This page is maintained by Breaking The Pattern to describe the terms that apply to use of our website, ebooks, consultations, and related services. Please review it carefully. If you do not agree, please do not use the services.
1. Who we are
Breaking The Pattern ("we", "us", "our") offers educational content, ebooks, coaching, and consultation services across financial, physical, and spiritual wellbeing. These terms form an agreement between you and Breaking The Pattern.
2. Results disclaimer
Results vary from person to person. Every client's situation, effort, timeline, and starting point is different. Nothing on this website or in our programs guarantees a specific credit score change, financial outcome, health result, or spiritual experience.
Testimonials and case studies reflect the individual experiences of specific clients and are not a promise or projection of what you will experience. Your outcome depends on many factors, including personal effort, consistency, and circumstances outside our control.
3. Not professional advice
Our services are educational and coaching in nature. We are not attorneys, licensed financial advisors, medical providers, or licensed therapists, and nothing we provide constitutes legal, financial, medical, or mental-health advice. Consult a qualified professional before making decisions in those areas.
4. Bookings, payments and refunds
Consultations, ebooks, and program fees are described at the point of purchase or booking. Unless a specific refund policy is stated with a product or session, all sales are final once services are delivered or digital products are downloaded. Missed or late-cancelled appointments may be forfeited or rescheduled at our discretion.
5. Acceptable use
You agree to use the site and services lawfully and not to resell, redistribute, or reverse-engineer any ebook, program material, or paid content without written permission.
6. Intellectual property
All content on this site — including text, graphics, ebooks, worksheets, and program materials — is owned by Breaking The Pattern and protected by intellectual-property laws. Your purchase grants a personal, non-transferable license to use the materials for your own benefit.
7. Limitation of liability
To the fullest extent permitted by law, Breaking The Pattern is not liable for indirect, incidental, or consequential damages arising from your use of the website or services. Our total liability for any claim will not exceed the amount you paid us for the specific service giving rise to the claim.
8. Changes to these terms
We may update these terms from time to time. Updates take effect when posted to this page with a new "last updated" date. Continued use of the services after changes means you accept the new terms.
9. Contact
Questions about these terms? Reach us on the
contact page.