Career Coaching, Courses & Educational Services Disclaimer

Harmony Marketing LLC (“Harmony Marketing”) provides career coaching, personal branding guidance, educational courses, exercises, frameworks and related resources for informational, educational and personal development purposes only.

The Alignment Method™ and all Harmony Marketing coaching services are designed to encourage self-reflection, career clarity and authenticity-aligned action. Any insights, observations, suggestions, strategies, exercises or recommendations provided through Harmony Marketing are intended to support the Client’s own decision-making process and should not be interpreted as instructions, guarantees or representations regarding any particular career, employment, business, financial or personal outcome.

Client Responsibility and Assumption of Risk

The Client acknowledges and agrees that all career, employment, business, financial and personal decisions remain solely the Client’s responsibility. This includes, without limitation, decisions to accept, decline or leave employment; change careers or industries; pursue or decline professional opportunities; negotiate compensation; relocate; start, operate, modify or close a business; make financial commitments or investments; hire professionals or service providers; or otherwise act or refrain from acting based upon information discussed or presented through Harmony Marketing’s courses, coaching sessions or materials.

The Client understands that career and business decisions inherently involve uncertainty and risk. By purchasing or participating in Harmony Marketing’s services, the Client voluntarily assumes responsibility for evaluating those risks and for the consequences of their decisions and actions.

No Guarantee of Results

Harmony Marketing makes no representation, warranty or guarantee, express or implied, regarding results that may arise from its courses, coaching, strategies, recommendations or other services. Individual outcomes vary and depend upon numerous factors outside Harmony Marketing’s control, including the Client’s decisions, actions, circumstances, experience, market conditions, economic conditions and third-party decisions.

Past results, examples, testimonials, case studies or hypothetical scenarios do not constitute a promise or guarantee of future results.

Refunds, Rescheduling & Package Expiration

All purchases are final and non-refundable, except in the case of an accidental purchase. A request for a refund due to an accidental purchase must be submitted in writing within forty-eight (48) hours of purchase and will only be considered if the Client has not accessed, downloaded, viewed or begun any purchased digital course or materials; scheduled or participated in a coaching session; redeemed any portion of a coaching package; or otherwise received, accessed or used any portion of the purchased services.

Once any course, digital material, coaching session, coaching package or other purchased product or service has been accessed, downloaded, viewed, scheduled, redeemed, commenced or otherwise used, the purchase is non-refundable. Purchasing or scheduling a coaching session constitutes a commitment to the service and does not create a right to a refund if the Client subsequently decides not to attend or wishes to cancel the appointment.

The twenty-four (24) hour rescheduling policy described below applies only to changing the date or time of a scheduled coaching session. It does not create or imply any right to cancel a purchase, receive a refund, receive cash back or receive a credit in place of the purchased service.

Clients may reschedule a coaching appointment without penalty when the rescheduling request is made at least twenty-four (24) hours before the scheduled appointment time. The Client's payment or package credit will transfer to the rescheduled appointment; no refund will be issued.

If a Client does not attend a scheduled appointment, or requests to cancel or reschedule less than twenty-four (24) hours before the scheduled appointment time, the appointment will be considered used. For a coaching package, one session will be deducted from the Client's remaining package balance. For an individually purchased coaching session, the payment will be forfeited and will not be refunded or credited toward another appointment.

Unused or partially used coaching packages are non-refundable, non-transferable and have no cash value.

The 3-Session Career Alignment Package expires ninety (90) days from the date of purchase. Any sessions remaining after the expiration date will be forfeited and are not eligible for a refund, credit, extension or cash value, except where otherwise required by applicable law.

The 6-Session Career Alignment Package expires one hundred eighty (180) days from the date of purchase. Any sessions remaining after the expiration date will be forfeited and are not eligible for a refund, credit, extension or cash value, except where otherwise required by applicable law.

Any refund approved for a qualifying accidental purchase will be returned to the original method of payment. Harmony Marketing LLC reserves the right to determine whether a refund request satisfies the requirements of this policy, subject to any non-waivable consumer rights or other protections available under applicable law.

No Professional Advice

Harmony Marketing provides coaching, consulting and educational services and does not provide psychotherapy, mental-health treatment, medical advice, legal advice, accounting advice, tax advice, investment advice or other regulated professional services. Clients should consult appropriately qualified professionals regarding matters requiring specialized professional advice.

Privacy, Data Collection & Marketing Communications

Harmony Marketing LLC (“Harmony Marketing”) collects, uses and processes certain personal information in order to operate its website, provide courses, coaching services and educational materials, process purchases, manage client relationships, deliver communications, improve services and comply with legal, tax, accounting and business obligations.

Personal information collected may include, without limitation, a Client’s name, email address, billing information, purchase history, course enrollment details, course progress, coaching package details, scheduling information, intake form responses, communications with Harmony Marketing, marketing preferences, website usage data, device/browser information, IP address, cookie identifiers and other information voluntarily submitted through the website, checkout, scheduling system, email forms, course platform, surveys or other communication channels.

Payment information is processed through third-party payment processors, including Stripe or any other payment processor used by Harmony Marketing from time to time. Harmony Marketing does not intentionally store full payment card numbers on its own systems. Payment processors may collect and process payment information in accordance with their own terms, privacy policies and security practices.

Harmony Marketing may use personal information for the following purposes:

• to provide access to purchased courses, digital materials, coaching sessions, packages, subscriptions and related services;

• to process payments, refunds, receipts, invoices and purchase confirmations;

• to manage Client accounts, course access, scheduling, reminders, customer support and service communications;

• to personalize or improve website content, course offerings, communications and client experience;

• to understand how visitors and Clients interact with Harmony Marketing’s website, emails, courses and services;

• to send newsletters, updates, educational content, promotional offers, event announcements, course information or other marketing communications where permitted by law or where the Client has opted in;

• to measure the effectiveness of marketing, advertising, website content, emails and campaigns;

• to prevent fraud, abuse, unauthorized access, chargebacks or misuse of Harmony Marketing’s services;

• to comply with applicable legal, tax, accounting, regulatory, contractual and recordkeeping obligations.

Harmony Marketing may use cookies, analytics tools, tracking technologies, advertising pixels or similar technologies to understand website traffic, improve user experience, remember preferences, measure campaign performance, deliver relevant content and, where applicable, support advertising or retargeting. Visitors may be able to manage cookie preferences through the website cookie banner, browser settings or other available opt-out tools. Some website features may not function properly if certain cookies are disabled.

Harmony Marketing may use contact information and information about a Client’s purchases, interests, course activity, website activity or prior interactions to send relevant educational, promotional or marketing communications. Clients may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email or by contacting Harmony Marketing directly. Unsubscribing from marketing emails does not prevent Harmony Marketing from sending transactional or service-related communications, such as purchase confirmations, course access information, scheduling notices, account updates, payment notices, legal notices or other communications necessary to provide purchased services.

Harmony Marketing does not intend to send deceptive or misleading marketing communications. Any examples, testimonials, case studies, client stories, reviews, social media content, promotional materials or advertising statements are provided for general informational and marketing purposes only and do not guarantee that any Client will achieve the same or similar results. If Harmony Marketing uses paid endorsements, affiliate relationships, sponsored content, referral partnerships or other material marketing relationships, Harmony Marketing will disclose such relationships where required by applicable law.

Harmony Marketing may share personal information with trusted third-party service providers only as reasonably necessary to operate the business and provide services. These may include website hosting platforms, course platforms, payment processors, scheduling tools, email marketing providers, analytics providers, advertising platforms, customer support tools, accountants, legal advisors, contractors and other professional service providers. These third parties may process personal information on Harmony Marketing’s behalf or in accordance with their own applicable terms and privacy policies.

Harmony Marketing does not knowingly sell personal information for money. If Harmony Marketing uses advertising, analytics or tracking tools that may be considered a “sale,” “sharing” or “targeted advertising” under certain privacy laws, eligible users may have the right to opt out of such activity as required by applicable law.

Depending on a Client’s place of residence and applicable law, the Client may have rights regarding their personal information, which may include the right to request access, correction, deletion, restriction, portability, withdrawal of consent, objection to direct marketing, objection to certain processing, or opting out of the sale, sharing or targeted advertising of personal information. These rights may be subject to legal limitations, identity verification requirements, recordkeeping obligations and other exceptions under applicable law.

Harmony Marketing may retain personal information for as long as reasonably necessary to provide services, manage the Client relationship, maintain business records, resolve disputes, comply with legal, tax, accounting and regulatory obligations, enforce agreements and protect legitimate business interests.

Because Harmony Marketing may use service providers located in different countries, personal information may be processed or transferred outside the Client’s country, state, province or region of residence. Harmony Marketing will take reasonable steps intended to protect personal information in accordance with applicable legal requirements.

Harmony Marketing uses reasonable administrative, technical and organizational measures intended to protect personal information. However, no website, platform, payment system, email system or method of electronic storage or transmission is completely secure, and Harmony Marketing cannot guarantee absolute security.

Harmony Marketing’s website, courses, coaching services and educational materials are intended for adults and are not directed to children. Harmony Marketing does not knowingly collect personal information from children under the age of thirteen (13). If Harmony Marketing becomes aware that it has collected personal information from a child under thirteen (13), it will take reasonable steps to delete such information, unless retention is required by law.

To make a privacy-related request, update marketing preferences, unsubscribe from marketing communications or ask questions about data collection and use, Clients may contact Harmony Marketing at: meg@harmonymktg.com.

These privacy and marketing disclosures are intended to supplement, not replace, Harmony Marketing’s separate Privacy Policy, Cookie Policy or other legally required notices. In the event of a conflict between these Terms and any separate Privacy Policy, the Privacy Policy will control with respect to the collection, use and processing of personal information.

Limitation of Liability

To the fullest extent permitted by applicable law, Harmony Marketing LLC, its owner, employees, contractors, representatives and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary or other damages, losses, costs or claims arising from or relating to the Client’s participation in, reliance upon, interpretation of or actions taken or not taken in connection with Harmony Marketing’s courses, coaching services, materials, exercises, recommendations or communications.

This includes, without limitation, loss of income, wages, employment, employment opportunities, business opportunities, clients, revenue, profits, investments, savings, benefits, contracts, reputation or other economic or non-economic losses resulting from decisions made by the Client.

To the fullest extent permitted by applicable law, should Harmony Marketing nevertheless be found liable for any claim arising from the Client’s purchase or use of its services, Harmony Marketing’s aggregate liability shall not exceed the amount actually paid by the Client to Harmony Marketing for the specific product or service giving rise to the claim.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law.

Acknowledgment

By purchasing, accessing or participating in a Harmony Marketing course, coaching session or package, the Client acknowledges that they have read and understood these terms, understand the nature and limitations of the services being provided, voluntarily assume responsibility for their own decisions and actions, and agree that Harmony Marketing is providing guidance and educational support rather than determining or controlling the Client’s career, business, financial or personal decisions.