Terms of Service

Effective Date: August 25, 2026

Welcome to Navigating the Crossroads Life Coach.

These Terms of Service (“Terms”) govern your use of www.crossroadscoachdeb.com and the life coaching services, discovery calls, programs, resources, and other services offered by Navigating the Crossroads Life Coach (“Navigating the Crossroads,” “we,” “us,” or “our”).

By using this website, scheduling a session, purchasing coaching services, or otherwise using our services, you agree to these Terms.

1. Life Coaching Services

Navigating the Crossroads provides personalized life coaching designed to help individuals gain clarity, build confidence, identify meaningful goals, navigate transitions, explore career and purpose, and develop actionable steps toward personal growth.

Coaching is a collaborative process. The coach provides guidance, questions, tools, support, and accountability, while you remain responsible for your own decisions, actions, and results.

We do not guarantee any particular personal, professional, career, financial, relationship, or other outcome from coaching.

2. Coaching Is Not Therapy

Navigating the Crossroads provides life coaching, not psychotherapy or mental health treatment.

Coaching services are not intended to diagnose, treat, prevent, or cure mental health conditions and are not a substitute for services provided by a licensed therapist, psychologist, psychiatrist, physician, or other qualified healthcare professional.

Navigating the Crossroads does not provide medical, psychological, legal, financial, or other licensed professional advice.

If you are experiencing a mental health crisis, medical emergency, or believe you or someone else may be in immediate danger, please contact 911 or an appropriate emergency or crisis service.

3. Client Responsibility

By participating in coaching, you acknowledge that you are responsible for your own choices, decisions, actions, and well-being.

You decide whether and how to apply information, suggestions, exercises, resources, or strategies discussed during coaching.

You agree to communicate openly and honestly and to raise questions or concerns about the coaching process when appropriate.

4. Scheduling

Discovery calls and coaching appointments may be scheduled through our online scheduling platform, currently Acuity Scheduling.

You are responsible for providing accurate information when scheduling and for attending appointments at the agreed-upon time.

Appointment availability is not guaranteed.

5. Cancellations, Rescheduling, and Missed Appointments

Any cancellation, rescheduling, late-arrival, or missed-appointment policy presented when you schedule or purchase a coaching service will apply to your appointment.

We encourage clients to provide as much notice as possible when an appointment needs to be changed.

Navigating the Crossroads reserves the right to reschedule or cancel a session when reasonably necessary.

6. Fees and Payment

Pricing for paid coaching sessions, packages, or programs will be communicated before purchase.

Payment is due according to the terms provided at booking or checkout.

Any applicable refund, cancellation, package-expiration, or payment policies disclosed when you purchase a service are incorporated into these Terms.

7. Confidentiality

Navigating the Crossroads respects the privacy of coaching conversations and will make reasonable efforts to maintain the confidentiality of information shared during coaching.

However, life coaching is not psychotherapy, and communications between a client and life coach generally do not carry the same legally protected privilege that may apply to communications with certain licensed professionals.

Information may be disclosed when required by applicable law or when reasonably necessary to address an immediate safety concern.

8. Intellectual Property

Unless otherwise stated, content and materials created by Navigating the Crossroads—including website copy, worksheets, exercises, coaching materials, guides, downloads, graphics, branding, and educational resources—are owned by or licensed to Navigating the Crossroads Life Coach.

Materials provided to you are intended for your personal, non-commercial use.

You may not reproduce, distribute, sell, publish, modify for commercial use, or otherwise exploit these materials without prior written permission.

9. Website Use

You agree to use this website only for lawful purposes.

You may not:

Attempt to interfere with the website's security or operation
Use the website for fraudulent or unlawful activity
Submit false or misleading information
Attempt to gain unauthorized access to website systems
Copy or commercially exploit website content without permission

10. Testimonials

Testimonials appearing on our website reflect the personal experiences and opinions of individual clients.

Testimonials are not guarantees that you will experience the same or similar results. Coaching outcomes vary based on each person's circumstances, participation, goals, decisions, and actions.

11. Third-Party Services

Our website and services may use or link to third-party providers, including Squarespace, Acuity Scheduling, payment processors, email providers, and social media platforms.

Navigating the Crossroads is not responsible for the availability, content, security, terms, or privacy practices of third-party services.

Your use of third-party services may also be subject to their individual terms and privacy policies.

12. Disclaimer

The website, coaching services, information, and materials provided by Navigating the Crossroads are offered for personal development and educational purposes.

Services and website content are provided on an “as is” and “as available” basis to the fullest extent permitted by law.

We make no guarantee that coaching or use of our website or resources will produce any particular outcome.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Navigating the Crossroads Life Coach will not be responsible for indirect, incidental, special, consequential, or similar damages arising from your use of the website, coaching services, or materials.

You remain responsible for decisions and actions you take based on coaching conversations or website content.

Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law.

14. Changes to These Terms

We may update these Terms periodically.

The current version will be posted on the website with the applicable effective date. Continued use of the website or services after updated Terms become effective constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms may be directed to:

Navigating the Crossroads Life Coach

Website: www.crossroadscoachdeb.com

Email: Navigatingthecrossroads@gmail.com