Disclaimer

This is an important legal document! If you do not understand these statements or any that follow, do not purchase our programs, use our free resources and discontinue use of this website.


The advice, and interactions presented on this website and in our products and services are solely for informational and educational purposes in the area of improving your personal self development and  lifestyle.


Coaching is a comprehensive process that may involve all areas of  life, including work, finances, health, relationships, education and recreation and these areas may be mentioned / included on the website. 


You acknowledge that deciding how to handle these issues, incorporate coaching into those areas, and implement any choices is exclusively your responsibility.

The information supplied is meant to serve as tools for self-help for personal use at your own discretion in conjunction with medical professionals, therapists, accountants, lawyers, tax professionals, or other licensed professionals.


Kay Malcolm Coaching / Khadine Malcolm are not licensed to provide health advice, medical diagnoses, mental health services, legal, financial, tax.


The author assumes no responsibility for any circumstances arising out of the use, abuse, interpretation, or application of any information supplied on this website or in our programs. You understand and acknowledge that you are in the best position to evaluate how our information will impact your personal set of circumstances, including known and unknown risks. If you use or rely upon our information, you acknowledge that you do so voluntarily.


Our role is to support and assist you in reaching your goals and personal self-development but your success depends on your own effort, motivation, commitment and follow-through with action.


You alone are solely and personally responsible for your results and your desire, motivation and starting point will impact your results.


Application of the principles outlined here may vary from person to person and you accept the risk that your results may be different. We cannot and do not guarantee that you will attain a particular result.


Do not disregard professional advice or delay seeking professional advice because of information you have read on this website or received from us.


HEALTH AND WELLNESS


Kay Malcolm Coaching / Khadine Malcolm is not a licensed health care provider and do not engage in patient diagnosis or the practice of medicine.

The information supplied is not a substitute for proper medical care by a physician, who can provide appropriate exams, treatment, diagnoses, and care recommendations.


Do not self-diagnose. Do not stop taking any medications without speaking to your physician or health care professional. If you have or suspect that you have a medical problem, contact your health care provider promptly.


FINANCIAL AND INCOME:

We are not licensed financial professionals. We do not provide investment recommendations or advice.


We advise you to speak with your own licensed financial planner before for example: establishing a budget, , changing or leaving employment, starting a business or changing business strategies, or engaging in tax savings methods. This list is not exhaustive.


We do not perform accounting services, tax advising, or investment counseling, and recommend that you consult licensed professionals regarding these topics.


When addressing financial matters on our website and in any of our marketing, including but not limited to our newsletters, program pages, videos, and other content, every effort has been made to ensure that we accurately represent our programs and their ability to improve your life.


However, Kay Malcolm Coaching does not guarantee that you will get any results or earn any money whatsoever using our tools, programs, strategies, or recommendations. Nothing on our sites is a promise or guarantee of future earnings. Many factors influence your ability to earn money, including : your effort, motivation, commitment and follow-through, background, dedication, desire, motivation, individual capacity, life experience, starting point, and expertise.


By using this website or purchasing from any of our order forms or using our free resources, you agree that you are fully responsible for your progress from your participation and implementation, and that we offer no representations or guarantees verbally or in writing regarding your earnings potential.


Your use, or non-use, of this information is at your own risk, and you absolve us of any liability or loss that you or any other person may incur from your or their use or non-use of the information provided.


In no event will we be liable to any party for any direct, indirect, special, incidental, equitable or consequential damages for any use of or reliance on this website, programs, services, and/or products, including, without limitation, any lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information or any other loss, malady, disease or difficulty, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties.


NO WARRANTIES:


WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE, OR THE INFORMATION, CONTENT, MATERIALS, PROGRAMS, SERVICES, OR PRODUCTS INCLUDED ON THE WEBSITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, EQUITABLE, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES.