Coaching & Mentoring Terms and Conditions

Version: January 2026

1. Who you are contracting with

Your coaching provider is Karen Hutchinson, trading as Karen Hutchinson LIVE, with its business address at Alcazaba Hills, Casares, Spain, and contact email [email protected] (“we”, “us” or “Karen Hutchinson LIVE”). Your coach is Karen Hutchinson unless your booking specifies otherwise.

2. Your booking and agreement

These terms apply to single coaching sessions, fixed coaching or mentoring packages, and ongoing coaching arrangements. They do not cover retreats, standalone memberships or self-study purchases unless expressly incorporated into the relevant offer. Different products remain separate contracts unless your booking expressly combines them.

Before payment, your offer and booking summary will state the services, session number and duration, delivery format, start and end dates, booking arrangements, included support and resources, total price including applicable taxes, payment schedule, and any renewal arrangements. Any expiry or minimum commitment must be clearly disclosed before you buy.

Your contract begins when we accept your booking and send confirmation. We will send you a copy of these terms and your booking summary by email or another format you can retain. Clearly agreed individual arrangements apply alongside these terms; mandatory legal rights always take priority.

3. The coaching relationship

Coaching is a collaborative process intended to support reflection, self-connection, discernment and purposeful action. You choose what to share, the practices you participate in and the decisions you make. You may decline or stop an exercise at any time.

We will provide the agreed services with reasonable care and skill. We do not promise a particular personal, health, financial or business outcome. Coaching is not a substitute for medical treatment, psychotherapy, crisis support, or regulated legal or financial advice. Business decisions remain yours, and specialist advice should be sought where appropriate.

Please let us know about access needs or circumstances relevant to safe participation. We will discuss reasonable adjustments and, where the service is unsuitable, appropriate alternatives or referral.

4. Fixed packages and instalments

A fixed package is purchased for the total price shown before checkout. Instalments spread that price over the agreed payment schedule; they do not turn the package into a cancel-anytime monthly subscription or a series of separate session purchases. The total instalment price and any difference from the upfront price will be disclosed before purchase.

Subject to your cancellation rights and the fair settlement provisions below, you remain responsible for the agreed package price even if you choose not to attend or participate. Sessions, included support and resources form the agreed offer; a payment is not necessarily the price of one session.

We will not charge twice for the same service or impose automatic early-termination penalties. If you end the agreement early, any payment or refund will be assessed under section 7. Unfair or unlawful payment obligations are not imposed by these terms.

5. Minimum commitments and continuation

Where a coaching offer has a minimum commitment, such as three months, or a fixed package period, its length, total price, session schedule and payment arrangements will be stated in the offer and booking summary before purchase. The commitment applies to that offer only; there is no universal three-month minimum for all coaching.

Paying upfront or by instalments does not change the agreed coaching period or session schedule. For example, an offer providing one session per month over three months includes three sessions delivered over those three months, even when the full price is paid upfront. Early termination is handled under section 7, subject to statutory rights.

A fixed package ends at its agreed end date unless you agree to further coaching. Monthly continuation applies only where expressly agreed before purchase. For an agreed ongoing arrangement, email us at least seven calendar days before the next billing date to end at the close of the minimum term or a later paid month. We will confirm your final payment and access dates. Mandatory legal rights take priority.

6. Consumer cooling-off rights

For consumer contracts made online, by telephone or otherwise at a distance, you normally have 14 calendar days from contract formation to cancel without giving a reason. Longer legal periods apply where required. Email us a clear cancellation statement; the optional form at the end may also be used.

If you expressly request coaching to start during this period, you may owe only a lawful, proportionate amount for services provided before cancellation, after receiving the required information. One session does not remove cancellation rights for an unfinished package. Those rights end on full performance only with the required prior express consent and acknowledgement.

We refund amounts legally due within 14 calendar days of cancellation notice, using the original payment method unless agreed otherwise, without a refund fee or deduction for payment-processing charges.

Where identifiable paid digital content is included, immediate supply and loss of its withdrawal right require separate express consent, acknowledgement and confirmation. This does not remove rights over undelivered coaching.

SUNPTUOUS™ | Coaching Terms | 7 October 2026 

7. Ending a package and requesting a refund

Outside any statutory cooling-off period, a change of mind does not automatically entitle you to a full refund of a fixed package. Please contact us promptly if you wish to end your coaching. We will confirm what has been delivered, whether a pause or transfer of dates is appropriate, and the financial settlement in writing.

Any retained or outstanding amount must be lawful, fair and proportionate. We may account for services already delivered at the agreed package allocation and reasonable, evidenced net loss caused by cancellation, after deducting costs saved and replacement bookings. We will not automatically retain the full price for undelivered work, reprice completed sessions at an undisclosed higher rate, or add a flat administration penalty.

Where the package contains separately priced coaching, resources or support, the allocations must be disclosed before purchase. We will explain any calculation and refund any balance due. Outside statutory withdrawals, agreed refunds will normally be initiated within 10 business days, or sooner where the law requires.

Where a discretionary refund is agreed, SUNPTUOUS™ will deduct the actual, non-refundable payment-processing charges incurred, where legally permitted and disclosed before purchase. The deduction will be itemised and will not be recovered twice. No processing charges will be deducted from refunds required by law where such deductions are prohibited. Your rights where we fail to provide the agreed service remain unaffected.

8. Booking, rescheduling and missed sessions

Sessions are booked by mutual agreement through the booking method provided. For monthly allocations, please book within the relevant month. The booking summary must state the final use-by date and whether a session can carry forward; no undisclosed expiry applies.

Please give at least 24 hours’ notice to reschedule. With sufficient notice, we will arrange an alternative appointment within your agreed package period, subject to reasonable availability. Rescheduling does not by itself extend a package, but we may agree an extension in writing.

With less than 24 hours’ notice, or if you do not attend, the session may count as used where the appointment was reserved and could not reasonably be filled. Any charge or deduction will be proportionate to our actual loss, taking account of costs saved or replacement bookings. We will consider emergencies and exceptional circumstances fairly. There is no additional charge on top of a session already paid for.

If you arrive late, the session will normally end at its scheduled time. If we are late, we will make up the time or offer a suitable adjustment. Your statutory cancellation rights take priority over appointment cancellation rules.

9. Unused sessions and pauses

Sessions that you choose not to book do not automatically create a refund entitlement. We will provide reasonable booking opportunities and remind you before a disclosed expiry. If an unused-session dispute arises, any retained payment will be assessed fairly under section 7 rather than automatically forfeited.

Illness, bereavement or significant changes in circumstances may justify a pause or extension. Please contact us before the end date where possible. Any revised schedule, payment arrangements and access dates will be confirmed in writing. Sessions are personal to you and may only be transferred with our written agreement.

10. If we cancel, cannot deliver or a payment fails

If we cancel an appointment, you may choose a suitable replacement or a refund of the affected session’s agreed package value. A cancellation by us does not count as a session you have used. Where necessary, the package period will be extended to allow delivery.

If we cannot provide a material part of your package within a reasonable time, we will discuss alternatives with you. You may reject a materially different replacement and receive the refund legally due for undelivered services. No substitute coach will be imposed without your agreement.

If a payment fails, we will contact you and normally allow seven calendar days to resolve it before suspending future services. Any suspension will be proportionate; we will not apply an undisclosed late fee or create an unfair expiry while preventing bookings. Payment difficulties should be raised promptly so we can discuss arrangements.

11. Included support and digital access

Only the sessions, support and resources described in your offer and booking summary are included. The frequency and duration of sessions, any between-session contact, support channels, availability and response expectations will be stated before purchase. Coaching does not automatically include unlimited messaging or urgent support.

Digital resources and recordings are available for the period stated before purchase. Technical requirements and material restrictions will be disclosed. If we end access because a contract has lawfully ended, we will explain the date and any options to retain permitted personal copies.

12. Confidentiality, recordings and personal information

We treat your coaching discussions as confidential, except with your consent or where disclosure is required by law or necessary to address a serious risk of harm. We will limit any disclosure to what is necessary. In group settings, participants must respect one another’s privacy; we cannot guarantee another participant’s conduct.

We will not record a session without your informed agreement. Before any recording, we will explain its purpose, access, storage, retention and available alternatives. Your session, story, name or testimonial will not be used for marketing without separate permission. You must obtain consent before making your own recording.

Personal information is handled in accordance with our Privacy Notice at [link]. That notice explains the data controller, purposes and legal bases, service providers, international transfers where relevant, retention, your rights and how to raise a privacy concern.

13. Ownership and respectful participation

SUNPTUOUS materials, worksheets, audio, video and methods remain the intellectual property of their respective owners. You receive a personal, non-transferable licence for your own learning or internal business use as described in your offer. You may not redistribute, resell, publish or use them to train others without written permission. You retain ownership of your original work.

Both parties agree to respectful participation. Serious abuse, harassment or unlawful conduct may justify ending services. For a remediable breach, we will normally explain the concern and allow a reasonable opportunity to resolve it. Any financial settlement must remain lawful and proportionate; termination does not automatically forfeit all unused fees.

14. Concerns, liability and applicable law

Please send concerns or complaints to [email], with your booking details and the resolution you seek. We aim to acknowledge complaints within five business days and provide a substantive response within 14 calendar days. We will explain any delay and provide a revised response date.

Nothing in these terms excludes mandatory consumer remedies or liability that cannot lawfully be excluded, including liability for fraud or death or personal injury caused by negligence. We remain responsible for our contractual and legal obligations. The absence of a guaranteed coaching outcome does not excuse a failure to provide the agreed service.

Where the provider is established in Spain, Spanish law governs this agreement, subject to any mandatory protections available to consumers in their country of habitual residence. Nothing restricts your right to bring a claim in a court available to you under applicable law. Business customers’ dispute arrangements may be agreed separately.

Updates to these terms apply to future bookings. We will not retrospectively impose new refund restrictions, expiry dates or payment commitments on an existing agreement without a lawful basis and, where required, your express agreement.