Terms of service.

TERMS & CONDITIONS

Last Updated: December 1 2025

Welcome to Michael Stoesz Strategic Solutions (“Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your use of our website, membership portals, coaching programs, digital products, and all related services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please discontinue use immediately.

1. USE OF SERVICES

You must be at least 18 years old to use our Services.

You agree not to:

  • Use our content for unlawful or unauthorized purposes

  • Copy, share, or distribute any program materials without permission

  • Attempt to hack, disrupt, or interfere with website functionality

  • Use the Services in a manner that harms our business or users

We reserve the right to restrict or terminate access to anyone who violates these Terms.

2. INTELLECTUAL PROPERTY

All content provided by the Company—including coaching materials, worksheets, exercises, videos, audio recordings, text, graphics, branding, and website content—is the exclusive property of Michael Stoesz Strategic Solutions.

You agree that you may not:

  • Copy, modify, or distribute content

  • Sell or license any materials

  • Share program materials publicly

  • Remove branding or copyright notices

You receive a limited, non-transferable, personal-use license to access purchased content.

3. COACHING & MEMBERSHIP ACCESS

Membership access levels vary based on subscription type (Basic or Premium).
Premium memberships may include workshops, monthly coaching sessions, or additional resources.

Unauthorized sharing of login credentials or materials may result in immediate removal without refund.

4. PAYMENT TERMS

By purchasing a membership, program, or product, you authorize us (or our payment processors) to charge the payment method provided.

4.1 Subscription Billing

Memberships may be billed:

  • Monthly

  • Annually

  • According to a payment plan

Your subscription will automatically renew unless cancelled prior to the renewal date.

4.2 Failed Payments

If a payment fails:

  • We may suspend access to your account

  • We may attempt to reprocess payment

  • We reserve the right to terminate your membership if unpaid

5. REFUNDS & CANCELLATIONS

Refund rules are outlined in the Refund & Cancellation Policy (see below).
By using our Services, you acknowledge acceptance of those terms.

6. DISCLAIMER

Coaching is educational and supportive in nature.
We do not provide:

  • Legal advice

  • Therapy or medical advice

  • Financial investment advice

  • Mental health diagnosis

(Full disclaimers appear in the dedicated Disclaimer page below.)

7. LIMITATION OF LIABILITY

To the fullest extent permitted by law, we are not responsible for:

  • Any direct, indirect, or incidental damages

  • Loss of data, income, profits, or business

  • Third-party actions or system failures

  • Misuse of program materials

  • Decisions you make based on coaching or content

You agree to use the Services at your own risk.

8. INDEMNIFICATION

You agree to indemnify and hold harmless Michael Stoesz Strategic Solutions from any claims, damages, or expenses resulting from your use of the Services or violation of these Terms.

9. TERMINATION

We may terminate your access at any time for:

  • Violation of these Terms

  • Abusive or harmful behavior

  • Fraudulent conduct

  • Unauthorized sharing of content

You remain responsible for any outstanding payments.

10. GOVERNING LAW

These Terms are governed by the laws of [British Columbia/Canada], without regard to conflict-of-law principles.

11. CONTACT

For questions, contact:
Email: support@michaelstoesz.ca
Website: www.michaelstoesz.ca

2. REFUND & CANCELLATION POLICY

Last Updated: December 1 2025

This Refund & Cancellation Policy (“Policy”) applies to all purchases made from Michael Stoesz Strategic Solutions, including memberships, coaching programs, workshops, courses, and digital products.

1. MEMBERSHIP REFUNDS

Monthly Memberships

  • Monthly dues are non-refundable once charged.

  • You may cancel anytime, and access will continue until the end of the billing cycle.

  • Future months will not be billed after cancellation.

Annual Memberships

  • Annual payments are non-refundable after the charge is processed.

  • You may cancel future renewals at any time.

  • Access remains for the remainder of the paid term.

No partial refunds or prorated credits are provided.

2. PREMIUM MEMBERSHIPS WITH COACHING

Premium memberships that include:

  • Monthly 1:1 coaching

  • Workshops

  • Courses

  • Specialty resources

are non-refundable due to the immediate access to downloadable and time-based services.

Missed coaching sessions are not refundable but may be rescheduled with advance notice (if applicable).

3. DIGITAL PRODUCTS

All digital purchases—including journals, worksheets, templates, courses, and downloadable materials—are non-refundable due to instant access.

4. COACHING PROGRAMS & INTENSIVES

High-ticket coaching programs (such as 10-week intensives) follow this policy:

  • All payments are final.

  • Payment plans are not cancellable once begun.

  • You are responsible for completing all scheduled payments.

  • No refunds are offered, even if you decide to stop participating.

This ensures integrity, accountability, and fairness in scheduling and preparation.

5. WORKSHOPS, EVENTS & LIVE TRAININGS

  • Tickets and registrations are non-refundable.

  • If you cannot attend, you may receive a replay (if available).

6. PAYMENT DISPUTES

Unauthorized chargebacks or disputes will result in:

  • Immediate revocation of access

  • Potential legal action

  • Recovery of fees and losses

Please contact us first—we are happy to help resolve issues.

7. CANCELLATION PROCESS

To cancel a membership:

  • Log into your account and cancel directly through the platform, or

  • Email us at support@michaelstoesz.ca with your cancellation request

  • Be sure to include the following: Full Name, email address used to sign up, reason for cancelling

Cancellations are effective immediately for future billing cycles only.

8. CONTACT

For refund inquiries, email:
support@michaelstoesz.ca

3. DISCLAIMER

Last Updated: December 1 2025

This Disclaimer applies to all content, coaching, programs, and Services provided by Michael Stoesz Strategic Solutions.

By using our website and Services, you acknowledge and agree to the terms below.

1. COACHING DISCLAIMER

The Company provides coaching, education, and strategic support. We do not provide therapy, counseling, clinical treatment, or medical services.

You understand that:

  • Coaching is not a substitute for mental health care

  • Coaching does not diagnose or treat any condition

  • You are responsible for your own decisions, actions, and results

If you require mental health support, please contact a licensed professional.

2. FINANCIAL DISCLAIMER

Although we offer education on financial strategy and money management:

  • We are not financial advisors

  • We do not manage money or investments

  • Nothing we provide should be considered regulated financial advice

All decisions involving money are your responsibility.

3. RESULTS DISCLAIMER

Results vary from person to person.

We do not guarantee:

  • Personal transformation

  • Financial improvement

  • Business growth

  • Emotional or relational outcomes

  • Specific achievements

Your success depends on your effort, commitment, and circumstances.

4. BUSINESS & WEBSITE DISCLAIMER

We offer guidance related to business strategy, personal mastery, relationships, careers, financial support/management and communication.

You acknowledge that:

  • Business outcomes are inherently unpredictable

  • We cannot guarantee revenue, clients, or performance improvements

  • You assume all responsibility for implementing suggestions

5. PROFESSIONAL DISCLAIMER

Nothing on our website or in our Services constitutes:

  • Legal advice

  • Financial advising

  • Medical advice

  • Mental health diagnosis

  • Tax consulting

  • Therapy

Always consult a qualified professional when necessary.

6. TESTIMONIALS

Testimonials represent individual experiences.
They do not guarantee that you will achieve the same results.

7. EMAIL, WORKBOOKS & DIGITAL MATERIALS

Content is for educational purposes only and should not be considered professional advice of any kind.

8. CONTACT

For questions about this Disclaimer:
support@michaelstoesz.ca

4. COOKIE POLICY

Last Updated: December 1 2025

This Cookie Policy explains how Michael Stoesz Strategic Solutions (“we,” “us,” “our”) uses cookies and similar technologies on our website.

1. WHAT ARE COOKIES?

Cookies are small data files stored on your device when you visit a website.
They help improve website functionality and track user behavior.

2. TYPES OF COOKIES WE USE

2.1 Essential Cookies

Required for website operation, including:

  • Account access

  • Security

  • Page navigation

  • Membership login functions

2.2 Performance Cookies

Used to understand how visitors interact with the website.

2.3 Functional Cookies

Enhance user experience by remembering:

  • Preferences

  • Settings

  • Language

2.4 Marketing & Advertising Cookies

Used for:

  • Retargeting ads

  • Tracking conversions

  • Optimizing ad performance

3. THIRD-PARTY COOKIES

We may allow trusted third parties to use cookies, including:

  • Google Analytics

  • Facebook Pixel

  • Email marketing providers

  • Advertising networks

  • Squarespace or Thinkific analytics tools

These providers have their own privacy policies.

4. MANAGING COOKIES

You may refuse or delete cookies through browser settings.
However, disabling cookies may impact website functionality.

5. CONSENT

By using our website, you consent to the use of cookies in accordance with this Policy.

6. CONTACT

For cookie-related inquiries:
support@michaelstoesz.ca