TERMS AND CONDITIONS OF USE

Last Updated: April 8, 2026

These are the official Terms and Conditions of Use for Lisa Catallo Counselling Inc., located in Surrey, British Columbia, Canada, herein known and referenced as "Company," "Our," "We," and "Us."

Our email is [email protected]. "You" and "Your" refers to users of this Company's website, communications, products, services, and related materials, herein known as "Offering."

NOTICE: These Terms and Conditions of Use are legally binding. It is Your responsibility to read these Terms and Conditions of Use carefully prior to purchase, use, or access of any of Our products, including online courses.

GENERAL PROVISIONS

This website is owned and operated by Lisa Catallo Counselling Inc.

You must be at least eighteen (18) years of age to use Our website. Use of this website is at Your own risk. We host Our site on a reputable platform and take reasonable efforts to maintain and host the site. However, We make no explicit representations or warranties as to the safety of Your individual use of the website. The Terms and Conditions contained on this page are subject to change at any time.

TERMS OF SITE & PURCHASER AGREEMENT

All Offerings are owned and provided by Company. These Terms and Conditions of Use govern and define how You are allowed to use and access Company's Offering. We reserve the right to update and change these Terms and Conditions of Use at any time, and will update them accordingly with the 'date last updated' at the top of this page.

You are legally bound to these Terms and Conditions of Use whether or not You have read them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at [email protected], and We will make reasonable efforts to remove Your name, email, and access to Our Offering and website(s).

YOUR PRODUCT OR COURSE USE AND CONSENT

When You accessed or received Our Offering, You were given reasonable notice that these Terms and Conditions of Use existed. By moving forward with Your access of the Offering and further use of the Offering, You implicitly agreed and continue to agree to abide by these Terms and Conditions of Use, as well as any disclaimers and privacy disclosures contained herein.

You agree You are at least 18 years old or of the age of majority in Your applicable jurisdiction to access the Offering. Access of Our Offering and related materials by a minor is a violation of use, and We reserve the right to terminate Your access if such an issue is discovered.

INTELLECTUAL PROPERTY NOTICE

All images, text, designs, graphics, trademarks, and service marks are owned by and property of Company, or the properly attributed party. It is a violation of applicable law to use any of Our intellectual property in whole or in part, and modification of any materials contained on this site is illegal and may be prosecuted to the fullest extent permissible, including asking for financial penalties (damages) and/or an injunction forcing You to stop using Our intellectual property immediately.

You may NOT use Our intellectual property in any way, which includes republishing any text, image, design, or other property on another website, or posting a quote or image from Our site to any third-party website including social media.

YOUR MATERIALS AND CONTRIBUTIONS

By submitting a comment, photo, video, or other material(s) onto any website or platform owned or maintained by Us, including but not limited to third-party access sites such as Our Facebook group(s) or online software platforms that We use to distribute Our Offering and related materials, You agree that We have a non-revocable, commercial licence to re-publish Your submission in whole or in part unless You explicitly state that We may not do so with said submission. You have no right to privacy by accessing Our Offering or related materials, and We reserve the right to disclose Your participation in the same.

PRODUCT REVIEWS

We may ask You to leave a rating and/or review of Your experience. If You choose to write a review, You must comply with the following guidelines:

• You have used and/or accessed the product(s) sufficiently to speak with reasonable knowledge as to its effectiveness, value, aesthetics, or utility.
• You do not use any offensive language, such as profanity, hateful or racist speech.
• Your submission does not discriminate on the basis of race, gender, religion, nationality, age, or disability.
• You have not used your access in an illegal way, or made any implied or express claims to the same.
• You are not related to anyone who owns any part of Our site.
• You are not claiming any false or misleading statements.
• You are not affiliated with or working for any site or company We deem a competitor, at Our sole discretion.

We reserve the right to accept or reject Your review at Our sole discretion. By posting a review, You hereby grant to Us a perpetual, non-exclusive, worldwide, royalty-free, fully-paid, assignable, and sublicensable right and licence to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to reviews.

INTELLECTUAL PROPERTY — LIMITED LICENCE

Any and all materials, paid or free, that You access on this or any related domains that contain Our Offering are under the sole ownership or licensed use of Company.

You are only receiving a limited, non-transferable, non-exclusive, revocable licence for non-commercial use only in order to access any content or materials in the Offering You have opted to receive or paid for. If You exceed the scope of this licence, You have committed infringement in a manner that materially harms Us, and We have the right to seek damages and/or an injunction to remedy the situation.

YOU MAY:

• Access the Offering for Your personal use.
• Download and/or print any Offering materials for Your personal use in Your business.
• Use Our trademarks and copyrighted materials with Our consent and proper credit.

YOU MAY NOT:

• Re-sell or trade Your access to the Offering.
• Share the Offering with anyone else who has not opted in or paid for access.
• Reprint or republish any of the Offering, in part or in whole.
• Distribute any of the materials contained in the Offering or related materials and/or communications as Your own.
• Reproduce and tweak any part or whole of the Offering for distribution as Your own work.
• Use Our Offering or any related materials and/or communications in an unlawful way or for any illegal purpose.

SECURITY AND ASSUMPTION OF RISK

SECURITY

It is Your responsibility to secure Your username and password from theft or any other means of unauthorised use. To the best of Our abilities, We do not store any whole credit card numbers or payment information. These are processed through third-party processors such as Stripe, PayPal, or other third-party payment processors as selected by You at checkout. By utilising these payment processors, You indemnify Us and instead assume any and all risk or liability for the security of the payment details, and agree to be bound by the third-party payment processor's applicable terms and conditions.

ASSUMPTION OF RISK

By accessing Our Offering and/or related materials, whether paid or unpaid, You assume all the risk of Your access and any subsequent actions You choose to take as a result of the information or educational materials provided to You.

DISCLAIMERS

Our website and related materials are provided for educational and informational use only. You agree to indemnify and hold harmless Our website and Company for any direct or indirect loss or conduct incurred as a result of Your use of Our website and any related communications.

While We may reference certain results, outcomes, or situations on this website, You understand and acknowledge that We make no guarantee as to the accuracy of third-party statements contained herein or the likelihood of success for You as a result of these statements. If You have medical, legal, or financial questions, You should consult a medical professional, lawyer, or CPA/financial planner respectively.

EARNINGS DISCLAIMER

You agree that You understand individual outcomes will vary. Case studies or testimonials are not indicative of typical results. Each individual approaches Our Offering(s) with different backgrounds, disposable income levels, motivation, and other factors outside of Our control. We cannot guarantee Your success merely upon access or receipt of Our Offering(s) or related material(s).

GENERAL DISCLAIMER

To the fullest extent permitted by law, We expressly exclude any liability for any direct, indirect, or consequential loss or damage incurred by You or others in connection with Our Offering(s). We are not medical, legal, financial, or other professionals in the course of this Offering, and You expressly agree We are not acting in any professional capacity during the course of this Offering. This Offering is for educational purposes only and none of the Offering or its related material(s) should be construed as medical, legal, or financial advice.

INDEMNIFICATION AND LIMITATION OF LIABILITY

You agree at all times to indemnify and hold harmless Lisa Catallo Counselling Inc., as well as any of Our affiliates, agents, contractors, officers, directors, shareholders, employees, successors, and assignees, from and against any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees and expenses, arising out of or related to Our Offering(s).

We will not be held responsible or liable in any way for the information, products, or materials that You request or receive through or in relation to Our Offering(s). We do not assume liability for any third-party conduct, accidents, delays, harm, or other detrimental outcomes as a result of Your access of Our Offering(s).

TERMINATION

If at any time We feel You have violated these Terms and Conditions, We shall immediately terminate Your use of Our website and any related communications. It is within Our sole discretion to allow any user's access of Our website, and We may revoke this access at any time without notice.

FINANCIAL CONSIDERATIONS

PURCHASES AND PAYMENT

You authorise Us to charge your chosen payment provider for the total amount stated on Your checkout screen. All payments will be processed in Canadian dollars (CAD) unless otherwise specified at checkout. Sales taxes, including applicable GST/HST, will be applied to Your order as required by Canadian federal and British Columbia provincial law.

REFUNDS AND RETURN POLICY

Due to the nature of the services and/or digital products provided, refunds will not be given unless otherwise specified in writing.

CHARGEBACKS

You agree to make every attempt to contact Us to resolve a dispute prior to attempting a chargeback with Your financial institution. We reserve the right to present proof of Your access and these Terms and Conditions of Use to the financial institution investigating the dispute.

DISPUTE RESOLUTION

If You and Our Company cannot find a resolution to a dispute by means of good-faith negotiation, You explicitly agree to make a reasonable attempt to resolve any such dispute through Alternative Dispute Resolution or Mediation before filing a civil cause of action.

LAW AND JURISDICTION

These Terms and Conditions of Use are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any dispute arising out of or related to the information contained herein is subject to adjudication in the courts of British Columbia, Canada.

NON-DISPARAGEMENT

If You are found to be slandering, libelling, or otherwise disparaging Our Company, Offering(s), or related materials at Our discretion, You will be immediately removed from the Offering(s) and any related communications. We reserve the right to file a civil claim of action against You for any such damaging actions that materially harm Our Company.

ENTIRE AGREEMENT

The Terms and Conditions contained herein, together with Our Privacy Policy, constitute the entire agreement between site users and Lisa Catallo Counselling Inc. relating to the use of this website and its Offerings.

CONSENT

By using Our website or accessing any Offering, You hereby consent to these Terms and Conditions of Use and Our Privacy Policy.

If You have any questions about these Terms and Conditions of Use, please contact Us at [email protected].

SEVERABILITY

If any part of these Terms and Conditions of Use is deemed unlawful and/or unenforceable under applicable Canadian law, all other provisions contained herein will remain in full force and effect.

ALL RIGHTS RESERVED — LISA CATALLO COUNSELLING INC.