TERMS & CONDITIONS
1. Purchases and pricing
1.1 All prices are as displayed at checkout. The price you agree to at checkout is the full price of the product, programme or course ("the Programme"), whether paid upfront or by instalments.
1.2 Your place on a Programme is confirmed only once payment (or the first instalment) has been received.
2. Payment plans
2.1 Where a payment plan is offered, it is a convenience allowing you to spread the cost of the full Programme price. It is not a subscription or membership. You are purchasing the whole Programme, and the full price is owed from the point of purchase.
2.2 A payment plan cannot be cancelled, paused or reduced. Stopping payments does not cancel the amount owed. Non-attendance, non-participation or non-completion of the Programme does not reduce or cancel the amount owed.
2.3 All monthly instalments are collected automatically on the same date of your first payment, using the payment method you provide. You are responsible for keeping your payment details up to date and ensuring funds are available on each collection date.
2.4 Payment plans are offered interest-free and without charges, provided payments are made on time in accordance with these terms.
3. Failed and missed payments
3.1 If an instalment fails, our payment processor will automatically retry collection over the following days. Your access continues during this period.
3.2 If payment has not been collected within 7 days of the original failure, your access to the Programme and all associated materials, sessions and communities will be suspended until your account is brought fully up to date. Access will be restored promptly once payment clears.
3.3 If your account has not been brought up to date within 7 days of written notice from us (email being sufficient), you will lose the right to pay by instalments and the full remaining balance of the Programme price will become immediately due and payable in full.
3.4 Where payments have failed repeatedly, we reserve the right to withdraw the courtesy of a further 7-day notice period, in which case any subsequent failed instalment will cause the full remaining balance to become immediately due and payable. We will tell you in writing if this applies to your account.
3.5 If the balance remains unpaid after it has become due in full, we may refer the debt to a third-party debt recovery agency and/or pursue recovery through the courts. You will be liable for our reasonable costs of recovery, including agency fees, court fees and legal costs, to the extent permitted by law.
3.6 If you are experiencing genuine financial hardship, contact team@fionamccoss.com as early as possible. We will always consider reasonable arrangements, but any variation to a payment plan must be agreed by us in writing to be effective.
4. Refunds, cancellation and cooling-off
4.1 Except as set out in this section, all sales are final and no refunds or exchanges are given.
4.2 UK and EU consumers – 14-day cooling-off right. If you are a consumer in the UK or EU, you have a legal right to cancel a distance purchase within 14 days of purchase and receive a refund, subject to the following:
(a) Digital content (online course materials). By requesting immediate access to online content at checkout, you expressly consent to the content being supplied within the cooling-off period and acknowledge that you lose your right to cancel once access begins.
(b) Services and live programmes. If you cancel within the 14-day period after live delivery to you has begun (with your agreement), you will be refunded less a proportionate amount for what has been delivered up to the point of cancellation.
(c) To cancel under this section, email team@fionamccoss.com within the 14-day period stating clearly that you wish to cancel.
4.3 After the cooling-off period has expired, or where it has been waived under 4.2(a), no refunds are given and the full Programme price remains payable, including under any payment plan.
4.4 Nothing in these terms affects your statutory rights, including rights relating to services not performed with reasonable care and skill.
5. Intellectual property
5.1 All materials, products, programmes, courses, recordings and content created or provided by Fiona McCoss Ltd are protected by copyright and other intellectual property rights and remain the property of Fiona McCoss Ltd.
5.2 Your purchase grants you a personal, non-transferable licence to access the materials for your own use. You may not share, resell, reproduce, record, teach from or distribute any materials without our prior written permission. Login credentials are for your sole use; sharing access is a breach of these terms and may result in access being withdrawn without refund.
6. Your responsibility and results
6.1 You are responsible for your own participation, engagement and outcomes. We make no guarantees of any particular result, financial or otherwise, from any Programme.
6.2 Attendance at live sessions and events is your responsibility. Missed sessions, events or components are forfeited and are not refunded, rescheduled or credited unless we agree otherwise in writing.
7. Health and liability
7.1 Programmes may include somatic, movement or embodiment practices. You are responsible for assessing your own physical and mental fitness to participate, and should consult a medical professional before taking part if you have any concerns. Our programmes are not a substitute for medical or psychological treatment.
7.2 Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for any other liability that cannot be excluded by law.
7.3 Subject to 7.2, our total liability to you in connection with any Programme is limited to the price you paid for it, and we are not liable for indirect or consequential losses.
8. General
8.1 We may update these terms from time to time. The version in force at the time of your purchase applies to that purchase.
8.2 If any part of these terms is found to be unenforceable, the remainder continues in full force.
8.3 These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction, except that if you are a consumer resident in the EU or elsewhere you retain the benefit of any mandatory consumer protections, and any right to bring proceedings in the courts, of the country in which you live.
8.4 Questions about these terms: team@fionamccoss.com.