Terms & Conditions

By accessing or using our website or services, you agree to be bound by the following Terms & Conditions:
 

1. Coaching Relationship
Ray Life Coaching provides educational and coaching services, not therapy or licensed medical support. Clients remain responsible for their own actions, decisions, and results.
 

2. Confidentiality
All client information shared during sessions is held in strict confidence, with exceptions as required by law (e.g., risk of harm to self/others).
 

3. Payment Terms
Full payment is due at the time of booking unless otherwise arranged. Packages must be used within 6 months unless agreed upon in writing.
 

4. Content Usage
All materials, including the Confidence Tool Kit and workshop content, are copyrighted and for personal use only unless express written permission is granted.
 

5. Modifications
We may update these terms at any time. Continued use of the site or services implies acceptance of those changes.