Legal Information
Welcome! Legal pages may not be the most exciting part of a website (unless you’re a lawyer… in which case, welcome — you may actually enjoy this stuff!). But they are important. This page explains how this website works, how your privacy is respected, and the terms that apply when you visit this site, purchase products or services, download resources, or work with me.
This Legal Information page includes:
Your Consent
By using this website, you consent to the policies, practices, and terms described on this page.
Updates and Changes
From time to time, I may update these Terms & Conditions, Privacy Policy, or Disclaimer to reflect changes to my business, services, technology, or applicable laws.
Any updates become effective once they are posted on this website. By continuing to use this site after changes have been posted, you agree to the updated terms.
I encourage you to review this page occasionally so you stay informed of any changes.
Limitation of Liability
Your use of this website, its content, products, services, and resources is entirely at your own discretion and risk.
To the fullest extent permitted by applicable law, Tova Payne and her business, affiliates, contractors, partners, and representatives are not responsible for any direct, indirect, incidental, consequential, or other damages arising from your use of this website, its content, products, services, or information provided.
While I make every reasonable effort to provide accurate information and reliable resources, I cannot guarantee that this website, emails, downloads, programs, or other materials will always be error-free, uninterrupted, or available.
Any decisions you make based on information provided through this website, my programs, services, or resources are your own responsibility.
Thank you for taking the time to review this information.
1. Terms & Conditions
Coaching Session Guidelines
I am committed to helping you get the most value from our time together. These simple guidelines are here to help create a focused, respectful, and productive coaching experience.
To make the most of your sessions, I encourage you to:
Confidentiality
Your privacy is important to me. Coaching and consulting sessions are treated as confidential.
There are limited exceptions where information may need to be disclosed, including situations where disclosure is required by law or where there is a serious risk of harm to yourself or another person.
Scope of Coaching
Emotions are a natural and welcome part of the coaching process. They often provide important information, awareness, and insight.
However, coaching is not a substitute for professional mental health care, medical treatment, or therapy.
If I believe your needs extend beyond the scope of coaching or consulting, I will let you know and may recommend that you seek support from an appropriately qualified professional.
Please note that I am not a licensed therapist, psychologist, psychiatrist, physician, or addiction specialist. I do not provide psychotherapy, medical treatment, or substance abuse counselling.
Coaching Session Policies
By booking or participating in a coaching session, you agree to the following:
Attendance
Please arrive on time for your scheduled session. Because my schedule is carefully planned, sessions begin and end at the agreed-upon times.
Presence
Please choose a quiet, private space where you can participate fully. Silencing your phone and minimizing distractions will help you receive the greatest benefit from our time together.
Cancellation Policy
If you need to reschedule your appointment, please provide at least 48 hours’ notice.
Appointments cancelled with less than 48 hours’ notice may be charged the full session fee. I understand that life happens and reserve the right to waive this fee at my discretion.
Payment
Payment is required before your session in order to secure your booking.
Coaching Packages
Unless otherwise stated in writing, coaching packages are non-refundable and expire six (6) months after your first scheduled session.
Payment Plans
Unless otherwise agreed upon in writing, coaching packages must be paid in full before coaching begins.
If a payment plan is offered, all payments must be completed before the final scheduled session unless different terms have been agreed upon in writing.
My Right to Decline or End Coaching
Coaching is built on trust, mutual respect, and having the right fit between coach and client.
I reserve the right to decline working with a prospective client or to end a coaching relationship at any time if I believe coaching is no longer an appropriate fit or if continuing the relationship is not in the best interest of either party.
If I choose to end our coaching relationship, any prepaid fees for unused coaching sessions will be refunded.
Submitting an inquiry, application, or booking request does not guarantee that we will work together. My goal is always to ensure that my coaching services are the right fit for both of us.
Digital Products, Programs & Technology
Refund Policy
Unless otherwise stated at the time of purchase, all digital products, courses, programs, books, and downloadable materials are non-refundable.
If a specific product, program, or promotion includes a different refund policy, that policy will be clearly communicated at the time of purchase.
Access to Digital Products
I make every reasonable effort to provide reliable access to programs, courses, and digital materials.
However, technology occasionally has a mind of its own (because apparently even computers need a bad day once in a while!).
Websites can go offline. Emails can disappear. Download links can stop working. Online platforms can experience technical difficulties.
While I will always do my best to help resolve reasonable access issues, I cannot guarantee that websites, platforms, email services, download links, or other technology will always operate perfectly or without interruption.
To protect your access to your materials, I strongly recommend downloading and saving any digital products, resources, worksheets, videos, audio files, or other materials you receive whenever possible.
Please do not rely solely on internet access, hosting platforms, or email storage to keep your materials available.
Some products may include limited-time or one-time download access. It is your responsibility to save your materials for future use.
Technical Issues
If you experience difficulty accessing a product, program, download, email, or online group, please contact me at tova(at)gmaildot)com as soon as possible so I can do my best to help resolve the issue.
To the fullest extent permitted by applicable law, Tova Payne and her affiliates, contractors, partners, and representatives are not responsible for losses resulting from technical issues, website downtime, platform failures, lost emails, or inability to access digital materials.
Agreement to Terms
By purchasing, accessing, or using any product, program, service, or resource, you agree to the Terms & Conditions, Privacy Policy, and Disclaimer outlined on this website.
These terms may be updated from time to time. Please review this page periodically to ensure you remain aware of any changes.
2. Privacy Policy
Your privacy is important to me.
This Privacy Policy explains how information is collected, used, and protected when you visit www.tovapayne.com, communicate with me, or participate in my programs and services.
By using this website, you consent to the practices described in this Privacy Policy.
Information You Provide
When you subscribe to my newsletter, request information, purchase a product, participate in a program, complete a form, or communicate with me, you may provide personal information such as your name, email address, and other details needed to provide services.
I respect your privacy and will never sell, rent, or intentionally share your personal information with third parties for marketing purposes.
Your information belongs to you. I have no interest in passing it around or sharing it with anyone who does not need it.
Email Communications
If you subscribe to my newsletter, your information is stored through my email marketing service provider, currently Mailchimp.
You can safely unsubscribe from my emails at any time by clicking the unsubscribe link included in my communications.
Public Comments and Online Communities
Please remember that anything you choose to share publicly on websites, social media platforms, comments, or online communities may be visible to others.
The internet is a very public place, so please use good judgment when sharing personal information.
Share what you feel comfortable sharing, and remember that anything posted publicly may be viewed, saved, or shared by others.
Feedback, Surveys, and Testimonials
I value feedback from clients and appreciate those who choose to share their experiences working with me.
If you provide feedback, complete a survey, or share your experience, I may use that information to improve my services, create educational content, or better understand what is helpful to my clients.
If I wish to share your testimonial, review, story, or kind words publicly, I will seek your permission before publishing your name, identifying details, photograph, or any information that could identify you.
You are always welcome to let me know if you would prefer your feedback to remain private.
Questions and Communications
When you contact me with questions, ideas, or feedback, I may use general themes or topics from those conversations as inspiration for future content, including blog posts, newsletters, programs, workshops, books, or other educational materials.
Your personal information and identifying details will remain private unless you give me permission to share them.
Coaching and Client Privacy
When you work with me, our coaching relationship is treated as private and confidential, subject to the confidentiality limitations described in the Terms & Conditions section.
With your permission, I may share testimonials, success stories, or feedback about our work together.
I will always ask before sharing anything publicly that identifies you.
Recording of Sessions
In some cases, coaching sessions or group sessions may be recorded for educational purposes, review, or to provide recordings to participants.
You will be informed when a session is being recorded.
Please note that group programs and group calls are different from private coaching sessions. Because other participants are present, group sessions cannot be considered completely private.
Information shared during group sessions may be heard by other participants and may be used in future educational materials where appropriate.
Payments
Payments are processed through third-party payment providers. These providers maintain their own privacy policies and security practices.
I do not store your complete payment information.
Website Data and Cookies
When you visit this website, certain information may automatically be collected, such as your browser type, device information, IP address, and general website usage data.
Cookies and similar technologies may be used to improve website functionality, understand website traffic, and create a better experience for visitors.
Security
I take reasonable steps to protect your information.
However, no online system can guarantee complete security. The reality is that no website, platform, or online service can promise 100% protection from every possible risk.
By using this website, you acknowledge that internet-based services carry some level of risk.
Your Consent
By using this website, you consent to this Privacy Policy.
Updates and Changes
I reserve the right to update or modify this Privacy Policy at any time.
Any changes become effective once posted on this website.
It is your responsibility to review this Privacy Policy periodically to ensure you remain aware of any updates.
3. Disclaimer
The information provided through this website, my books, programs, courses, resources, and services is intended for educational and informational purposes only.
My goal is to share ideas, tools, experiences, and resources that may support your personal growth and learning. However, it is important that you use your own judgment and seek professional guidance when needed.
No Medical or Professional Advice
I am not a physician, therapist, psychologist, psychiatrist, financial advisor, lawyer, or other regulated professional.
Nothing provided through my website, programs, products, or services should be considered medical, psychological, financial, legal, or professional advice.
I do not diagnose, treat, or provide professional services outside my qualifications.
If you have specific concerns about your health, finances, legal matters, mental health, or any other important area of your life, please seek guidance from an appropriately qualified professional.
No Guarantees
My programs, products, services, and resources are designed to provide information, guidance, support, and tools for personal growth.
However, I cannot guarantee specific results, including improvements in health, happiness, income, relationships, success, or personal outcomes.
Everyone’s journey is different. Your results depend on many factors, including your individual circumstances, choices, actions, commitment, timing, and many other things outside my control.
Simply purchasing a product, joining a program, or attending a session does not guarantee a particular outcome.
The real magic happens when you take what you learn and put it into action.
Personal Responsibility
You are responsible for your own decisions, choices, actions, and results.
The information, suggestions, strategies, and resources I provide are intended as educational tools and should be considered alongside your own judgment and, when appropriate, professional guidance.
You are the expert on your own life, and you are responsible for deciding what choices are right for you.
Third-Party Resources
From time to time, I may recommend books, websites, products, services, or resources created by other people or organizations.
I share these resources because I believe they may be helpful, but you are responsible for deciding whether they are appropriate for your situation.
A recommendation does not mean that I guarantee, endorse, or take responsibility for the accuracy, quality, reliability, or results of any third-party resource.
Limitation of Liability
To the fullest extent permitted by applicable law, Tova Payne and her affiliates, contractors, partners, representatives, and related parties are not responsible for any loss, damage, injury, claim, or consequence arising from your use of this website, products, services, programs, or resources.
Your participation in my services and use of this website are voluntary and undertaken at your own discretion and risk.
Children’s Privacy
This website is intended for a general audience and is not specifically directed toward children under the age of 18.
I respect the privacy of children and do not knowingly collect personal information from individuals under 18.
If I become aware that personal information has been collected from a child without appropriate consent, I will take reasonable steps to remove that information.
Updates and Changes
I reserve the right to update or modify this Disclaimer at any time.
Any changes become effective once posted on this website.
It is your responsibility to review this Disclaimer periodically to remain informed of any updates.
Your Consent
By using this website, purchasing products, participating in programs, or working with Tova Payne, you acknowledge that you have read, understood, and agreed to this Disclaimer, Privacy Policy, and Terms & Conditions.
Thank you for taking the time to read through this information.
Welcome! Legal pages may not be the most exciting part of a website (unless you’re a lawyer… in which case, welcome — you may actually enjoy this stuff!). But they are important. This page explains how this website works, how your privacy is respected, and the terms that apply when you visit this site, purchase products or services, download resources, or work with me.
This Legal Information page includes:
- Terms & Conditions
- Privacy Policy
- Disclaimer
Your Consent
By using this website, you consent to the policies, practices, and terms described on this page.
Updates and Changes
From time to time, I may update these Terms & Conditions, Privacy Policy, or Disclaimer to reflect changes to my business, services, technology, or applicable laws.
Any updates become effective once they are posted on this website. By continuing to use this site after changes have been posted, you agree to the updated terms.
I encourage you to review this page occasionally so you stay informed of any changes.
Limitation of Liability
Your use of this website, its content, products, services, and resources is entirely at your own discretion and risk.
To the fullest extent permitted by applicable law, Tova Payne and her business, affiliates, contractors, partners, and representatives are not responsible for any direct, indirect, incidental, consequential, or other damages arising from your use of this website, its content, products, services, or information provided.
While I make every reasonable effort to provide accurate information and reliable resources, I cannot guarantee that this website, emails, downloads, programs, or other materials will always be error-free, uninterrupted, or available.
Any decisions you make based on information provided through this website, my programs, services, or resources are your own responsibility.
Thank you for taking the time to review this information.
1. Terms & Conditions
Coaching Session Guidelines
I am committed to helping you get the most value from our time together. These simple guidelines are here to help create a focused, respectful, and productive coaching experience.
To make the most of your sessions, I encourage you to:
- Set aside time between sessions to complete any suggested exercises, reflections, or practices. This is where meaningful growth and lasting change often happen.
- Arrive prepared with questions, thoughts, challenges, or topics you would like to explore.
- Ask questions whenever something feels unclear. There are no silly questions here.
- Let me know what you would like to focus on so we can make sure our work together continues to support what matters most to you.
Confidentiality
Your privacy is important to me. Coaching and consulting sessions are treated as confidential.
There are limited exceptions where information may need to be disclosed, including situations where disclosure is required by law or where there is a serious risk of harm to yourself or another person.
Scope of Coaching
Emotions are a natural and welcome part of the coaching process. They often provide important information, awareness, and insight.
However, coaching is not a substitute for professional mental health care, medical treatment, or therapy.
If I believe your needs extend beyond the scope of coaching or consulting, I will let you know and may recommend that you seek support from an appropriately qualified professional.
Please note that I am not a licensed therapist, psychologist, psychiatrist, physician, or addiction specialist. I do not provide psychotherapy, medical treatment, or substance abuse counselling.
Coaching Session Policies
By booking or participating in a coaching session, you agree to the following:
Attendance
Please arrive on time for your scheduled session. Because my schedule is carefully planned, sessions begin and end at the agreed-upon times.
Presence
Please choose a quiet, private space where you can participate fully. Silencing your phone and minimizing distractions will help you receive the greatest benefit from our time together.
Cancellation Policy
If you need to reschedule your appointment, please provide at least 48 hours’ notice.
Appointments cancelled with less than 48 hours’ notice may be charged the full session fee. I understand that life happens and reserve the right to waive this fee at my discretion.
Payment
Payment is required before your session in order to secure your booking.
Coaching Packages
Unless otherwise stated in writing, coaching packages are non-refundable and expire six (6) months after your first scheduled session.
Payment Plans
Unless otherwise agreed upon in writing, coaching packages must be paid in full before coaching begins.
If a payment plan is offered, all payments must be completed before the final scheduled session unless different terms have been agreed upon in writing.
My Right to Decline or End Coaching
Coaching is built on trust, mutual respect, and having the right fit between coach and client.
I reserve the right to decline working with a prospective client or to end a coaching relationship at any time if I believe coaching is no longer an appropriate fit or if continuing the relationship is not in the best interest of either party.
If I choose to end our coaching relationship, any prepaid fees for unused coaching sessions will be refunded.
Submitting an inquiry, application, or booking request does not guarantee that we will work together. My goal is always to ensure that my coaching services are the right fit for both of us.
Digital Products, Programs & Technology
Refund Policy
Unless otherwise stated at the time of purchase, all digital products, courses, programs, books, and downloadable materials are non-refundable.
If a specific product, program, or promotion includes a different refund policy, that policy will be clearly communicated at the time of purchase.
Access to Digital Products
I make every reasonable effort to provide reliable access to programs, courses, and digital materials.
However, technology occasionally has a mind of its own (because apparently even computers need a bad day once in a while!).
Websites can go offline. Emails can disappear. Download links can stop working. Online platforms can experience technical difficulties.
While I will always do my best to help resolve reasonable access issues, I cannot guarantee that websites, platforms, email services, download links, or other technology will always operate perfectly or without interruption.
To protect your access to your materials, I strongly recommend downloading and saving any digital products, resources, worksheets, videos, audio files, or other materials you receive whenever possible.
Please do not rely solely on internet access, hosting platforms, or email storage to keep your materials available.
Some products may include limited-time or one-time download access. It is your responsibility to save your materials for future use.
Technical Issues
If you experience difficulty accessing a product, program, download, email, or online group, please contact me at tova(at)gmaildot)com as soon as possible so I can do my best to help resolve the issue.
To the fullest extent permitted by applicable law, Tova Payne and her affiliates, contractors, partners, and representatives are not responsible for losses resulting from technical issues, website downtime, platform failures, lost emails, or inability to access digital materials.
Agreement to Terms
By purchasing, accessing, or using any product, program, service, or resource, you agree to the Terms & Conditions, Privacy Policy, and Disclaimer outlined on this website.
These terms may be updated from time to time. Please review this page periodically to ensure you remain aware of any changes.
2. Privacy Policy
Your privacy is important to me.
This Privacy Policy explains how information is collected, used, and protected when you visit www.tovapayne.com, communicate with me, or participate in my programs and services.
By using this website, you consent to the practices described in this Privacy Policy.
Information You Provide
When you subscribe to my newsletter, request information, purchase a product, participate in a program, complete a form, or communicate with me, you may provide personal information such as your name, email address, and other details needed to provide services.
I respect your privacy and will never sell, rent, or intentionally share your personal information with third parties for marketing purposes.
Your information belongs to you. I have no interest in passing it around or sharing it with anyone who does not need it.
Email Communications
If you subscribe to my newsletter, your information is stored through my email marketing service provider, currently Mailchimp.
You can safely unsubscribe from my emails at any time by clicking the unsubscribe link included in my communications.
Public Comments and Online Communities
Please remember that anything you choose to share publicly on websites, social media platforms, comments, or online communities may be visible to others.
The internet is a very public place, so please use good judgment when sharing personal information.
Share what you feel comfortable sharing, and remember that anything posted publicly may be viewed, saved, or shared by others.
Feedback, Surveys, and Testimonials
I value feedback from clients and appreciate those who choose to share their experiences working with me.
If you provide feedback, complete a survey, or share your experience, I may use that information to improve my services, create educational content, or better understand what is helpful to my clients.
If I wish to share your testimonial, review, story, or kind words publicly, I will seek your permission before publishing your name, identifying details, photograph, or any information that could identify you.
You are always welcome to let me know if you would prefer your feedback to remain private.
Questions and Communications
When you contact me with questions, ideas, or feedback, I may use general themes or topics from those conversations as inspiration for future content, including blog posts, newsletters, programs, workshops, books, or other educational materials.
Your personal information and identifying details will remain private unless you give me permission to share them.
Coaching and Client Privacy
When you work with me, our coaching relationship is treated as private and confidential, subject to the confidentiality limitations described in the Terms & Conditions section.
With your permission, I may share testimonials, success stories, or feedback about our work together.
I will always ask before sharing anything publicly that identifies you.
Recording of Sessions
In some cases, coaching sessions or group sessions may be recorded for educational purposes, review, or to provide recordings to participants.
You will be informed when a session is being recorded.
Please note that group programs and group calls are different from private coaching sessions. Because other participants are present, group sessions cannot be considered completely private.
Information shared during group sessions may be heard by other participants and may be used in future educational materials where appropriate.
Payments
Payments are processed through third-party payment providers. These providers maintain their own privacy policies and security practices.
I do not store your complete payment information.
Website Data and Cookies
When you visit this website, certain information may automatically be collected, such as your browser type, device information, IP address, and general website usage data.
Cookies and similar technologies may be used to improve website functionality, understand website traffic, and create a better experience for visitors.
Security
I take reasonable steps to protect your information.
However, no online system can guarantee complete security. The reality is that no website, platform, or online service can promise 100% protection from every possible risk.
By using this website, you acknowledge that internet-based services carry some level of risk.
Your Consent
By using this website, you consent to this Privacy Policy.
Updates and Changes
I reserve the right to update or modify this Privacy Policy at any time.
Any changes become effective once posted on this website.
It is your responsibility to review this Privacy Policy periodically to ensure you remain aware of any updates.
3. Disclaimer
The information provided through this website, my books, programs, courses, resources, and services is intended for educational and informational purposes only.
My goal is to share ideas, tools, experiences, and resources that may support your personal growth and learning. However, it is important that you use your own judgment and seek professional guidance when needed.
No Medical or Professional Advice
I am not a physician, therapist, psychologist, psychiatrist, financial advisor, lawyer, or other regulated professional.
Nothing provided through my website, programs, products, or services should be considered medical, psychological, financial, legal, or professional advice.
I do not diagnose, treat, or provide professional services outside my qualifications.
If you have specific concerns about your health, finances, legal matters, mental health, or any other important area of your life, please seek guidance from an appropriately qualified professional.
No Guarantees
My programs, products, services, and resources are designed to provide information, guidance, support, and tools for personal growth.
However, I cannot guarantee specific results, including improvements in health, happiness, income, relationships, success, or personal outcomes.
Everyone’s journey is different. Your results depend on many factors, including your individual circumstances, choices, actions, commitment, timing, and many other things outside my control.
Simply purchasing a product, joining a program, or attending a session does not guarantee a particular outcome.
The real magic happens when you take what you learn and put it into action.
Personal Responsibility
You are responsible for your own decisions, choices, actions, and results.
The information, suggestions, strategies, and resources I provide are intended as educational tools and should be considered alongside your own judgment and, when appropriate, professional guidance.
You are the expert on your own life, and you are responsible for deciding what choices are right for you.
Third-Party Resources
From time to time, I may recommend books, websites, products, services, or resources created by other people or organizations.
I share these resources because I believe they may be helpful, but you are responsible for deciding whether they are appropriate for your situation.
A recommendation does not mean that I guarantee, endorse, or take responsibility for the accuracy, quality, reliability, or results of any third-party resource.
Limitation of Liability
To the fullest extent permitted by applicable law, Tova Payne and her affiliates, contractors, partners, representatives, and related parties are not responsible for any loss, damage, injury, claim, or consequence arising from your use of this website, products, services, programs, or resources.
Your participation in my services and use of this website are voluntary and undertaken at your own discretion and risk.
Children’s Privacy
This website is intended for a general audience and is not specifically directed toward children under the age of 18.
I respect the privacy of children and do not knowingly collect personal information from individuals under 18.
If I become aware that personal information has been collected from a child without appropriate consent, I will take reasonable steps to remove that information.
Updates and Changes
I reserve the right to update or modify this Disclaimer at any time.
Any changes become effective once posted on this website.
It is your responsibility to review this Disclaimer periodically to remain informed of any updates.
Your Consent
By using this website, purchasing products, participating in programs, or working with Tova Payne, you acknowledge that you have read, understood, and agreed to this Disclaimer, Privacy Policy, and Terms & Conditions.
Thank you for taking the time to read through this information.
