TERMS & CONDITIONS (Nicole Gaviria Therapy LLC)

1. Introduction
   Welcome to Nicole Gaviria Therapy LLC ("Company," "we," "our," "us"). These Terms & Conditions ("Terms") outline the agreement between you ("client," "you," "your") and Nicole Gaviria Therapy LLC for services including therapy, coaching, digital products, and online courses.
   By purchasing or using our services, you agree to these Terms.
   For any questions, contact us at hello@nicolegaviriatherapy.co.nz.
2. Services Offered
   We provide:

• One-on-One Therapy (prepaid or payment plans available)
• Online Group Coaching Programs (live and recorded)
• Digital Products & Online Courses (self-paced learning with lifetime access unless otherwise stated)
• Educational Workshops & Resources

3. Client Responsibilities

For One-on-One Therapy & Coaching Clients:

• Payments must be made in advance via Stripe or bank transfer (NZ clients only).
• 24-hour notice is required for cancellations. Late cancellations or no-shows will be charged at the full session rate.
• Sessions can be rescheduled if notice is given in advance, but frequent rescheduling may result in session forfeiture.

For Online Courses & Group Coaching Clients:

• Participation is at your discretion, but results depend on your level of engagement.
• Group spaces must remain safe and respectful. Any harassment, bullying, or inappropriate behavior will result in immediate removal with no refund.
• You agree to respect confidentiality and not share sensitive group discussions.

4. Confidentiality & Privacy
   We follow HIPAA & New Zealand privacy laws to protect your confidentiality.
   Any information shared during private therapy or group coaching is confidential except when disclosure is required by law (e.g., harm to self or others).
   Your personal and payment information is securely processed via Stripe.
5. Intellectual Property Protection
   All content, including videos, PDFs, worksheets, and resources, is owned by Nicole Gaviria Therapy LLC. You may not copy, distribute, or resell any materials. Violation of this policy may result in termination of access and legal action.
6. Refund & Cancellation Policy
   For One-on-One Therapy Support Packages:
   If after the first session either party feels the therapeutic relationship is not a good fit, a refund will be issued for the remaining sessions in the package. After the first session, no further refunds are available. Sessions must be used within 12 weeks of purchase. Missed sessions without 24-hour notice will be charged in full.

For Nic In Your Pocket Messaging Support:
This is not therapy but a messaging-based support option. You’ll receive direct voice and text message access to Nicole via a secure app. Nicole will reply a few times per week with personalised support. Refunds are not available once access has been granted. This support lasts for 8 weeks from date of activation.

For Online Courses & Digital Products:
For The Break Up program, we offer a 14-day no-questions-asked refund. If the course isn’t what you expected, just email us within 14 days of purchase for a full refund. After 14 days, no refunds are available.

For Group Coaching Programs:
No refunds once the program begins.
Failure to attend live sessions does not qualify for a refund.
Violating group agreements (e.g., unsafe behaviour) may result in termination with no refund.

7. Liability Disclaimer
   Our services do not replace medical treatment.
   You understand that therapy, coaching, and educational resources are voluntary.
   We are not liable for direct or indirect consequences of participation.
8. Termination Policy
   We reserve the right to terminate access to:

• Therapy, coaching, or courses for non-payment, violation of terms, or inappropriate behavior.
• Clients removed due to behavioural violations will not receive a refund.
  For questions, contact: hello@nicolegaviriatherapy.co.nz.

BILLING AGREEMENT

1. Payment Structure
   Payments for therapy sessions, coaching, and digital courses must be made in full upfront or via a payment plan.
   All payment plans must be completed in full, even if you discontinue participation.
   Accepted Payment Methods: Stripe, bank transfer (NZ clients only).
2. Late Payments
   A $15 NZD late fee applies for payments overdue by 7 days.
   If a payment is 14+ days overdue, access to services may be suspended.
   Accounts unpaid for 30+ days may be sent to collections.
3. Chargebacks & Dispute Resolution
   If a chargeback is filed without first contacting us, access to all services will be revoked. If you believe a charge is incorrect, please contact us at hello@nicolegaviriatherapy.co.nz within 7 days of the transaction.
   Fraudulent chargebacks will be contested through Stripe.
4. Refund Policy for Digital Products & Courses

For One-on-One Therapy Support Packages:
If after the first session either party feels the therapeutic relationship is not a good fit, a refund will be issued for the remaining sessions in the package. After the first session, no further refunds are available. Sessions must be used within 12 weeks of purchase. Missed sessions without 24-hour notice will be charged in full.

For Nic In Your Pocket Messaging Support:
This is not therapy but a messaging-based support option. You’ll receive direct voice and text message access to Nicole via a secure app. Nicole will reply a few times per week with personalised support. Refunds are not available once access has been granted. This support lasts for 8 weeks from date of activation.

For Online Courses & Digital Products:
For The Break Up program, we offer a 14-day no-questions-asked refund. If the course isn’t what you expected, just email us within 14 days of purchase for a full refund. After 14 days, no refunds are available.

For Group Coaching Programs:
No refunds once the program begins.
Failure to attend live sessions does not qualify for a refund.
Violating group agreements (e.g., unsafe behaviour) may result in termination with no refund.

5. Subscription & Payment Plan Agreement
   If you enroll in a payment plan, you agree to complete all installments.
   Missed payments will result in suspended access until payment is caught up.
   Payment plans cannot be canceled after the first payment.
6. Modifications to Terms
   We reserve the right to update these Terms & Billing Policies at any time. By continuing to use our services, you agree to the latest version of these Terms.
   For questions, contact: hello@nicolegaviriatherapy.co.nz.