🔥 Terms and Conditions

1. Introduction

Welcome to Igniteafter40. By accessing our services, including our coaching programs, group sessions, and membership content at https://igniteafter40.com, you agree to these Terms and Conditions.

2. Services Description

We provide the following services:

➡️ One-on-one health coaching sessions

➡️ Group coaching programs

➡️Monthly membership content and support

➡️Digital wellness resources and materials

3. Program Terms

3.1 One-on-One Coaching

➡️ Sessions must be used within [X MONTHS] of purchase

➡️ [X HOURS] notice required for cancellation

➡️ Missed sessions without notice will be forfeited

➡️ No refunds on unused sessions

3.2 Group Programs

➡️ Access granted for duration of program plus [X DAYS]

➡️ Live sessions cannot be made up if missed

➡️Recordings available for [X DAYS] after live session

➡️No program sharing or redistribution permitted

3.3 Monthly Membership

➡️ Billed on a recurring monthly basis

➡️ [X DAYS] notice required for cancellation

➡️ Access terminated at end of paid period

➡️ No partial refunds for unused time

4. Payment Terms

➡️ All prices are in [CURRENCY]

➡️ Payment is due in full before services begin

➡️ We accept [LIST PAYMENT METHODS]

➡️ Late payments may result in service suspension

5. Refund Policy

➡️ 1:1 Coaching: [INSERT REFUND TERMS]

➡️ Group Programs: [INSERT REFUND TERMS]

➡️Membership: [INSERT REFUND TERMS]

6. Client Responsibilities

You agree to:

➡️ Provide accurate health information

➡️ Participate actively in programs

➡️ Maintain professional boundaries

➡️ Keep login credentials confidential

➡️ Not share or redistribute materials

7. Medical Disclaimer

Igniteafter40 provides coaching and educational services only. We do not:

➡️ Diagnose medical conditions

➡️ Prescribe treatments

➡️ Replace medical care

➡️ Guarantee specific results

8. Intellectual Property

All materials, including but not limited to:

➡️ Workbooks

➡️ Videos

➡️ Worksheets

➡️ Meal plans

➡️ Exercise programs

are protected by copyright and may not be reproduced without permission.

9. Privacy & Confidentiality

We protect your privacy according to our Privacy Policy. Client information is kept confidential except when:

➡️ Required by law

➡️ Authorized by client

➡️ Necessary for payment processing

10. Limitation of Liability

Our liability is limited to the amount paid for services. We are not liable for:

➡️ Indirect damages

➡️ Lost profits

➡️ Personal injury

➡️ Third-party claims

11. Termination

We reserve the right to terminate services if you:

➡️ Violate these terms

➡️ Engage in harmful behavior

➡️ Share confidential materials

➡️ Default on payments

12. Changes to Terms

We may modify these terms with:

➡️ [X DAYS] notice for material changes

➡️ Notice posted on website

➡️ Email notification to active clients

13. Contact Information

For questions about these terms: [INSERT CONTACT DETAILS] Email: Phone: Address:

14. Governing Law

These terms are governed by the laws of [STATE/COUNTRY].

By using our services, you acknowledge that you have read, understood, and agree to these terms.