These Terms and Conditions govern your use of the Daily Bread Coaching website, services, coaching sessions, digital communications, forms, resources, scheduling tools, payment tools, and related offerings. By visiting the website, booking a session, submitting a form, making a payment, participating in coaching, or communicating with Daily Bread Coaching, you agree to these Terms and Conditions.

Daily Bread Coaching provides spiritual coaching, encouragement, faith-based guidance, personal growth support, and life and vocation discernment from a Christian perspective. Daily Bread Coaching does not provide licensed therapy, mental health counseling, medical care, psychiatric care, legal advice, financial advice, emergency services, or crisis intervention.

Terms & Conditions

1. Eligibility and Acceptance of Terms

Daily Bread Coaching offers spiritual coaching intended to support personal reflection, spiritual growth, faith-based encouragement, discernment, goal setting, accountability, and practical next steps. Coaching may include conversation, prayer, Scripture reflection, spiritual encouragement, personal development exercises, written resources, planning tools, and follow-up discussion.

Spiritual coaching is a collaborative process. Daily Bread Coaching may offer guidance, questions, encouragement, resources, observations, and suggested next steps, but you remain responsible for your own decisions, actions, beliefs, relationships, finances, health care, legal matters, and personal choices.

Daily Bread Coaching does not guarantee any specific spiritual, emotional, relational, financial, professional, vocational, health-related, or personal outcome.

2. Not Therapy, Medical Care, Legal Advice, or Emergency Support

Daily Bread Coaching is not a substitute for therapy, mental health counseling, medical treatment, psychiatric care, legal advice, financial advice, pastoral counseling provided by a church, or emergency services.

Daily Bread Coaching does not diagnose, treat, cure, or prevent any mental health condition, medical condition, trauma condition, substance-use issue, relationship disorder, or psychiatric concern. Coaching conversations are not therapist-client communications, are not medical records, are not protected health information under HIPAA, and are not guaranteed to be legally privileged.

If you are experiencing a medical emergency, mental health emergency, suicidal thoughts, thoughts of harming another person, abuse, immediate danger, or any crisis requiring urgent help, call 911, contact emergency services, contact a crisis hotline, or seek help from a qualified licensed professional immediately. Daily Bread Coaching is not an emergency service and does not monitor communications for emergencies.

3. Client Responsibility

You are responsible for determining whether spiritual coaching is appropriate for you. You agree to participate honestly, respectfully, and voluntarily. You are responsible for your own decisions, actions, spiritual practices, relationships, health care, legal matters, financial choices, and personal outcomes.

You agree not to rely on Daily Bread Coaching as a replacement for licensed professional care when professional care is needed. If you have medical, mental health, legal, financial, or safety concerns, you should seek appropriate support from a qualified professional.

You agree to provide accurate information when booking, completing forms, making payments, or communicating with Daily Bread Coaching. You also agree not to submit unnecessary medical records, therapy records, diagnoses, medication details, financial records, legal documents, or emergency mental-health information unless you voluntarily choose to share such information and it is relevant to the coaching relationship.

4. Faith-Based Nature of Services

Daily Bread Coaching is a Christian spiritual coaching service. Coaching may include Christian beliefs, biblical reflection, prayer, spiritual encouragement, and faith-based discussion. By using Daily Bread Coaching’s services, you understand that the services may be provided from a Christian worldview.

Daily Bread Coaching aims to treat clients with dignity, respect, and care. Participation in coaching does not require agreement with every statement, interpretation, belief, or suggestion offered during coaching. You remain responsible for your own beliefs, convictions, choices, and spiritual decisions.

5. Scheduling and Sessions

Sessions may be scheduled through the website, by email, through calendar tools, or through another approved scheduling method. Daily Bread Coaching may use Wix, Google Workspace, Google Calendar, Google Meet, or other tools to manage scheduling and communications.

You are responsible for attending sessions on time and using the correct meeting link. If you are late, the session may still end at the originally scheduled time. If Daily Bread Coaching is late or needs to reschedule, reasonable efforts will be made to provide the remaining time, reschedule the session, or offer another fair resolution.

Video sessions are generally conducted through Google Meet unless another method is agreed upon. You are responsible for joining sessions from a private and appropriate location, using a stable internet connection when possible, and protecting your own privacy during the session.

6. Payments, Fees, and Billing

Fees for coaching services, packages, programs, sessions, or resources will be displayed on the website, checkout page, invoice, service agreement, or other written communication. Payment is due according to the terms provided at the time of purchase or booking.

Daily Bread Coaching uses Stripe to process payments. Daily Bread Coaching does not intentionally store full credit card numbers, debit card numbers, bank account credentials, or complete payment credentials on its own systems.

You agree to provide accurate payment information and authorize Daily Bread Coaching and its payment processor to charge the applicable fees. You are responsible for any failed payments, chargebacks, disputed payments, late payments, or unpaid balances unless Daily Bread Coaching determines otherwise in writing.

Daily Bread Coaching may pause, cancel, or refuse services if payment is not received, if a payment fails, if a chargeback is filed, or if there is an unresolved payment dispute.

7. Cancellations, Rescheduling, No-Shows, and Refunds

Daily Bread Coaching asks for at least 24 hours’ notice to cancel or reschedule a session. If you cancel or reschedule with less than 24 hours’ notice, Daily Bread Coaching may charge a cancellation fee equal to 50% of the session price or apply the missed session against your package.

If you do not attend a scheduled session and do not provide notice, Daily Bread Coaching may treat the session as a no-show and charge the full session fee or

apply the session against your package.

Daily Bread Coaching may choose, in its discretion, to waive or reduce cancellation fees in cases of emergency, illness, technical problems, or other reasonable circumstances.

Refunds are not guaranteed unless required by law or clearly stated in a separate written agreement. If you purchase a package, program, or bundle, unused sessions may be non-refundable unless Daily Bread Coaching agrees otherwise in writing. Any refund, credit, or rescheduling exception is at Daily Bread Coaching’s discretion unless otherwise required by law.

8. Coaching Packages and Program Terms

If you purchase a coaching package, program, subscription, or multi-session plan, the specific terms may be provided on the website, checkout page, invoice, service agreement, or written communication. Those terms may include the number of sessions, length of sessions, program duration, payment schedule, expiration date, included resources, communication limits, and cancellation terms.

If there is a conflict between these Terms and Conditions and a separate signed or written service agreement, the more specific written agreement will control for that service.

9. Communication Between Sessions

If there is a conflict between these Terms and Conditions and a separate signed or written service agreement, the more specific written agreement will control for that service.

10. Confidentiality and Limits

Daily Bread Coaching respects the private nature of coaching conversations and makes reasonable efforts to keep client information confidential. However, confidentiality is not absolute.

Daily Bread Coaching may use or disclose information when reasonably necessary to comply with law, regulation, subpoena, court order, or legal process, prevent serious harm to you or another person, report suspected abuse, neglect, exploitation, or danger when required or permitted by law, respond to a payment dispute, refund request, chargeback, complaint, or legal claim, protect the rights, safety, property, or security of Daily Bread Coaching, clients, or others, work with trusted service providers who help operate the business, obtain professional advice from legal, accounting, tax, or business advisors, enforce service agreements and payment terms, collect unpaid amounts, investigate fraud, or defend against claims.

Daily Bread Coaching may use Wix, Stripe, Google Workspace, Google Meet, artificial intelligence tools, and other third-party providers to operate the business. These providers may process information according to their own privacy policies, terms, security practices, and legal obligations.

11. Artificial Intelligence Use

Daily Bread Coaching may use artificial intelligence tools to support business operations, improve administrative efficiency, assist with writing, organize information, summarize materials, prepare general coaching resources, improve website content, develop service-related documents, support planning, and assist with communication.

Daily Bread Coaching may use artificial intelligence tools in connection with client-related information when reasonably useful for business or service purposes. This may include using AI tools to help organize notes, summarize general themes, draft administrative messages, prepare coaching-session materials, improve written resources, refine client-facing documents, or support business planning.

Daily Bread Coaching will make reasonable efforts to avoid submitting unnecessary sensitive information into artificial intelligence tools. When practical, Daily Bread Coaching will remove or limit identifying details before using AI tools, including full names, contact information, payment information, highly sensitive personal details, or information that is not needed for the intended purpose.

Clients understand that AI tools may process information submitted to them according to the AI provider’s own privacy policy, terms, data-processing practices, security practices, and legal obligations. Daily Bread Coaching does not control every aspect of how an AI provider processes, stores, reviews, or uses information.

Daily Bread Coaching will not knowingly use artificial intelligence tools to make automated decisions that determine a client’s eligibility for services, pricing, payment obligations, spiritual standing, personal worth, mental health condition, legal rights, or other significant matters.

12. Recording Sessions

Daily Bread Coaching does not record coaching sessions unless you are clearly notified in advance and give consent.

Clients may not audio record, video record, screenshot, livestream, publish, distribute, or share coaching sessions without written permission from Daily Bread Coaching. Unauthorized recording or distribution of coaching sessions may result in termination of services without refund and may lead to legal action where appropriate.

13. Intellectual Property

All materials provided by Daily Bread Coaching, including written resources, coaching frameworks, worksheets, documents, website content, videos, emails, exercises, program materials, spiritual reflection materials, and other original content, are owned by Daily Bread Coaching or used with permission unless otherwise stated.

You may use materials provided to you for your own personal, non-commercial use. You may not copy, reproduce, distribute, sell, publish, modify, teach, post online, or use Daily Bread Coaching materials for commercial purposes without written permission.

You retain ownership of your own personal writings, reflections, notes, and materials that you create, but you grant Daily Bread Coaching permission to use information you voluntarily provide as reasonably necessary to provide services, maintain records, and operate the business as described in these Terms and the Privacy Policy.

14. Website Use

You agree to use the Daily Bread Coaching website and services lawfully and respectfully. You agree not to misuse the website, interfere with website security, attempt unauthorized access, submit false information, impersonate another person, upload malicious code, harass or threaten others, violate intellectual property rights, or use the website or services for unlawful, abusive, fraudulent, or harmful purposes.

Daily Bread Coaching may restrict, suspend, or terminate access to the website or services if we believe a user has violated these Terms, created risk for Daily Bread Coaching or others, failed to pay, misused services, or acted in a harmful, abusive, or unlawful manner.

15. Third-Party Services and Links

The Daily Bread Coaching website or services may include links to third-party websites, scheduling tools, payment processors, video-call platforms, artificial intelligence tools, social media platforms, resources, or other services.

Daily Bread Coaching is not responsible for the content, privacy practices, security practices, terms, policies, availability, or actions of third-party services. Your use of third-party services is governed by the terms and privacy policies of those providers.

16. No Guarantees

Daily Bread Coaching does not guarantee specific results. Spiritual coaching may support reflection, growth, encouragement, accountability, discernment, and practical action, but outcomes depend on many factors outside Daily Bread Coaching’s control.

Daily Bread Coaching does not guarantee spiritual transformation, emotional healing, relational restoration, marriage improvement, family reconciliation, career success, financial results, personal breakthrough, mental health improvement, or any other specific outcome.

Any examples, resources, stories, statements, or coaching suggestions are for general encouragement and educational purposes and should not be understood as promises or guarantees.

17. Disclaimer of Warranties

Daily Bread Coaching provides the website, services, sessions, materials, and resources on an “as available” and “as is” basis. Daily Bread Coaching makes reasonable efforts to provide helpful and reliable services, but does not guarantee that the website, services, communications, materials, platforms, scheduling tools, payment tools, or video-session tools will be uninterrupted, error-free, secure, or available at all times.

To the fullest extent permitted by law, Daily Bread Coaching disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

18. Limitation of Liability

To the fullest extent permitted by law, Daily Bread Coaching will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, lost opportunities, emotional distress, personal decisions, relationship outcomes, spiritual decisions, business losses, data loss, technology failures, third-party platform issues, or other damages arising from or related to your use of the website, services, coaching sessions, communications, materials, or third-party tools.

To the fullest extent permitted by law, Daily Bread Coaching’s total liability for any claim related to the website, services, coaching relationship, payments, materials, or communications will not exceed the amount you paid to Daily Bread Coaching for the specific service giving rise to the claim during the three months before the claim arose.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

19. Indemnification

You agree to indemnify, defend, and hold harmless Daily Bread Coaching, its owner, representatives, contractors, service providers, and affiliates from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney fees, arising out of or related to your violation of these Terms, misuse of the website or services, failure to pay, unauthorized recording or sharing of sessions or materials, violation of another person’s rights, unlawful conduct, or decisions and actions you take based on coaching.

20. Termination of Services

Daily Bread Coaching may terminate or refuse services if we determine that coaching is not appropriate, if a client needs services outside the scope of spiritual coaching, if payment is not made, if there is abusive or threatening behavior, if the client violates these Terms, if there is a conflict of interest, if there is a safety concern, or if continuing the coaching relationship would not be appropriate.

If services are terminated, Daily Bread Coaching may decide whether any refund, credit, or referral information is appropriate based on the circumstances, payment history, work already performed, package terms, and applicable law.

21. Privacy Policy

Your use of Daily Bread Coaching’s website and services is also governed by the Daily Bread Coaching Privacy Policy. The Privacy Policy explains how Daily Bread Coaching collects, uses, stores, protects, and shares personal information.

By using the website or services, you acknowledge that you have reviewed the Privacy Policy.

22. Changes to These Terms

Daily Bread Coaching may revise these Terms and Conditions from time to time. If material changes are made, Daily Bread Coaching may notify users by posting the revised terms on the website, updating the effective date, or sending notice by email when appropriate.

Your continued use of the website or services after revised Terms are posted means you accept the revised Terms.

23. Governing Law and Disputes

These Terms and Conditions are governed by the laws of the State of Colorado, without regard to conflict-of-law principles.

Before filing any legal claim, you agree to make a good-faith effort to resolve the issue informally by contacting Daily Bread Coaching at admin@dailybreadcoaching.com. If the issue cannot be resolved informally, any legal action shall be brought in a court of competent jurisdiction in Colorado unless applicable law requires otherwise.

24. Severability

If any part of these Terms and Conditions is found to be invalid, unlawful, or unenforceable, the remaining sections will remain in effect to the fullest extent permitted by law.

25. Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any separate written service agreement, package terms, invoice terms, or payment terms, form the agreement between you and Daily Bread Coaching regarding your use of the website and services.

If any separate written agreement conflicts with these Terms and Conditions, the more specific written agreement will control for that specific service.

26. Contact Information

For questions about these Terms and Conditions, contact Daily Bread Coaching at admin@dailybreadcoaching.com