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Terms of service
Monica Yates Health — General Terms & Conditions
Last updated: August 2025
These General Terms & Conditions ("Terms") govern your purchase and use of any product, program, course, coaching engagement, live event, or other service offered by Monica Yates Health LLC, a Georgia limited liability company ("Monica Yates Health," "we," "us," or "our"), through monicayateshealth.com and its associated pages, checkout providers, and course platforms (collectively, the "Site" and "Services").
By purchasing, registering for, accessing, or using any of our Services, you agree to be bound by these Terms, together with our Privacy Policy and any separate program or event agreement you sign at the time of enrollment. If you do not agree to these Terms, please do not purchase or use our Services.
Where you have signed a separate written agreement for a specific offering (for example, a live event or immersion Participant Agreement, or a 1:1 coaching agreement), that agreement governs that specific purchase. These Terms apply to all purchases and fill any gaps not addressed by a separate agreement.
1. Eligibility
Our Services are offered to individuals who are at least 18 years of age and able to enter into a legally binding contract. By purchasing, you represent and warrant that you meet these requirements and that the information you provide at checkout is current, complete, and accurate.
2. Our Products and Services
Monica Yates Health offers a range of paid offerings, which may include:
- Digital products, including online courses, meditations, masterclasses, and downloadable resources.
- Group programs and memberships.
- Live events, retreats, and immersions.
- 1:1 and group coaching engagements.
- Physical products sold through the Site.
Product descriptions, inclusions, and pricing are set out on the applicable Site page at the time of purchase. We may modify, add, or discontinue offerings at any time without notice.
3. Pricing and Currency
All prices are stated on the applicable checkout or product page at the time of purchase and, unless stated otherwise, are quoted in United States dollars (USD). Prices are subject to change without notice, but a change will not affect an order you have already completed. You are responsible for any taxes, duties, bank fees, or currency conversion charges applied by your payment provider.
4. Payment Terms
4.1 Payment in full or by payment plan
At checkout, where a payment plan is offered, you may choose to either:
- pay the total purchase price in full at the time of purchase; or
- pay in scheduled installments under the payment plan presented at checkout.
If you select a payment plan, the first installment is charged at the time of purchase and each remaining installment is charged automatically to your payment method on file every thirty (30) days (plus or minus two days) following the deposit, until the total purchase price is paid. Time is of the essence with respect to all payments.
Because a payment plan extends payment over time and increases our administrative and financial risk, the total amount payable under a payment plan may be higher than the pay-in-full price. The full plan total is disclosed at checkout before you purchase.
4.2 A payment plan is not a subscription or membership
A payment plan is a financing arrangement for a single, one-time purchase. It is not a subscription, a membership, or a recurring or ongoing service, and it does not renew.
Each installment is a partial payment toward one fixed total purchase price that you have already agreed to pay in full. Selecting a payment plan does not give you the right to cancel, pause, downgrade, or reduce your remaining installments, and it does not convert your purchase into a month-to-month or cancel-anytime arrangement. Choosing to pay over time does not change the nature of what you have purchased or the total amount you owe.
4.3 Obligation to pay in full
When you select a payment plan, you are committing to pay the entire purchase price. You remain responsible for paying the full amount owed regardless of whether you use, access, attend, complete, or benefit from the product, program, event, or service, and regardless of any change in circumstances, dissatisfaction, or any other claim to cancel or discontinue payment.
You agree that you will not dispute payments owed, cancel or remove the credit or debit card on file, or otherwise stop, delay, or reduce the installment payments due under your selected payment plan.
4.4 Failed or missed payments
You agree to keep a valid payment method on file and to ensure sufficient funds are available for each scheduled charge at least three (3) days before the charge date. If a scheduled payment fails or is declined, we may re-attempt the charge, and a fee of USD $30.00 per day may apply for each day a payment remains outstanding until the balance is cured. Continued non-payment may result in suspension or revocation of your access to the product or program until your account is brought current. Upon any payment default that is not cured within seven (7) days of written notice, all remaining amounts owed become immediately due and payable.
4.5 Chargebacks
Initiating a chargeback or payment dispute for a purchase made under these Terms, in place of contacting us to resolve a concern, is a breach of this agreement. In the event of an invalid chargeback, you remain liable for the full amount owed plus any associated fees and recovery costs.
4.6 Collections and remedies
If your account remains in default after reasonable notice, we reserve the right to refer the outstanding balance to a third-party collections agency and to recover the amount owed, together with any collection costs, reasonable attorneys' fees, and other costs incurred in recovering the debt. We further reserve the right to revoke your license to access any purchased materials and to decline future purchases while a balance remains outstanding.
5. Refund Policy
We are committed to providing high-quality products and resources. Please review product descriptions carefully, and contact our support team with any questions, before you purchase.
5.1 Digital products and programs
All sales of digital products, including but not limited to online courses, memberships, meditations, masterclasses, group programs, and downloadable resources, are final and non-refundable. Once your order is completed and access to the content is made available to you, we cannot offer a refund or exchange. Choosing a payment plan does not create a right to a refund of installments already paid; see Section 4.
5.2 Live events, retreats, and immersions
Refund and cancellation terms for live events, retreats, and immersions are governed by the specific Participant Agreement you sign at the time of registration for that event. Those terms, including any cancellation windows and the treatment of installment payments, take precedence for that purchase. Fees paid to third parties in connection with your attendance (for example, airfare, ground transportation, travel insurance, and accommodation) are never refundable by us.
5.3 Coaching engagements
Refund and cancellation terms for 1:1 and group coaching are governed by the specific coaching agreement you sign at the time of enrollment. Absent a separate agreement, coaching fees are non-refundable once the engagement has commenced.
5.4 Physical products
If you purchase a physical product through the Site, you may request a return within 14 days of receiving your order, provided that:
- the item is unused, unopened, and in its original packaging; and
- you provide proof of purchase (order number or receipt).
To request a return, email our support team at support@monicayateshealth.com with your order details and reason for return. Once approved, we will provide return shipping instructions. You are responsible for return shipping costs unless the item is defective or damaged on arrival. Refunds for approved returns are processed within 7 business days of our receiving the returned item and are issued to the original payment method only.
5.5 Damaged or defective items
If you receive a damaged or defective physical product, contact us within 7 days of delivery with photos of the issue, and we will arrange a replacement or refund at no additional cost to you.
5.6 How to request
All refund and return requests must be sent to support@monicayateshealth.com. Any processing fees associated with an approved refund may be deducted from the refunded amount.
6. Access and License
When you purchase a product, program, or course, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use that content for your own personal use only. You may not copy, reproduce, share, resell, redistribute, or use any part of the content for commercial purposes or personal branding, and you may not share your access with any other person. Any violation of this section may result in immediate revocation of your license without refund.
7. Intellectual Property
All content offered through the Site and Services, including names, materials, designs, text, graphics, audio, video, software, methodologies, teachings, and delivery methods, is the intellectual property of Monica Yates Health or its licensors and is protected by applicable intellectual property laws. You are not conveyed any ownership right or license except the limited license described in Section 6. You may not use our modalities, content, or materials in your own coaching or competing services.
8. Educational Purpose; No Professional Advice
All content created by Monica Yates Health is provided for informational and educational purposes only. It is not medical, psychological, legal, financial, or other professional advice, and it is not a substitute for care from a qualified professional. Our programs and coaching do not involve the diagnosis or treatment of any medical or mental health condition. You should consult an appropriate professional before acting on any information provided, and you should seek medical attention if you have or suspect you have a health condition. You are solely responsible for your own decisions and for the results of your participation. We do not guarantee any particular outcome or result.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Monica Yates Health and its members, managers, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, or for any loss of profits, data, or goodwill, arising out of or related to your purchase or use of, or inability to use, the Services. Our total aggregate liability for any claim arising out of or relating to the Services or these Terms will not exceed USD $500, regardless of the form of action and even if we have been advised of the possibility of such damages. The Services are provided on an "as is" and "as available" basis, without warranties of any kind except those that cannot be excluded by law.
10. Indemnification
You agree to indemnify and hold harmless Monica Yates Health and its affiliates, officers, employees, contractors, and agents from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Services, or your violation of any law or the rights of any third party.
11. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles.
11.1 Binding arbitration. Except as provided in Section 11.2, all disputes arising under or relating to these Terms will be finally resolved by confidential binding arbitration seated in Fulton County, Georgia, under the Commercial Arbitration Rules of the American Arbitration Association, by a single arbitrator. All claims must be brought on an individual basis; class, collective, and representative proceedings are expressly waived, and the arbitrator has no authority to consolidate claims or vary this waiver. Judgment on the award may be entered in any court of competent jurisdiction.
11.2 Exclusive venue for certain claims. Notwithstanding Section 11.1, we may bring any action for non-payment or for injunctive or equitable relief (including to protect our intellectual property) in the state or federal courts located in Fulton County, Georgia. The parties irrevocably submit to the jurisdiction of those courts, waive any objection to venue, and consent to service of process by mail.
11.3 Attorneys' fees. In any action or arbitration arising under these Terms, the prevailing party is entitled to recover its reasonable attorneys' fees and costs.
11.4 Jury waiver. The parties knowingly and voluntarily waive any right to trial by jury in any action arising under or relating to these Terms.
12. Changes to These Terms
We may update these Terms from time to time at our sole discretion. The most current version will always be posted on this page with the "Last updated" date above. Your continued use of the Site or Services after changes are posted constitutes your acceptance of the updated Terms.
13. Contact
Questions about these Terms should be sent to:
Monica Yates Health LLC support@monicayateshealth.com 3480 Peachtree Road NE, 2nd Floor, Atlanta, GA 30326, USA