HCB Solutions Last Updated: September 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of heatherbradleycoaching.com (the "Site") and any coaching, courses, digital products, lead magnets, or other services offered by HCB Solutions ("we," "us," "our"). By accessing the Site or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or Services.

2. Eligibility

You must be at least 18 years old to use our Services or make a purchase. By using the Site, you confirm that you meet this requirement.

3. Lead Magnets and Opt-Ins

When you sign up for a free lead magnet, guide, checklist, or similar resource, you agree to provide accurate information (such as your name, email, and phone number where requested) and consent to receive related email communications, as described in our Privacy Policy. Free resources are provided for informational purposes only and do not create a coaching or client relationship.

4. Coaching, Courses, and Digital Products

a) Nature of Services

HCB Solutions provides personal development coaching, courses, and digital products. Our Services are for educational and informational purposes only and are not a substitute for professional medical, psychological, legal, financial, or therapeutic advice. You should consult an appropriately licensed professional for advice specific to your situation.

b) No Guaranteed Results

We do not guarantee specific outcomes, results, income, or transformation from participating in our coaching, courses, or programs. Your results depend on your own effort, circumstances, and actions.

c) Payments

Prices for coaching, courses, and digital products are listed at the time of purchase. Payment is due in full (or per any payment plan offered) before access is granted, unless otherwise agreed in writing.

d) Refunds

All sales are final. Refund terms specific to a particular offer will be stated at the point of purchase and will govern in the event of any conflict with this section.

e) Access to Digital Content

Access to courses, downloads, or digital products is granted for your personal, non-commercial use only, and may be time-limited or revoked in cases of misuse or violation of these Terms.

5. Intellectual Property

All content on the Site and within our Services including but not limited to text, graphics, logos, course materials, guides, videos, and branding is the property of HCB Solutions and protected by copyright and other intellectual property laws. You may not copy, reproduce, distribute, resell, or create derivative works from our content without our prior written permission.

6. User Conduct

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

Violate any applicable law or regulation

Infringe on the intellectual property rights of HCB Solutions or others

Share, resell, or distribute paid content without authorization

Attempt to disrupt or compromise the security of the Site

Use the Site or Services for any harmful, fraudulent, or misleading purpose

7. Testimonials and Communications

Any testimonials shared with us may be used in marketing materials in accordance with our Privacy Policy. Individual results and experiences shared by clients are personal to them and are not a guarantee of your own results.

8. Third-Party Tools and Links

Our Site and Services may use or link to third-party platforms (e.g., email providers, payment processors, scheduling tools, hosting services). We are not responsible for the practices, content, or availability of third-party services, and your use of them is subject to their own terms and policies.

9. Disclaimer of Warranties

The Site and Services are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the fullest extent permitted by law, HCB Solutions and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or Services, including but not limited to loss of income, data, or business opportunities. Our total liability for any claim arising from these Terms or our Services will not exceed the amount you paid to us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless HCB Solutions from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms or misuse of our Site or Services.

12. Governing Law

These Terms are governed by the laws of Los Angeles, California, without regard to conflict of law principles. Any disputes arising from these Terms or our Services will be resolved in the courts of Los Angeles County, California.

13. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Site or Services after changes are posted constitutes acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, contact us at:

HCB Solutions Email: [email protected] Website: heatherbradleycoaching.com