TERMS & CONDITIONS

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These Terms and Conditions (“Terms”) are by and between A Second Knowing, LLC, a New Hampshire limited liability company (“the Company”), and all customers purchasing products and/or services from the Company (hereafter “Customer”). Each party may hereafter be referred to as a “Party” or together as the “Parties.” 

By booking services or purchasing products through the Company’s website (the “Website”), Customer agrees to the following Terms:

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Date Last Modified: January 16, 2026

1. Updating Terms. The Company reserves the right to modify, amend, or update these Terms at any time, in its sole discretion, without prior notice to Customer. Any changes to these Terms will be effective immediately upon posting the revised Terms on the Website or through the Services, with the "Date Last Modified" updated accordingly. Customer's continued use of the Services after any such modifications, amendments, or updates constitutes Customer's acceptance of the revised Terms. It is Customer's responsibility to review these Terms periodically for any changes. If Customer does not agree to any modified Terms, Customer's sole remedy is to discontinue use of the Services.

2. Company Products and Services. These Terms apply to all products and services provided by the Company through the Website or any other platform, including any mobile application (collectively, "Services"). For purposes of these Terms, "Services" includes, without limitation, all one-to-one consulting sessions, coaching services, digital products, physical products, and any other offerings made available by the Company to Customer.

3. Refunds. THE COMPANY DOES NOT PROVIDE REFUNDS.

4. Cancellations and Rescheduling. Customer may reschedule any scheduled session, appointment, or meeting with the Company by providing at least twenty-four (24) hours advance notice prior to the scheduled time. Rescheduling requests must be submitted by email to the Company. If Customer fails to provide at least twenty-four (24) hours advance notice of cancellation or rescheduling, or if Customer fails to attend a scheduled session (a "no-show"), the full fee paid for that session shall be forfeited to the Company and no refund or credit will be provided. Customer acknowledges and agrees that the Company reserves time specifically for Customer's scheduled sessions and that late cancellations and no-shows prevent the Company from booking that time with other customers. 

5. Community Code of Conduct. When participating in any group chats, forums, workshops, or other interactive features of the Services where Customer may interact with other users ("Community Features"), Customer agrees to conduct themselves in a professional, respectful, and courteous manner at all times. Customer shall not: (a) harass, bully, threaten, intimidate, or abuse other users or any representatives of the Company; (b) post, share, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, pornographic, hateful, or racially, ethnically, or otherwise objectionable; (c) post or share content that infringes on the intellectual property rights, privacy rights, or other rights of any third party; (d) engage in any discriminatory conduct based on race, color, religion, gender, sexual orientation, gender identity, national origin, disability, age, or any other protected characteristic; (e) post spam, advertisements, promotional materials, or solicit other users for commercial purposes without the Company's prior written consent; (f) post or share false, misleading, or deceptive information; (g) impersonate any person or entity or misrepresent Customer's affiliation with any person or entity; (h) disrupt or interfere with other users' enjoyment of the Community Features; or (i) encourage or facilitate any violations of these Terms or this Code of Conduct. The Company reserves the right, but has no obligation, to monitor Community Features and to remove any content or restrict any user's access to the Community Features or Services at any time, for any reason, without prior notice. Customer acknowledges that any content posted in Community Features may be viewed by other users and agrees to use discretion in sharing personal information. Violations of this Code of Conduct may result in immediate termination of Customer's access to the Services without refund.

6. Use of Services and Restrictions. Customer agrees to use the Services, including the Website and any mobile applications, only for lawful purposes and in accordance with these Terms. Customer shall not use the Services in any manner that violates any applicable federal, state, local, or international law or regulation. Customer shall not, and shall not permit any third party to: (a) access or use the Services in any way that could damage, disable, overburden, or impair the Company's servers or networks; (b) attempt to gain unauthorized access to any portion of the Services, other accounts, computer systems, or networks connected to the Services, whether through hacking, password mining, or any other means; (c) use any robot, spider, scraper, or other automated means to access the Services for any purpose without the Company's express written permission; (d) interfere with or disrupt the Services or servers or networks connected to the Services; (e) violate any requirements, procedures, policies, or regulations of networks connected to the Services; (f) reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes any portion of the Services, use of the Services, or access to the Services; (g) modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Services or any software or technology underlying the Services; (h) remove, obscure, or alter any copyright, trademark, or other proprietary rights notices from the Services or Company Content; (i) frame or mirror any part of the Services without the Company's prior written authorization; (j) use the Services to transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature; (k) impersonate any person or entity or falsely state or otherwise misrepresent Customer's affiliation with any person or entity; or (l) collect or store personal data about other users without their express permission.

7. HIPAA Compliance. The Company is not a HIPAA-covered entity and does not provide services that require HIPAA compliance. Customer expressly agrees NOT to transmit, share, or communicate any Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act (HIPAA) or any other confidential medical or health information to the Company through the Website, email, or any other means of communication. Customer acknowledges and agrees that the Company's Services are not designed to receive, store, or process PHI, and the Company shall have no liability whatsoever for any HIPAA-related issues, including but not limited to any unauthorized disclosure, breach, or misuse of any health information that Customer transmits to the Company in violation of these Terms.

8. Intellectual Property. All content, materials, and intellectual property provided by the Company, including but not limited to text, graphics, logos, images, audio, video, software, designs, methodologies, processes, and any other materials available through the Website, mobile applications, or in printed or digital form (collectively, "Company Content"), are the exclusive property of the Company and are protected by copyright, trademark, and other intellectual property laws. Customer is granted a limited, non-exclusive, non-transferable, revocable license to access and use the Company Content solely for Customer's internal, personal, non-commercial purposes. Customer may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, sell, or exploit any Company Content for any commercial purpose without the express prior written consent of the Company. Any unauthorized use of the Company Content may violate copyright, trademark, and other laws and may result in immediate termination of Customer's access to the Services and other legal consequences.

9. Not a Licensed Professional. 

   1. Healthcare. The Company and its representatives are not licensed therapists, psychologists, psychiatrists, physicians, or any other type of licensed healthcare professionals. The Services provided by the Company are not a substitute for professional medical advice, diagnosis, treatment, or therapy. Customer acknowledges and agrees that the Company does not provide medical, mental health, or therapeutic services. Customer is solely responsible for consulting with appropriate licensed healthcare professionals regarding any medical, mental health, or therapeutic needs. Customer should always seek the advice of a qualified healthcare provider with any questions regarding a medical or mental health condition and should never disregard professional medical advice or delay seeking it because of anything discussed or provided through the Company's Services.

   2. Financial. The Company and its representatives are not licensed financial advisors, certified public accountants, tax professionals, attorneys, or any other type of licensed financial, tax, or legal professionals. The Services provided by the Company are not a substitute for professional financial advice, tax advice, or legal counsel. Customer acknowledges and agrees that the Company does not provide financial planning, investment advice, tax preparation or advice, legal services, or any similar professional services. Customer is solely responsible for making all financial, tax, and legal decisions and for consulting with appropriate licensed professionals regarding any financial, tax, or legal matters. The Company shall have no responsibility or liability for any financial, tax, or legal decisions made by Customer.

10. No Warranties or Guarantees. THE SERVICES, INCLUDING THE WEBSITE, MOBILE APPLICATIONS, AND ALL COMPANY CONTENT, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DOES NOT WARRANT OR GUARANTEE THAT THE SERVICES WILL MEET CUSTOMER'S REQUIREMENTS OR EXPECTATIONS OR THAT ANY RESULTS, OUTCOMES, OR BENEFITS WILL BE ACHIEVED FROM USE OF THE SERVICES. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION, CONTENT, OR MATERIALS PROVIDED THROUGH THE SERVICES. CUSTOMER ACKNOWLEDGES AND AGREES THAT CUSTOMER'S USE OF THE SERVICES IS AT CUSTOMER'S OWN RISK AND DISCRETION. THIS SECTION WILL SURVIVE TERMINATION OF THESE TERMS.

11. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES BE LIABLE TO CUSTOMER OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO CUSTOMER FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY CUSTOMER TO THE COMPANY FOR SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS SECTION WILL SURVIVE TERMINATION OF THESE TERMS.

12. Indemnification. Customer agrees to indemnify, defend, and hold harmless the Company, its owners, officers, employees, agents, representatives, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to: (a) Customer's breach of these Terms; (b) Customer's violation of the HIPAA Compliance provision, including any transmission of Protected Health Information (PHI) or other confidential health information to the Company in violation of these Terms; (c) Customer's use or misuse of the Services; (d) Customer's violation of any applicable law or regulation; (e) Customer's violation of any rights of any third party, including but not limited to intellectual property rights, privacy rights, or proprietary rights; or (f) any claim by a third party against any Indemnified Party arising out of or related to Customer's negligence, gross negligence, willful misconduct, fraud, or any other culpable conduct. Customer's indemnification obligations under this Section shall survive the termination or expiration of these Terms. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by Customer, and in such case, Customer agrees to cooperate with the Company's defense of such claim.

13. Third Party Links and Content. The Website, mobile applications, and Services may contain links to third-party websites, applications, products, services, or content that are not owned or controlled by the Company ("Third Party Content"). The Company does not endorse, guarantee, or make any representations or warranties regarding any Third Party Content, including but not limited to the accuracy, completeness, reliability, quality, legality, safety, or intellectual property compliance of such Third Party Content. The Company has no control over and assumes no responsibility for Third Party Content or the practices of any third-party websites, applications, or service providers. Customer acknowledges and agrees that the Company shall not be liable, directly or indirectly, for any damage, loss, or liability caused or alleged to be caused by or in connection with Customer's use of or reliance on any Third Party Content, products, or services. Customer's interactions with third parties, including payment transactions and delivery of goods or services, are solely between Customer and such third party. Customer agrees to hold the Company harmless and releases the Company from any and all claims, damages, liabilities, costs, and expenses arising from Customer's use of or access to any Third Party Content or third-party services. It is Customer's responsibility to review the terms and conditions and privacy policies of any third-party websites or services that Customer accesses through links provided by the Company.

14. Miscellaneous. 

    1. Governing Law and Jurisdiction. These Terms shall be governed by and construed in accordance with the laws of the State of New Hampshire, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms or the Services shall be brought exclusively in the federal or state courts located in New Hampshire, and each Party hereby irrevocably consents to the personal jurisdiction and venue of such courts. 

    2. Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect. 

    3. Entire Agreement. These Terms constitute the entire agreement between the Parties with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, with respect to such subject matter. 

    4. Waiver. No waiver of any provision of these Terms shall be deemed or shall constitute a waiver of any other provision, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by the Party making the waiver. The Company's failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. 

    5. Assignment. Customer may not assign, transfer, or delegate any of Customer's rights or obligations under these Terms without the Company's prior written consent. The Company may assign, transfer, or delegate any of its rights or obligations under these Terms at any time without notice to or consent from Customer. These Terms shall be binding upon and inure to the benefit of the Parties and their respective successors and permitted assigns. 

    6. No Third-Party Beneficiaries. These Terms are for the sole benefit of the Parties and nothing herein, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of these Terms. 

    7. Force Majeure. The Company shall not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond the Company's reasonable control, including but not limited to acts of God, labor disputes, strikes, industrial disturbances, acts of terrorism, war, floods, epidemics, pandemics, governmental actions, communications or power failures, or equipment or software malfunctions. 

    8. Electronic Communications. Customer consents to receive communications from the Company electronically, including via email or by posting notices on the Website. Customer agrees that all agreements, notices, disclosures, and other communications that the Company provides electronically satisfy any legal requirement that such communications be in writing. 

    9. Headings. The section headings in these Terms are for convenience only and shall not affect the interpretation of these Terms. 

    10. Survival. Any provision of these Terms that by its nature should survive termination shall survive termination, including but not limited to provisions relating to intellectual property, indemnification, limitations of liability, disclaimers of warranties, and dispute resolution.