Terms and Conditions for Heatherdowner.com (Cardinal Impact LLC) Effective Date: 12/15/25 1. Acceptance of Terms By accessing and using the website heatherdowner.com and services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services. 2. Services Provided Heatherdowner.com provides wellness and life coaching services. These services are for educational and motivational purposes and are not a substitute for medical, psychological, or professional advice. Important Disclaimers: Coaching is not therapy, counseling, or medical treatment Results vary and are not guaranteed You are responsible for implementing coaching strategies Consult appropriate professionals for medical or mental health concerns 3. Client Responsibilities As a client, you agree to: Provide accurate information Attend scheduled sessions or provide 24-hour cancellation notice Engage actively and honestly in the coaching process Take responsibility for your own decisions and actions Maintain confidentiality about other group members (if applicable) 4. Payment Terms Payment is due before services begin Prices are subject to change with notice See our Refund Policy for cancellation terms Late payments may result in service suspension 5. Cancellation & Rescheduling Sessions must be cancelled with 24 hours notice Late cancellations or no-shows will be charged full session fee Rescheduling is available with adequate notice and availability Package refund terms are outlined in our Refund Policy and client/coach contract agreement 6. Confidentiality Information shared in coaching is kept confidential Exceptions: legal requirements, safety concerns, or with your permission You may share your own information as you choose Testimonials are used only with explicit permission 7. Intellectual Property All content on this website, including text, images, logos, and materials provided during coaching, are the property of Heatherdowner.com, Heather Downer and Cardinal Impact LLC and are protected by copyright laws. You may not reproduce, distribute, or use this content without required permission. 8. Limitation of Liability Heatherdowner.com, Heather Downer and Cardinal Impact LLC, are not liable for: Results or outcomes of coaching Decisions made based on coaching discussions Technical issues with website or virtual sessions Any indirect or consequential damages **Coaching services are provided "as is" without warranties of any kind. 9. Termination Either party may terminate the coaching relationship at any time within the agreed timeline detailed in client coach agreement. Cardinal Impact LLC, Heather Downer and Heathedowner.com reserve the right to terminate services for: Non-payment Violation of these terms Inappropriate behavior Conflict of interest 10. Dispute Resolution Any disputes will be resolved through: Good faith discussion between parties Mediation (if needed) Applicable laws of Michigan By using our services, you agree to resolve disputes in Kent County/Michigan jurisdiction. 11. Changes to Terms We may update these Terms and Conditions periodically. Changes will be posted on this page with the updated effective date. Continued use of services constitutes acceptance of updated terms. 12. Contact Information Questions about these Terms and Conditions? Contact: Heather Downer; heather@heatherdowner.com Last Updated: 12/15/2025