Terms of Service

Welcome to Harmony Coaching Terms of Services. By accessing or using our website, downloading resources, or participating in our programs, you agree to the following Terms of Service. Please read them carefully.

1) Acceptance of Terms

By engaging with our website, downloads, or services, you agree to these Terms of Service. If you do not agree, please refrain from using our services.

2) Services Provided

Josephine Carmela offers digital downloads, quizzes, programs, and other resources to support personal growth, alignment, and empowerment. All content is for informational and educational purposes only and does not constitute professional advice (e.g., medical, legal, or financial advice).

3) Intellectual Property

All content provided, including quizzes, guides, and programs, is the intellectual property of Josephine Carmela. You may not reproduce, distribute, or use this content for commercial purposes without prior written consent.

4) Payment and Refunds

For paid programs or services:

Payments are processed securely.Refund policies are outlined at the time of purchase. Please review them carefully before completing your purchase.

5) User Responsibilities

By engaging with our content, you agree to:

Use the materials for personal, non-commercial purposes only.Respect the community by engaging respectfully and ethically.

6) Email Communication

By downloading resources or joining our programs, you agree to receive email updates. You can unsubscribe at any time, but unsubscribing may limit your access to some resources or updates.

7) Limitation of Liability

We are not responsible for any direct, indirect, or incidental damages resulting from the use of our services or content. All materials are provided "as is," and we make no guarantees about outcomes.

8) Changes to Terms

We may update these Terms of Service from time to time. The updated terms will be posted on our website with the effective date. Continued use of our services constitutes acceptance of the updated terms.

9) Governing Law

These terms are governed by the laws of the Province of Ontario, Canada

10) Contact Information

For questions or concerns about these terms, please contact us at [email protected]