Terms of Service
Please read these terms carefully before using our spiritual life coaching services.
Last Updated: November 29, 2025
These Terms of Service ("Terms") govern your use of Ricart Life Coaching's website and services. By accessing or using our services, you agree to be bound by these Terms.
1. Services Description
Ricart Life Coaching provides spiritual life coaching services, including but not limited to:
- One-on-one spiritual coaching sessions
- Group coaching programs
- Tarot reading services
- Emotional healing guidance
- Personal development resources
Important Disclaimer
Spiritual life coaching is not psychotherapy, medical treatment, or financial advice. Our services are not a substitute for professional medical, psychological, or financial advice. If you are experiencing severe emotional distress, mental health issues, or medical conditions, please seek help from licensed healthcare professionals.
2. Client Responsibilities
Your Commitment
As a client, you agree to:
- Provide accurate and complete information
- Attend scheduled sessions on time
- Complete agreed-upon exercises and reflections
- Communicate openly and honestly
- Take responsibility for your decisions and actions
- Provide 24-hour notice for cancellations
Code of Conduct
You agree to maintain respectful and appropriate behavior during all interactions. We reserve the right to terminate services if behavior is disruptive, abusive, or violates these terms.
3. Payment and Billing
Fees and Payment
All coaching services are provided at the rates listed on our website. Payment is due at the time of booking unless otherwise agreed in writing.
Cancellation Policy
We require 24 hours notice for session cancellations. Cancellations with less than 24 hours notice may be subject to full payment of the session fee.
Refund Policy
Single sessions are non-refundable once conducted. Package sessions may be refunded on a pro-rated basis for unused sessions, minus a 10% administrative fee. Refund requests must be made in writing within 14 days of purchase.
4. Intellectual Property
All content on our website, including text, graphics, logos, and coaching materials, is the property of Ricart Life Coaching and protected by copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Client-Generated Content
You retain ownership of any personal content you create during coaching. However, by participating in group sessions or providing testimonials, you grant us permission to use anonymized insights and feedback for educational and promotional purposes.
5. Limitation of Liability
To the fullest extent permitted by law, Ricart Life Coaching shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the services
- Any conduct or content of any third party on the services
- Any content obtained from the services
- Unauthorized access, use, or alteration of your transmissions or content
6. Disclaimers
No Guarantees
While we are committed to providing quality coaching services, we cannot guarantee specific results or outcomes. Your success depends on many factors, including your commitment, participation, and individual circumstances.
Spiritual Services Disclaimer
Tarot readings and spiritual guidance are provided for entertainment and personal growth purposes only. They should not be used as a substitute for professional advice. All readings are subject to your interpretation.
7. Confidentiality
We maintain strict confidentiality of all client information, with the following exceptions:
- If we believe there is risk of harm to yourself or others
- If required by law or court order
- In cases of suspected abuse or neglect of children or vulnerable adults
While we use secure platforms for virtual sessions, we cannot guarantee the absolute security of electronic communications.
8. Termination
Either party may terminate the coaching relationship at any time with written notice. Upon termination, any outstanding payments become immediately due. We reserve the right to refuse service to anyone for any reason at any time.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.
10. Changes to Terms
We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new Terms of Service on this page. Your continued use of our services after any changes constitutes acceptance of the new terms.
11. Contact Information
Ricart Life Coaching
Email: info@rubenricart.com
Phone: 347-932-9168