These Terms and Conditions govern the purchase and use of all online courses, digital products, coaching services and 1 to 1 mentoring sessions provided by Jo Macfarlane  - trading as Jo Macfarlane - via www.jomacfarlane.com.

By purchasing any course, digital product, coaching programme or mentoring session, you agree to be legally bound by these Terms and Conditions.

If you do not agree, you must not proceed with your purchase.

All courses and digital products are delivered electronically and provide immediate access to proprietary educational materials, including but not limited to:

• Video training
   
• Downloadable resources
   
• Templates and worksheets
   
• Frameworks and methodologies
   

Upon purchase, you are granted a non transferable, non exclusive licence for personal use only.

Access may not be shared, transferred or resold.

Coaching and mentoring services are delivered via online platforms or agreed communication methods.

By booking coaching or mentoring, you acknowledge and agree that:

• Sessions are educational and strategic in nature
   
• Advice is based on professional experience but does not constitute legal, financial or accounting advice
   
• You are solely responsible for implementing advice and for all resulting business decisions
   

Sessions must be attended at the agreed time.

Where 24 hours notice is not provided for cancellation or rescheduling, the session may be forfeited without refund.

Whilst every effort is made to support your success, no guarantees are made regarding:

• Revenue generation
   
• Business growth
   
• Sales performance
   
• Media coverage
   
• Profitability
   

Outcomes depend on individual effort, experience, market conditions and implementation.

Due to the digital nature of the courses and the immediate access provided upon purchase, all sales are final.

No refunds, cancellations or exchanges will be provided under any circumstances once:

• Course access has been granted
   
• Digital materials have been delivered
   
• Coaching or mentoring sessions have been booked or delivered
   

By completing your purchase, you expressly acknowledge and agree that:

• You are purchasing digital content and or professional time
   
• You will receive immediate access to proprietary materials
   
• You waive any statutory cooling off period to the extent permitted by law
   
• You understand and accept that no refunds will be issued
   

All content remains the exclusive intellectual property of Jo Macfarlane Ltd, including but not limited to:

• Course materials
   
• Videos and recordings
   
• Branding
   
• Written content
   
• Frameworks and business models
   

You may not:

• Share login details
   
• Copy, reproduce or distribute materials
   
• Record coaching sessions without written consent
   
• Resell or repurpose content
   
• Use materials for commercial teaching purposes
   

Unauthorised use may result in termination of access and legal action.

Jo Macfarlane Ltd is committed to protecting your personal data and complying with the UK General Data Protection Regulation and the Data Protection Act 2018.

Personal information collected may include:

• Name
   
• Email address
   
• Billing details
   
• Business information
   
• Communication records
   

Data is collected for the purpose of:

• Processing purchases
   
• Delivering courses and services
   
• Communicating relevant updates
   
• Providing customer support
   
• Legal and accounting obligations
   

Personal data is processed on the basis of:

• Contractual necessity
   
• Legitimate business interests
   
• Legal compliance
   
• Consent where applicable
   

Reasonable technical and organisational measures are taken to safeguard personal data against unauthorised access, loss or misuse.

Personal data will not be sold or shared with third parties except where necessary for:

• Payment processing
   
• Course hosting platforms
   
• Legal or regulatory requirements
   

Under GDPR, you have the right to:

• Request access to your personal data
   
• Request correction of inaccurate data
   
• Request erasure where applicable
   
• Restrict or object to processing
   
• Request data portability
   

Requests must be made in writing via the contact details provided on the website.

To the fullest extent permitted by law, Jo Macfarlane  shall not be liable for any indirect, incidental or consequential losses arising from participation in courses, coaching or mentoring.

Liability shall be limited to the amount paid for the specific product or service.

Nothing in these Terms excludes liability for fraud or any liability that cannot be excluded under UK law.

Access to courses is provided as outlined on the sales page at the time of purchase.

Access may be suspended or terminated without refund if:

• These Terms are breached
   
• Intellectual property is misused
   
• Conduct is deemed abusive or inappropriate
   

These Terms and Conditions shall be governed by and construed in accordance with the laws of Scotland and the United Kingdom.