Terms & Conditions

Participant Release: 

By purchasing the Journey Into Wisdom online program, module or class — you agree to the following terms and conditions.

You confirm that you have read, understood and agree to be bound by all of the following points, which serve as a binding contract between you and Kristen Ann McCarthy, and that you are eligible to participate in the Journey Into Wisdom program 

under the conditions set forth below. If you do not agree to be bound by this Participant Release, we regret that we cannot accept your enrollment. 

1. Your Age. You must be 18 years old or older, and fully empowered by your country of residence to enter into binding a contract, in order to participate in Journey Into Wisdom. 

2. Your Health and Physical Condition. You are responsible for making sure that your health and physical condition permit you to engage in Journey Into Wisdom 
programs by consulting with an appropriate health-care profession before enrolling and participating in any such programs. Kristen Ann McCarthy will rely on the fact that, by participating, you have sought such expert advice. 

3. Waiver of Claims. Accidents. You are assuming the risk of injury, damage and/or loss of any kind to you, your guests (including children), and your (and their) property resulting from or related to your participation in the Journey Into Wisdom program
 and other products and services from Kristen Ann McCarthy, and you are waiving, releasing and discharging any and all such claims. The waiver of liability under this Participant Release applies to Kristen Ann McCarthy, Journey Into Wisdom, and its members, officers, employees, contractors, vendors, agents and representatives, and extends to all claims, debts, liabilities, costs, expenses, and causes of action relating in any way to your participation in Journey Into Wisdom. 

4. Indemnity. You agree to indemnify, defend and hold the Journey Into Wisdom Parties against any and all of the claims that are waived in Section 3 above, and any other loss or liability resulting from your wrongful acts and/or those of your guests at any program from Kristen Ann McCarthy. 

5. Arbitration. You agree that any disputes arising under this Participant Release will be submitted to confidential binding arbitration in Vancouver, B,C. Canada. 

6. Copyright: No part of this program may be used or reproduced without prior written consent from Kristen Ann McCarthy. 

© 2018 Kristen Ann McCarthy. All rights reserved.

End of Participant Release

Refund Policy: 

This policy only applies to the original purchaser. No refunds or credits will be given by Kristen Ann McCarthy. • This paid amount is non-refundable.