Mike V Method™

Master Terms of Use, Coaching Agreement & Legal Policies

SECTION 1

WEBSITE TERMS OF SERVICE

1.1 Eligibility

To use this website or purchase any products or services, you represent and warrant that:

You are at least eighteen (18) years of age.
You possess the legal capacity to enter into binding contracts.
You are using this website for lawful purposes only.
All information you provide is truthful, accurate, and current.

We reserve the right to refuse service or terminate access to any individual who violates these Terms.

1.2 Website Use

You agree to use this website only for legitimate personal purposes.

You agree NOT to:

violate any applicable laws or regulations;
interfere with website security;
attempt unauthorized access to any systems;
upload malicious software;
impersonate another individual;
harvest customer information;
disrupt website functionality.

1.3 Intellectual Property

Unless otherwise stated, all content available through Mike V Method™ is owned exclusively by the Company.

This includes but is not limited to:

coaching materials
online courses
videos
audio recordings
worksheets
PDFs
graphics
logos
branding
trademarks
text
downloadable resources
emails
presentations
social media content
proprietary coaching frameworks
exercises
written materials

All intellectual property is protected under United States copyright, trademark, and other applicable laws.

1.4 Limited License

When you purchase or access any Company material, you receive a limited, revocable, non-transferable, non-exclusive license for your own personal use.

You may not:

reproduce Company materials;
sell or redistribute materials;
share login credentials;
upload videos to other platforms;
record coaching sessions without written permission;
screen-record course content;
copy worksheets for distribution;
create derivative works;
use Company materials to train artificial intelligence systems;
use Company content to teach or coach others without written authorization.

Any unauthorized use immediately terminates your license.

1.5 User Accounts

If you create an account, you are responsible for maintaining the confidentiality of your username and password.

You are responsible for all activity occurring under your account.

You agree to notify us immediately of any unauthorized access.

1.6 Third-Party Services

This website may contain links to third-party websites including scheduling software, payment processors, video hosting platforms, email providers, or social media platforms.

We do not control nor endorse third-party websites and are not responsible for:

their content;
their privacy policies;
their business practices;
their availability;
their security.

Your use of third-party services is solely at your own risk.

1.7 Electronic Communications

By using this website or providing your email address, you consent to receive electronic communications from us including:

receipts;
invoices;
notices;
service announcements;
customer support;
coaching communications;
newsletters;
marketing emails (which you may unsubscribe from at any time).

Electronic communications satisfy any legal requirement that communications be provided in writing.

1.8 International Users

Mike V Method™ operates from the United States.

Individuals accessing this website from outside the United States are responsible for complying with all applicable local laws.

Nothing contained on this website should be interpreted as establishing compliance with laws outside the United States.

1.9 Governing Law

These Terms shall be governed by the laws of the State of California without regard to conflict-of-law principles.

1.10 Arbitration

Any dispute arising from these Terms shall first be submitted to informal good-faith negotiations.

If unresolved, disputes shall be resolved through binding arbitration administered by the American Arbitration Association.

Arbitration shall occur in San Diego County, California unless otherwise mutually agreed.

Claims must be brought individually and not as part of any class action or representative proceeding.

1.11 Force Majeure

The Company shall not be liable for delays or failures caused by circumstances beyond its reasonable control including but not limited to:

natural disasters;
pandemics;
governmental actions;
power outages;
internet failures;
cyberattacks;
illness;
labor disputes;
acts of God.

1.12 Entire Agreement

These Terms constitute the complete agreement between you and the Company concerning your use of this website.

1.13 Severability

If any provision of these Terms is determined to be unenforceable, all remaining provisions shall remain in full force and effect.

1.14 Waiver

Failure by the Company to enforce any provision shall not constitute a waiver of future enforcement.

SECTION 2

COACHING SERVICES AGREEMENT

Mike V Method™ provides educational coaching designed to support individuals navigating divorce and major life transitions.

Coaching is intended to provide encouragement, accountability, education, perspective, and personal development.

Coaching is not therapy, counseling, legal representation, financial planning, medical treatment, or crisis intervention.

By participating in coaching, you acknowledge that:

you remain fully responsible for your own decisions;
coaching is collaborative in nature;
you retain complete control over your actions;
implementation of coaching recommendations is entirely voluntary.

Participation in coaching does not create:

an attorney-client relationship;
therapist-client relationship;
physician-patient relationship;
fiduciary relationship;
psychological treatment relationship;
licensed counseling relationship.

Clients understand that no guarantees regarding personal outcomes, reconciliation, emotional healing, financial recovery, legal results, or future relationships are made or implied.

Coaching services may include optional faith-based content rooted in biblical principles. Participation in any faith-based discussions or materials is entirely voluntary.

SECTION 3

EARNINGS & RESULTS DISCLAIMER

Every divorce journey is unique.

Accordingly, Mike V Method™ makes no guarantees regarding:

emotional healing;
reconciliation;
financial recovery;
parenting outcomes;
legal settlements;
custody decisions;
career advancement;
future relationships;
personal happiness;
or any other result.

Testimonials presented throughout the website reflect individual experiences.

They are not promises or guarantees of future performance.

Your results depend upon numerous factors including your own:

commitment;
effort;
decision-making;
emotional readiness;
financial circumstances;
legal circumstances;
family dynamics;
and many variables beyond our control.

All products and services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied.

SECTION 4

MEDICAL & MENTAL HEALTH DISCLAIMER

Mike V Method™ does not provide:

medical advice;
psychological treatment;
psychiatric services;
mental health counseling;
marriage and family therapy;
trauma therapy;
addiction treatment;
crisis counseling;
diagnosis of any condition.

Nothing contained within our coaching should be interpreted as medical advice or treatment.

If you are experiencing:

depression;
anxiety;
panic attacks;
suicidal thoughts;
domestic violence;
substance abuse;
emotional crisis;
thoughts of self-harm;
or any medical emergency,

you should immediately discontinue coaching and contact:

your physician;
a licensed mental health professional;
emergency services;
or the 988 Suicide & Crisis Lifeline (or the equivalent emergency services in your country).

Coaching should never replace licensed healthcare.

SECTION 5

LEGAL & FINANCIAL DISCLAIMER

Divorce involves significant legal and financial consequences.

Mike V Method is not a law firm, accounting firm, investment advisor, financial planner, mediator, or fiduciary.

Nothing contained within our coaching, courses, videos, articles, emails, or downloadable materials constitutes:

legal advice;
tax advice;
accounting advice;
investment advice;
financial planning;
legal strategy;
litigation strategy;
child custody advice;
parenting plan advice;
property division advice;
spousal support advice;
mediation services.

No attorney-client relationship is created through participation in any Company service.

Clients are strongly encouraged to seek advice from qualified professionals licensed in their own jurisdiction regarding legal, financial, tax, estate planning, and investment matters.

Nothing presented by Mike V Method™ should be relied upon as a substitute for competent professional advice.

All decisions made regarding divorce proceedings remain solely the responsibility of the client.

SECTION 6

ASSUMPTION OF RISK

By accessing this website, purchasing any digital product, enrolling in any course, participating in coaching services, attending group coaching sessions, or utilizing any information provided by Mike V Method™, you acknowledge and voluntarily accept that participation involves inherent risks.

You understand and agree that divorce, separation, relationship transitions, and personal growth often involve significant emotional, relational, financial, legal, and psychological challenges. While the Company strives to provide helpful educational resources, coaching, encouragement, and practical guidance, no outcome can be guaranteed.

You acknowledge that your participation may involve, without limitation:

emotional discomfort;
difficult personal decisions;
changes in relationships;
financial uncertainty;
legal uncertainty;
parenting challenges;
lifestyle changes;
career adjustments;
stress associated with implementing new habits or perspectives.

You further acknowledge that any decisions you make regarding your divorce, finances, legal proceedings, parenting, employment, living arrangements, relationships, or future life choices are made solely by you.

You voluntarily assume all known and unknown risks associated with your participation in coaching and your use of the Company's products and services.

Nothing provided by Mike V Method™ should be interpreted as directing, requiring, or encouraging any specific legal, financial, medical, or personal decision.

Participation is entirely voluntary.

SECTION 7

RELEASE OF LIABILITY

To the fullest extent permitted by applicable law, you voluntarily release, waive, discharge, and hold harmless Mike V Method™, Navigating Divorce, its owner, employees, contractors, affiliates, successors, assigns, volunteers, representatives, agents, licensors, and service providers (collectively, the "Released Parties") from any and all claims, liabilities, demands, causes of action, damages, losses, costs, expenses, judgments, or attorney's fees arising from or relating to:

your participation in coaching;
your use of the website;
your purchase or use of digital products;
your reliance upon educational materials;
your implementation of coaching suggestions;
your personal decisions;
your legal decisions;
your financial decisions;
your parenting decisions;
your relationship decisions;
your interactions with third parties.

This release includes claims arising from negligence to the extent permitted by law but does not apply to claims involving intentional misconduct, fraud, or conduct that cannot legally be waived under applicable law.

You acknowledge that Mike V Method™ cannot control the actions of courts, attorneys, former spouses, family members, employers, governmental agencies, or any other third parties that may affect your circumstances.

Accordingly, you agree that the Company shall not be responsible for outcomes resulting from circumstances beyond its reasonable control.

SECTION 8

LIMITATION OF LIABILITY

To the fullest extent permitted by law, the Company's total cumulative liability for any claim arising out of or relating to these Terms, the website, coaching services, digital products, or any other Company service shall not exceed the total amount actually paid by you to the Company for the specific product or service giving rise to the claim.

Under no circumstances shall the Company be liable for any indirect, incidental, consequential, exemplary, punitive, or special damages, including but not limited to:

lost income;
lost profits;
loss of business opportunities;
loss of employment;
emotional distress;
reputational harm;
legal expenses;
financial losses;
lost opportunities;
interruption of business;
data loss;
or any other consequential damages,

even if the Company has been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, liability shall be limited to the maximum extent permitted by applicable law.

Nothing contained herein limits liability where such limitation is prohibited by law.

SECTION 9

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Released Parties from and against any and all claims, demands, lawsuits, liabilities, damages, judgments, settlements, losses, costs, expenses, and reasonable attorney's fees arising from or relating to:

your violation of these Terms;
your misuse of the website;
your misuse of coaching materials;
your infringement of intellectual property rights;
your violation of any applicable law;
your actions toward third parties;
information you submit to the Company;
your participation in coaching;
your reliance upon or implementation of information obtained through Mike V Method™.

This indemnification obligation survives the termination of your use of the website or participation in Company services.

SECTION 10

INTELLECTUAL PROPERTY POLICY

10.1 Ownership

All content created, published, distributed, licensed, or otherwise made available by Mike V Method is the exclusive intellectual property of the Company unless otherwise stated.

This includes, but is not limited to:

coaching frameworks;
educational methodologies;
proprietary exercises;
worksheets;
journals;
downloadable PDFs;
online courses;
presentations;
slide decks;
graphics;
illustrations;
logos;
trademarks;
videos;
podcasts;
audio recordings;
written articles;
blog posts;
email sequences;
lesson plans;
coaching questions;
assessments;
templates;
branding;
website design;
marketing materials;
social media content.

All applicable copyright, trademark, and intellectual property laws protect these materials.

10.2 Personal License

Your purchase grants you a limited, revocable, non-transferable, non-exclusive license for your own personal use.

This license does not transfer ownership of any intellectual property.

10.3 Prohibited Uses

Unless expressly authorized in writing by Mike V Method™, you may not:

copy;
reproduce;
distribute;
republish;
upload;
sell;
sublicense;
lease;
assign;
publicly display;
publicly perform;
modify;
translate;
create derivative works;
reverse engineer;
scrape;
archive for commercial use;
share account credentials;
share course access;
reproduce worksheets;
use Company content to train artificial intelligence systems;
use Company materials to develop competing coaching programs;
incorporate Company materials into books, courses, presentations, workshops, or seminars;
remove copyright notices or branding.

10.4 Recording Policy

Coaching sessions, webinars, workshops, and digital course materials may not be recorded, copied, photographed, screen-recorded, livestreamed, or otherwise reproduced without the Company's prior written permission.

If the Company records any session for educational or quality assurance purposes, ownership of those recordings remains exclusively with the Company.

10.5 User-Generated Content

If you voluntarily submit comments, testimonials, reviews, success stories, photos, videos, or other content to the Company, you grant Mike V Method™ a worldwide, perpetual, royalty-free, non-exclusive license to use, reproduce, edit, publish, display, distribute, and promote such content in connection with the Company's business and marketing efforts.

The Company will not publicly disclose confidential coaching information without your permission unless required by law.

10.6 Copyright Infringement

If you believe your copyrighted work has been used improperly on this website, please contact us promptly with sufficient information to investigate the claim.

10.7 Reservation of Rights

All rights not expressly granted in these Terms are reserved exclusively by Mike V Method™.

No provision contained within these Terms shall be interpreted as granting any ownership interest or intellectual property rights beyond the limited personal-use license described herein.

SECTION 11

PRIVACY & DATA PROTECTION POLICY

11.1 Our Commitment to Your Privacy

Mike V Method™ ("Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us.

This Privacy & Data Protection Policy explains how we collect, use, store, disclose, and protect your information when you:

visit our website;
subscribe to our email list;
schedule coaching sessions;
purchase products;
enroll in online courses;
participate in coaching programs;
communicate with us electronically.

By using our website or services, you consent to the practices described in this Policy.

11.2 Information We Collect

Depending upon your interaction with Mike V Method™, we may collect:

Personal Information

Name
Email address
Telephone number
Mailing address
Billing address
Payment information (processed securely through third-party payment processors)
Emergency contact information (if voluntarily provided)

Account Information

Username
Password (encrypted through third-party providers)
Course enrollment information
Coaching history

Coaching Information

You may voluntarily provide information regarding:

relationship status
divorce proceedings
parenting circumstances
financial concerns
emotional challenges
personal goals
journal entries
questionnaires
assessments

Providing this information is voluntary.

11.3 Automatically Collected Information

When you visit our website we may automatically collect:

IP address
browser type
operating system
device information
pages visited
referring websites
date and time of access
approximate geographic location
website usage analytics

11.4 How We Use Your Information

Your information may be used to:

provide coaching services;
process payments;
deliver purchased products;
manage online course access;
respond to customer inquiries;
improve our website;
personalize your experience;
send newsletters;
send educational emails;
notify you of updates;
maintain business records;
comply with legal obligations.

We only collect information reasonably necessary to operate our business.

11.5 Information Sharing

We do not sell your personal information.

We may share information with trusted third-party providers solely for legitimate business purposes, including:

payment processors;
scheduling software;
email service providers;
website hosting providers;
analytics providers;
cloud storage providers;
customer support platforms.

Each provider is expected to maintain reasonable safeguards for your information.

11.6 Artificial Intelligence and Automated Technologies

To enhance the quality, efficiency, and continuity of our services, Mike V Method may use trusted artificial intelligence ("AI") or other automated technologies to assist with legitimate business functions.

These technologies may be used for purposes including:

preparing coaching notes and session summaries;
organizing action items and follow-up tasks;
improving continuity between coaching sessions;
drafting customer communications;
scheduling and administrative support;
analyzing website performance and customer engagement;
improving the delivery of our products and services.

When AI-assisted recording, transcription, or note-taking technologies are used during coaching sessions, clients will receive appropriate notice, and any consent required by applicable law will be obtained before recording or transcription begins.

AI-generated summaries, transcripts, notes, and other outputs are intended to assist in the administration and delivery of coaching services. While commercially reasonable efforts are made to maintain their accuracy, such outputs may contain errors or omissions and should not be considered verbatim records or relied upon as legal, medical, financial, or other professional documentation.

Information processed through AI or automated technologies will be handled in accordance with this Privacy & Data Protection Policy and will only be shared with service providers that support the Company's legitimate business operations, subject to reasonable confidentiality and security measures.

The Company does not use client information to intentionally train publicly available artificial intelligence models unless the client has provided separate consent or such use is otherwise permitted by applicable law.

11.7 Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Accordingly, we cannot guarantee absolute security.

11.8 Data Retention

We retain personal information only as long as reasonably necessary to:

provide services;
comply with legal obligations;
resolve disputes;
enforce our agreements;
maintain appropriate business records.

When information is no longer needed, it will be securely deleted or anonymized where reasonably practical.

11.9 Your Privacy Rights

Depending on your jurisdiction, you may have rights including:

access to your information;
correction of inaccurate information;
deletion of certain information;
restriction of processing;
objection to marketing communications;
withdrawal of consent where applicable.

Requests may be submitted to our designated support email.

11.10 California Privacy Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable California privacy laws.

These rights may include:

the right to know what information is collected;
the right to request deletion;
the right to correct inaccurate information;
the right to limit certain uses of sensitive personal information where applicable;
the right to non-discrimination for exercising your privacy rights.

11.11 International Users

If you access our website from outside the United States, you understand that your information may be transferred to and stored within the United States.

By using our services, you consent to such transfer, storage, and processing.

11.12 Children's Privacy

Our services are intended solely for adults age eighteen (18) or older.

We do not knowingly collect personal information from children under eighteen.

If such information is discovered, it will be deleted promptly.

SECTION 12

COOKIE POLICY

12.1 Use of Cookies

Mike V Method™ uses cookies and similar technologies to improve website functionality, analyze traffic, personalize user experiences, and support marketing efforts.

Cookies are small text files stored on your device.

12.2 Types of Cookies

We may utilize:

Essential Cookies

Necessary for website operation.

Performance Cookies

Used to understand website usage and improve performance.

Functional Cookies

Remember user preferences.

Analytics Cookies

Measure visitor behavior through services such as Google Analytics.

Marketing Cookies

May be used for advertising and remarketing through platforms including Meta, Google Ads, or similar providers.

12.3 Cookie Choices

Most web browsers allow users to:

disable cookies;
delete cookies;
receive notifications before cookies are stored.

Disabling cookies may affect website functionality.

12.4 Third-Party Technologies

Third-party providers may independently place cookies on your device.

Their practices are governed by their own privacy policies rather than this Policy.

SECTION 13

REFUND & CANCELLATION POLICY

Mike V Method™ strives to provide exceptional coaching and educational resources.

Because many of our products involve immediate digital access and reserved coaching time, the following policies apply.

13.1 Coaching Sessions

Individual coaching sessions may be canceled or rescheduled with at least twenty-four (24) hours' notice.

Failure to provide at least twenty-four (24) hours' notice may result in forfeiture of the scheduled session without refund.

The Company reserves the right to make reasonable exceptions in cases of verified emergencies.

13.2 Coaching Packages

Unless otherwise stated in writing:

coaching packages are non-transferable;
coaching packages are non-refundable after thirty (30) days from purchase;
unused sessions expire twelve (12) months after purchase.

Expired sessions have no cash value.

13.3 Digital Products

Because digital products become immediately accessible after purchase:

all digital product sales are final;
no refunds are provided once access has been granted;
this includes online courses, downloadable guides, worksheets, journals, templates, videos, audio files, and other digital materials.

13.4 Membership Programs

If Mike V Method offers recurring memberships or subscriptions in the future:

cancellation will stop future billing only;
previously paid membership fees are non-refundable unless otherwise required by law.

13.5 Chargebacks

Customers agree to contact Mike V Method™ before initiating any payment dispute or chargeback.

Initiating an improper chargeback after receiving products or services may constitute a breach of these Terms.

The Company reserves all legal rights regarding fraudulent chargebacks.

SECTION 14

ARBITRATION & DISPUTE RESOLUTION

The Company desires to resolve disputes fairly, efficiently, and without unnecessary litigation whenever possible.

14.1 Informal Resolution

Before initiating arbitration or legal proceedings, both parties agree to attempt to resolve disputes through good-faith discussions.

Written notice describing the dispute shall be provided.

The parties shall have thirty (30) days to attempt informal resolution.

14.2 Binding Arbitration

If informal resolution is unsuccessful, disputes shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under its applicable Consumer Arbitration Rules.

Judgment upon the arbitration award may be entered in any court having jurisdiction.

14.3 Venue

Unless otherwise required by law, arbitration proceedings shall occur in San Diego County, California.

Virtual arbitration may be permitted where authorized by the arbitrator.

14.4 Class Action Waiver

To the fullest extent permitted by law, all claims shall be brought solely on an individual basis.

You waive any right to participate in:

class actions;
class arbitrations;
representative actions;
consolidated proceedings.

14.5 Attorney's Fees

Each party shall generally bear its own attorney's fees and costs unless otherwise awarded by the arbitrator or required by applicable law.

14.6 Exceptions

Nothing in this section prevents either party from seeking temporary injunctive relief or other equitable remedies necessary to protect intellectual property or confidential information.

SECTION 15

INTERNATIONAL USERS

Mike V Method™ is owned and operated from the United States.

Although our educational materials and coaching services may be accessible internationally, we make no representation that our website or services comply with the laws of every country.

Individuals accessing our services from outside the United States do so voluntarily and at their own initiative.

Users are solely responsible for complying with all laws, regulations, tax obligations, and consumer protection requirements applicable within their own jurisdiction.

All coaching services, digital products, and agreements shall be interpreted according to the laws specified in these Terms unless otherwise required by mandatory local law.

Any translations of these Terms are provided solely for convenience. In the event of any inconsistency, the English-language version shall control.

If any provision of these Terms is determined to be unenforceable in a particular jurisdiction, the remaining provisions shall continue in full force and effect to the maximum extent permitted by applicable law.

SECTION 16 GOVERNING LAW

16.1 Applicable Law

These Terms, and any separate agreement incorporating these Terms by reference, shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles.

The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

16.2 Location of the Company

Mike V Method™ is operated from San Diego County, California, United States.

You acknowledge that the Company’s products, coaching services, digital content, and website operations are administered primarily from California.

16.3 Mandatory Consumer Protections

Nothing in these Terms is intended to deprive a consumer of any non-waivable right or protection available under the laws of the jurisdiction in which the consumer resides.

Where applicable law prohibits the enforcement of a particular provision, that provision shall be interpreted, limited, or modified only to the minimum extent necessary to comply with applicable law.

All remaining provisions shall continue in full force and effect.

16.4 Court Proceedings Not Subject to Arbitration

For any dispute that is not subject to arbitration, or for any action permitted to proceed in court under these Terms, the parties consent to the exclusive jurisdiction and venue of the appropriate state or federal courts located in San Diego County, California, except where applicable law requires a different forum.

Each party waives any objection based upon improper venue, inconvenience of the forum, or lack of personal jurisdiction, to the fullest extent permitted by law.

16.5 Small Claims Court

Nothing in these Terms prevents either party from bringing an individual claim in a small claims court of competent jurisdiction, provided that the claim remains within that court’s authority and proceeds solely on an individual, non-representative basis.

16.6 Equitable and Injunctive Relief

Notwithstanding any arbitration or venue provision, the Company may seek temporary, preliminary, or permanent injunctive relief in a court of competent jurisdiction when reasonably necessary to:

protect its intellectual property;
prevent unauthorized use or distribution of Company materials;
prevent misuse of confidential information;
stop fraudulent activity;
preserve legal rights while a dispute is pending.

Seeking such relief shall not waive the Company’s right to require arbitration of any other claim.

SECTION 17 FORCE MAJEURE

17.1 Events Beyond Reasonable Control

Mike V Method™ shall not be considered in breach of these Terms and shall not be liable for any delay, interruption, cancellation, or failure to perform caused by events beyond the Company’s reasonable control.

Such events may include, without limitation:

natural disasters;
earthquakes;
wildfires;
floods;
severe weather;
epidemics or pandemics;
public health emergencies;
acts of God;
war;
terrorism;
civil unrest;
riots;
labor strikes or work stoppages;
governmental orders or restrictions;
changes in law or regulation;
court orders;
utility failures;
power outages;
internet or telecommunications disruptions;
failures of hosting, scheduling, payment, email, or course-platform providers;
cyberattacks;
data-security incidents;
transportation interruptions;
serious illness, injury, incapacity, or family emergency;
any other event that could not reasonably have been anticipated, prevented, or controlled.

17.2 Suspension or Rescheduling of Services

If a force majeure event affects a coaching session, program, course, workshop, or other service, the Company may, in its reasonable discretion:

reschedule the affected service;
provide a comparable substitute;
extend a program or access period;
temporarily suspend performance;
deliver the service through an alternative method;
issue an account credit;
take another commercially reasonable action.

The Company will make reasonable efforts to notify affected customers and resume performance when reasonably practical.

17.3 Refunds Following a Force Majeure Event

A force majeure event does not automatically entitle a customer to a cash refund.

Any refund, credit, extension, or substitute service shall be determined in accordance with:

the applicable Refund and Cancellation Policy;
the nature of the affected product or service;
the amount of the service already delivered;
applicable law.

Nothing in this section limits any refund right that cannot legally be waived.

17.4 Continuing Obligations

A force majeure event does not excuse obligations that are not prevented by the event, including obligations concerning:

payment for services already provided;
confidentiality;
intellectual property;
indemnification;
dispute resolution;
limitations of liability.

SECTION 18 ELECTRONIC COMMUNICATIONS

18.1 Consent to Electronic Communications

By visiting the website, creating an account, submitting a form, subscribing to an email list, scheduling a session, purchasing a product, enrolling in a program, or communicating electronically with Mike V Method™, you consent to receive communications from the Company electronically.

Electronic communications may include:

agreements;
terms and policies;
disclosures;
invoices;
receipts;
payment confirmations;
appointment confirmations;
scheduling notices;
cancellation notices;
course-access information;
coaching materials;
customer-support communications;
administrative notices;
legal notices;
newsletters;
educational content;
promotional or marketing communications.

You may unsubscribe from nonessential marketing emails at any time by using the unsubscribe link provided in the message.

Unsubscribing from marketing communications will not prevent the Company from sending transactional, administrative, service-related, or legally required communications.

18.2 Electronic Acceptance

You agree that electronic actions demonstrating acceptance may have the same force and effect as a handwritten signature, to the fullest extent permitted by applicable law.

Electronic acceptance may include:

clicking an “I Agree,” “Accept,” “Purchase,” “Enroll,” “Submit,” or similar button;
checking a box indicating acceptance;
electronically signing an agreement;
completing a purchase after being presented with applicable terms;
creating an account;
accessing purchased content;
continuing to use the Services after updated Terms have been presented where legally permitted.

Your electronic acceptance confirms that you have had an opportunity to review the applicable agreement before accepting it.

18.3 Electronic Records

You agree that electronic records, notices, disclosures, and agreements satisfy any legal requirement that such communications be in writing, except where applicable law requires another form of delivery.

The Company may retain electronic records of:

your acceptance of these Terms;
purchases;
enrollment information;
coaching agreements;
appointment activity;
communications;
policy acknowledgments;
electronic signatures;
consent records;
transaction history.

Such records may be used as evidence of the parties’ agreement and transactions to the extent permitted by law.

18.4 Technology Requirements

To receive electronic communications, you must have:

access to the internet;
a functioning email address;
a device capable of displaying electronic communications;
software capable of viewing common document formats;
sufficient electronic storage or printing capability to retain records.

You are responsible for maintaining the hardware, software, and internet access necessary to receive and review electronic communications.

18.5 Accurate Contact Information

You agree to provide and maintain an accurate, current, and functioning email address and other contact information.

You are responsible for notifying the Company if your contact information changes.

A communication shall be considered delivered when sent to the most recent email address or contact information you provided, except where applicable law requires proof of receipt or another delivery method.

The Company is not responsible for communications that you do not receive because of:

inaccurate contact information;
spam filters;
full email storage;
blocked senders;
service-provider outages;
your failure to review your communications.

18.6 Withdrawal of Electronic Consent

Where required by law, you may request to withdraw your consent to receive certain records electronically by contacting the Company at the designated support email address.

Withdrawal of consent may affect the Company’s ability to provide online products, coaching services, account access, or other Services that depend upon electronic communication.

Withdrawal shall not affect the validity or enforceability of electronic records or transactions completed before the withdrawal became effective.

The Company may provide instructions concerning alternative communication methods and any associated reasonable costs, where permitted by law.

18.7 Text Messages and Telephone Communications

If you voluntarily provide a telephone number and separately consent to receive text messages or calls, the Company may use that number for purposes disclosed at the time consent is obtained.

Consent to receive marketing text messages is not a condition of purchasing any product or service unless otherwise permitted by law.

Message and data rates may apply.

You may revoke consent to marketing text messages using the opt-out instructions provided in the message or by contacting the Company.

18.8 Recording of Communications

To improve the quality and accuracy of coaching services, Mike V Method™ may utilize recording, transcription, or artificial intelligence ("AI") note-taking technologies during coaching sessions, where permitted by applicable law.

When such technologies are used, clients will receive appropriate notice, and any consent required by applicable law will be obtained before recording or transcription begins.

Recordings, transcripts, summaries, and AI-generated notes are used solely for legitimate business purposes, which may include:

preparing coaching notes;
documenting action items;
improving continuity between sessions;
maintaining client records;
quality assurance;
training or improving internal business processes.

The Company will make commercially reasonable efforts to maintain the confidentiality of these materials consistent with this Agreement and applicable law. Access to recordings, transcripts, and notes will be limited to individuals or service providers with a legitimate business need, subject to appropriate confidentiality obligations.

Clients may not record, photograph, livestream, transcribe, screen-record, distribute, reproduce, or publish coaching sessions or other private communications without the Company's prior written authorization and any consent required by applicable law.

SECTION 19 ENTIRE AGREEMENT

19.1 Complete Agreement

These Terms, together with all policies and agreements expressly incorporated by reference, constitute the entire agreement between you and Mike V Method™ concerning the subject matter addressed herein.

The complete agreement may include, as applicable:

these Terms and Conditions;
a Coaching Services Agreement;
the Privacy and Data Protection Policy;
the Cookie Policy;
the Refund and Cancellation Policy;
disclaimers;
program-specific terms;
payment-plan terms;
order-page disclosures;
written enrollment terms;
written amendments signed or electronically accepted by the parties.

19.2 Superseding Effect

The complete agreement supersedes all prior or contemporaneous:

discussions;
negotiations;
representations;
promises;
understandings;
proposals;
communications;
agreements,

whether oral, written, or electronic, concerning the same subject matter.

You acknowledge that you have not relied upon any promise, statement, or representation that is not expressly contained in the applicable written agreement, except where reliance cannot legally be disclaimed.

19.3 Conflicting Terms

If there is a conflict between these Terms and a separate written agreement signed or electronically accepted by both you and the Company, the separate written agreement shall control solely with respect to the specific subject matter addressed in that agreement.

If there is a conflict between these Terms and an order page, enrollment page, or program-specific policy, the more specific provision shall control with respect to that product, program, or service.

19.4 Sales and Marketing Statements

Statements appearing in advertisements, social media posts, interviews, presentations, webinars, emails, videos, or informal communications do not modify these Terms or create a guarantee unless expressly incorporated into a written agreement authorized by the Company.

19.5 Amendments

The Company may revise these Terms from time to time to reflect:

changes in Services;
changes in business operations;
changes in technology;
changes in legal requirements;
changes in industry practices.

The updated version will identify its effective or “Last Updated” date.

Where required by law, material changes will be communicated through reasonable notice and consent will be obtained when legally necessary.

Changes will not retroactively alter fully completed transactions or vested rights unless the parties expressly agree or applicable law permits otherwise.

19.6 No Oral Modification

No oral statement, informal conversation, text message, or social media communication shall modify these Terms.

Any modification applicable to a specific customer must be in writing and authorized by the Company.

SECTION 20 SEVERABILITY

20.1 Severability of Provisions

If any provision of these Terms is found by a court, arbitrator, or other tribunal of competent jurisdiction to be unlawful, invalid, void, or unenforceable, that determination shall not affect the validity or enforceability of the remaining provisions.

The remaining provisions shall continue in full force and effect.

20.2 Modification to Preserve Intent

To the fullest extent permitted by law, any unlawful, invalid, or unenforceable provision shall be:

interpreted narrowly;
limited;
modified;
partially enforced;
replaced with an enforceable provision,

so that it most closely reflects the original lawful intent of the parties.

20.3 Provisions Incapable of Modification

If a provision cannot legally be modified or partially enforced, it shall be severed only to the minimum extent necessary.

The remainder of the provision and all other provisions shall remain enforceable.

20.4 Application to Particular Jurisdictions

If a provision is unenforceable only in a particular jurisdiction, that provision shall remain enforceable in all other jurisdictions to the fullest extent permitted by law.

20.5 Arbitration and Class-Action Provisions

Because enforceability requirements for arbitration and class-action waivers may vary by jurisdiction, any severability of those provisions shall be governed first by the specific severability language contained in the Arbitration and Dispute Resolution section.

If no specific language applies, this Section 20 shall control.

20.6 Survival

Any provision that by its nature should continue after termination or expiration of the parties’ relationship shall survive, including provisions concerning:

payment obligations;
intellectual property;
confidentiality;
disclaimers;
assumption of risk;
release of liability;
limitations of liability;
indemnification;
dispute resolution;
governing law;
electronic records;
severability.

SECTION 21 WAIVER

21.1 No Waiver by Failure to Enforce

The failure or delay by Mike V Method™ to exercise or enforce any right, remedy, power, or provision under these Terms shall not operate as a waiver of that right, remedy, power, or provision.

A waiver on one occasion shall not constitute a waiver of the same or any other provision on a future occasion.

21.2 Waivers Must Be in Writing

No waiver by the Company shall be effective unless it is:

made in writing;
clearly identifies the right or provision being waived; and
signed or electronically authorized by the Company or its authorized representative.

Oral statements, informal communications, text messages, emails, or a course of conduct shall not constitute a waiver unless the Company expressly states in writing that a waiver is intended.

21.3 Limited Scope of Waiver

Any waiver granted by the Company shall apply only:

to the specific individual or party identified;
to the particular circumstance described;
for the period expressly stated;
to the specific provision being waived.

A waiver shall not extend to any other customer, transaction, violation, obligation, or future circumstance.

21.4 No Waiver Through Accommodation

The Company may occasionally provide a customer with:

an extension;
a rescheduled session;
a payment accommodation;
a courtesy refund;
additional course access;
a policy exception;
another act of goodwill.

Such an accommodation does not modify these Terms, create a continuing obligation, establish a business practice, or waive the Company’s right to enforce the applicable policy in the future.

21.5 Cumulative Rights and Remedies

All rights and remedies available to the Company under these Terms are cumulative and are in addition to any rights or remedies available under applicable law.

The exercise of one right or remedy does not prevent the Company from exercising another right or remedy.

21.6 Customer Waivers

Any waiver of rights by a customer shall apply only to the extent clearly stated in these Terms or in a separate agreement knowingly accepted by the customer.

Nothing in these Terms requires a customer to waive any right or legal protection that cannot lawfully be waived.

SECTION 22 CONTACT INFORMATION

22.1 Company Contact Information

Questions, notices, concerns, privacy requests, refund inquiries, copyright complaints, and other communications regarding these Terms or the Services may be directed to:

Business Name: Mike V Method™
Alternative or Brand Name: Navigating Divorce
Legal Owner or Entity: Michael Vasquez
Website: www.mikevmethod.com
Email: mike@mikevmethod.com
Privacy Requests: mike@mikevmethod.com
Mailing Address: 3223 Greyling Dr, SD, CA, 92193

22.2 Legal Notices

Formal legal notices to the Company must be delivered:

by email to the designated legal-contact email address; and
by certified mail, nationally recognized overnight delivery service, or another trackable delivery method to the business mailing address listed above.

A legal notice shall be considered received on the earliest of:

the date delivery is confirmed;
the date the notice is signed for;
the date the Company acknowledges receipt in writing.

Ordinary customer-support messages, social media messages, text messages, comments, or direct messages do not constitute formal legal notice.

22.3 Privacy Requests

Requests involving personal information or privacy rights should include sufficient information to allow the Company to:

understand the request;
identify the requester;
locate the relevant information;
verify the requester’s identity where reasonably necessary;
respond through a secure method.

Privacy requests may include requests to:

access personal information;
correct inaccurate information;
delete eligible information;
withdraw consent;
opt out of marketing;
exercise another right available under applicable law.

The Company may request additional information reasonably necessary to verify the request and protect personal information from unauthorized disclosure.

The Company will respond within the period required by applicable law.

California guidance emphasizes that privacy policies should clearly explain a business’s practices and provide consumers with understandable ways to exercise applicable privacy rights.

22.4 Refund, Cancellation, and Billing Inquiries

Questions concerning purchases, billing, coaching cancellations, payment plans, or refund eligibility should be submitted to:

Billing and Customer Support Email: [Insert support email address]

Submitting an inquiry does not automatically:

cancel a subscription;
cancel a coaching appointment;
stop an installment payment;
extend a refund period;
guarantee a refund.

Customers must follow the applicable cancellation procedure described in the Refund and Cancellation Policy or communicated at the time of purchase.

22.5 Copyright and Intellectual Property Notices

Notices concerning suspected copyright infringement, trademark misuse, unauthorized distribution, account sharing, or other intellectual property concerns should be submitted to:

Intellectual Property Contact: mike@mikevmethod.com

The notice should include, where applicable:

the name and contact information of the complaining party;
identification of the protected work;
identification and location of the allegedly infringing material;
a description of the alleged unauthorized use;
a statement explaining the basis of the complaint;
any supporting documentation reasonably available.

The Company may remove, restrict, investigate, or preserve the disputed material while reviewing the matter.

22.6 Customer Responsibility for Current Information

You are responsible for providing accurate and current contact information when:

creating an account;
purchasing a product;
scheduling coaching;
enrolling in a program;
submitting a privacy request;
communicating with the Company.

The Company is not responsible for delays or missed communications caused by inaccurate, incomplete, or outdated information supplied by you.

22.7 Changes to Contact Information

The Company may update its email address, mailing address, telephone number, legal entity name, or other contact information by revising this section or posting updated information on the website.

The most recently published contact information shall control for future communications.

Changes to contact information do not invalidate any agreement, purchase, consent, or legal obligation entered into before the change.