These Terms & Conditions apply when you use this website, book a service, attend a session/workshop, or purchase a digital product from Karen F Burke (“we”, “us”, “our”). By using this website or placing an order, you agree to these Terms.

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1) About us

Business name: Karen F Burke (trading as Karen F Burke / Simple Business Services where applicable)

We do not publish a physical address on this website. If you require an address for formal correspondence, please request it by email.

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2) Services covered by these Terms

These Terms apply to:

• 1:1 coaching sessions (online or in-person where offered)

• Coaching packages (multi-session programmes)

• Workshops / talks / speaking engagements (public, community or corporate)

• Digital products (e.g. PDFs, toolkits, templates, downloads, self-led guides)

• Any other services/products listed on this website from time to time

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3) Bookings and payment

3.1 Booking

• Bookings may be made as instructed.

• A booking is confirmed once you receive written confirmation (email or booking confirmation).

 

3.2 Payment

• Prices are shown in GBP (£) unless stated otherwise.

• Payment may be taken as instructed.

• Unless stated otherwise, sessions and packages must be paid in advance to secure your slot(s).

 

3.3 Late payment
If payment is not received by the agreed deadline, we may release the booking and offer the slot to someone else.

 

4) Coaching, Business and Finance terms

4.1 Nature of coaching and support
Coaching is supportive and practical. It is not a substitute for medical, legal, mental health, or regulated financial/investment advice.

 

4.2 Responsibility
You remain responsible for your decisions, actions and outcomes. We support and guide you, but we do not guarantee specific results.

 

4.3 Scope
If it becomes clear that you need specialist support (e.g. medical/clinical care, regulated financial advice, or legal advice), we may recommend you seek appropriate professional help.

 

5) Health & wellbeing

If you disclose health or wellbeing information, it is handled in line with our Privacy Policy. Coaching is not an emergency service. If you are in immediate danger or at risk of harm, contact emergency services (999 in the UK) or an urgent support line.

 

6) Rescheduling, cancellations and no-shows

6.1 Rescheduling

• You may reschedule a 1:1 session with at least 48 hours’ notice.

• Reschedules are subject to availability.

 

6.2 Cancellations

• If you cancel with 48+ hours’ notice, you may choose either:

  • to reschedule, or

  • to receive a credit to use within 60 days.

• If you cancel with less than 48 hours’ notice, the session fee is not refundable.

 

6.3 No-shows
If you do not attend and do not give notice, the session is treated as a no-show and is not refundable.

 

6.4 If we need to reschedule
If we need to reschedule, we will offer you the next available slot. If rescheduling is not possible, we will refund the session fee.

 

7) Coaching packages (multi-session programmes)

7.1 What a package includes
Package details (number of sessions, length, delivery format, and support included) will be stated on the relevant sales page or confirmed in writing.

 

7.2 Payment

• Packages are payable in advance unless a payment plan is agreed in writing.

• Where a payment plan is offered, all instalments must be paid on time. Missed payments may pause sessions until the account is up to date.

 

7.3 Expiry
Unless otherwise stated, package sessions must be used within the time specified.​ This keeps momentum and protects scheduling capacity.

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7.4 Rescheduling within packages

• The 48-hour notice rule applies to package sessions.

• Late cancellations/no-shows may be counted as used sessions, except at our discretion in exceptional circumstances.

 

7.5 Refunds for packages
Once a package has started (i.e. once the first session has taken place), package fees are non-refundable. You may request to transfer remaining sessions to a future date (within the expiry period) subject to availability.

 

8) Workshops, events and speaking engagements

8.1 Public workshops/events

• Tickets are non-refundable unless the event is cancelled or materially changed.

• Where possible, we may offer a transfer to a future date or credit at our discretion.

 

8.2 Corporate/workplace bookings
Corporate bookings are normally confirmed by proposal and invoice. Unless otherwise agreed in writing:

• A non-refundable admin fee may be charged to secure planning and scheduling.

• A deposit may be required to confirm the booking date (deposit amount stated on invoice).

• If the booking is cancelled:

  • 7+ days’ notice: deposit is retained; any additional paid fees may be credited (at our discretion)

  • Within 7 days: up to 50% of the total fee may be payable

  • Within 48 hours: up to 100% of the total fee may be payable
    This reflects preparation time, lost diary capacity and delivery planning.

 

9) Digital products (downloads) and Refund Policy

9.1 Delivery
Digital products are delivered via download link or email. Please ensure your email address is correct. If you don’t receive your download, contact us and we will help.

 

9.2 Refunds
Because digital products are made available immediately, refunds are not offered once the download has been delivered or access has been provided, except where:

• the file is faulty/corrupted,

• the wrong product was delivered,

• you were charged incorrectly,

• or there is a technical issue we cannot resolve within a reasonable time.

 

9.3 Statutory rights
Nothing in these Terms affects your legal rights. UK consumer law gives you rights where digital content is not as described, not fit for purpose, or not of satisfactory quality.

 

10) Discounts and promotions

Discount codes must be used at the time of purchase and cannot be applied retrospectively unless we agree otherwise. Promotions may be withdrawn at any time.

 

11) Intellectual property

All content and materials provided (including downloads, worksheets, templates, guides, recordings, and website content) are owned by us or licensed to us.

You may use purchased materials for your personal use (or internal business use if stated). You may not copy, share, resell, distribute, upload, or reproduce materials publicly, or use them to create competing products.

 

12) Confidentiality

We treat your information with respect and discretion. In rare circumstances, confidentiality may be broken where there is a serious risk of harm or where required by law.

 

13) Website use

You agree not to misuse the website, attempt unauthorised access, or introduce malware or harmful material.

 

14) Limitation of liability

We do our best to provide high-quality services and accurate information. To the extent permitted by law:

• We are not liable for indirect or consequential loss.

• Our total liability is limited to the amount paid for the service/product in question.

This does not exclude liability where it would be unlawful to do so (e.g. fraud).

 

15) Changes to these Terms

We may update these Terms from time to time. The latest version will always be posted on this page with the “Last updated” date.

 

16) Governing law

These Terms are governed by the laws of England and Wales, and any disputes will be handled by the courts of England and Wales.