Terms and Conditions
đź“„ Terms and Conditions
Effective Date:Â June 27, 2025
Last Updated: June 27, 2025
Welcome to the Institute of Love and Wisdom website, operated by Rita Paiewonsky. By using this website and engaging with our services, you agree to the following terms and conditions:
1. Use of the Website
You agree to use this site for lawful purposes only. You must not use it in any way that causes harm, interferes with others’ use, or violates any laws or regulations.
2. Intellectual Property
All content on this website, including text, graphics, videos, and branding, is owned by the Institute of Love and Wisdom unless otherwise stated. You may not reproduce or distribute any content without written permission.
3. Coaching Disclaimer
Our coaching programs offer guidance, tools, and personal development support. They do not guarantee specific outcomes or results. Success depends on your commitment and participation. Our services are not a substitute for mental health or medical treatment.
4. Payments and Refunds
All prices are listed in US dollars. Payment is required in full unless a payment plan has been arranged. Refunds are only granted under the terms specified at time of purchase.
5. Cancellations and Rescheduling
We require 24 hours notice for rescheduling private sessions. Missed sessions may be forfeited at our discretion.
6. Limitation of Liability
We are not liable for any damages resulting from your use of the site or services. This includes direct, indirect, incidental, or consequential damages.
7. Governing Law
These terms are governed by the laws of the United States. Any disputes will be handled in the jurisdiction of the State of New York, United States.
8. Changes to These Terms
We may update these terms from time to time. Continued use of the site after changes constitutes acceptance of the new terms.
9. Contact Us
If you have any questions about these Terms and Conditions, please contact us at:
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