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Terms of Service

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Effective Date: March 25, 2026

Welcome to StefanoCossalter.com. These Terms of Service (“Terms”) govern your use of our website, services, programs, and products, including speaking engagements, communication coaching, public speaking coaching, workshops, consultations, training, future online courses, digital products, and related offerings (collectively, the “Services”). By using this website or booking, purchasing, or participating in any Service, you agree to these Terms. If you do not agree, please do not use our website or Services.

1. Services

1.1 Coaching, Consulting, and Communication Training

Our coaching, consulting, and communication training services are provided for educational, informational, professional development, and self-improvement purposes only. They are not legal, financial, medical, psychological, or psychiatric advice, diagnosis, or treatment.

1.2 Workshops, Trainings, and Speaking Engagements

All workshops, trainings, keynote presentations, seminars, and speaking engagements are provided for educational and informational purposes. Results are not guaranteed and depend on many factors, including your effort, implementation, and circumstances.

1.3 Courses and Digital Products

We may offer online courses, downloadable resources, recordings, workbooks, templates, and other digital products now or in the future. These materials are provided for personal or internal business use only, subject to these Terms and any additional terms provided at the time of purchase.

2. Eligibility

You must be at least 18 years old to purchase Services, enter into an agreement with us, or create an account on our website. By using our Services, you confirm that you are legally able to enter into these Terms.

3. Payment & Refunds

3.1 Payment

All fees are due in full at the time of booking unless a payment plan is offered in writing. Prices are listed in the currency stated at the time of purchase and are subject to change without notice.

3.2 Refund Policy

Coaching / Consulting Sessions
Cancellations or rescheduling requests require at least 24 hours’ notice. Sessions missed without at least 24 hours’ notice may be forfeited and are non-refundable.

Workshops / Trainings / Speaking Programs
Unless otherwise stated, all sales are final. No refunds will be provided once your spot has been reserved or the program has begun.

Custom Services / Speaking Engagements
Deposits, cancellation terms, rescheduling terms, and payment terms for custom services, corporate training, or speaking engagements may be set out in a separate written agreement. Where a separate agreement exists, that agreement will govern.

Digital Products / Courses / Downloads
All sales of digital products, downloadable materials, recordings, templates, workbooks, and online courses are final. No refunds will be provided once the product has been delivered, accessed, or made available.

3.3 Failed Payments

If a payment is declined, missed, or otherwise fails to process on the scheduled payment date, the Client will be notified and payment may be reattempted automatically. Access to services, sessions, programs, courses, content, or materials may be suspended immediately until the outstanding balance is paid in full.

If payment is not successfully resolved within 10 days of the original billing date, Cossalter Sales and Management Consulting Services Ltd. reserves the right to terminate access to the applicable Service without refund, cancel any remaining unused sessions or access, and require full payment of any outstanding balance owed.

Reinstatement of access may be permitted once all outstanding balances are paid in full, at the Company’s discretion.

The Client remains financially responsible for all charges incurred prior to termination, including any applicable administrative or recovery fees. Failure to complete payment does not constitute cancellation of any booking, payment plan, subscription, or other commitment.

We reserve the right to engage a third-party collections service or pursue legal remedies for unpaid balances where permitted by law.

3.4 Subscription / Membership Cancellation Policy

If subscriptions, memberships, course communities, or recurring programs are offered in the future, they will require at least 30 days’ written notice to cancel, unless otherwise stated in writing.

Cancellation requests must be submitted in writing to stefano@stefanocossalter.com or through the account cancellation method provided on the platform, where available.

Cancellation becomes effective 30 days from the date notice is received, not from the next billing date. Any payments scheduled within the 30-day notice period will still be processed and are non-refundable.

Access to subscription content, programs, communities, coaching, courses, or services will continue through the end of the 30-day notice period, after which access will be terminated.

Failure to use or access the subscription during the notice period does not waive payment obligations. Subscription fees are not prorated, refunded, or credited for partial use or early termination.

Non-payment does not constitute cancellation. If payment fails during the notice period, access may be suspended, but the outstanding balance remains due.

4. Assumption of Risk and Personal Responsibility

By participating in any of our Services, you acknowledge and agree that:

  • you are voluntarily participating and assume full responsibility for your choices, actions, and results;

  • you understand that coaching, communication training, workshops, and related Services may involve personal reflection, skill development, performance pressure, or mindset-related work;

  • you are solely responsible for how you use any information, strategies, or guidance provided through our Services;

  • you agree to seek appropriate professional advice where needed before making legal, financial, medical, mental health, or other important decisions.

5. No Guarantee of Results

We do not guarantee any specific outcome, including speaking success, business growth, client acquisition, revenue, confidence, audience response, media opportunities, or personal transformation. Your results depend on many factors beyond our control, including your experience, effort, preparation, implementation, and circumstances.

6. Workshops, Group Programs, and Future Courses

6.1 Participation and Conduct

If you participate in a workshop, group program, course, or community, you agree to behave respectfully and professionally. Disruptive, abusive, harassing, or inappropriate behavior may result in removal without refund.

6.2 Confidentiality in Group Settings

If you participate in group programs, masterminds, workshops, or course communities, you agree to respect the privacy and confidentiality of other participants. You may not share personal or business information disclosed by others without their permission.

6.3 Missed Sessions

You are responsible for attending scheduled sessions and engaging with program materials. We are not responsible for missed sessions, missed calls, missed trainings, or unused access unless otherwise stated in writing.

7. No Recording or Sharing

7.1 Recording Prohibited

You may not record, screenshot, photograph, capture, duplicate, or reproduce any coaching session, workshop, training, course, live call, presentation, or other Service without prior written permission.

7.2 Sharing Prohibited

You may not share, distribute, publish, stream, forward, resell, sublicense, or provide access to any paid or unpaid materials, recordings, calls, or content to any third party without express written consent.

7.3 Violation

Unauthorized recording, copying, or sharing is a violation of these Terms and may result in immediate termination of access without refund, as well as legal action where appropriate.

8. Intellectual Property

8.1 Ownership

All content, materials, and intellectual property provided through our website and Services are owned by Cossalter Sales and Management Consulting Services Ltd. and/or Stefano Cossalter, unless otherwise stated.

This includes, without limitation:

  • written content, articles, blog posts, and website copy;

  • speech frameworks, coaching methods, training concepts, and communication tools;

  • videos, audio, slides, presentations, downloads, templates, and worksheets;

  • course materials, recordings, and educational resources;

  • branding, graphics, logos, and design elements.

8.2 Limited License

When you purchase or access a Service, you are granted a limited, non-exclusive, non-transferable, revocable license to use the materials for your own personal or internal business use only.

8.3 Restrictions

You may not copy, reproduce, republish, upload, post, transmit, modify, create derivative works from, sell, license, distribute, or exploit our materials without prior written permission.

9. Website Use

You agree to use the website only for lawful purposes. You must not:

  • attempt to gain unauthorized access to any part of the website or its systems;

  • interfere with the security or operation of the website;

  • use the website to distribute spam, malware, or harmful code;

  • scrape, copy, or harvest content or data from the website without permission;

  • use the website in a way that is fraudulent, abusive, defamatory, or unlawful.

10. Third-Party Tools and Services

Our website and Services may use or link to third-party platforms and providers, including scheduling tools such as HubSpot, payment processors such as Stripe, analytics providers such as Google, video platforms, social media platforms, or course platforms.

We are not responsible for the content, availability, policies, security, or practices of third-party services. Your use of those services is subject to their own terms and privacy policies.

11. Accounts, Courses, and Member Access

If we offer user accounts, course dashboards, member areas, or protected content in the future, you are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

We reserve the right to suspend, restrict, or terminate accounts or access if we believe you have violated these Terms, shared access improperly, misused materials, or created a security risk.

12. Testimonials and User Content

If you submit a testimonial, review, comment, or other content to us, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, publish, display, edit, and adapt that content for marketing, promotional, educational, or business purposes, unless otherwise agreed in writing.

We may edit testimonials or submissions for length, clarity, grammar, formatting, or privacy, provided the overall meaning is not materially changed.

13. Disclaimer

Our website and Services are provided for informational, educational, and professional development purposes only. Nothing on this website or in our Services constitutes legal, financial, medical, mental health, or other regulated professional advice.

All Services and website content are provided “as is” and “as available,” without warranties of any kind, express or implied, to the fullest extent permitted by law.

14. Limitation of Liability

To the fullest extent permitted by law, Cossalter Sales and Management Consulting Services Ltd., Stefano Cossalter, and our employees, contractors, affiliates, agents, licensors, and service providers are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to:

  • your use of or inability to use the website or Services;

  • your reliance on information provided through the website or Services;

  • missed opportunities, lost profits, lost revenue, lost data, or business interruption;

  • third-party platforms, providers, or tools;

  • unauthorized access to your information or account.

If liability cannot be excluded, our total liability will not exceed the amount you paid us for the specific Service giving rise to the claim.

15. Indemnity

You agree to indemnify and hold harmless Cossalter Sales and Management Consulting Services Ltd., Stefano Cossalter, and our related parties from and against any claims, damages, liabilities, losses, costs, or expenses arising from your misuse of the website or Services, your breach of these Terms, or your violation of any law or third-party rights.

16. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

17. Changes to These Terms

We reserve the right to update these Terms at any time. Updated versions will be posted on this page with the effective date. Your continued use of the website or Services after changes are posted constitutes your acceptance of the revised Terms.

18. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the applicable laws of Canada, without regard to conflict of law principles.

19. Contact

If you have questions about these Terms, please contact:

Cossalter Sales and Management Consulting Services Ltd.
14-19148 124 Ave
Pitt Meadows, BC V3Y 2V2
Canada

Email: stefano@stefanocossalter.com
Phone: 1.604.338.9856

Effective Date: March 25, 2026

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