Internal System Diagnostic

Growth Compass Coaching LLC
Effective date: November 13, 2025

These Terms of Use ("Terms") govern your access to and use of the website https://www.growthcompasslifecoaching.com (the "Site") and any content, materials, products, services, or programs offered by Growth Compass Coaching LLC ("Growth Compass Coaching," "Growth Compass Life Coaching," "we," "us," or "our") (collectively, the "Services").

By accessing or using the Site or Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Site or Services.

Please note: The information in these Terms is for general informational purposes and does not constitute legal advice. Laws vary by jurisdiction. You should consult a qualified attorney to ensure these Terms meet the legal requirements that apply to you.

1. Eligibility

By using the Site or Services, you represent and warrant that: you are at least 18 years of age (or the age of majority in your jurisdiction), or you are using the Site under the supervision and with the consent of a parent or legal guardian; and you have the legal capacity and authority to enter into these Terms and to comply with them.

If you do not meet these requirements, you must not access or use the Site or Services.

2. Nature of Services (Coaching, Not Therapy)

Growth Compass Coaching provides life coaching services, educational content, and personal development resources. Our Services are intended to support personal growth, self-awareness, mindset shifts, and goal achievement.

We are not providing medical, psychological, psychiatric, therapeutic, legal, financial, or other licensed professional advice.

Accordingly:

• The Services are not a substitute for medical, mental health, or other professional care.
• We do not diagnose, treat, or cure any physical or mental health condition.
• You should always consult with qualified healthcare providers or other professionals regarding any condition, question, or decision in their respective fields.
• If you are experiencing a crisis, emergency, or thoughts of self-harm or harming others, you should immediately contact emergency services or a qualified mental health professional.

Your decision to use our Services is voluntary and you understand that you are solely responsible for your own decisions, actions, and results.

3. Personal Responsibility and No Guarantees

You acknowledge and agree that:

• Your use of the Site and Services is at your own risk.
• Coaching and educational content offer tools and strategies, but results will vary from person to person.
• We make no guarantees or promises about specific outcomes, achievements, income, career results, relationship changes, or any other specific results.

You are solely responsible for your own choices, actions, interpretations, and implementation of any information or guidance provided through the Services. You agree that Growth Compass Coaching is not liable for any outcomes that result from your use or non-use of our content, coaching, or recommendations.

4. Accounts and Access

Some parts of the Site or certain Services (such as programs, courses, or membership areas) may require you to create an account, provide information, or log in via email or another method. You agree to:

• Provide accurate, current, and complete information when creating an account or submitting forms;
• Maintain the security and confidentiality of your login credentials;
• Notify us promptly of any unauthorized use of your account or any other breach of security;
• Take full responsibility for all activities that occur under your account.

We reserve the right, in our sole discretion, to suspend, restrict, or terminate your access to the Site or Services at any time, without notice, for any conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

5. Payments, Billing, and Refunds

We may offer paid Services, such as coaching sessions, packages, programs, or digital products. When you purchase any paid Service, you agree to:

• Provide current, complete, and accurate payment and billing information;
• Authorize us or our third-party payment processors to charge your chosen payment method for the total amount of your purchase, including any taxes or fees;
• Be responsible for all charges incurred under your account.

Refunds and Cancellations: Any refund, rescheduling, or cancellation policies for coaching sessions, packages, or programs will be described at the point of purchase, on the specific program page, or in your agreement or confirmation emails. Some Services may be non-refundable once purchased, especially digital products or sessions that have already been delivered or reserved. It is your responsibility to review any applicable refund or cancellation policy before completing your purchase.

If you have questions about billing, refunds, or cancellations, please contact us at support@growthcompasslifecoaching.com.

6. Intellectual Property

All content on the Site and within the Services, including but not limited to text, graphics, logos, icons, images, audio or video materials, downloadable resources, worksheets, course materials, coaching frameworks, and design elements (collectively, the "Content"), is owned by Growth Compass Coaching LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Content for your personal, non-commercial use only. You agree not to:

• Copy, reproduce, distribute, republish, upload, post, transmit, or publicly display any Content in any form or by any means without our prior written permission;
• Sell, license, or commercially exploit any portion of the Site, Services, or Content;
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices contained in the Content;
• Use the Site or Content for any unlawful or competing purpose.

Any unauthorized use of the Content or Site may violate intellectual property laws and may result in civil or criminal penalties.

7. User Conduct

When using the Site or Services, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law or regulation;
• Harass, threaten, abuse, or harm another person or interfere with other users' enjoyment of the Site or Services;
• Post or transmit any content that is defamatory, obscene, offensive, invasive of privacy, infringing, or otherwise objectionable;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Attempt to gain unauthorized access to any portion of the Site, accounts, computers, systems, or networks connected to the Site;
• Upload or transmit any viruses, malware, or other harmful code;
• Interfere with or disrupt the operation of the Site or servers or networks connected to the Site.

We reserve the right, but have no obligation, to monitor, remove, or edit content or user activity that we determine, in our sole discretion, violates these Terms or is otherwise objectionable.

8. Third-Party Services and Links

Our Site may contain links to third-party websites, products, or services, or may integrate with third-party tools (such as payment processors, scheduling platforms, analytics providers, or email services).

We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites or services. The inclusion of links or integrations does not imply endorsement by Growth Compass Coaching.

When you access a third-party site or service, you do so at your own risk and are subject to that third party's terms and policies. We encourage you to review their terms of use and privacy policies.

9. Disclaimers

To the fullest extent permitted by law:

• The Site, Services, and Content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.
• We do not warrant that the Site or Services will be uninterrupted, secure, or error-free, or that any defects will be corrected.
• We make no warranties or representations about the accuracy, reliability, completeness, or timeliness of the Content or any information provided through the Services.
• We expressly disclaim any and all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Coaching and educational materials are not guaranteed to produce specific results. You understand and agree that you are solely responsible for how you interpret and apply any information or guidance from the Services.

10. Limitation of Liability

To the maximum extent permitted by law, in no event shall Growth Compass Coaching LLC, its owners, officers, employees, contractors, or affiliates be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of income, loss of data, or emotional distress arising out of or in connection with your use of or inability to use the Site, Services, or Content, even if we have been advised of the possibility of such damages.

To the extent permitted by law, our total aggregate liability for any claim arising out of or relating to these Terms, the Site, Services, or Content shall not exceed the greater of: the amount you paid, if any, for the specific Service giving rise to the claim; or one hundred U.S. dollars (US $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless Growth Compass Coaching LLC, its owners, officers, employees, contractors, and affiliates from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: your use or misuse of the Site, Services, or Content; your violation of these Terms; or your violation of any rights of a third party, including intellectual property or privacy rights.

We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses.

12. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or relating to them, the Site, or the Services shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Site or Services shall be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you hereby consent to the personal jurisdiction and venue of such courts.

13. Changes to These Terms

We reserve the right to modify, update, or replace these Terms at any time, in our sole discretion. Any changes will be effective immediately upon posting the updated Terms on the Site, unless otherwise stated. Your continued use of the Site or Services after the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically to stay informed about our current policies.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with any other legal notices or policies posted on the Site (such as our Privacy Policy) and any separate written agreements governing specific Services, constitute the entire agreement between you and Growth Compass Coaching LLC regarding your use of the Site and Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.

16. Contact Us

If you have any questions about these Terms or our Services, please contact us at:

• Email: support@growthcompasslifecoaching.com
• Mailing Address: P.O. Box 501, Valrico, FL 33595

Growth Compass Coaching LLC
Effective date: November 13, 2025

This Privacy Policy describes how Growth Compass Coaching LLC ("Growth Compass Coaching," "Growth Compass Life Coaching," "we," "us," or "our") collects, uses, stores, shares, and protects personal information when you visit our website https://www.growthcompasslifecoaching.com (the "Site"), interact with us online, or use our services (collectively, the "Services").

By accessing or using our Site or Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site or Services.

Please note: The information in this Privacy Policy is for general informational purposes only and does not constitute legal advice. Privacy laws vary by jurisdiction. You should consult with a qualified attorney to ensure this policy fully satisfies the legal requirements that apply to you.

1. Who We Are

Growth Compass Coaching LLC is a life coaching business that offers coaching services, educational content, online resources, and related programs to individuals seeking personal growth and development.

If you have any questions about this Privacy Policy or our data practices, you may contact us at:

• Email: support@growthcompasslifecoaching.com
• Mailing Address: P.O. Box 501, Valrico, FL 33595

2. What Information We Collect

We may collect both Personal Information and Non-Personal Information about you.

Personal Information is information that identifies, relates to, or can reasonably be linked to an identified or identifiable individual. Depending on how you interact with us, this may include:

• Contact details: name, email address, phone number, mailing address
• Account details: username, password (if applicable)
• Billing and payment information: billing address, partial payment details (note: full credit card information is typically handled by our payment processors, not stored directly by us)
• Demographic information: such as age range, general location, or preferences (if voluntarily provided)
• Information related to coaching inquiries or sessions: goals, challenges, and other information you choose to share through forms or communications
• Technical identifiers: IP address, device type, browser type, and similar metadata

Non-Personal Information is information that does not identify you directly. This may include:

• Aggregated usage data (e.g., pages visited, time spent on the Site, referring URLs)
• Session information (page response times, download errors, length of visits, page interaction information, clickstream data)
• General location information derived from your IP address (e.g., country or city level)

3. How We Collect Information

Information you provide directly:

• When you fill out a contact form or booking form
• When you subscribe to our newsletter or email list
• When you schedule a discovery call or coaching session
• When you purchase a product or service
• When you complete questionnaires, assessments, or feedback forms
• When you communicate with us via email, phone, or other channels

Information collected automatically: When you visit our Site, certain information is automatically collected through cookies and similar technologies, such as: IP address, browser type and version, device type and operating system, pages you visit and time spent on them, links you click and referring/exit pages.

Information from third parties: We may receive information about you from third-party services that support our Site and Services, such as: payment processors, scheduling tools (e.g., Calendly), analytics providers (e.g., Google Analytics), email marketing platforms.

4. Why We Collect Your Information

We collect and use your information for the following purposes:

• To provide, operate, and maintain our Site and Services
• To respond to your inquiries, messages, and requests
• To schedule and manage coaching sessions, calls, and events
• To process payments and complete transactions
• To send you service-related communications (e.g., confirmations, updates, administrative messages)
• To send you newsletters, marketing messages, and promotional content (only where permitted by law and with your consent where required)
• To personalize your experience and improve our content, offerings, and user experience
• To analyze usage, monitor performance, and improve the functionality and security of the Site
• To comply with legal obligations, resolve disputes, and enforce our terms, policies, and agreements

If you are in the European Economic Area (EEA) or the United Kingdom (UK), we process your Personal Information based on one or more of the following legal bases: your consent; performance of a contract with you; compliance with a legal obligation; our legitimate interests (such as improving our services, marketing to existing or prospective clients, and ensuring the security of our systems), provided these interests are not overridden by your rights and interests.

5. How We Store, Use, and Protect Your Information

Site hosting (Wix): Our Site is hosted on the Wix.com platform. Your data may be stored through Wix.com's data storage, databases, and general applications. They store your data on secure servers behind a firewall.

Payments: All direct payment gateways offered by Wix.com and/or other third-party payment providers used by us are intended to adhere to standards set by the PCI-DSS as managed by the PCI Security Standards Council.

Data security: We use reasonable administrative, technical, and physical safeguards designed to protect your Personal Information from unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Data retention: We retain Personal Information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

6. How We Share Your Information

We do not sell your Personal Information. We may share your information in the following circumstances:

• Service providers: With trusted third-party service providers who perform services on our behalf (website hosting, payment processing, scheduling and calendar integrations, email marketing, analytics and performance tracking).
• Business transfers: If we are involved in a merger, acquisition, reorganization, sale of assets, or similar event, your information may be transferred as part of that transaction.
• Legal requirements: We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or to protect our rights, property, or safety or that of others.

7. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience, analyze usage, and support our services. Cookies are small text files placed on your device when you visit a website. We may use:

• Essential cookies – necessary for the Site to function properly
• Analytics cookies – to understand how visitors interact with the Site
• Functionality cookies – to remember your preferences

Third-party services such as Google Analytics may also place cookies or use similar tracking technologies. You can manage your cookie preferences through your browser settings.

8. Communications and Marketing

We may contact you using the Personal Information you provide to: respond to your messages and inquiries; confirm bookings, calls, or purchases; send administrative communications; send newsletters, updates, promotional content, or invitations to events, where permitted by law.

You can opt out of marketing emails at any time by clicking the "unsubscribe" link at the bottom of our emails or by contacting us at support@growthcompasslifecoaching.com.

9. Your Rights and Choices

Depending on your location and applicable law, you may have certain rights regarding your Personal Information, including:

• Access: The right to request confirmation of whether we process your Personal Information and to obtain a copy of that information.
• Correction: The right to request correction or updating of inaccurate or incomplete information.
• Deletion: The right to request that we delete your Personal Information, subject to legal obligations.
• Restriction: The right to request that we restrict the processing of your Personal Information in certain circumstances.
• Objection: The right to object to certain processing activities, including direct marketing.
• Portability: The right to request a copy of your Personal Information in a structured, commonly used, and machine-readable format.

To exercise any of these rights, please contact us at support@growthcompasslifecoaching.com. We may need to verify your identity before fulfilling your request.

10. Withdrawing Consent

If our processing of your Personal Information is based on your consent, you have the right to withdraw that consent at any time. Please contact us at support@growthcompasslifecoaching.com or send us mail to P.O. Box 501, Valrico, FL 33595. Withdrawing consent will not affect the lawfulness of any processing that occurred before the withdrawal.

11. Children's Privacy

Our Site and Services are primarily intended for adults. We do not knowingly collect Personal Information from children under the age of 13 (or the minimum age required by applicable law) without appropriate parental or guardian consent.

If you believe that a child has provided us with Personal Information without proper consent, please contact us at support@growthcompasslifecoaching.com.

12. International Data Transfers

Our business is based in the United States, and the Site may be accessed globally. If you are located outside of the United States, your information may be transferred to, stored, or processed in the United States or other countries where our service providers are located. Where required, we will take appropriate measures to ensure that your Personal Information receives an adequate level of protection.

13. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. Changes and clarifications will take effect immediately upon posting on the Site. If we make material changes, we will update the "Effective date" at the top of this page and may provide additional notice. We encourage you to review this Privacy Policy periodically.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

• Email: support@growthcompasslifecoaching.com
• Mailing Address: P.O. Box 501, Valrico, FL 33595