Terms for coaching services.

1. Provider and scope

These Terms and Conditions apply to coaching services provided by Katarina Gröflin, Katey Coaching, Kammermattweg 18, CH-4107 Ettingen, Switzerland, katey.coaching.newlife@gmail.com. They apply to consumers and, where relevant, business clients. Mandatory rights under the law of a client's country of residence remain unaffected.

2. Contract formation

The program pages and payment options allow the client to select the service and billing plan they want. Before paying, Stripe Checkout shows the selected item, price and billing schedule and allows the client to review and correct the order.

A contract is formed when the client accepts these Terms using the unticked checkbox in Stripe Checkout and confirms the paid order. Stripe then displays the payment result and sends the available payment or invoice confirmation electronically. An expressly confirmed written agreement may also form a contract.

3. Services

The description displayed for the selected program at checkout determines the agreed scope. Reasonable changes may be made where needed for safety or to adapt the service to the client's goals, health, equipment and progress.

• The Full Transformation: a fixed 90-day personalised coaching program. The 90 days begin when the client receives the first workout video. It ends automatically and does not renew.
• Move and Grow: a monthly online training subscription with weekly check-ins. It renews monthly until cancelled, has no minimum term and can be cancelled through the Stripe customer portal for the next billing cycle.
• Find Your Way Through: a 60-minute one-to-one conversation paid in advance through Stripe at CHF 80 per session. It is faith-based coaching and is not medical treatment, psychotherapy, crisis care or a substitute for professional healthcare.

4. Prices and payment

The total price and billing schedule are shown before payment. Payments are processed by Stripe. Instalments are charged automatically on their fixed monthly schedule, including during an illness pause. They are a payment schedule for the full fixed-term price, not separate monthly purchases. If a payment fails, coaching pauses until payment is successfully completed, subject to mandatory law.

• The Full Transformation: CHF 1,290 paid in full; two monthly payments of CHF 700 (CHF 1,400 total); or three monthly payments of CHF 480 (CHF 1,440 total).
• Move and Grow: CHF 200 per monthly billing cycle.
• Find Your Way Through: CHF 80 per 60-minute session, paid in advance.

5. Appointments and illness pauses

Appointments may be cancelled or rescheduled with at least 24 hours' notice. A session cancelled later or missed without notice is forfeited without replacement or credit.

If a client is genuinely ill or injured, informs Katey in advance and provides a doctor's confirmation, the affected program pauses and is extended by the missed days. This does not apply to avoidable scheduling conflicts such as being busy. An illness pause may last no more than 60 days.

If the pause exceeds 60 days, the program closes. The client pays proportionally only for coaching up to the start of the pause. A client who paid in full receives a proportional refund for unused coaching days. For an instalment plan, future Stripe charges stop; any further reconciliation depends on the agreed proportional calculation and mandatory law.

6. Cancellation, renewal and refunds

The Full Transformation ends after 90 days and does not renew. A client may stop participating at any time, but stopping early or changing their mind does not itself create a refund entitlement. The special proportional settlement for an illness pause exceeding 60 days remains unaffected.

Move and Grow may be cancelled at any time through the Stripe customer portal. Cancellation takes effect at the end of the current paid billing cycle, prevents the next renewal and does not normally generate a partial-period refund.

Find Your Way Through appointments are subject to the 24-hour rule above.

No-refund provisions do not apply where mandatory law requires a refund, where Katey permanently cannot provide the agreed service, or where the client has statutory remedies for defective performance. Nothing in these Terms restricts rights that cannot lawfully be excluded.

7. EU/EEA withdrawal rights

Consumers in the EU/EEA generally have 14 days from conclusion of a distance service contract to withdraw without giving a reason. To exercise this right, the client must send a clear statement before the deadline to Katey Coaching, Katarina Gröflin, Kammermattweg 18, CH-4107 Ettingen, Switzerland, or katey.coaching.newlife@gmail.com. Katey will reimburse payments covered by a valid withdrawal without undue delay and no later than 14 days after receiving the notice, using the original payment method unless otherwise agreed and without additional fees.

Model withdrawal statement: ‘I hereby withdraw from the contract for the following coaching service: [program]. Ordered on: [date]. Name and address of the client: [details]. Date: [date].’ Use of this wording is optional; any unambiguous statement is sufficient.

Where the client expressly asks for coaching to begin during the withdrawal period, Katey may charge the proportionate value of services supplied before a valid withdrawal, where permitted by law. The right is lost after full performance only where all legal requirements, including the client’s prior express consent and acknowledgement, are met.

The Stripe Terms checkbox records acceptance of these Terms. Any separate consent required to begin performance during the withdrawal period must also be obtained expressly and must not be pre-selected. Mandatory rights in the client’s country remain unaffected.

8. Clients under 18

A client under 18 may participate only with prior, verifiable consent from a parent or legal guardian. The parent or guardian must enter into the agreement, complete the payment and support compliance with these Terms. Katey may request proof or decline coaching where age, authority, consent or safety cannot be verified.

9. Health and safety

Katey may pause, modify or refuse an activity where she reasonably considers it unsafe. The client remains responsible for obtaining appropriate health and accident insurance.

• Clients must give complete and accurate information about injuries, pain, illness, pregnancy, medication and any other matter relevant to safe participation.
• After the consultation, clients must confirm their health information and safety acknowledgement in writing.
• Where a health concern exists, medical approval is required before training begins or resumes.
• Clients must follow instructions, use suitable equipment and surroundings, work within their abilities, stop immediately if they experience pain, dizziness or unusual symptoms, and seek appropriate medical help.

10. No medical service or guaranteed result

Coaching, nutrition information and faith-based conversations are educational and supportive services. They do not diagnose, treat or cure disease and do not replace a doctor, registered dietitian, psychotherapist or emergency service. No specific physical, health, weight, financial, emotional or spiritual result is guaranteed. Results depend on many factors, including the client's participation and circumstances.

11. Assumption of risk and liability

Physical activity involves inherent risks, including soreness, strains, falls and other injury. The client knowingly accepts the ordinary risks that remain despite reasonable instruction and care.

Katey remains responsible for exercising the care required by applicable law. Liability is excluded or limited only to the extent legally permitted. Nothing excludes liability for intentional misconduct or gross negligence, or any liability that applicable law does not allow to be excluded. The client's acknowledgement of risk does not excuse unsafe or negligent coaching.

12. Client cooperation and conduct

The client is responsible for providing timely information, attending agreed appointments, completing payments and using the program only for personal purposes. Harassment, abuse, unlawful conduct or conduct that creates a safety risk may lead to suspension or termination. Any financial consequences will be assessed fairly under the circumstances and mandatory law.

13. Intellectual property

Training plans, videos, written materials and other program content remain the property of Katey or the relevant rights holder. The client receives a personal, non-transferable right to use them during and for the purpose of the program. They may not be shared, sold, published, copied commercially or used to coach others without written permission.

14. Personal data and communications

Personal data is processed as described in the Privacy Notice. Written health information is deleted when the client's coaching ends, unless retention is required by mandatory law. Stripe processes payment data under its own privacy terms. Email and WhatsApp may be used for agreed coaching communication; they should not be used for emergencies. Clients should avoid sending unnecessary sensitive information through unsecured channels.

15. Katey's holidays and unavailability

For a planned holiday, clients are informed in advance and the program is extended by the number of days Katey is away. For unplanned temporary unavailability, the program pauses and extends when Katey can resume. No substitute coach or refund is provided for a temporary pause. Mandatory rights remain unaffected if Katey is permanently unable to provide the remaining service.

16. Governing law and disputes

Swiss law applies, excluding its conflict-of-law rules, to the extent this choice is permitted. Mandatory consumer protections and mandatory places of jurisdiction remain unaffected. The parties should first try to resolve concerns directly by email. Where no mandatory forum applies, the courts competent for Ettingen, Basel-Landschaft, Switzerland have jurisdiction.

17. Contact and version

Questions, cancellations and legal notices may be sent to katey.coaching.newlife@gmail.com. The version accepted at checkout governs the contract. Material changes do not retroactively alter an existing fixed-term purchase without agreement.