WEBSITE, BLOG, PRODUCT & SERVICE DISCLAIMER AND TERMS

These Terms and Disclaimer (“Terms”) apply to the Andrew Zaffina website (the “Site”), all content made available through the Site, and all products, services, readings, consultations, mentorships, memberships, courses, classes, events, retreats, digital materials, and other offerings provided by Andrew Zaffina.

By accessing the Site, purchasing a product or service, booking a session, enrolling in a program, attending an event, or otherwise engaging with Andrew Zaffina’s services, you acknowledge that you have read, understood, and agreed to these Terms.

1. GENERAL DISCLAIMER

All information, content, products, and services are provided “AS IS” and without warranties of any kind, whether express or implied, to the fullest extent permitted by applicable law.

Information shared through the Site, blogs, social media, classes, events, readings, consultations, mentorships, retreats, memberships, courses, or private work with Andrew Zaffina and his employees, independent contractors, assistants, representatives, or affiliates is intended for educational, informational, personal-development, and/or entertainment purposes.

By participating in or purchasing any service or offering, you acknowledge and agree that:

Your participation is voluntary.
Individual experiences and results will vary.
No specific result or outcome is promised or guaranteed.
You remain solely responsible for your own choices, actions, decisions, and outcomes.
You agree not to rely upon any service as a substitute for qualified professional advice.

Nothing provided by Andrew Zaffina constitutes medical, psychological, psychiatric, legal, financial, investment, or other licensed professional advice.

If you require professional assistance in any such area, you should consult an appropriately qualified professional.

2. READINGS & CONSULTATIONS

All intuitive, spiritual, or mediumship readings and related services are provided for entertainment, educational, and personal-development purposes only.

By purchasing or participating in a reading or consultation, you confirm that:

You are at least 18 years old.
You are participating voluntarily.
You understand that no specific outcome, prediction, result, or experience is guaranteed.
You understand that information received during a session should not replace medical, mental-health, legal, financial, or other professional advice.
You retain full responsibility for all decisions and actions you make before, during, or after a session.

Andrew Zaffina does not guarantee the accuracy, completeness, applicability, or outcome of information communicated during any reading or consultation.

3. ASSUMPTION OF RISK & PERSONAL RESPONSIBILITY

By using the Site or participating in any service, event, retreat, class, mentorship, consultation, reading, or program, you voluntarily assume the risks ordinarily associated with your participation.

You understand that personal, emotional, spiritual, or other experiences may vary from person to person.

To the fullest extent permitted by applicable law, you agree that Andrew Zaffina and his employees, independent contractors, assistants, representatives, and affiliates will not be responsible for decisions or actions you independently take based upon information obtained through the Site or services.

4. PURCHASES & NO-REFUND POLICY

UNLESS EXPRESSLY STATED OTHERWISE IN WRITING AT THE TIME OF PURCHASE, ALL SALES ARE FINAL.

This includes, but is not limited to:

Readings and consultations
Mentorship programs
Memberships
Classes and courses
Digital products
Events
Retreats
Deposits
Packages
Coaching or personal-development services
Other products or services offered by Andrew Zaffina

Purchases are non-refundable and non-exchangeable except where a refund or other remedy is required by applicable law.

Failure to use, attend, access, or complete a purchased service does not automatically entitle the purchaser to a refund, credit, extension, exchange, or transfer.

5. APPOINTMENTS & MISSED SESSIONS

You are responsible for being available and prepared at your scheduled appointment time.

If you fail to answer, join, or otherwise appear through the designated communication method at the scheduled time, your appointment may be considered missed and forfeited.

Missed appointments are not guaranteed a refund, credit, replacement session, or rescheduling opportunity.

Clients cannot assume that a missed session can simply be completed later the same day because other clients and obligations may already be scheduled.

Rescheduling requests are subject to availability and approval.

6. SESSION ENVIRONMENT

For readings, consultations, mentorship sessions, and similar appointments, you agree to participate from a reasonably calm, safe, and distraction-free environment.

Sessions must not be taken while driving or while operating machinery.

Andrew Zaffina reserves the right to discontinue a session if the participant’s environment creates a safety concern, substantially interferes with the session, or prevents the service from being reasonably provided.

Termination of a session because of circumstances within the participant’s control does not automatically entitle the participant to a refund, credit, or reschedule.

7. CLASSES, COURSES & MEMBERSHIPS

Access to classes, courses, memberships, digital libraries, and related materials is provided solely to the individual purchaser unless otherwise expressly stated.

You may not:

Share or sell your login information.
Allow another individual to access paid content through your account.
Reproduce or redistribute course or membership materials.
Record or screen-record protected content without written authorization.
Resell, republish, or commercially exploit protected materials.
Use protected materials to create competing courses, books, programs, trainings, or products.
Scrape, data-mine, or systematically extract protected content.
Upload protected materials to, or use them to train, develop, or improve, artificial intelligence or machine-learning systems without prior written permission.

Misuse of membership or course materials may result in suspension or termination of access without refund, subject to applicable law.

Membership fees are non-refundable unless otherwise required by applicable law.

No refund or credit is guaranteed for unused membership time, missed classes, failure to access membership materials, or failure to cancel according to applicable cancellation requirements.

Andrew Zaffina reserves the right to modify membership pricing, benefits, structure, content, schedules, or terms. Material changes will be communicated when reasonably appropriate.

8. MENTORSHIP POLICY

All mentorship packages are final sale and non-refundable except where otherwise required by applicable law.

By enrolling in a mentorship program, you acknowledge that you are committing to the program and are responsible for attending and completing scheduled sessions within the applicable program timeframe.

Failure to attend, participate in, or complete mentorship sessions due to scheduling conflicts, changes in availability, loss of interest, or other circumstances within the participant’s control may result in unused sessions being forfeited.

Unused sessions are not guaranteed to be refunded, credited, transferred, replaced, or extended.

Rescheduling requests may be considered at Andrew Zaffina’s discretion and are subject to availability and any applicable scheduling policies.

Approval of one rescheduling request does not create an obligation to approve future requests.

9. EVENTS & RETREATS

By registering for an in-person or online event, retreat, class, workshop, or experience offered by Andrew Zaffina, you agree to the applicable event terms.

Andrew Zaffina reserves the right, when reasonably necessary, to cancel, postpone, reschedule, relocate, modify, or alter an event, retreat, class, itinerary, schedule, activity, speaker, accommodation, or other component of an experience.

Event and retreat purchases, including deposits and packages, are final sale and non-refundable except where otherwise expressly stated or required by applicable law.

Personal circumstances—including scheduling conflicts, travel disruptions, illness, change of mind, late arrival, early departure, or inability to attend—do not automatically entitle a participant to a refund.

If an event is canceled or materially changed by Andrew Zaffina, the remedies available to participants will be determined in accordance with the applicable purchase terms and governing law.

Unless expressly included in the purchase, participants are solely responsible for their own airfare, transportation, lodging, meals, travel insurance, and other incidental or personal expenses.

Andrew Zaffina is not responsible for third-party travel costs or losses caused by airlines, hotels, transportation providers, weather, governmental restrictions, or other circumstances outside his reasonable control, except to the extent otherwise required by law.

Participation in events and retreats is voluntary. Participants are responsible for determining whether they are physically and personally able to participate in scheduled activities.

10. BEHAVIOR & RIGHT TO REFUSE SERVICE

Andrew Zaffina reserves the right to refuse, discontinue, suspend, or terminate services or access where reasonably necessary because of:

Harassment or threatening behavior
Abusive or discriminatory conduct
Repeated boundary violations
Disruptive behavior
Fraud or attempted fraud
Unauthorized distribution of protected materials
Unauthorized recording
Violation of these Terms
Conduct that creates a safety concern for Andrew Zaffina, team members, clients, attendees, or other participants

Where permitted by applicable law and the applicable purchase terms, termination resulting from a material violation of these Terms may occur without refund.

11. RECORDING & CONFIDENTIALITY

Unless Andrew Zaffina provides prior written permission, you may not audio-record, video-record, screen-record, livestream, rebroadcast, or otherwise capture private sessions, consultations, mentorship calls, classes, Zoom meetings, FaceTime calls, or in-person private meetings.

Unauthorized recording or distribution may constitute a material violation of these Terms and may result in immediate termination of services or access.

Andrew Zaffina reserves all rights and remedies available under applicable law regarding unauthorized recording, publication, reproduction, or distribution.

12. INTELLECTUAL PROPERTY

Unless otherwise expressly stated, all original content made available through the Site or Andrew Zaffina’s services—including writings, teachings, methods, videos, audio, graphics, workbooks, course materials, downloads, recordings, presentations, branding, and other original materials—is owned by or licensed to Andrew Zaffina and is protected by applicable intellectual-property laws.

Purchasing access to content does not transfer ownership of that content.

You receive only the limited, personal, non-exclusive, non-transferable right to access and use purchased materials for their intended personal purpose.

Without prior written permission, protected content may not be copied, reproduced, republished, distributed, sold, sublicensed, publicly displayed, commercially exploited, or used to create derivative commercial products except as otherwise permitted by law.

13. TECHNICAL ISSUES

You are responsible for maintaining a suitable internet connection, compatible device, working camera or microphone where applicable, and any other technology necessary to participate.

Andrew Zaffina is not responsible for technical problems originating from your device, internet provider, software, equipment, or environment.

User-side technical problems do not automatically qualify for a refund, credit, or replacement service.

14. CHARGEBACKS & PAYMENT DISPUTES

If you believe a billing error has occurred or have a concern regarding a purchase, you agree to make a good-faith effort to contact Andrew Zaffina before initiating a payment dispute or chargeback.

Nothing in these Terms prevents you from exercising any dispute rights that cannot legally be waived.

Fraudulent, abusive, or knowingly false payment disputes may result in suspension or termination of services and may be addressed through remedies available under applicable law.

15. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANDREW ZAFFINA AND HIS EMPLOYEES, INDEPENDENT CONTRACTORS, ASSISTANTS, REPRESENTATIVES, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, CONTENT, PRODUCTS, OR SERVICES.

TO THE FULLEST EXTENT PERMITTED BY LAW, AGGREGATE LIABILITY ARISING FROM A PARTICULAR PURCHASE OR SERVICE WILL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

16. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless Andrew Zaffina and his employees, independent contractors, assistants, representatives, and affiliates from third-party claims, liabilities, damages, or reasonable expenses arising from your material violation of these Terms, misuse of protected content, or unlawful use of the Site or services.

17. DISPUTE RESOLUTION & GOVERNING LAW

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable law requires otherwise.

To the extent legally enforceable, disputes arising from these Terms or services may be subject to confidential, binding arbitration in Manatee County, Florida.

To the extent legally enforceable, disputes will be brought on an individual basis and not as part of a class, collective, or representative proceeding.

Nothing in this section prevents Andrew Zaffina from seeking appropriate injunctive or equitable relief relating to unauthorized use, disclosure, copying, or distribution of intellectual property or confidential materials.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

18. EXTERNAL LINKS & THIRD-PARTY SERVICES

The Site may contain links to third-party websites, platforms, payment processors, booking systems, social-media platforms, or other services.

Andrew Zaffina does not control these third parties and is not responsible for their content, availability, privacy practices, security practices, policies, or independent actions.

Your use of third-party services may also be governed by that provider’s own terms and policies.

19. NO GUARANTEE OF RESULTS

Testimonials, reviews, examples, experiences, and statements regarding previous clients or participants represent individual experiences and should not be interpreted as promises or guarantees that another individual will receive the same or similar results.

Results vary based upon numerous factors, including individual circumstances, choices, participation, and actions.

No representation made through the Site, social media, advertising, a consultation, reading, course, mentorship, retreat, event, or other service should be interpreted as a guarantee of a particular result.

20. UPDATES TO THESE TERMS

Andrew Zaffina reserves the right to modify or update these Terms from time to time to reflect changes to services, business practices, legal requirements, or operational needs.

Updated Terms will be posted on the Site with an updated effective date when appropriate.

Your continued use of the Site or future purchases following publication of revised Terms will be governed by the version applicable at that time, subject to applicable law.

21. ACKNOWLEDGMENT

BY ACCESSING THE SITE, COMPLETING A PURCHASE, BOOKING A SERVICE, ENROLLING IN A PROGRAM, OR PARTICIPATING IN AN EVENT OR EXPERIENCE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THE TERMS APPLICABLE TO YOUR PURCHASE OR PARTICIPATION AND AGREE TO BE BOUND BY THEM.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE OR USE THE APPLICABLE PRODUCTS OR SERVICES.