1. Introduction
These Terms and Conditions govern your use of the website located at https://denisejarvie.com and any services provided by

Denise Jarvie ABN 37 704 606 026 ("we," "us," or "our").

By accessing or using our website, purchasing our services, or engaging with our content, you agree to comply with these Terms.

2. Services Provided
We offer coaching, online training, courses, and products to support personal transformation, spiritual growth, and empowerment.

• We aim to deliver high-quality services in a professional manner.
• Timeframes for service delivery are estimates and may be subject to unavoidable delays.

3. Disclaimer

• We are not licensed medical professionals, therapists, or other healthcare providers. Services are not a substitute for professional medical advice, diagnosis, or treatment.
• You agree to participate in our services at your own risk and to seek medical or professional advice where appropriate.
• We disclaim all liability for any injury, loss, or damage arising from the use of our services, courses, or Website.

4. Payments and Refunds

• Fees for services and products must be paid upfront as agreed.
• Payments are non-refundable, except as required by Australian consumer law.
• Refunds will not be granted for change of mind or failure to complete a purchased service or course.

5. Intellectual Property

• All content, including text, images, videos, and downloadable materials, is the property of Denise Jarvie and is protected by copyright laws.
• You may not reproduce, distribute, or share any content without prior written consent.

6. Confidentiality

• All information shared during services will be kept confidential.
• We reserve the right to disclose information as required by law or with your explicit consent.

7. Use of Website
You agree to:

• Use the Website and services for lawful purposes only.
• Refrain from interfering with the website’s operation or compromising its security.
  We reserve the right to terminate access to our website or services if these Terms are breached.

8. Liability

• We are not responsible for any loss or damage caused by technical issues, third-party interference, or unauthorised access to your information.
• Our liability is limited to the re-supply of services or refund as required under Australian consumer law.

9. Amendments to Terms
We reserve the right to modify these Terms at any time. Changes will take effect immediately upon posting to the Website.

10. Contact Information
For questions about these Terms, please email us at info@denisejarvie.com.