It is your money because their sales are being made from your intellectual property. 1. You will lose significant income if you don't protect your intellectual property through an IP attorney. Spend the money. Keep your program online only - no handouts or downloads. Require a log-in for each client. Create a business development (my specialty) program that enables other coaches to use your course work - but their clients must use your materials on-line only. If you need a hand at structuring the pitch to boost business development income, I can help with that.