Terms, Conditions, and Enrollment Agreement

This page contains two parts. The first, Website Terms of Use, applies to anyone browsing this website. The second, the Enrollment Agreement, is the binding agreement that governs your coaching or counseling services with Nadia Refai ('Company') once you enroll or purchase. If you are becoming a client, the Enrollment Agreement is the part that matters most — please read it carefully.

WEBSITE TERMS OF USE

By using this website, you agree to the following:

General information only. Content on this website — including blog posts, articles, and other materials — is provided for general informational and educational purposes only. It is not personalized advice and does not constitute counseling, coaching, therapy, or any other professional service.

No professional relationship. Reading or using content on this website does not create a coaching, counseling, or client relationship between you and Company. Such a relationship is only formed once you enroll in the Program under the Enrollment Agreement below.

Your responsibility. You are solely responsible for any decisions or actions you take based on content found on this website. Company is not liable for any outcome, harm, or loss arising from your use or interpretation of general website content.

Intellectual property. All content on this website is the property of Company and may not be reproduced, distributed, or used for commercial purposes without written permission.

No warranties. This website and its content are provided "as is," without warranties of any kind, express or implied.

Changes. Company may update these Terms of Use at any time without prior notice. Continued use of the website after changes constitutes acceptance of the updated terms.

These Website Terms of Use apply to general use of this website. If you purchase or enroll in coaching or counseling services, the separate Enrollment Agreement below governs that relationship and will prevail over these Website Terms of Use in the event of any conflict regarding the Program specifically.

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ENROLLMENT AGREEMENT

By clicking "I Agree," sending electronically your statement of agreement, providing or entering your credit card information, or by signing this agreement on this page, or otherwise enrolling, electronically, verbally, or otherwise, you ("Client") agree to be provided with services by Nadia Refai ("Company"), and you are entering into a legally binding agreement with the Company, subject to the following terms and conditions:

ELIGIBILITY

Client must be at least 18 years of age, or the age of legal majority in Client's jurisdiction, to enter into this Agreement. Company does not knowingly provide services to individuals under 18, without exception.

SERVICES

(A) Upon execution of this Agreement, electronically, verbally, or otherwise, the Company agrees to render services related to education by means of consulting, coaching, and/or counseling, through conference or meetings (the "Program").

(B) "Program" refers to any coaching, consulting, or counseling services provided by Company to Client, whether delivered individually in a 1:1 setting or as part of a group course, workshop, or similar offering.

(C) The terms of this Agreement are binding for any further services or goods supplied by Company to Client.

(D) Parties agree that the Program is the feature of coaching and education.

(E) The scope of the services rendered by Company according to this contract shall be solely limited to those contained in this contract and provided for on Company's website as part of the Program.

(F) Company reserves the right to substitute equal or comparable Program services when deemed necessary or are reasonably required due to dominating circumstances.

FEES

(A) Client agrees to pay fees to the Company according to the payment schedule set forth on Company's website, or otherwise agreed upon between Company and Client, and agreed upon payment plan.

(B) Payments are due at the time of services rendered, with the exception of payment plans agreed upon between Company and Client.

(C) Company reserves the right to withhold sessions until agreed upon payment has been rendered.

(D) Failure to pay agreed fees may result in the withholding of sessions and/or the termination of the Client-Coach relationship.

CANCELLATION POLICY

Sessions cancelled or rescheduled with less than 24 hours' notice may result in forfeiture of the session fee, at Company's discretion.

REFUNDS

(A) Upon acceptance and execution of this Agreement, Client agrees to pay to Company the full amount of the Fee.

(B) Client will not be entitled to a refund if Client cancels attendance at or participation in the Program for any reason whatsoever.

(C) If Company is unable to render services or a portion of the Program as agreed upon and suitable rescheduling is not available, a refund of the non-rendered portion only of the Program will be made to Client.

(D) FOR RESIDENTS OF THE EUROPEAN UNION

Consumers residing in the European Union have a statutory right to cancel their purchase within 14 calendar days from the conclusion of the contract (cooling-off period). However, if the consumer explicitly agrees to the service beginning within this period, acknowledging that they lose their right of cancellation once the service has started, the right to withdraw is limited to the portion of services not yet performed. If Client purchases a package of sessions and cancels within the 14-day cooling-off period, Company will refund the portion of the package not yet used, calculated at Company's standard individual session rate — not the discounted package rate. No refunds will be given for sessions already delivered.

(E) If Client files a chargeback and the dispute is resolved in Company's favor, Client is not entitled to a refund for any unused or remaining sessions. Company's standard refund terms above continue to apply.

CHARGEBACKS AND PAYMENT SECURITY

To the extent that Company is provided with credit card(s) information by the Client for payment on Client's account, the Company will be authorized to charge any unpaid charges on the dates agreed upon to Client's credit card(s).

If Client uses a multiple-payment plan to make payments to Company, no prior authorization shall be required to make all charges at the time they are due.

If you have a billing concern, please contact us at Nadia@NadiaRefai.com so we can resolve it directly. Company reserves the right to deny future services to any Client who files a chargeback, regardless of the outcome of that dispute. Should any chargebacks be incurred, the Client is solely responsible for any fees associated with recouping payments on chargebacks as well as any associated collection fees.

NO RESALE OF SERVICES PERMITTED

(A) Client agrees not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Program (including course materials), use of the Program, or access to the Program.

(B) This agreement is not transferrable or assignable without the Company's prior written consent, where such consent may be withheld at the Company's absolute discretion.

NO TRANSFER OF INTELLECTUAL PROPERTY

(A) Program materials, as well as other copyrighted, original materials, are property of the Company and will be provided to the Client with a single-user, non-transferable, revocable license, for Client's individual use only.

(B) Client agrees that he/she will not use or reproduce any of the Company's intellectual property for Client's business or personal purposes. This includes reproduction of Company's copyrighted and original materials.

(C) Client is not authorized to distribute, copy, share, or otherwise circulate or publish any materials received electronically or otherwise from Company without prior written consent by the Company.

(D) Company's copyrighted course materials and all intellectual property are and shall remain the sole property of the Company.

(E) Enrollment or payment of fees does not imply or grant license to the Client to sell, distribute, or circulate in any form the Company's materials.

LIMITATION OF LIABILITY

(A) The Client agrees that the Company, its owners, employees, contractors, affiliates, and agents shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to Client's use of the Program or services, including but not limited to emotional distress, loss of profits, or business interruption. Nothing in this Agreement excludes or limits liability for gross negligence, willful misconduct, or death or personal injury caused by Company, to the extent such limitation is not permitted by applicable law.

(B) The Client recognizes that the Program is not a substitute for professional medical, mental health, legal, or financial advice. The Company makes no guarantees regarding results or outcomes from the services.

(C) Client acknowledges that outcomes of applying coaching or counseling guidance to their personal relationships or decisions are outside Company's control. Company is not responsible for the results of decisions Client makes — including relationship, career, or personal decisions — based on coaching or counseling discussions. Client agrees that dissatisfaction with a personal outcome, without a breach of this Agreement or professional misconduct by Company, does not constitute grounds for a claim against Company.

(D) Client agrees that he/she accepts any and all risks, foreseeable or nonforeseeable, arising from such services.

(E) In any event, if Company is found to be liable, Company's liability to Client or to any third party is limited to the lesser of:

(I) The total fees Client paid to Company in the one month prior to the action giving rise to the liability; and

(II) $1,000 USD.

All claims against Company must be lodged within 30 days of the date of the cause of action arising or otherwise the right of action is forfeited.

(F) Client agrees that he/she uses Company's services at Client's own risk.

DISCLAIMER OF GUARANTEE

(A) Client accepts and agrees that she/he is solely and entirely responsible for her/his progress and results from the Program.

(B) Client accepts and agrees that Company cannot control the Client's responses to the provision of the services under this Agreement.

(C) Company makes no representations or guarantees whatsoever regarding performance of this Agreement other than those specifically stated herein.

(D) Company and its affiliates disclaim the implied warranties of titles, merchantability, and fitness for a particular purpose.

(E) Company makes no guarantee or warranty that the Program will meet Client's requirements or that all clients will achieve the same or similar results.

COURSE RULES

To the extent Client participates in a group Program:

(A) Client agrees to behave, at all times, courteously and respectfully toward Company staff and other clients.

(B) Client agrees to abide by any Course rules and/or regulations presented by Company.

(C) The failure to abide by Course rules and regulations shall be considered a material breach of this Agreement and therefore sufficient cause for immediate termination of this Agreement by Company.

(D) In the event of such termination, Client shall not be entitled to a refund of any amounts paid and shall remain responsible for all outstanding amounts of the Fee.

USE OF COURSE MATERIALS

(A) Company does not record 1:1 coaching or counseling sessions with Client.

(B) To the extent Client participates in a group course or Program, Client consents to recordings being made of that course.

(C) Company may, at its discretion, share recordings of its own original content (e.g., teaching materials, marketing videos) that do not identify Client or reveal Client's participation in the Program.

(D) Company may reference anonymized, non-identifiable patterns or examples drawn from its general coaching or counseling practice for educational or marketing purposes. Company will not disclose any information that could reasonably identify Client.

(E) Client is not required to consent to the use of their name, voice, or likeness, and no such use will occur without Client's separate, written consent.

NO SUBSTITUTE OF MEDICAL TREATMENT

(A) Client agrees to be mindful of his/her own health, mental health, and well-being during the provision of any services and to seek appropriate medical treatment (including, but not limited to, psychotherapy) if needed.

(B) Client understands and acknowledges that Client must be of sound mind prior to beginning the Program or the provision of services.

(C) Company does not provide, and does not hold itself out as providing, medical, therapy, or psychotherapy services. Services are not mental health services, and if such intervention is required, Client agrees to seek appropriate treatment.

(D) Company may not be held responsible for any decisions made by Client as a result of the coaching, counseling, Program, or any consequences thereof.

TERMINATION

(A) All payments due hereunder shall be immediately due and payable in the event that Client is in arrears of payment or otherwise in default of this Agreement.

(B) Company shall be allowed to terminate this Agreement without providing further services to Client and to immediately collect all sums due from Client.

(C) Client shall not be permitted to use or receive any of Company's services or to participate in any Program in the event that Client is in arrears of payments to Company.

(D) If Company is unable to provide a scheduled session due to illness, emergency, or circumstances beyond its reasonable control, Company will offer to reschedule the session at no additional cost to Client.

MODIFICATIONS AND INTERRUPTIONS

Company reserves the right to change, modify, or remove the content or services from time to time to comply with new laws or regulations or to update our offerings. We also reserve the right to modify or discontinue all or part of the services if Company were to close down or if we decide to change our offerings. Company is not liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

Company cannot guarantee that services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the services, resulting in interruptions, delays, or errors. Company reserves the right to change, revise, update, suspend, discontinue, or otherwise modify the services from time to time and will endeavor to give you notice of such changes. You agree that Company has no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the services. Nothing in these Terms will be construed to obligate Company to maintain and support the services or to supply any corrections, updates, or releases in connection therewith.

If Company updates these Terms, current Clients will be notified by email, and changes will take effect for the Client's next service term. Changes will not apply retroactively to a Client's current term.

CONFIDENTIALITY

(A) The term "Confidential Information" shall mean information which is not generally known to the public relating to the Client's business or personal affairs.

(B) Company agrees not to disclose, reveal, or make use of any Confidential Information of Client without the written consent of Client, except where disclosure is necessary to prevent harm to Client or another person, where required by law, or as otherwise described in Company's Privacy Notice.

(C) Company shall keep the Confidential Information of the Client in strictest confidence and shall use its best efforts to safeguard the Client's Confidential Information and to protect it against disclosure, misuse, espionage, loss, and theft.

(D) Boundaries of confidentiality do not extend to situations where the Client is violating the law, plans to, or has caused harm to another individual, or situations whereby retention of this knowledge would cause harm to the Company, Coach, or another person. Company may break confidentiality in the event that Company is subpoenaed, or whereby it is necessary to defend itself, its affiliates, employees, or related entities from unjustified and/or defamatory accusations or expressed opinions.

(E) Client's personal data is processed in accordance with Company's Privacy Notice, available at [insert link to privacy policy].

DISPUTES

(A) The Company and Client agree and accept that they will negotiate in good faith to settle disputes in the event that a dispute arises between the Parties. If, after a reasonable period of negotiation, the dispute is not settled, then either party may commence further action in the venue stated below.

(B) The parties agree that they will not engage in any conduct or communications, public or private, designed to disparage the other in the event of a dispute between parties.

INDEMNIFICATION

(A) Client shall indemnify and hold Company, Company's shareholders, trustees, affiliates, employees, subcontractors, and successors harmless from and against any and all liabilities and expenses whatsoever — including without limitation, claims, damages, judgments, awards, settlements, investigations, costs, attorney's fees, and disbursements — arising from: (i) Client's breach of this Agreement, (ii) Client's violation of the no-resale or intellectual property provisions of this Agreement, or (iii) Client's misuse of the Program or materials.

(B) This indemnification does not apply to claims, damages, or expenses arising from Company's own negligence, willful misconduct, or breach of this Agreement.

(C) Client recognizes and agrees that Company's shareholders, trustees, affiliates, employees, subcontractors, and successors shall not be held personally, individually, or collectively responsible or liable for any actions or representations of the Company.

LINKS

We may provide links to other websites or internet resources for your convenience only, and such links do not signify or imply our endorsement of such other website or resource or its content, over which we have no control and do not monitor. You use those links at your own risk and should apply a reasonable level of caution and discretion in doing so. You agree that we shall have no responsibility or liability for any information, software, or materials found at any other website or internet resource.

We may also integrate with third parties who will interact with you based on their own terms of service. An example of this is scheduling tools; by using their tools, you agree to be bound by their terms of service.

CONTROLLING AGREEMENT

In the event of any conflict between the provisions contained in this Agreement and any materials used by Company, Company's representatives, or employees, the provisions of this Agreement shall prevail.

CHOICE OF LAW

(A) This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law.

(B) The parties agree to submit any dispute or controversy arising out of or relating to this Agreement to arbitration in the State of New York, Albany County, pursuant to the rules of the American Arbitration Association, which arbitration shall be binding upon the parties and their successors in interest.

(C) The prevailing party is entitled to be reimbursed for all reasonable legal fees from the non-prevailing party.

(D) For Clients residing in the European Union: nothing in this Agreement limits your right to bring a claim before the courts of your country of residence, or affects any consumer protections that cannot be waived under EU law.

ENTIRE AGREEMENT

(A) This Agreement constitutes the entire agreement between the parties pertaining to the subject matter hereof and supersedes all prior and contemporaneous agreements, negotiations, and understandings, oral or written.

(B) This Agreement may be modified only by an instrument in writing duly executed by both parties.

SURVIVAL

The Confidentiality, Intellectual Property, and payment obligations set forth in this Agreement shall survive termination of this Agreement, for any reason.

SEVERABILITY

If any of the provisions contained in this Agreement, or any part of them, is hereafter construed to be invalid or unenforceable, the same shall not affect the remainder of such provision or any other provision contained herein, which shall be given full effect regardless of the invalid provision or part thereof.

CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. Company reserves the right to correct any errors, inaccuracies, or omissions and to change or update the information on the services at any time, without prior notice.

OTHER TERMS

(A) Upon execution by purchasing, clicking "I agree," filing an electronic signature, emailing a statement of agreement, or signing below (or on the reverse of this document), the Parties agree that any individual, associate, and/or assign shall be bound by the terms of THIS AGREEMENT.

(B) A facsimile, electronic, or emailed executed copy or acceptance of this Agreement upon purchasing, with a written or electronic signature or statement, shall constitute a legal and binding instrument with the same effect as an originally signed copy.