Terms and Conditions

Last Updated: March 15, 2025

By purchasing or participating in our coaching services, 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 financial 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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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.

12. 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.

By purchasing or participating in our coaching services, 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.