Own this

TERMS AND CONDITIONS

Last updated: 4 September 2026

These Terms and Conditions explain the rules that apply when you visit my websites, use a free resource or guided reflection, buy a digital product or programme, book coaching, or otherwise use a product or service provided through Marianne McCourt Coaching.

Please read them before using a website, app, product or service. By accessing or using one, you agree to these Terms. If you purchase something, you also agree to any product-specific information and conditions shown on the relevant sales or checkout page.

1. Who I am

Marianne McCourt Coaching is a business brand operated by Thriveology Paper Company Ltd (Company No. 16000352).

Products and services may include OWN THIS, Own Your Truth Quest, OWN IT, coaching, programmes, workshops, downloadable resources and other related content.

In these Terms, “I”, “me” and “my” refer to Thriveology Paper Company Ltd, operating Marianne McCourt Coaching. “You” means the person accessing or purchasing a website, product or service.

Questions can be sent to marianne@mariannemccourt.com.

2. Who may use my products and services

My websites, products and services are intended for people aged 18 or over. By using or purchasing them, you confirm that you are legally able to enter into an agreement.

If you purchase on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.

3. These Terms and product-specific information

These are the master Terms applying across my websites, free resources, digital products, programmes and coaching.

A sales page, checkout page, order confirmation or written proposal may contain additional terms for a particular purchase, including:

  • what is included;
  • the price and currency;
  • payment dates;
  • start and end dates;
  • the period of access;
  • live-call or coaching arrangements;
  • cancellation and rescheduling rules; and
  • any guarantee or additional refund provision I expressly choose to offer.

That product-specific information forms part of our agreement. If it clearly conflicts with these master Terms, the product-specific information will apply to that purchase, except where the law requires otherwise.

4. Free resources and website content

Free resources and website content are provided for personal information, education and reflection. I may update, replace or withdraw free material at any time.

Access to a free resource may require you to provide an email address. Where clearly explained at sign-up, you may also receive my newsletter and marketing emails. You can unsubscribe from marketing at any time.

A free resource is not promised to remain available indefinitely. You are responsible for downloading or retaining any copy offered to you if you want to keep it.

5. Orders and payment

An order is accepted when I or my payment provider confirms it, unless I tell you promptly that I cannot accept or fulfil it. I may refuse or cancel an order where there has been an obvious pricing or description error, suspected fraud, unlawful activity, technical failure or inability to provide the product or service. If I cancel an accepted order before providing it, I will refund the amount paid for the cancelled item.

Prices, currencies, taxes and payment options will be shown before purchase. You are responsible for providing accurate billing information and ensuring payment can be collected when due.

If a payment plan is offered, it normally divides the total purchase price into instalments; it is not a pay-as-you-go subscription unless the checkout expressly says otherwise. You remain responsible for the full agreed price even if you stop participating, subject to your statutory cancellation rights and any product-specific cancellation provision.

If a payment is overdue, I may pause access or delivery while I contact you and attempt to resolve it. Reasonable costs resulting from a failed or reversed payment may be charged where the law permits and the amount has been properly explained.

6. Digital content and immediate access

Digital content may include apps, guided reflections, recordings, PDFs, workbooks, prompts, written materials, online lessons and downloadable resources.

If you are a UK consumer, you will normally have a 14-day cancellation period for an online purchase. However, where you expressly request immediate access to digital content and acknowledge that your cancellation right will be lost once supply begins, access may begin immediately and that statutory cancellation right will then end.

The relevant checkout must obtain that express request and acknowledgement before immediate digital access is supplied. If it does not, your statutory rights remain unaffected.

Except where the law requires a remedy or a product-specific guarantee expressly applies, I do not offer refunds for a change of mind after digital content has been supplied.

If digital content is faulty, not as described or not supplied with reasonable care and skill, you may have statutory rights to repair, replacement, a price reduction or refund. Nothing in these Terms removes those rights.

Access period for the Own Your Truth Quest

Your purchase includes access to the Own Your Truth Quest app, guided audio and exercises for 12 months from the date of purchase. After this period, access may automatically end. Please download any completed materials you wish to keep before your access expires.

7. Coaching, programmes and other services

The description and scope of any coaching, programme, workshop or other service will be stated on the relevant sales page, checkout, booking page, proposal or confirmation.

If you are a UK consumer and buy a service online, you will normally have 14 days from entering the contract to cancel. If you expressly ask me to begin providing the service during that period and then cancel, you may be required to pay a proportionate amount for the service already provided. If the service is completed during that period after your express request and acknowledgement, the cancellation right may be lost.

After any applicable statutory cancellation period, payments are non-refundable unless the relevant offer expressly provides otherwise or the law requires a remedy.

Appointments, attendance, missed sessions and rescheduling are governed by the conditions shown for the particular service. Where no separate conditions are shown, please contact me as soon as possible if you cannot attend. I do not guarantee that a missed appointment can be replaced.

I will provide services with reasonable care and skill. You agree to participate respectfully, attend agreed sessions and take responsibility for your own choices, actions and results.

8. Coaching and educational disclaimer

My content, reflections, programmes and coaching are intended for education, personal development and reflection. They are not medical care, mental-health treatment, psychotherapy, diagnosis, legal advice, financial advice or another regulated professional service.

Nothing I provide should replace advice from an appropriately qualified professional. Do not delay seeking professional or emergency help because of something contained in my content or generated by one of my tools.

If you believe you or someone else is in immediate danger, contact the appropriate emergency service or crisis service where you are located.

9. Your decisions and results

Personal development involves individual judgement, effort and circumstances. I do not promise a particular personal, emotional, business, financial, health or other outcome.

Examples, testimonials and descriptions of other people’s experiences are illustrations, not guarantees that you will achieve the same result.

You remain responsible for deciding whether a suggestion is appropriate for you and for the choices and actions you take. I am not responsible for a decision made solely in reliance on general educational or reflective material.

10. AI-assisted reflections and voice transcription

Some tools use artificial intelligence and speech-to-text services. These currently include the Lovable AI Gateway, Google Gemini for written reflections and OpenAI for server voice transcription fallback.

AI-generated content can be inaccurate, incomplete or unsuitable. It is provided as a reflective aid and should not be treated as fact, professional advice, diagnosis or a decision made for you. Please review it critically and use your own judgement.

AI-generation and transcription features are subject to reasonable fair-use and usage limits. These may include limits per account, feature or time period and are used to prevent automated or excessive use, protect availability and control disproportionate processing costs. The applicable limits will be explained in the relevant product or tool. Reaching an AI-generation limit will not remove access to the underlying paid lessons, recordings, workbooks or answers already saved on your device.

I may take reasonable steps to prevent circumvention of those limits or suspend abusive automated use. I will not use a fair-use limit to materially remove the ordinary use of a paid product that was described when you purchased it.

Do not submit unlawful content or unnecessary information about another person. Details about processing and storage are provided in my Privacy Policy.

I may change the technology provider or model where reasonably necessary to maintain or improve a service. I will update the Privacy Policy where a change materially affects the handling of personal information.

11. Your answers and other material you submit

You retain ownership of original answers and other content you submit.

You give me and the service providers supporting the relevant feature a limited permission to process that content only as necessary to provide, secure and operate the feature you requested, comply with the law and enforce these Terms. This permission does not transfer ownership of your content to me.

You confirm that you have the right to submit the content and that doing so does not unlawfully infringe another person’s privacy, confidentiality, copyright or other rights.

12. My intellectual property

Unless stated otherwise, my websites, branding, writing, prompts, frameworks, workbooks, programmes, recordings, designs, downloads and other materials belong to me or are used under licence. They are protected by copyright and other intellectual-property laws.

When you receive access, I grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the material for your own private, non-commercial purposes.

You must not, without prior written permission:

  • copy, reproduce, publish or distribute a substantial part of the material;
  • share paid access, logins, downloads or programme materials with another person;
  • sell, sublicense or commercially exploit the material;
  • remove copyright or ownership notices;
  • use the material to create or train a competing product, service, dataset or AI system; or
  • present my content, prompts, frameworks or generated materials as your own work.

Short quotations may be used where permitted by law and properly attributed.

13. Acceptable use

You must not use my websites, apps, products or services to:

  • break the law or encourage unlawful activity;
  • harass, threaten, impersonate or harm another person;
  • introduce malware, malicious code or harmful material;
  • interfere with security, operation or another user’s access;
  • attempt unauthorised access to systems, accounts, data or source code;
  • scrape, extract or systematically collect content or data without permission;
  • overload, probe, reverse-engineer or misuse a service; or
  • infringe intellectual property, privacy, confidentiality or other legal rights.

I may suspend or end access where I reasonably believe these Terms have been materially breached, where necessary to protect people or systems, or where required by law. This does not affect rights and remedies already accrued.

14. Access, technology and third-party services

I aim to keep websites and digital services available, but I do not promise uninterrupted, error-free or permanent access. Maintenance, internet problems, supplier failures, security issues and events outside my reasonable control may affect availability.

You are responsible for a suitable device, browser, internet connection and any accessibility or compatibility requirements explained before purchase.

My services may use or link to third parties such as Lovable, Kit, Stripe, Calendly, Zoom, Substack, Google, OpenAI and other providers. Their own terms may apply when you use their platforms. I am not responsible for unrelated content or services controlled independently by a third party, but I remain responsible for my own legal obligations.

15. Changes to products and services

I may make reasonable changes to content, scheduling, technology, personnel or delivery where necessary to improve a service, maintain security, comply with law or respond to circumstances outside my control.

Any change will not materially reduce what you purchased without an appropriate remedy. If a material part of a paid service cannot be provided, I may offer a reasonable alternative, credit, price reduction or refund for the affected part as required by law.

16. Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your mandatory consumer rights.

If you are a consumer, I am responsible for loss or damage that is a foreseeable result of my breach of these Terms or failure to use reasonable care and skill. I am not responsible for loss that was not foreseeable, was caused by information or circumstances you failed to disclose, or resulted from your use of a product for an unlawful or clearly unintended purpose.

Products and services supplied to consumers are for personal use. I am not responsible for business losses such as lost profits, lost revenue, lost opportunities, interruption or loss of business data arising from consumer use.

If you purchase wholly or mainly for business purposes, then, to the fullest extent permitted by law, I will not be liable for indirect or consequential loss, lost profit, lost revenue, lost opportunity, loss of goodwill or loss of anticipated savings. My total liability arising from that purchase will not exceed the amount you paid for the product or service giving rise to the claim.

17. Events outside reasonable control

I am not responsible for delay or failure caused by events outside my reasonable control, including serious illness, bereavement, natural disasters, failures of utilities or internet infrastructure, cyber incidents, government action, industrial disputes or failure of a necessary third-party platform.

I will take reasonable steps to minimise disruption and communicate with affected customers. If a paid service cannot reasonably be resumed, your statutory rights remain unaffected.

18. Privacy

My Privacy Policy explains how personal information is collected, used, shared and protected. It forms part of the information governing your use of my websites, apps, products and services.

19. Ending access or our agreement

You may stop using a free resource at any time. Ending participation in a paid product does not automatically cancel payment obligations or create a refund right.

I may end an agreement or access if you materially breach these Terms and, where the breach can be corrected, fail to correct it within a reasonable time after being asked. I may act immediately where necessary for safety, security, unlawful behaviour, serious harassment, intellectual-property misuse or non-payment.

Where I end a paid service without your breach and cannot provide the remaining material or service, I will provide an appropriate remedy for the unprovided part.

Sections intended to continue after access ends—including payment obligations, intellectual property, confidentiality, disclaimers and liability provisions—will continue where applicable.

20. Changes to these Terms

I may update these Terms to reflect changes in my services, suppliers or legal obligations. The latest version will be posted with its effective date.

Changes will normally apply from publication. A material change will not retrospectively remove rights relating to an existing purchase. If a significant change affects an ongoing paid service, I will provide reasonable notice where appropriate.

21. Governing law and disputes

Please contact me first at marianne@mariannemccourt.com so that I have an opportunity to resolve a concern.

These Terms and any non-contractual dispute are governed by the laws of England and Wales. The courts of England and Wales will have jurisdiction, except that a consumer living elsewhere may retain the right to bring proceedings in their home courts where mandatory consumer law permits and continues to receive the protection of mandatory consumer laws that apply to them.

22. General provisions

If a court finds part of these Terms unlawful or unenforceable, the remaining provisions will continue in effect.

A delay in enforcing a right does not waive that right.

You may not transfer your rights or obligations under a paid agreement without my written consent. I may transfer my rights and obligations as part of a genuine sale, transfer or reorganisation of the business, provided this does not reduce your legal rights.

These Terms, the relevant product-specific information and the Privacy Policy contain the agreement between us concerning your use or purchase, except for anything the law does not permit us to exclude.

23. Contact

Marianne McCourt Coaching
Operated by Thriveology Paper Company Ltd (Company No. 16000352)
Email: marianne@mariannemccourt.com