CANCELLATION & REFUND POLICY
Rescheduling
Life happens, and reasonable requests will always be considered.
If you need to reschedule an appointment, a minimum of 48 hours' notice is required.
Appointments rescheduled with more than 48 hours' notice may be moved to a mutually convenient alternative date without penalty.
Requests received with less than 48 hours' notice may result in the forfeiture of the appointment and any fees paid.
Rescheduling is permitted once per booking. Any additional requests may be treated as a cancellation.
Cancellations
Due to the preparation, administration, and time reserved specifically for you, the following cancellation terms apply.
More Than 48 Hours' Notice
You may cancel your appointment and receive a refund minus any payment processing fees, administrative costs, or other non-recoverable expenses already incurred.
Less Than 48 Hours' Notice
No refunds will be issued for cancellations made less than 48 hours before the scheduled appointment time.
Failure to Attend (No-Show)
If you fail to attend your scheduled appointment without notice, your session will be considered forfeited and no refund, credit, transfer, or replacement appointment will be offered.
Late Arrival
If you arrive late for a session, the appointment will still end at the scheduled time.
Sessions will not be extended beyond their allocated duration.
Clients arriving more than 15 minutes late may be treated as a missed appointment and the session may be forfeited.
Stuart James-Foy Cancellations
In the unlikely event that Stuart James-Foy is unable to deliver a scheduled service due to illness, emergency, technical failure, or other unforeseen circumstances, clients will be offered either:
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A full refund, or
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A mutually agreed alternative appointment date.
Force Majeure
Neither Stuart James-Foy nor the client shall be liable for any delay, cancellation, interruption, or inability to perform obligations arising from circumstances beyond their reasonable control.
Such circumstances may include, but are not limited to:
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Serious illness
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Hospitalisation
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Family emergency
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Bereavement
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Internet failure
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Power outages
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Severe weather
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Travel disruption
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Government restrictions
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Natural disasters
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Technical failures
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Other unforeseen events beyond reasonable control
Where reasonably possible, both parties shall work together in good faith to reschedule or make alternative arrangements.
No party shall be considered in breach of these terms where such circumstances occur.
Chargebacks & Payment Disputes
By purchasing any service or product from Stuart James-Foy, you agree to contact Stuart James-Foy directly to seek resolution of any concerns before initiating a chargeback, payment dispute, reversal, or claim through your bank, credit card provider, payment processor, or financial institution.
Where a chargeback or payment dispute is initiated for a service that has been booked, delivered, partially delivered, attended, accessed, downloaded, reserved, or otherwise made available, Stuart James-Foy reserves the right to provide all relevant evidence in support of the transaction.
Such evidence may include, but is not limited to:
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Booking records
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Signed agreements
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Attendance records
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Email correspondence
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Application forms
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Invoices
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Payment confirmations
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Access records
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Copies of applicable policies and agreements
Fraudulent, abusive, or bad-faith chargebacks may result in the immediate termination of services, cancellation of future bookings, and refusal of future service.
Nothing in this policy limits any rights available to consumers under applicable law.
Containers, Retreats & Programmes
Private mentoring, coaching programmes, containers, retreats, immersion experiences, and other longer-term engagements may be subject to separate written agreements.
Where such an agreement exists, that agreement shall take precedence.
DISCLAIMER
General Disclaimer
All services are provided in good faith for educational, personal development, spiritual exploration, mentoring, coaching, and entertainment purposes only.
Services are not intended to diagnose, treat, cure, or prevent any medical, psychological, psychiatric, or health condition and are not a substitute for professional medical, legal, financial, business, accounting, tax, counselling, psychological, psychiatric, or other professional advice.
Clients should seek appropriate professional advice from suitably qualified professionals where required.
No Guarantees
Every client, business, circumstance, and situation is unique.
No guarantee is made regarding any specific outcome, achievement, result, experience, financial gain, business success, client acquisition, revenue growth, profitability, manifestation, spiritual experience, healing outcome, relationship outcome, paranormal outcome, or life result.
Testimonials, reviews, endorsements, media appearances, case studies, and client experiences are provided for illustrative purposes only and should not be interpreted as a promise, prediction, warranty, or guarantee of future results.
Business & Financial Disclaimer
Results vary from person to person and business to business.
Outcomes depend upon many factors, including but not limited to:
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Individual effort and commitment
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Consistency of implementation
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Personal responsibility and decision-making
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Willingness to take action
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Existing skills, knowledge, and experience
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Timing
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Market demand
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Economic conditions
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Competition
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Industry trends
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Platform and algorithm changes
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External events beyond anyone's control
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Other variables outside the control of Stuart James-Foy
Stuart James-Foy is responsible for providing the agreed guidance, mentoring, support, education, or consultation.
Clients remain solely responsible for their own actions, decisions, implementation, interpretations, and outcomes.
Personal Responsibility
By engaging with any service, programme, mentoring relationship, reading, consultation, activation, ritual, retreat, digital product, or other offering, you acknowledge and accept that you are fully responsible for the choices you make and the actions you take following any guidance or information received.
Psychic, Mediumship & Spiritual Services
Psychic, mediumship, intuitive, spiritual, energetic, ritual, activation, and paranormal services are subjective experiences.
No guarantee is made regarding:
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The receipt of specific information
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Spirit communication
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Messages from particular individuals in spirit
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Spiritual experiences
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Energetic outcomes
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Manifestation outcomes
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Personal interpretations
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Paranormal outcomes
Individual experiences will vary.
Limitation of Liability
To the fullest extent permitted by law, Stuart James-Foy accepts no responsibility or liability for any loss, damage, injury, business loss, loss of profits, loss of revenue, loss of opportunity, financial decision, investment decision, relationship outcome, personal outcome, spiritual outcome, commercial outcome, or other consequence arising directly or indirectly from the use of any service, information, guidance, recommendation, or material provided.
Nothing in this Disclaimer excludes or limits liability where such exclusion is prohibited by applicable law.
Session Privacy & Participation Policy
To maintain the integrity, confidentiality, and effectiveness of the session, all appointments are conducted on a one-to-one basis unless otherwise agreed in advance by Stuart James-Foy.
The client booking the session must be the only person present during the appointment.
No other individuals may listen to, observe, participate in, monitor, or otherwise be present during the session, whether in person, off-camera, on-camera, in the same room, or through electronic means.
Clients are responsible for ensuring they are in a private, quiet, and uninterrupted environment for the duration of the session.
The use of headphones is recommended where appropriate to help maintain privacy.
Unauthorised third-party participation may result in the session being terminated or rescheduled at Stuart James-Foy's discretion.
Clients are welcome to take personal notes during the session; however, recording of any kind is strictly prohibited.
Client Suitability &
Personal Responsibility
By booking or participating in any service, programme, consultation, reading, mentoring relationship, activation, ritual, retreat, or other offering provided by Stuart James-Foy, you confirm that you are mentally, emotionally, and physically capable of participating and taking responsibility for your own wellbeing, decisions, and actions.
Services provided by Stuart James-Foy are intended for individuals who are able to engage in personal development, spiritual exploration, mentoring, coaching, and guidance in a responsible and self-directed manner.
Services are not therapy, counselling, psychotherapy, psychiatric treatment, crisis intervention, medical treatment, or healthcare services.
If you are experiencing severe emotional distress, suicidal thoughts, psychosis, delusions, hallucinations, serious mental health concerns, or any condition requiring clinical support, you should seek assistance from an appropriately qualified medical, psychological, psychiatric, or healthcare professional.
Stuart James-Foy reserves the right to decline, postpone, suspend, or terminate services where he reasonably believes that a service is unsuitable for an individual's current circumstances, wellbeing, needs, or level of readiness.
By engaging with any service, you acknowledge that you remain solely responsible for your own wellbeing, decisions, actions, interpretations, and outcomes both during and after the service.
Recording Policy
To protect the privacy, integrity, intellectual property, and confidential nature of all services, clients are strictly prohibited from recording any session, consultation, reading, mentoring call, activation, ritual, coaching session, retreat, workshop, programme, or other interaction with Stuart James-Foy.
This prohibition includes, but is not limited to:
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Audio recording
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Video recording
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Screen recording
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Screen capture software
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Mobile phone recording
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Third-party recording applications
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Artificial intelligence transcription tools
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Live streaming
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Any other method of capturing, reproducing, storing, or distributing session content
Clients are welcome to take handwritten or typed personal notes for their own private use.
Any unauthorised recording, reproduction, distribution, publication, sharing, sale, or commercial use of session content may result in the immediate termination of services without refund and may constitute a breach of copyright, confidentiality, intellectual property rights, and these Terms & Conditions.
By booking a service, clients acknowledge and agree to this Recording Policy.
Professional Conduct & Right to Refuse Service
I am committed to providing a professional, respectful, and supportive environment for all clients. I reserve the right to refuse service, decline a booking, reschedule, or terminate a session at any time where a client's behaviour is abusive, aggressive, threatening, discriminatory, disruptive, inappropriate, or otherwise prevents the session from proceeding in a professional manner.
Where a session is terminated due to a breach of this policy, no refund will be provided.
I also reserve the right to refuse service, decline future bookings, or discontinue a professional relationship at my sole discretion.
For the avoidance of doubt, I am under no obligation to provide a reason for refusing, declining, or discontinuing services.
That last paragraph gives you the protection you're looking for without sounding defensive. It simply establishes that you retain discretion over who you work with.
I would place this under a heading such as Professional Conduct, Respectful Behaviour & Right to Refuse Servicewithin your Service Terms and Conditions. It sits very naturally alongside your existing recording policy, safeguarding provisions, and cancellation policy.