Last updated: January 22, 2026

1. Introduction

Welcome to Mind Harbor Coaching (“we,” “us,” or “our”). These Terms & Conditions govern your use of our website, programs, courses, digital products, and services. By accessing or using our site, you agree to these Terms. If you do not agree, please do not use our website or services.

2. Use of Our Website and Services

You agree to use our website and services for lawful purposes only. You may not:

·       Interfere with the functioning of the website 

·       Attempt to gain unauthorized access to any part of the site 

·       Use our content for commercial purposes without permission 

·       Share login information for paid programs or courses 

We reserve the right to refuse service to anyone who violates these Terms.

3. Coaching Disclaimer

Mind Harbor Coaching provides educational content, tools, and coaching support. We do not provide:

·       Medical advice 

·       Mental health treatment 

·       Therapy or counseling 

·       Legal or financial advice 

Our programs are for personal development and informational purposes only. You are responsible for your own decisions, actions, and results.

If you are experiencing mental health concerns, please seek support from a licensed professional.

4. Purchases and Payments

When you purchase a product, course, or service:

·       You agree to provide accurate payment information 

·       All sales are final unless otherwise stated 

·       Payment processing is handled by third‑party providers (e.g., Stripe, PayPal) 

·       We do not store your payment details 

If a payment fails, we may suspend access until the issue is resolved.

5. Refund Policy

- Digital products (cards and ebooks) and course sales are final and non‑refundable 

- Coaching services may be refunded only if canceled 48 hours or more before the first session 

- Exceptions may be made at our discretion 

6. Intellectual Property

All content on this website and provided via this website including text, graphics, videos, email programs, workbooks, digital downloads (cards and ebooks), and course materials is owned by Mind Harbor Coaching and protected by copyright laws.

You may not:

·       Copy, share, or distribute our content 

·       Reproduce or modify materials 

·       Use our content for your own business, teaching or commercial purposes.

Materials provided as part of our product or service offerings are for your personal use only. Modifying, copying, or uploading the materials to any public or shared platform is not permitted. All rights are reserved.

7. Digital Product Delivery, Access, and Technical Requirements

Digital products from Mind Harbor Coaching are delivered electronically, either through an immediate download link or via email to the address provided at checkout. Please ensure your email address is entered accurately, as access cannot be guaranteed if incorrect information is supplied. If you do not receive your product within a reasonable timeframe, you are responsible for contacting support so delivery can be re‑issued.

Access to digital products may require specific software or applications (such as PDF readers or standard web browsers). You are responsible for ensuring that your device and software are compatible with the file formats provided. Mind Harbor Coaching is not liable for technical limitations on your device, loss of access due to changes in your technology, or issues arising from user error, internet connectivity, or outdated software.

8. User Accounts

If you create an account to access programs or courses:

·       You are responsible for maintaining the confidentiality of your login information 

·       You agree not to share your account with others 

·       We may suspend or terminate accounts that violate these Terms 

9. Third‑Party Services

We use trusted third‑party providers (such as Systeme.io) for hosting, email delivery, and course access. These providers may collect or process data as described in our Privacy Policy. We are not responsible for the actions or policies of third‑party services.

10. Limitation of Liability

To the fullest extent permitted by law, Mind Harbor Coaching is not liable for:

·       Any direct, indirect, incidental, or consequential damages 

·       Losses related to your use of our website or services 

·       Decisions you make based on our content or coaching 

Your use of our services is voluntary and at your own risk.

11. No Guarantees

We do not guarantee:

·       Specific outcomes 

·       Changes in thoughts, emotions, or behavior 

·       Business, financial, or personal results 

Your progress depends on your own effort, circumstances, and commitment.

12. Termination

We may suspend or terminate your access to our website or services at any time for violations of these Terms or for any reason we deem necessary.

13. Changes to These Terms

We may update these Terms & Conditions at any time. The “Last updated” date will reflect the most recent version. Continued use of the site means you accept any changes.

14. Contact Information

If you have questions about these Terms, contact us at:  support@mindharborcoaching.com