1. Agreement to Terms

By accessing or using Neuro Stress Lab's website, services, or programs (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our Services.

These Terms constitute a legally binding agreement between you and Neuro Stress Lab ("we," "us," or "our"). Please read them carefully.

2. Services Description

Neuro Stress Lab provides premium stress elimination coaching programs that blend neuroscience-backed methodologies with holistic transformation strategies. Our services include:

One-on-one coaching sessions

Group coaching programs

Online courses and educational content

Assessments and personalized program design

Digital resources and tools

Community access and support

2.1 Nature of Services

IMPORTANT: Neuro Stress Lab is NOT a medical practice, healthcare provider, or therapeutic service. Our coaches are not licensed physicians, psychologists, or therapists unless explicitly stated otherwise.

Our programs are:

Educational and transformational coaching designed to help high-performing professionals manage stress

Based on neuroscience principles but not medical treatment

Complementary to, not a replacement for, medical or mental health care

2.2 No Medical or Mental Health Services

We do not:

Diagnose, treat, cure, or prevent any disease or medical condition

Provide psychotherapy or mental health treatment

Prescribe medications or medical interventions

Offer crisis intervention or emergency services

If you are experiencing a medical or mental health emergency, call 911, contact your physician, or go to the nearest emergency room immediately.

3. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. Account Registration and Security

4.1 Account Creation

To access certain Services, you may need to create an account. You agree to:

Provide accurate, current, and complete information

Maintain and promptly update your account information

Keep your password secure and confidential

Notify us immediately of any unauthorized access

4.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorized account access due to your failure to maintain security.

5. Programs and Enrollment

5.1 Program Investment

Our coaching programs require a financial investment ranging from $500 to $5,000 or more, depending on the program selected. Specific pricing, payment terms, and program details will be provided before enrollment.

5.2 Enrollment Process

Program enrollment is subject to acceptance and availability

We reserve the right to refuse service to anyone for any reason

A signed enrollment agreement and full or partial payment may be required

Program details, including duration, format, and deliverables, will be specified in your enrollment agreement

5.3 Program Requirements

By enrolling, you agree to:

Actively participate in coaching sessions and complete assigned work

Attend scheduled sessions or provide 24-hour notice for rescheduling

Engage with program materials and resources

Take personal responsibility for implementing guidance and strategies

6. Payment Terms

6.1 Fees and Payment

All fees must be paid as specified in your enrollment agreement

Payment plans may be available and will be detailed in your agreement

Prices are subject to change, but enrolled clients will honor their agreed-upon rate

All payments are processed securely through third-party payment processors

6.2 Late Payments

If payment is not received when due:

Your access to Services may be suspended

Late fees may apply as specified in your enrollment agreement

We reserve the right to terminate your enrollment for non-payment

6.3 Taxes

You are responsible for any applicable taxes, duties, or government charges related to your purchase.

7. Cancellation and No-Refund Policy

7.1 No Refunds

ALL SALES ARE FINAL. Once you enroll in a Neuro Stress Lab program and payment is processed, all fees are non-refundable under any circumstances. This policy applies regardless of:

Whether you have started the program

How many sessions you have attended

Your satisfaction with the services

Changes in your personal circumstances

Your ability to complete the program

By enrolling, you acknowledge and accept this no-refund policy.

7.2 Nature of Our Services

Our coaching programs are transformational services that require significant preparation, customization, and resource allocation. Once you enroll:

We reserve dedicated coaching time exclusively for you

We prepare personalized assessments and materials

We allocate resources and capacity that cannot be resold

You gain immediate access to proprietary content and frameworks

Due to the nature of these services and our business model, we cannot offer refunds.

7.3 Payment Plans

If you are on a payment plan:

You remain obligated to pay all installments for the full program fee

Cancellation or non-participation does not relieve you of payment obligations

Failure to pay will result in collections action and may impact your credit

Access to program materials and sessions may be suspended for non-payment

7.4 Program Modifications

While we cannot provide refunds, in extraordinary circumstances and at our sole discretion, we may consider:

Pausing your program for documented medical emergencies (maximum 90 days)

Adjusting session schedules to accommodate your availability

These accommodations are granted on a case-by-case basis and do not entitle you to any refund or credit.

7.5 Our Inability to Deliver Services

The only circumstance under which a refund may be provided is if Neuro Stress Lab is unable to deliver the contracted services due to:

Business closure or discontinuation of services

Coach unavailability with no suitable replacement

Other circumstances rendering service delivery impossible

In such cases, a pro-rated refund for undelivered sessions may be issued at our sole discretion.

8. Rescheduling and Missed Sessions

8.1 Rescheduling

You may reschedule sessions with at least 24 hours' notice

Rescheduling is subject to coach availability

8.2 Missed Sessions

Sessions missed without 24 hours' notice are forfeited and non-refundable

We are not obligated to provide makeup sessions for missed appointments

9. Intellectual Property

9.1 Our Content

All content, materials, and resources provided through our Services, including but not limited to:

Course materials and workbooks

Assessment tools and frameworks

Videos, recordings, and presentations

Written content, graphics, and designs

Proprietary methodologies and processes

...are protected by copyright, trademark, and other intellectual property laws. This content is owned by or licensed to Neuro Stress Lab.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our materials solely for your personal use in connection with your enrolled program. You may not:

Reproduce, distribute, or publicly display our materials

Create derivative works from our content

Use our materials for commercial purposes

Share access credentials or program materials with others

Remove copyright or proprietary notices

9.3 Client Materials

You retain ownership of any materials, insights, or content you create independently. However, by sharing feedback, testimonials, or ideas with us, you grant us a perpetual, royalty-free license to use them for business purposes (with appropriate privacy protections).

10. Confidentiality

10.1 Our Commitment

We maintain strict confidentiality regarding information you share during coaching sessions, subject to the limitations described below and in our Privacy Policy.

10.2 Exceptions to Confidentiality

We may disclose information when:

Required by law or legal process

Necessary to prevent imminent harm to you or others

You provide explicit written consent

Information is already publicly available

10.3 Your Responsibility

You agree to maintain confidentiality regarding proprietary methodologies, frameworks, and materials shared during your program.

11. Testimonials and Marketing

With your permission, we may use your:

Name, photo, and biographical information

Testimonials and success stories

Before-and-after results (in aggregated or anonymized form)

You may withdraw consent at any time by contacting us in writing. Testimonials already published may remain in use.

12. Disclaimer of Warranties

12.1 "As Is" Services

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

12.2 No Guarantee of Results

We do not guarantee specific results from our coaching programs. Results vary based on individual circumstances, commitment, and numerous factors beyond our control. Your success depends on your effort, dedication, and implementation of strategies.

12.3 Professional Advice Disclaimer

THE INFORMATION AND GUIDANCE PROVIDED THROUGH OUR SERVICES ARE FOR EDUCATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE MEDICAL, PSYCHOLOGICAL, LEGAL, OR FINANCIAL ADVICE. YOU SHOULD CONSULT APPROPRIATE PROFESSIONALS FOR SUCH ADVICE.

13. Limitation of Liability

13.1 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

13.2 Exclusion of Damages

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Lost profits or revenue

Loss of data or information

Business interruption

Personal injury or emotional distress

Any other intangible losses

13.3 Basis of the Bargain

These limitations apply even if we have been advised of the possibility of such damages. These limitations are fundamental elements of the basis of the agreement between us.

14. Indemnification

You agree to indemnify, defend, and hold harmless Neuro Stress Lab, its coaches, employees, contractors, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from:

Your use or misuse of our Services

Your violation of these Terms

Your violation of any third-party rights

Any information you provide to us

15. User Conduct

You agree not to:

Use our Services for any unlawful purpose

Harass, abuse, or harm our coaches or other users

Impersonate any person or entity

Interfere with or disrupt our Services or servers

Attempt to gain unauthorized access to our systems

Use automated systems (bots, scrapers) to access our Services

Share false or misleading information

Violate any applicable laws or regulations

Violation of these conduct rules may result in immediate termination of your access to our Services without refund.

16. Termination

16.1 Termination by You

You may terminate your enrollment in accordance with our cancellation policy (Section 7).

16.2 Termination by Us

We reserve the right to suspend or terminate your access to our Services immediately, without notice or refund, if:

You violate these Terms

You engage in abusive or inappropriate behavior

Payment obligations are not met

We cease offering Services

Required by law

16.3 Effect of Termination

Upon termination:

Your right to access Services immediately ceases

You remain responsible for any outstanding fees

Sections that by their nature should survive (including confidentiality, intellectual property, limitation of liability) remain in effect

17. Modifications to Services and Terms

17.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time. We will make reasonable efforts to notify enrolled clients of material changes affecting their programs.

17.2 Terms Changes

We may update these Terms periodically. Changes will be effective when posted on our website with a new "Last Updated" date. Continued use of our Services after changes constitutes acceptance of the updated Terms.

For material changes, we will provide notice via email or account notification.

18. Dispute Resolution

18.1 Informal Resolution

If you have a dispute with us, please contact us first at [email protected] to seek an informal resolution. Many issues can be resolved through direct communication.

18.2 Arbitration Agreement

If we cannot resolve a dispute informally within 30 days, you agree that any dispute arising from or relating to these Terms or our Services shall be resolved through binding arbitration rather than in court, except that:

Either party may seek injunctive relief in court for intellectual property or confidentiality violations

You may assert claims in small claims court if they qualify

18.4 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of the state of Maryland in the United States of America, without regard to conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the courts located in Maryland.

20. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

21. Entire Agreement

These Terms, together with our Privacy Policy and any enrollment agreement, constitute the entire agreement between you and Neuro Stress Lab regarding our Services and supersede any prior agreements.

22. No Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

23. Assignment

You may not assign or transfer these Terms or your rights under them without our written consent. We may assign these Terms without restriction.

24. Contact Information

For questions, concerns, or notices regarding these Terms, please contact [email protected]

25. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Effective Date: October 10, 2025
Last Updated: November 22, 2025

These Terms and Conditions are designed to protect both Neuro Stress Lab and our clients while establishing clear expectations for our coaching relationship.