We provide personal and professional development coaching, including 1-on-1 sessions, group coaching programs, and digital resources ("Services"). Our Services are designed to provide guidance and support; however, they are not a substitute for professional therapy, legal, medical, or financial advice.

As a user of our Services, you agree to:

• Provide accurate and complete information when booking or registering.

• Engage in all coaching sessions and communications in a respectful and professional manner.

• Acknowledge that your progress and results depend on your own commitment and effort. Coaching is a collaborative process, and success is not guaranteed.

All payments for Services are processed through secure third-party platforms. By purchasing a Service, you agree to the stated price and payment terms.

Our policies regarding refunds, rescheduling, and cancellations are detailed in our Refund Policy, which is incorporated by reference into these Terms. Please review it carefully.

All content on this Site, including but not limited to text, graphics, logos, branding, course materials, workbooks, videos, and templates, is the exclusive property of TraceyPennywell.com LLC and is protected by copyright and other intellectual property laws.

You are granted a limited, non-transferable license to use purchased materials for your personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

We are committed to maintaining the confidentiality of your personal information and coaching sessions. However, we cannot guarantee the security of communications over the internet. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your data.

• No Guarantees: TraceyPennywell.com does not guarantee any specific outcomes or results from our Services. Your success is dependent on various factors, including your personal commitment, actions, and circumstances beyond our control.

• For Informational Purposes Only: The content and guidance provided through our Services are for informational and educational purposes only. They do not constitute, and should not be relied upon as, professional medical, legal, financial, or psychological advice. Always seek the advice of a qualified professional for such concerns.

To the fullest extent permitted by law, TraceyPennywell.com LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, resulting from (a) your use of our Services; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; or (c) your participation in any coaching activity.

We reserve the right to terminate or suspend your access to our Services at our discretion, without notice, for any conduct that we believe violates these Terms or is harmful to other clients, us, or third parties. You may terminate your relationship with us at any time, subject to the terms outlined in our Refund Policy.

These Terms shall be governed and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Site and Services after any such changes constitutes your acceptance of the new Terms.