Terms of Service & Disclaimer

Jo Ann Kobuke Coaching | The Kobuke Group, LLC

Last updated: 1/04/2026  •  Effective date: 1/04/2026

The Website and services are owned and operated by The Kobuke Group, LLC (the “Company,” “we,” “us,” or “our”). Jo Ann Kobuke Coaching is a brand name used by the Company; references to “Jo Ann Kobuke Coaching” in connection with these Terms refer to the Company.

These Terms of Service (“Terms”) govern your access to and use of our Website and your purchase or use of services, programs, and materials offered by the Company. If you do not agree to these Terms, do not use the Website or purchase services.

1. Acceptance of these Terms

By accessing or using the Website, or by purchasing any services or materials, you agree to these Terms. For purchases and bookings, you agree to these Terms through an affirmative action (for example, a required checkbox at checkout or booking).

2. Eligibility

You must be at least 18 years old to use the Website or purchase services.

3. Services; not medical or mental health treatment

We provide coaching, educational programs, and hypnotherapy services. We do not provide medical care, mental health treatment, psychotherapy, diagnosis, or crisis services.

4. Scheduling, rescheduling, cancellations, and no-shows (Pacific Time)

  • Session times are scheduled in Pacific Time. Early morning sessions may be available as shown on the scheduling calendar. Weekend sessions may be available by prior agreement only.

  • Appointment availability shown on the scheduling calendar may change from week to week. Evening sessions are not available..

  • To reschedule or cancel, use the reschedule/cancel link in your confirmation email, or notify us in Voxer. For Voxer, notice counts when received by us and reasonably readable, not when sent.

  • Changes must be made at least 48 hours before the session start time.

  • Late cancellations/reschedules inside 48 hours count as a used session, except for one (1) courtesy reschedule/cancellation per client.

  • If you are more than 10 minutes late, the session is considered a no-show and counts as a used session. If you arrive within 10 minutes, we use the remaining time; sessions are not extended.

  • You are responsible for showing up on time with a working connection and a private space.

  • If we need to reschedule, you do not lose the session; we will move it to the next available time.

5. Payments, refunds, and chargebacks

Fees are due at the time of purchase or enrollment unless a payment plan is offered at checkout. All prices are in U.S. dollars unless stated otherwise.

5.1 Payment plans and failed payments

If you choose a payment plan, you authorize us to charge your payment method automatically on the schedule shown at checkout. You are responsible for ensuring your payment method remains current.

If a payment fails, we may reattempt the charge. If payment is not received within 7 days of the due date, access to services and materials may be paused until the account is current.

5.2 Refunds

·   Digital products / downloads: Due to immediate access and the nature of digital content, digital products are non-refundable once delivered or accessed.

·   Coaching services: Coaching fees are non-refundable for sessions already delivered.

  If coaching ends early, we may, in our sole discretion, issue a issue a prorated refund for unused sessions based on the amount actually paid. The per-session rate is calculated as (total package price ÷ number of sessions). Sessions treated as used under our cancellation/no-show policy are not refundable. Any refund will not exceed the amount actually paid.

If coaching ends early and any scheduled installment payments remain, we may discontinue services and cancel any remaining scheduled installment payments to the extent permitted by the payment processor and applicable law.

Refund requests must be submitted in writing to [email protected]

·   Bonuses/recordings/materials: Any bonuses, recordings, or digital materials delivered are non-refundable and do not reduce the calculation of unused sessions unless expressly stated in writing at the time of purchase.

5.3 Chargebacks and payment disputes

If you have a billing concern, contact us first at [email protected] so we can try to resolve it.

If you initiate a chargeback or payment dispute, we reserve the right to suspend access to services and materials while the dispute is pending and to submit records to the payment processor. If the dispute is decided in our favor, you agree to reimburse us for chargeback-related fees we incur (including processor chargeback fees).

Billing disputes must be submitted in writing within 30 days of the charge, to the extent permitted by law.

6. Intellectual property

All Website content and program materials (including text, graphics, audio, video, PDFs, and other materials) are owned by the Company or licensed to us and are protected by intellectual property laws.

You receive a limited, non-exclusive, non-transferable license to access and use materials for your personal, non-commercial use. You may not reproduce, distribute, publicly display, sell, or create derivative works from our materials without prior written permission.

7. User submissions and testimonials

If you choose to submit a testimonial, review, or public comment about your experience with us (for example, by email, DM, a form, or social media), you give us permission to use it in our marketing (website, emails, and social media), in whole or in part. 

We will not publish your full name, photo, or other information that reasonably identifies you without your written permission.

We will not share private coaching communications or intake information as testimonials without your written permission.

You may revoke this permission at any time by emailing us; we will stop using the testimonial in new materials within a reasonable period of time, but we cannot retract materials already published or distributed.

8. Third-party links

We may link to third-party websites. We do not control and are not responsible for third-party content, availability, policies, or practices.

9. Termination

We may suspend or terminate your access to the Website, services, or materials if you violate these Terms, if payment is not received when due (including failed payments), if you initiate a chargeback or payment dispute, or if we believe continued participation is inappropriate or unsafe. Upon termination, access to any materials or portals may be revoked. Termination does not waive any rights or remedies.

10. Indemnification

You agree to indemnify and hold harmless the Company and its owners, officers, employees, contractors, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Website, violation of these Terms, or violation of any rights of another.

11. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to the Website or services.

To the maximum extent permitted by law, our total liability for any claim arising out of or relating to the Website or services will not exceed the amounts you paid to us for the services giving rise to the claim in the 12 months preceding the event giving rise to the claim.

12. Governing law; venue

These Terms are governed by the laws of the State of Washington, without regard to conflict-of-law rules.

Any dispute arising out of these Terms shall be brought in the state or federal courts located in King County, Washington, and you consent to jurisdiction and venue in those courts.

13. Changes to these Terms

We may update these Terms by posting a revised version and updating the “Last updated” date. Changes apply going forward. Material changes for active customers will be communicated by reasonable means when practicable.

14. Contact

Questions about these Terms: [email protected]

For Service of Process Only: The Kobuke Group, LLC ℅ United States Corporation Agents, Inc. 14205 SE 36TH ST STE 100, Bellevue, WA 98006-1553

15. Disclaimer

This Disclaimer applies to the Website and all services and materials provided by the Company.

15.1 Educational and informational only

The Website, coaching, hypnotherapy services, workshops, programs, emails, PDFs, and audio/video materials (including free resources) are provided for educational and informational purposes only.

15.2 Not medical or mental health care

We are not providing medical care, mental health treatment, psychotherapy, diagnosis, or crisis services. Nothing we provide is medical or mental health advice or a substitute for professional care. Do not disregard or delay seeking professional care because of information you receive from us. If you believe you may be experiencing an emergency, call 911 or your local emergency number.

15.3 Eligibility and safety

By using our services, you represent that you are not in an active crisis and that you will disclose information reasonably relevant to your participation and safety. We reserve the right to refuse, pause, or terminate services if we believe continuing is outside the appropriate scope of our services or may be unsafe, including where referral to a licensed provider is warranted.

15.4 Not legal, tax, accounting, or financial advice

Any discussion of money, budgeting, retirement, business decisions, divorce finances, or similar topics is general education and is not advice tailored to your situation. You are responsible for consulting your own licensed professionals for guidance specific to your legal, tax, or financial circumstances.

15.5 Personal responsibility; no guarantees

You are responsible for your own choices, actions, and results. We do not guarantee outcomes. Results vary based on many factors, including your circumstances, participation, and effort.

15.6 No warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

15.7 Legal limits

Nothing in this Disclaimer is intended to exclude or limit liability that cannot be excluded or limited under applicable law (including liability for gross negligence or willful misconduct.

16. Mobile Messaging (SMS) Terms

16.1 Program description

We send SMS messages for appointment reminders and scheduling updates. We do not send marketing texts unless you separately opt in.

16.2 Consent and frequency

By providing your mobile number and affirmatively opting in, you consent to receive SMS messages from us. Message frequency varies. Message and data rates may apply.

Consent to receive SMS messages is not a condition of purchase.

16.3 Opt-out and help

Reply STOP to cancel (you will receive no further messages). Contact us at [email protected] for help.

16.4 Carriers and delivery

Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission from your network operator.

16.5 Privacy

We use your mobile number to deliver messages you request and to administer appointments. We do not sell mobile numbers. See our Privacy Policy for more information.

Jo Ann Kobuke 2026 | All Rights Reserved

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