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 & Coaching:

No refunds for missed sessions unless canceled at least 24 hours in advance.
Rescheduling is allowed for illness, but repeated cancellations may result in session forfeiture.

For Online Courses & Digital Products:

No refunds once access has been granted.
If you experience technical issues, we will assist in resolving them.
As per NZ consumer law, refunds may only be granted in cases of faulty or misrepresented content.

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 behavior) 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 behavioral 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

No refunds once a course or digital product has been accessed.
If required by NZ law, refunds may only be issued if the product is faulty or not as described.

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