Terms and Conditions of Sale

These Terms and Conditions ("Terms") apply to all coaching services (1:1 and group), online programmes, memberships, retreats and in-person events, digital courses, workshops, masterclasses and webinars (live or recorded), free trainings and downloadable resources, templates and educational materials, and any other services or products offered via www.lornamacphail.com ("Site").

By purchasing, accessing, enrolling in, downloading, or participating in any service or product ("Programme"), you agree to be legally bound by these Terms. These Terms apply in addition to our Website Terms of Use, our Privacy Policy and our Cookie Policy.

Lorna MacPhail. Sole Trader. Scotland, United Kingdom.

Email: info@lornamacphail.com

References to "we", "us", or "our" mean Lorna MacPhail.

All Programmes are educational, coaching, and wellbeing-based in nature. Nothing provided constitutes medical advice, psychological therapy, nutritional prescription, legal or financial advice, or diagnosis or treatment of medical conditions.

You are responsible for seeking appropriate medical or professional advice before making changes to your health, diet, movement practices, or lifestyle. Participation is voluntary and undertaken at your own discretion and risk.

By purchasing or participating, you confirm that you are at least 18 years old, you are legally capable of entering into binding contracts, and all information you provide is accurate and complete.

We reserve the right to modify Programme content, update materials, change delivery format (e.g. in-person to online), and substitute live sessions with recordings where necessary.

Access to digital materials is provided for the duration stated at purchase. "Lifetime access" means access for as long as the Programme remains available in its current format. We reserve the right to discontinue or update products without refund obligation.

Prices are as stated at checkout. Payment must be made in full or via an agreed payment plan before access is granted.

Where payment plans are offered, you remain legally responsible for completing all instalments. Failure to complete payments may result in removal from the Programme. Outstanding amounts remain payable even if you stop participating.

We reserve the right to charge interest on overdue sums at 4% above the Bank of England base rate, in accordance with applicable UK law.

Digital Content. Where immediate access to digital content is granted, by purchasing, you expressly consent to immediate delivery. You acknowledge that this waives your statutory 14-day cooling-off right under UK Consumer Contracts Regulations. Unless otherwise stated, digital products are non-refundable.

Coaching and Programmes. Due to the nature of coaching services, payments are non-refundable unless required under UK consumer law. If a specific refund guarantee is advertised, that guarantee will apply in accordance with the terms stated at purchase.

Retreats and In-Person Events. Separate cancellation terms may apply and will be clearly stated at booking.

These Terms apply equally to free services, including webinars, masterclasses, downloads, templates and free workshops (except for clauses relating to payment). We reserve the right to withdraw access at any time.

All materials are owned by Lorna MacPhail. You are granted a limited, non-transferable, non-commercial licence for personal use only.

You may not copy, reproduce, or distribute materials, share login details, record sessions, teach the material as your own, or use content to create competing services.

Programme methodologies, frameworks, processes, structures and teachings are proprietary and may not be replicated or commercialised. These provisions survive termination.

If participating in group environments, you agree to maintain confidentiality, communicate respectfully, not promote your services, and not solicit other participants. We reserve the right to remove participants for disruptive or harmful behaviour without refund.

You confirm that you are responsible for your own wellbeing, you will not exceed your physical limits, and you will seek medical guidance where appropriate. Nothing in these Terms excludes liability for death or personal injury caused by negligence.

To the fullest extent permitted by law, we are not liable for loss of income, business loss, indirect or consequential damages, emotional or personal outcomes, or decisions made following participation.

Our total liability shall not exceed the amount paid by you for the relevant Programme. We are not responsible for technology failures, platform outages, internet disruptions or third-party provider failures.

We are not liable for delays or failure to perform due to circumstances beyond our reasonable control, including illness, public health restrictions, natural events, or platform failures.

Your personal data will be processed in accordance with our Privacy Policy and UK GDPR.

We may terminate your access without refund if you breach these Terms, fail to complete payments, or engage in harmful conduct. Termination does not affect outstanding payment obligations.

These Terms constitute the entire agreement between us regarding your purchase and participation.

These Terms are governed by the laws of Scotland.