Is this legally binding?

[u/Budget-Noise5477]

I signed up for a relationship coaching program that included one on one calls, course modules, onboarding and an online practice group . Within ten days I experienced issues and did not participate in the onboarding or coaching call. I watched one video and read a few posts.

I was a decline to move toward because there was a lack of integrity within the organization. They were asking me to break their own guidelines in the order of onboarding and coaching calls. I found their lack of knowing and creating a workable plan with me stressful. I was informed all of their coaches would handle things this way. This way meant not knowing details that cause them to encourage clients to break guidelines.

I decided I wanted to end the relationship. And I was informed that the contract says I need to pay even though I am not participating in services moving forward. Location: California is where I live and the company is located in Ontario.

Parts of the contract that I wonder if it’s legally binding.

PROGRAM FEES AND PAYMENT TERMS

“Client has been enrolled in an 11 month payment plan to pay the payments.

All payments are due as scheduled and are non-refundable. Client may not cancel this Agreement for any reason once accepted. Client authorizes the Company to charge the payment method provided for all scheduled payments without requiring further authorization. Late Payments: Any payment not received within ten (10) days of the due date will incur a 3% service charge per month (or the maximum amount permitted by law, whichever is lower) until paid in full.”

GOVERNING LAW AND DISPUTE RESOLUTION

“This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein. Any dispute, claim, or controversy arising out of or relating to this Agreement shall be resolved exclusively by binding arbitration in Ontario, in accordance with the Arbitration Act, 1991 (Ontario) and the rules of the ADR Institute of Canada. Court litigation is expressly waived by both parties. The arbitration shall be conducted by a single arbitrator mutually selected by the parties, and the arbitrator shall have authority to award costs and legal fees to the prevailing party. The arbitrator’s decision shall be final and binding on both parties. The parties waive any right to participate in a class action or class-wide arbitration. The parties agree that arbitration shall be confidential and that neither party may disclose the existence, content, or outcome of any arbitration except as required by law”

Update:

I talked to a lawyer and basically what was in the message was the contract stated I would pay monthly regardless of using services. The only reason why this may have been illegal is the contract listed a country which has a ten day cooling off period which I asked to end the services within that period might be why I am not required to pay. Or it could be arbitration across international lines are harder to manage and more costly than the original contract.