Terms of Service

1. Agreement and acceptance

These Terms of Service govern your access to and use of the website, courses, downloads, ebooks, resources, group programs, coaching, communities, workshops, webinars, recordings, and related services offered by Sarah Binks Consulting.

By accessing the website, making a purchase, registering for a program, downloading resources, joining a community, attending a live session, or otherwise using the Services, you agree to be bound by these Terms of Service and the Privacy Policy. If you do not agree, do not use the Services.

2. Definitions

Defined Term	Meaning
Company, we, us, our	Sarah Binks Consulting.
Client, participant, user, you	Any person who accesses, purchases, registers for, receives, or uses the Services.
Services	Non-regulated coaching, group programs, courses, educational content, digital downloads, templates, ebooks, workshops, business-development resources, personal-development resources, online communities, and related non-clinical services offered by Sarah Binks Consulting. The Services are educational, informational, and coaching-based only. They are not social work services, psychotherapy, counselling, mental health treatment, clinical supervision, health care, legal advice, financial advice, accounting advice, tax advice, or any other regulated professional service.
Materials	All videos, audio, recordings, transcripts, slides, worksheets, templates, documents, downloads, lesson plans, modules, written content, visual content, and other materials provided through the Services.
Terms	These Terms of Service, together with the Privacy Policy and any service-specific sales page, checkout terms, invoice, registration page, or written agreement.

3. Services covered

Sarah Binks Consulting provides educational and informational business coaching, consulting, courses, downloads, ebooks, group programs, communities, and related resources. Specific inclusions, access periods, delivery format, schedule, fees, and deliverables will be described on the relevant sales page, registration page, invoice, checkout page, or written agreement.

Unless expressly stated in writing, the Services do not include therapy, psychotherapy, social work services, medical advice, legal advice, financial advice, accounting advice, tax advice, investment advice, professional regulatory advice, crisis support, or emergency services.

4. Eligibility

The Services are intended only for individuals who are at least 18 years old. By using the Services, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

Business coaching disclaimer

Sarah Binks is a registered social worker with the Ontario College of Social Workers and Social Service Workers. However, the Services offered through Sarah Binks Consulting are not provided as social work services, psychotherapy, counselling, mental health treatment, clinical supervision, or regulated health or professional services.

By purchasing, registering for, accessing, or participating in the Services, you understand and agree that you are engaging Sarah Binks Consulting for non-regulated coaching, educational, group program, course, and/or digital-resource services only. No therapist-client, social worker-client, clinician-client, supervisor-supervisee, fiduciary, advisory, or regulated professional relationship is created through the Services.

The Services may include discussion of business, leadership, professional development, personal development, mindset, communication, career, entrepreneurship, marketing, networking, supervision-adjacent professional themes, or similar topics. Any information provided is general and educational in nature. You remain solely responsible for your own decisions, actions, professional obligations, business decisions, clinical decisions, financial decisions, legal compliance, and results.

If you require social work services, psychotherapy, mental health treatment, clinical supervision, crisis support, legal advice, financial advice, accounting advice, tax advice, or other regulated professional services, you should seek assistance from an appropriately qualified professional.

Sarah Binks Consulting does not guarantee any specific result, outcome, business growth, income, client acquisition, professional advancement, personal transformation, relationship outcome, emotional outcome, or financial result.

6. No professional advice

The Services are not a substitute for independent legal, financial, accounting, tax, regulatory, medical, mental health, or other professional advice. You should consult appropriate professionals for advice concerning your specific circumstances.

7. Fees, payment, taxes, and currency

All fees are listed and payable in Canadian dollars unless Sarah Binks Consulting expressly states otherwise in writing.

Listed fees do not include applicable taxes unless expressly stated. Depending on your location, billing information, purchaser status, applicable tax rules, and the platform or payment processor used for the purchase, applicable taxes, including GST/HST, sales tax, value-added tax, or other similar taxes, may be charged in addition to the listed fees.

You are responsible for paying all fees and applicable taxes associated with your purchase. Sarah Binks Consulting may refuse, suspend, or terminate access to the Services if payment is declined, reversed, disputed, refunded, charged back, or otherwise not received.

Sarah Binks Consulting does not currently offer payment plans unless expressly agreed in writing. If a payment plan is later offered in writing, all instalments remain payable according to the payment terms provided at the time of purchase.

8. Refunds, cancellations, missed sessions, and digital products

Refunds, cancellations, transfers, and credits for group programs, coaching services, courses, workshops, and other Services are governed by the refund or cancellation terms stated on the applicable sales page, registration page, invoice, checkout page, or written agreement.

If no specific refund or cancellation terms are stated, all purchases are final sale to the fullest extent permitted by applicable law.

Sarah Binks Consulting may, in its discretion, offer a refund, partial refund, credit, transfer, or alternate arrangement, but doing so in one case does not create an obligation to do so in any other case.

No refund will be provided where access is suspended or terminated because of non-payment, chargeback, breach of these Terms, misuse of materials, harassment, confidentiality breach, intellectual-property breach, disruptive conduct, or other conduct that Sarah Binks Consulting reasonably determines is inconsistent with participation in the Services.

Digital downloads, ebooks, templates, and immediately accessible digital products are final sale once purchased, accessed, or downloaded, except where a refund is required by applicable law. By purchasing a digital product, you understand that you may lose any cancellation or refund right once the digital product has been downloaded, accessed, opened, delivered, or made available to you.

Course and group program fees are non-refundable once access to course materials, recordings, community platforms, or live program components has been granted, except where a refund is required by applicable law or expressly stated in writing.

One-on-one coaching or consulting sessions require at least 48 hours notice to cancel or reschedule. Late cancellations, missed sessions, or no-shows may be charged in full.

If we cancel or materially reschedule a live session, we will use reasonable efforts to provide a replacement session, recording, credit, or other reasonable alternative.

Refunds do not apply because you did not use the Services, did not attend live sessions, changed your mind, lacked required technology, failed to complete materials, or did not achieve a desired result, except where required by law.

9. International customers and mandatory local laws

Sarah Binks Consulting is based in Ontario, Canada. The Services are administered from Ontario. Where permitted by law, these Terms are governed by Ontario law. However, some jurisdictions may provide mandatory consumer, privacy, tax, cancellation, or other statutory rights that cannot be excluded by contract. Nothing in these Terms is intended to limit rights that cannot legally be limited.

If you access or purchase Services from outside Canada, you are responsible for ensuring that your use of the Services complies with laws applicable to you.

10. Account access and technology

You are responsible for maintaining your own internet access, device, software, accounts, passwords, and technology required to access the Services. We are not responsible for your technical issues, internet interruptions, platform outages, or failure to access materials caused by your systems or third-party platforms.

You must keep account credentials confidential and must not share login credentials, course access, recordings, links, private community access, or restricted materials with any other person.

11. Intellectual property and limited licence

All Materials are owned by Sarah Binks Consulting or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws.

Subject to payment and compliance with these Terms, you receive a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Materials for your own personal learning or internal business use only.

You must not copy, reproduce, distribute, sell, license, sublicense, publish, upload, share, post, transmit, modify, translate, adapt, create derivative works from, publicly display, publicly perform, commercially exploit, or provide access to the Materials except as expressly permitted in writing.

You must not upload Materials, recordings, transcripts, templates, participant content, confidential information, or private community content into public artificial intelligence tools, model-training systems, or third-party systems in a way that may disclose, reproduce, train on, or commercialize the Materials or another participant's information.

12. User content

You retain ownership of content you submit, post, or share through the Services. By submitting content, you grant Sarah Binks Consulting a limited, non-exclusive, worldwide licence to use, host, display, reproduce, and process that content only as reasonably necessary to operate, deliver, administer, moderate, preserve, and improve the Services, comply with legal obligations, and enforce these Terms.

We will not use your identifiable testimonials, images, videos, voice, business name, or personal story in public marketing materials without your express consent.

13. Recordings, transcripts, and replays

Some live sessions, trainings, webinars, or group calls may be recorded or transcribed. Recordings may include participant names, images, voices, questions, chat messages, and contributions. Recordings and transcripts may be made available to participants in the applicable program, used internally for administration or improvement, or used to provide the Services.

You must not record, screenshot, copy, download, share, publish, distribute, or otherwise disclose recordings, transcripts, replays, chat content, participant information, or private program content without written permission.

14. Group confidentiality and community conduct

You must treat information shared by other participants in group programs, communities, calls, forums, chats, or comments as confidential. You must not disclose, publish, record, screenshot, identify, or use another participant's personal information, business information, comments, image, voice, or contributions without permission.

We cannot guarantee that other participants will maintain confidentiality. You should use judgment and avoid sharing sensitive, confidential, third-party, client/patient, proprietary, or legally privileged information in group settings.

Community rules

communicate respectfully and professionally;
do not harass, abuse, threaten, defame, intimidate, discriminate against, or exploit others;
do not solicit participants aggressively or in a way that disrupts the community;
do not post unlawful, misleading, offensive, infringing, confidential, or unauthorized content;
do not share another person's personal information without permission;
do not interfere with the operation, safety, or integrity of the Services.

We may remove content, suspend access, remove participants from communities or programs, or terminate access without refund where we reasonably determine that a participant has breached these Terms, created a legal or safety risk, disrupted the community, failed to pay fees, or misused the Services.

15. Non-solicitation of participants

During your participation in a group program or private community and for 12 months afterward, you must not use access to the Services primarily to solicit, divert, or market directly to other participants for services that are the same as or substantially competitive with Sarah Binks Consulting's paid services, except with our prior written consent. This clause does not prohibit ordinary networking, professional relationships that arise independently, or general marketing not targeted through misuse of the Services.

16. Confidentiality limits, safety, and legal obligations

Sarah Binks Consulting will use reasonable efforts to maintain the confidentiality of non-public information you provide through the Services. Confidentiality is subject to limits, including disclosures required or permitted by law, court order, regulatory request, child protection or safety obligations, professional obligations that may apply to Sarah, protection of rights, enforcement of these Terms, and disclosures to service providers and professional advisors.

Sarah Binks Consulting does not provide crisis support or emergency services. If you are in immediate danger or crisis, call 911 or go to the nearest emergency department. If you are in Canada and need mental health crisis support, contact local crisis resources or emergency services.

17. Duty to report and professional obligations

Although Sarah Binks Consulting is not providing therapy, psychotherapy, social work treatment, or clinical services through these Services, Sarah may have legal or professional obligations that apply because of her professional status, location, or the nature of information disclosed. These obligations may include child protection reporting, risk-of-harm obligations, court or regulatory compliance, or other duties that supersede confidentiality. Sarah is not required to obtain your consent before making a legally required report or disclosure.

18. Third-party platforms and links

The Services may use or link to third-party platforms, including payment processors, course platforms, video-conferencing services, social media platforms, scheduling tools, analytics tools, and embedded content. We are not responsible for third-party platforms, outages, terms, privacy practices, content, or security. Your use of third-party platforms may be governed by their own terms and policies.

19. Disclaimers

The Services and Materials are provided on an 'as is' and 'as available' basis. To the fullest extent permitted by law, Sarah Binks Consulting disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, uninterrupted access, error-free operation, and achievement of any particular result.

20. Limitation of liability

To the fullest extent permitted by law, Sarah Binks Consulting and its owners, contractors, employees, agents, representatives, and service providers will not be liable for indirect, incidental, consequential, special, punitive, exemplary, or aggravated damages, loss of profits, loss of revenue, loss of business, loss of opportunity, loss of data, loss of goodwill, business interruption, or damages arising from decisions made based on the Services.

To the fullest extent permitted by law, Sarah Binks Consulting's total aggregate liability arising out of or relating to the Services or these Terms is limited to the amount you paid to Sarah Binks Consulting for the specific Service giving rise to the claim in the three months before the event giving rise to the claim.

Nothing in these Terms excludes liability or limits rights that cannot legally be excluded or limited.

21. Indemnity

You agree to indemnify and hold harmless Sarah Binks Consulting and its owners, contractors, employees, agents, representatives, and service providers from and against claims, losses, liabilities, damages, costs, and expenses arising from your breach of these Terms, misuse of the Services, infringement of intellectual property or privacy rights, unlawful conduct, unauthorized disclosure of another participant's information, or content you submit.

22. Changes to Services and Terms

We may update, modify, suspend, discontinue, or replace parts of the Services from time to time, including platforms, delivery format, schedules, features, materials, and community access. We will use reasonable efforts to avoid materially reducing paid Services during an active access period without providing a reasonable alternative.

The Terms in effect at the time of purchase apply to that purchase unless a change is required by law, relates to new features, is administrative, or is accepted through continued use after notice. Material changes will apply prospectively where reasonably possible.

23. Termination

We may suspend or terminate your access to the Services without refund if you fail to pay fees, breach these Terms, misuse intellectual property, disrupt a group or community, violate confidentiality, create legal or safety risk, abuse staff or participants, or engage in unlawful or inappropriate conduct.

24. Force majeure

We will not be liable for delay, interruption, or failure to perform caused by events beyond our reasonable control, including illness, emergency, labour disruption, acts of God, pandemic, public health restrictions, war, terrorism, civil unrest, power failure, internet or platform outage, cyber incident, supplier failure, or government action.

25. Governing law, jurisdiction, and contract formation

To the fullest extent permitted by law, these Terms and any dispute arising from or relating to the Services are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law rules.

To the fullest extent permitted by law, the parties submit to the exclusive jurisdiction of the courts of Ontario, Canada. The contract is formed in Ontario, Canada when Sarah Binks Consulting accepts your order, registration, purchase, booking, or payment, or otherwise agrees to provide Services.

26. General

If any part of these Terms is found invalid or unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent. We may assign these Terms in connection with a business transfer, restructuring, merger, sale, or similar transaction. These Terms, the Privacy Policy, and any applicable written service-specific terms form the entire agreement between you and Sarah Binks Consulting concerning the Services.

27. Contact

Sarah Binks Consulting

Email: [email protected]

Mailing Address: PO Box 1572, Lakefield, Ontario, K0L 2H0 Canada

Website: www.sarahbinks.com