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Terms and Conditions

Last Updated: September 18th, 2025


By purchasing or participating in MDC Life and Health LLC ("we", "us", or "our") coaching services, or using mdclifeandhealth.com (the "Site) and/or app, you ("Client" or "you") agree to the following Terms and Conditions. Please read them carefully before proceeding.


  1. Services Provided

    Our coaching services include, but are not limited to, mindset coaching, health coaching, and coping strategies. These services are designed to provide guidance, education, and support. However, we do not guarantee specific results, as outcomes vary based on individual effort and other factors beyond our control.


  2. No Guarantees or Warranties

    We do not offer any guarantees or warranties regarding the success or outcomes of participating in our coaching programs. Results vary from client to client and depend on numerous factors, including but not limited to personal effort and external variables.


  3. Client Responsibilities

    By engaging in our coaching services, you acknowledge and agree that:

    You are fully responsible for your own progress, actions, and results. You agree to communicate openly and honestly during coaching sessions. You will complete any assigned tasks or action items promptly and to the best of your ability. You agree that this is not a substitute for therapy, medical advice, or medical care.


  4. Payment & Refund Policy

    All coaching fees must be paid in full before services begin unless otherwise agreed upon in writing. Payments are non-refundable. However, if you are unsatisfied with the services, we encourage you to communicate your concerns so that we may work together to find a resolution. If you choose a payment plan, you remain responsible for completing all payments, regardless of whether you continue participation in the program.

  1. Rescheduling & Cancellations

    To reschedule a session, a minimum of 24 hours notice is required. Missed sessions without prior notice will not be refunded or rescheduled. In the event that we need to reschedule a session, we will notify you as soon as possible and offer an alternative date and time.


  2. Confidentiality

    All information shared during coaching sessions will be kept confidential unless disclosure is required by law. We may share general success stories for marketing purposes, but will not disclose personally identifiable information without your consent.


  3. Intellectual Property

    Any materials, resources, or frameworks provided during coaching sessions are considered our intellectual property. These materials may not be copied, distributed, or used for commercial purposes without explicit written permission.


  4. Termination

    We reserve the right to terminate coaching services if:

    The client is found to be disruptive, uncooperative, or in breach of these terms. If non-payment occurs.

***If services are terminated due to a breach of these terms, no refunds will be issued.

  1. Limitation of Liability

    Under no circumstances shall we be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the coaching services provided.


  1. Force Majeure

    We shall not be held liable for any delay or failure to perform our obligations under these Terms and Conditions if such delay or failure is due to unforeseen circumstances beyond our control, including but not limited to natural disasters, pandemics, government restrictions, family emergencies or any other events that are not reasonably foreseeable or controllable.


  2. Indemnification

    By participating in our coaching services, you agree to indemnify, defend, and hold harmless MDC Life & Health LLC their affiliates, and their employees from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising from your participation in the coaching services or your breach of these Terms and Conditions.


  3. Governing Law

    These Terms and Conditions shall be governed by and interpreted in accordance with the laws of Anoka County, Minnesota, USA. Any disputes arising under or in connection with these Terms and Conditions shall be resolved through arbitration in Anoka County, Minnesota, USA, and you agree to submit to the jurisdiction of the courts located in Anoka County, Minnesota, USA.


  1. WEBSITE DISCLAIMER

    The information provided by MDC Life and Health LLC on mdclifeandhealth.com and our mobile application is for general informational purposes only. All information on the site and our mobile application is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site or our mobile application. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE OR OUR MOBILE APPLICATION OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE AND OUR MOBILE APPLICATION. YOUR USE OF THE SITE AND OUR MOBILE APPLICATION AND YOUR RELIANCE ON ANY INFORMATION ON THE SITE AND OUR MOBILE APPLICATION IS SOLELY AT YOUR OWN RISK.


  2. EXTERNAL LINKS DISCLAIMER

    The Site and our mobile application may contain (or you may be sent through the Site or our mobile application) links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OFFERED BY THIRD-PARTY WEBISTES LINKED THROUGH THE SITE OR ANY WEBSITE OR FEATURE LINKED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

  1. PROFESSIONAL DISCLAIMER

    The Site cannot and does not contain medical/health advice. The medical/health information provided is for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of medical/health advice. THE USE OR RELIANCE OF ANY INFORMATION CONTAINED ON THE SITE OR OUR MOBILE APPLICATION IS SOLELY AT YOUR OWN RISK.


  2. TESTIMONIALS DISCLAIMER

    The Site may contain testimonials by users of our products and/or services. These testimonials reflect the real-life experiences and opinions of such users. However, the experiences are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. We do not claim, and you should not assume, that all users will have the same experiences. YOUR INDIVIDUAL RESULTS MAY VARY.

    The testimonials on the Site are submitted in various forms such as text, audio and/or video, and are reviewed by us before being posted. They appear on the Site verbatim as given by the users, except for the correction of grammar or typing errors. Some testimonials may have been shortened for the sake of brevity where the full testimonial contained extraneous information not relevant to the general public.

    The views and opinions contained in the testimonials belong solely to the individual user and do not reflect our views and opinions. We are not affiliated with users who provide testimonials, and users are not paid or otherwise compensated for the testimonials.

    The testimonials on the Site are not intended, nor should they be construed, as claims that our products and/or services can be used to diagnose, treat, mitigate, cure, prevent, or otherwise be used for any disease or medical condition. No testimonials have been clinically proven or evaluated.


By purchasing or participating in our coaching services, or using our website and/or mobile app, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.


For any questions or concerns, please contact us at info@mdclifeandhealth.com.

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