Terms & Conditions and Privacy Policy

For Coaching Services with Navy & Gold Coaching
Last Updated: November 17th 2025

1. Introduction

Welcome to Navy & Gold Coaching (“we”, “our”, “ours”).

These Combined Terms & Conditions and Privacy Policy govern your use of our website, online coaching sessions, digital content, and related services (collectively, the “Services”). By accessing or using our Services, you agree to this Agreement.

Please read carefully these terms before any use of our Services.

2. Eligibility

You must be 18 years or older to use our Services. By using our Services, you confirm that you meet this requirement.

3. Nature of Coaching Services

Life coaching is not therapy, not medical treatment, and not legal or financial advice.
Our services are intended for personal development and goal enhancement only.

You understand and agree that:

Coaching does not diagnose or treat mental health conditions.
You are responsible for your own decisions and actions.
Results vary, and no specific outcomes are guaranteed.

4. Scheduling, Payments, and Cancellations

4.1 Scheduling

Sessions must be booked using our booking system or through direct communication.

4.2 Payments

Payment is required before sessions.
Payments are processed securely via third-party processors.
All fees are listed in the currency displayed during checkout.

4.3 Cancellations & Rescheduling

You may cancel or reschedule with at least 48 hours’ notice.
Cancellations under 48 hours may be charged in full.
No-shows are non-refundable.

4.4 Refunds

Unless otherwise stated, all sales are final. Exceptions are considered case-by-case at our discretion.

5. Client Responsibilities

You agree to:

Attend sessions punctually
Participate actively and honestly
Follow all applicable laws
Not misuse, distribute, or replicate any materials provided

6. Intellectual Property

All content, worksheets, videos, courses, and written materials provided by us are the intellectual property of Navy & Gold Coaching and may not be copied, shared, or distributed without written permission.

7. Limitation of Liability

To the fullest extent permitted by law:

We are not liable for any damages, losses, or negative outcomes resulting from coaching sessions.
We do not guarantee personal, financial, or emotional results.
You assume all risk associated with using the Services.

If you experience mental health crises or emergencies, contact local emergency services immediately.

8. Confidentiality and Mandatory Reporting

We maintain confidentiality in all coaching sessions except when required by law, including:

Threats of harm to self or others
Suspected abuse or neglect
Court orders or legal obligations

9. Privacy Policy

This section describes how we collect, use, store, and protect your information.

9.1 Information We Collect

a. Personal Information

Name
Email
Phone number
Address
Payment information (processed through secure third-party systems)

b. Coaching-Related Information

Notes, goals, assessments, questionnaires, session content

c. Technical Information

IP address
Browser type
Device information
Usage data on our website

d. Communications

Emails, messages, and client inquiries

9.2 How We Use Your Information

We use your information to:

Provide and personalize coaching services
Manage accounts and payments
Send session reminders and administrative updates
Improve our website and user experience
Send marketing emails (only with your consent)
Maintain security and legal compliance

9.3 Legal Basis for Processing

Processing is based on:

Your consent
Performance of a contract
Legal compliance
Legitimate business interests

9.4 How We Protect Your Information

We use physical, technical, and administrative safeguards to protect your data. No system is entirely secure, but we follow industry best practices.

9.5 Information Sharing

We do not sell your information.
We may share data with:

Service providers (payment processors, booking systems, cloud storage)
Legal authorities if required
Business successors (e.g., merger or acquisition)

All third parties must maintain privacy and confidentiality.

9.6 Data Retention

We retain data only as long as necessary to:

Provide services
Meet legal obligations
Resolve disputes

You can request deletion unless we are legally required to retain data.

9.7 Your Rights

Depending on your jurisdiction, you may have the right to:

Access your data
Correct or update information
Request deletion
Withdraw consent
Restrict processing
Receive a copy of your data (data portability)

9.8 Cookies & Tracking

We may use cookies and analytics (e.g., traffic data, website performance).
You may disable cookies in your browser settings.

9.9 Children’s Privacy

Our Services are not intended for individuals under 18, and we do not knowingly collect data from minors.

10. Termination

We may terminate your access or discontinue services if:

You violate this Agreement
You behave inappropriately or abusively
You fail to pay for services

You may terminate your account or stop using the Services at any time.

11. International Data Transfers

Your information may be processed in countries other than your own. We use lawful mechanisms to safeguard international data transfers.

12. Changes to This Agreement

We may update these Terms and this Privacy Policy periodically.
Changes will be posted with an updated “Last Updated” date.

Continued use of the Services indicates acceptance of changes.

13. Contact Information

For questions or requests related to this Agreement, contact:

Navy & Gold Coaching