TERMS & CONDITIONS

Effective Date: April 1, 2026

1. Acceptance of Terms

By accessing terencecarfrae.com or purchasing any digital product or coaching service, you agree to these Terms & Conditions.

If you do not agree, do not use this Website.

2. Services Offered

We provide:

• Digital courses
  

• Online educational materials
  

• Coaching programs
  

• Community access
  

• Mentorship services
  

All services are educational in nature.

3. No Guarantees

We do not guarantee specific:

• Relationship outcomes
  

• Emotional outcomes
  

• Psychological outcomes
  

• Financial outcomes
  

  Results depend on individual effort, application, and circumstances.

4. User Accounts

You are responsible for:

• Maintaining login confidentiality
  

• All activity under your account
  

We may suspend or terminate accounts that violate these Terms.

5. Community Conduct

In any community environment (including Facebook groups or internal platforms), you agree to:

• Communicate respectfully
  

• Avoid harassment, abuse, or threats
  

• Not share copyrighted materials
  

• Not promote competing services
  

• Maintain constructive dialogue
  
  We reserve the right to remove any participant at our sole discretion.

6. Intellectual Property

All content on this Website, including:

• Videos
  

• Course materials
  

• PDFs
  

• Frameworks
  

• Branding
  

• Logos
  

• Written content
  

is the intellectual property of Terence Carfrae.

You may not:

• Copy
  

• Redistribute
  

• Share login access
  

• Resell content
  

• Reproduce materials
  
  

  Unauthorized use may result in legal action.

7. Coaching Disclaimer

Coaching is not:

• Therapy
  

• Psychological treatment
  

• Medical advice
  

• Legal advice
  

You are responsible for your own decisions and actions.

If you require mental health support, consult a licensed professional.

8. Payment Terms

Full payment is required prior to access unless otherwise agreed in writing.

We reserve the right to modify pricing at any time.

9. Refund Policy

All sales are final. Please review the Refund Policy.

10. Chargeback Protection Clause

By purchasing any product or service, you agree that you will not initiate a chargeback or payment dispute with your financial institution without first contacting us at:

[email protected]

If a chargeback is initiated without prior written communication and reasonable opportunity for resolution:

• You will be in breach of these Terms
  

• Access to all products and services will be immediately revoked
  

• We reserve the right to dispute the chargeback with evidence of your agreement to these Terms
  

• We reserve the right to pursue recovery of funds, including administrative and legal costs where applicable
  

You acknowledge that purchasing constitutes agreement to our no-refund policy.

11. Limitation of Liability

To the fullest extent permitted by law:

Terence Carfrae shall not be liable for any indirect, incidental, consequential, or special damages arising from use of this Website or services.

Your use of this Website and services is at your own risk.

12. Indemnification

You agree to indemnify and hold harmless Terence Carfrae from any claims arising from your use of services or violation of these Terms.

13. Governing Law

These Terms are governed by the laws of Australia.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use constitutes acceptance.

15. Contact

Email: [email protected]

Website: terencecarfrae.com

REFUND POLICY

Effective Date: April 1, 2026

All purchases made through terencecarfrae.com are final.

Due to the digital nature of our products and services:

This applies to all products and services offered through terencecarfrae.com, including but not limited to the $47 course, the 12-week coaching container, and any other digital products or programs created in the future.

• No refunds
  

• No partial refunds
  

• No exceptions
  
  

By purchasing, you acknowledge that:

• You have reviewed the product description
  

• You understand what is being delivered
  

• You accept full responsibility for your purchase
  
  

If you experience technical access issues, please contact:

[email protected]

We will make reasonable efforts to resolve access problems.