TERMS & CONDITIONS

Nicky Howard

Last updated: 9 November 2026

1. Introduction

Welcome to my website.

These Terms & Conditions apply to your use of the Nicky Howard website and to any services, sessions, workshops, events or online courses purchased or booked through it.

By using this website or booking a service, you agree to these Terms & Conditions.

Please read them carefully before making a booking or purchase.

In these Terms & Conditions, references to "I", "me" and "my" refer to Nicky Howard.

2. My Services

I offer a range of personal development and wellbeing services, which may include:

One-to-one sessions.
Spiritual and personal development sessions.
Workshops and events.
Online courses and learning materials.

The nature, format, duration and content of each service will be described on the relevant website page or booking information.

I reserve the right to make reasonable changes to the content or delivery of my services where necessary.

3. Bookings and Appointments

Bookings can be made through my website using the available booking facilities.

When making a booking, you agree to provide accurate and up-to-date information.

A booking is confirmed once the booking process has been completed and any required payment has been received.

You will receive confirmation of your booking using the contact details you provide.

Please ensure that you check your booking confirmation carefully.

4. Payments

Payments for sessions, workshops, events and online courses are made through the payment facilities available on my website.

All prices will be displayed before you complete your purchase.

Payment must be made in full unless an alternative payment arrangement has been agreed in advance.

Payments are processed through third-party payment providers (Stripe or PayPal). Your payment may also be subject to their terms and conditions.

I do not store your full payment card details.

5. Cancellations and Rescheduling

If you need to cancel or rearrange a one-to-one session, please contact me as soon as possible using the contact details provided on my website.

Any specific cancellation or rescheduling arrangements will be communicated at the time of booking.

Where a cancellation fee or notice period applies, this will be clearly explained before you confirm your booking.

If I need to cancel or rearrange a session, I will contact you to arrange an alternative appointment or discuss an appropriate refund.

Your statutory consumer rights are not affected by any cancellation arrangements.

6. Workshops and Events

Workshop and event bookings are subject to availability.

Information about dates, times, locations, online access and prices will be provided before booking.

If an event needs to be cancelled or significantly changed by me, I will contact you and explain the available options, including any applicable refund.

Where an event takes place on a specific date, statutory cancellation rights may differ depending on the nature of the event and applicable consumer law.

Any applicable cancellation terms will be made clear at the time of purchase.

7. Online Courses and Digital Content

Online courses and digital materials are provided for personal use only.

Once access has been granted, you agree:

Not to share your login details with other people.
Not to copy, reproduce, distribute or resell course materials.
Not to share paid content without my written permission.
To use the materials for your own personal learning and development.

Access to courses and materials will be provided as described on the relevant course page.

Where course access is provided for a specific period, this will be explained before purchase.

Digital content does not remove your statutory consumer rights. Where immediate access to digital content is requested, any applicable cancellation rights will be explained and the required consent and acknowledgement obtained before access begins.

8. Consumer Rights and Refunds

Nothing in these Terms & Conditions affects your statutory rights under UK consumer protection law.

For most online purchases of services and digital content, consumers may have a 14-day cancellation period, subject to the applicable legal rules and exceptions.

For services, if you expressly request that the service begins during the cancellation period, you may be required to pay for the proportion of the service already provided if you subsequently cancel.

For digital content supplied immediately, you may lose your cancellation right once supply begins where you have expressly consented to immediate access and acknowledged that you will lose that right.

Some date-specific leisure and event bookings may be exempt from the usual cancellation period.

Where a refund is due, it will be processed using the original payment method unless another arrangement is agreed.

9. Your Responsibilities

By booking or participating in my services, you agree to:

Provide accurate information when booking.
Treat me and other participants with respect.
Participate in sessions, workshops and events responsibly.
Respect the privacy and confidentiality of other participants.
Not record, reproduce or distribute sessions or course materials without permission.
Take responsibility for your own decisions and personal development.

I reserve the right to refuse or discontinue participation where someone's behaviour is inappropriate, disruptive or unsafe.

Any refund entitlement will be considered in accordance with applicable consumer law and the circumstances.

10. Confidentiality

I respect your privacy and treat personal information shared during sessions as confidential.

I will not disclose personal information unnecessarily.

However, confidentiality cannot be guaranteed in every circumstance. Information may need to be disclosed where required by law or where there is a serious concern relating to someone's safety or the safety of others.

If you participate in group workshops or events, I ask all participants to respect the privacy of others and not share personal information discussed within the group.

11. Intellectual Property

All content on my website and within my services, including written materials, course content, videos, recordings, resources, images and other materials, belongs to Nicky Howard unless otherwise stated.

These materials are protected by intellectual property and copyright laws.

You may use purchased materials for your own personal learning and development.

You must not copy, reproduce, distribute, publish, sell or commercially use any materials without my prior written permission.

12. Website Use

I aim to keep my website accurate, accessible and up to date.

However, I cannot guarantee that the website will always be available or free from technical interruptions.

I reserve the right to update, amend or remove website content where necessary.

You agree not to misuse the website, attempt unauthorised access or interfere with its operation.

13. Limitation of Liability

My services are intended to support personal development, self-awareness and wellbeing.

I do not guarantee particular personal, emotional, spiritual or professional outcomes.

To the fullest extent permitted by law, I am not responsible for losses arising from decisions you make independently based on information or materials provided through my services.

Nothing in these Terms & Conditions excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your statutory consumer rights.

14. Privacy and Data Protection

Your personal information is handled in accordance with my Privacy Policy, which is available on my website.

By using my website or booking my services, you acknowledge that you have had the opportunity to read the Privacy Policy.

15. Changes to These Terms

I may update these Terms & Conditions from time to time to reflect changes to my services, business practices or legal requirements.

The latest version will always be published on this page.

Any changes will not affect rights you already have under an existing booking or purchase.

16. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.

If you are a consumer living elsewhere in the UK, you may also have additional rights under the laws that apply where you live.

Nothing in these Terms & Conditions affects any mandatory consumer protections that apply to you.

17. Contact Information

If you have any questions about these Terms & Conditions, please contact me.

Nicky Howard

Email: intuartiv@gmail.com

Website: www.nickyhoward.com