the Post-Processing Amount is USD 97. Quoni retains USD
10.67, being 11% of USD 97. If Payout Fees are USD 2 and there are no
other Adjustments, the Net Distributable Amount is USD 84.33. For a
qualifying affiliate transaction, the Expert receives USD 67.46 and the
Affiliate receives USD 16.87, subject to currency rounding.
No-affiliate transactions. Where no Affiliate is attributed, the 20%
Affiliate allocation does not automatically become payable to the
Expert. The applicable no-affiliate payout structure will be the
structure displayed or communicated by Quoni for that Offering or
transaction.
10 Payouts and Reserves
Payout timing, thresholds, methods and supported currencies are shown on
the Platform or communicated by Quoni. Dashboard balances may be
estimates or pending until payment settlement, expiry of applicable
refund or dispute periods and reconciliation. Quoni's transaction
records control absent manifest error.
Quoni may delay a payout or maintain a reasonable reserve where needed
for expected refunds, chargebacks, disputes, fraud, sanctions screening,
tax withholding, verification, negative balances or legal requirements.
Currency conversion, intermediary and receiving-bank charges may reduce
the amount received. The Expert must maintain accurate payout details
and bears losses caused by inaccurate details or an unsupported
receiving account.
11 Taxes Invoicing and Records
The Expert is solely responsible for identifying, registering for,
calculating, invoicing, collecting where applicable, reporting and
paying all taxes, duties, levies and social contributions arising from
the Expert's business, Offerings and payouts, including VAT, GST, sales
tax, income tax and corporate tax. The Expert must determine whether the
Expert has a taxable presence or registration obligation in any
jurisdiction.
Where required, the Expert must issue legally compliant invoices or
authorise Quoni or a service provider to issue invoices on the Expert's
behalf under a separately disclosed self-billing or invoicing
arrangement. The Expert remains responsible for the accuracy of tax
status, registration numbers, tax rates and invoice information.
Quoni may collect, report or withhold taxes where legally required and
may request tax forms, residency certificates, taxpayer numbers or
supporting records. Quoni may withhold payouts until required
documentation is provided. Any withholding does not relieve the Expert
of the Expert's own obligations. Quoni does not provide tax advice.
The Expert must retain records required by law, including transaction,
invoice, expense and tax records, and provide reasonable documentation
where Quoni must verify compliance or respond to an authority.
12 Refunds Cancellations and No Shows
Refund and cancellation rights are governed by mandatory law, the Quoni
Refund Policy and the Offering-specific policy disclosed before
purchase. The Expert must honour those terms. Quoni may decide whether
to issue or facilitate a refund where reasonably necessary to apply
published policies, comply with law, resolve a Customer complaint,
protect the Platform or address non-delivery or misdescription.
The Expert must promptly tell Quoni about cancellations, rescheduling or
inability to deliver. Where the Expert cancels, fails to attend or
materially fails to deliver, Quoni may issue a full or partial refund
and recover associated processing, payout, dispute and customer-support
costs from the Expert.
13 Chargebacks Disputes and Negative Balances
If a transaction is refunded, cancelled, disputed, reversed, charged
back, fraudulent or otherwise adjusted, Quoni may cancel, withhold or
recover the related Expert amount and associated fees. Recovery may
occur from pending or future payouts, a reserve or a repayment request.
A negative balance may be carried forward.
The Expert must cooperate promptly with evidence requests, including
proof of delivery, attendance, communications, accepted terms and
materials supplied. Quoni may respond to a dispute directly through the
payment provider; doing so does not guarantee a successful outcome.
14 Non Circumvention and Platform Protection
The Expert must not use Quoni to identify, communicate with, solicit or
serve a Platform-Sourced Customer and then direct, encourage or accept
that Customer's substantially similar purchase outside Quoni in order to
avoid Quoni commissions, affiliate allocations, processing or other
applicable fees.
This restriction applies during the Expert's participation and for 12
months after the later of the Expert's last Platform transaction with,
or last Platform-facilitated introduction to, the relevant
Platform-Sourced Customer. It applies to payments accepted directly or
through another person, business, website, application, wallet, bank
account or payment processor.
This restriction does not apply to a demonstrably pre-existing customer
relationship that the Expert can document as active before the Customer
was introduced through Quoni, provided the Expert did not use Quoni data
or communications to move a Platform transaction off platform. It also
does not prevent general advertising that is not targeted at
Platform-Sourced Customers.
If the Expert breaches this section, Quoni may suspend or terminate the
account, withhold disputed payouts where legally permitted, recover the
Platform commissions, affiliate allocations and processing costs that
would have applied, and pursue reasonable investigation, enforcement and
legal costs to the extent permitted by law. Quoni may seek injunctive
relief where damages alone would not adequately protect the Platform.
This section is intended to protect Quoni's legitimate marketplace
relationships and will apply only to the maximum scope and duration
permitted by law.
15 Communications with Customers
The Expert must use Platform communication and booking tools where
required, keep communications professional and retain adequate records.
The Expert must not harass Customers, request unnecessary sensitive
information, make unauthorised marketing contact, or use contact details
obtained through Quoni for unrelated purposes.
16 Customer Data and Privacy
The Expert may access Customer personal data only to deliver the
relevant Offering, provide support and comply with law. The Expert must
follow applicable privacy and direct-marketing laws, implement
reasonable security, limit access, respect Customer rights and delete
data when no longer needed unless retention is legally required.
The Expert may not sell, enrich, scrape, export, repurpose or disclose
Platform or Customer data; build an independent marketing list from it
without valid consent; or upload it to an unauthorised tool. A suspected
data breach must be reported to Quoni without undue delay, together with
reasonable cooperation in investigation and notification.
17 Expert Content and Intellectual Property
The Expert retains ownership of original content and materials. The
Expert grants Quoni a worldwide, non-exclusive, royalty-free,
transferable and sublicensable licence to host, reproduce, technically
adapt, display, distribute, excerpt and market that content as
reasonably necessary to operate, improve and promote the Platform and
the Offering. The licence continues for existing purchases and archived
transaction records after termination to the extent necessary to serve
Customers and comply with law.
The Expert warrants that content, music, images, recordings,
testimonials, brands and materials are owned or properly licensed and do
not infringe privacy, publicity or intellectual-property rights. The
Expert must obtain all releases and permissions needed for people
appearing in content.
18 Recordings and Use of Name and Likeness
Where a session, event or contribution may be recorded, the applicable
listing or separate release must disclose how the recording will be
used. The Expert authorises Quoni to use the Expert's approved name,
biography, photograph, trademarks and promotional excerpts to identify
and market the Expert and Offering while listed. Material use outside
that purpose requires separate permission.
19 Community Conduct and Safeguarding
The Expert must treat Customers and other users respectfully and must
not engage in discrimination, threats, exploitation, sexual harassment,
hate speech, dangerous conduct or abuse. The Expert must follow
reasonable safeguarding rules for any Offering involving vulnerable
persons. Offerings directed to minors require Quoni's prior approval and
legally valid parental or guardian consent.
20 Reviews and Testimonials
The Expert must not fabricate, purchase, condition, suppress or
manipulate reviews. Incentivised testimonials must be lawful and clearly
disclosed. Quoni may remove reviews only under its moderation standards
and is not required to remove a genuine negative review merely because
the Expert disagrees with it.
21 Marketing Brand Use and Public Statements
The Expert may use approved Quoni brand materials only to promote
authorised Offerings and must follow brand guidance. The Expert may not
imply employment, partnership, investment endorsement, exclusivity or
authority to speak for Quoni. Public statements about earnings, results,
scarcity, qualifications, refunds and customer outcomes must be
truthful, supportable and compliant with advertising law.
22 Confidentiality
The Expert must protect non-public commercial, technical, financial,
security and user information received from Quoni and use it only to
perform under these Expert Terms. Confidentiality does not cover
information lawfully public, already known without restriction,
independently developed or lawfully received from another source.
Legally compelled disclosure is permitted after notice to Quoni where
lawful.
23 Security and Platform Integrity
The Expert must protect credentials and devices and must not scrape,
reverse engineer, interfere with, overload, probe or bypass Platform
security; upload malicious code; manipulate rankings or attribution;
exploit errors; or allow unauthorised account use. Suspected compromise
must be reported immediately.
24 Insurance and Compliance Evidence
The Expert must maintain insurance reasonably appropriate to the nature
and risk of the Offering where required by law or requested by Quoni,
including professional indemnity, public liability, event or cyber
insurance as applicable. On reasonable request, the Expert must provide
current evidence of licences, qualifications, insurance and compliance.
25 Complaints Investigations and Cooperation
The Expert must cooperate promptly and honestly with Customer
complaints, payment disputes, safety reports, regulatory requests and
Platform investigations. Quoni may temporarily pause listings, access or
payouts while investigating. Requests for information will be
proportionate to the issue and subject to applicable law.
26 Suspension and Termination
Either party may end the Expert's participation at any time, subject to
existing Customer commitments. Quoni may suspend or terminate
immediately where reasonably necessary for fraud, serious misconduct,
safety risk, unlawful activity, sanctions concerns, repeated complaints,
non-delivery, material breach or risk to Customers or the Platform. For
a remediable breach, Quoni may provide an opportunity to cure where
appropriate.
Following termination, the Expert must complete or responsibly
transition existing commitments as directed, cease using Quoni branding
and return or delete confidential and Customer data unless retention is
required. Valid accrued payouts remain subject to settlement, refunds,
disputes, reserves and Adjustments.
27 Changes to Commercial Terms
Quoni may change these Expert Terms, the Platform Commission, payout
structure, calculation method, eligible Offerings, payout schedule or
payment methods prospectively. Material changes will be communicated by
reasonable notice or publication and apply from the stated effective
date. Completed transactions will not be retroactively repriced except
to correct error, address fraud, process a refund or chargeback, or
comply with law.
28 Disclaimers and Limitation of Liability
The Platform is provided as is and as available to the maximum extent
permitted by law. Quoni does not guarantee uninterrupted access, listing
visibility, sales, Customer conduct, payment-provider availability or
any commercial result.
To the maximum extent permitted by law, Quoni is not liable for
indirect, incidental, special, consequential, exemplary or punitive
damages, or lost profit, revenue, opportunity, goodwill or data. Quoni's
aggregate liability arising from these Expert Terms will not exceed the
greater of the Platform Commission retained from the Expert's
transactions during the six months before the event giving rise to the
claim or USD 100. These exclusions do not apply to liability that cannot
lawfully be excluded or limited.
29 Indemnification
To the extent permitted by law, the Expert will indemnify and hold
harmless Quoni and its officers, employees and contractors from
third-party claims, losses, penalties and reasonable costs arising from
the Expert's Offering, content, delivery, negligence, misconduct,
regulated activity, tax obligations, infringement, privacy or
advertising violations, or breach of these Expert Terms. Quoni will give
reasonable notice and cooperation, and the Expert may not settle a claim
in a way that admits fault by or imposes obligations on Quoni without
written consent.
30 General Terms
The Expert may not assign these Expert Terms without Quoni's written
consent. Quoni may assign them in connection with a merger, financing,
reorganisation, sale of assets or transfer of the Platform. If a
provision is unenforceable, it will be modified only to the minimum
extent necessary and the remainder will continue. Failure to enforce is
not a waiver. Electronic acceptance and notices are valid to the extent
permitted by law.
Sections concerning payment adjustments, taxes, non-circumvention,
Customer data, intellectual property, confidentiality, liability,
indemnification, governing law and any provisions that by nature should
survive will continue after termination.
31 Operating Entity and Governing Law
The Platform is operated by Quoni FZ-LLC, a Free Zone Limited
Liability Company (FZ-LLC) incorporated in the Ras Al Khaimah Economic
Zone, United Arab Emirates, under Registration No. 0000004098197.
Quoni's registered/head office is at VUNE3020, Compass Building -- Al
Hulaila, Al Hulaila Industrial Zone-FZ, Ras Al Khaimah, United Arab
Emirates.
Quoni holds RAKEZ licences for its applicable activities, including
E-Commerce Licence No. 45039174 (Portal) and Media Licence
No. 17010517 (Content portal -- Online booking platform). Quoni may
obtain or maintain additional governmental approvals where required for
particular activities.
These Expert Terms, and any non-contractual obligations arising out of
or in connection with them, shall be governed by and construed in
accordance with the applicable laws, rules and regulations of the Ras
Al Khaimah Economic Zone Authority and the applicable laws of the
United Arab Emirates.
The parties shall first attempt in good faith to resolve any dispute
amicably. If no agreement is reached, the courts of Ras Al Khaimah,
United Arab Emirates, shall have jurisdiction, subject to any
mandatory law that requires otherwise.
32 Contact
Quoni FZ-LLC
Registration No.: 0000004098197
Address: VUNE3020, Compass Building - Al Hulaila, Al Hulaila Industrial
Zone-FZ, Ras Al Khaimah, United Arab Emirates
Email: hello@quoni.com
Website: www.quoni.com
33 Electronic Acceptance
By selecting the acceptance box, submitting an Expert application,
listing an Offering or continuing to use an Expert account after the
effective date, the Expert confirms that the Expert has read, understood
and agreed to these Expert Terms and is authorised to accept them
personally and, where applicable, for the Expert's business.