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Terms & Conditions

Chats With Charlie
Effective Date: August 2025

These Terms and Conditions (“Terms”) govern your use of the Chats With Charlie website (“Site”), services, and coaching programs (“Services”). By accessing the Site or using our Services, you agree to be bound by these Terms.

1. Use of the Website

You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not:

  • Engage in any activity that disrupts or interferes with Site functionality

  • Attempt to access unauthorized areas or data

  • Use the Site to transmit harmful or malicious code

We reserve the right to restrict or terminate access to the Site for violations of these Terms.

2. No Professional Medical, Legal, or Financial Advice

Chats With Charlie provides life coaching services, which are supportive, motivational, and educational in nature. We do not provide:

  • Mental health counseling or therapy

  • Medical diagnosis or treatment

  • Legal services or advice

  • Financial or tax advice

Any decisions you make based on information provided through the Site or Services are your sole responsibility.

3. Payments & Billing

All fees for Services must be paid in full prior to the start of sessions unless otherwise agreed in writing.

  • Payments are non-refundable except as required by law.

  • Chargebacks or payment disputes filed without first contacting us may result in termination of Services.

4. Scheduling & Cancellations

You must provide at least 24 hours’ notice to cancel or reschedule a session.

  • Sessions canceled after the 24-hour window may be charged in full.

  • Missed sessions (“no-shows”) are non-refundable.

5. Intellectual Property

All content on the Site—including text, graphics, logos, designs, and materials—is the property of Chats With Charlie and protected by U.S. copyright law.

You may not reproduce, distribute, or use any content without prior written permission.

6. Third-Party Services

Our Site may link to third-party platforms (e.g., payment processors, scheduling tools). We are not responsible for the content, privacy practices, or reliability of these external services.

7. Limitation of Liability

To the fullest extent permitted by law, Chats With Charlie is not liable for:

  • Any indirect, incidental, or consequential damages

  • Losses arising from decisions made based on coaching or website content

  • Technical issues, interruptions, or data loss

Your sole remedy for dissatisfaction with the Site or Services is to discontinue use.

8. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

9. Amendments

We may update these Terms at any time. Changes will be posted with an updated Effective Date.

10. Contact

For questions regarding these Terms:
Email: [Insert Email]

 

2. Legal Disclaimer

Chats With Charlie – Life Coaching Services

The information provided by Chats With Charlie (“we,” “us,” “our”) through our Site and Services is intended for personal development purposes only.

1. Not Therapy or Healthcare

Chats With Charlie does not provide:

  • Psychotherapy or counseling

  • Diagnosis or treatment of mental health conditions

  • Crisis intervention

  • Medical or clinical services

If you require mental health or medical assistance, consult a licensed professional.

If you are in immediate danger, call 911 or a crisis hotline.

2. Not Legal, Financial, or Professional Advice

All content and discussions are informational and educational.

We do not provide:

  • Legal advice

  • Financial or tax guidance

  • Business guarantees

  • Professional consulting outside the scope of coaching

You accept full responsibility for any decisions you make.

3. No Guarantees of Results

Outcomes vary based on individual effort and circumstances.
We do not guarantee:

  • Specific results

  • Financial outcomes

  • Relationship or career changes

  • Emotional or behavioral shifts

You are responsible for implementing insights and taking action.

4. Personal Responsibility

By using our Services, you acknowledge:

  • You are capable of making your own decisions

  • You assume full responsibility for choices, actions, and outcomes

  • You will seek professional help when needed

5. Limitation of Liability

To the fullest extent allowed by law, Chats With Charlie is not liable for:

  • Any damages resulting from use of Services

  • Choices made based on coaching discussions

  • Losses, injuries, or decisions connected with coaching

6. Contact

For questions about this Disclaimer:
Email: [Insert Email]

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