Terms and Conditions

Last updated: September 16, 2026

Please read these Terms and Conditions carefully before using our websites or services.

These Terms and Conditions (the “Terms”) govern your access to and use of the websites, landing pages, registration pages, digital content, coaching, training, workshops, masterclasses, consultations, and related services offered by Sibilla & Associates, Training & Coaching.

Interpretation and Definitions

Interpretation

Words with capitalized initial letters have the meanings defined below. The definitions apply whether the words appear in the singular or plural.

Definitions

For purposes of these Terms:

Company, we, us, or our means Sibilla & Associates, Training & Coaching.
Content means all text, graphics, photographs, videos, audio, presentations, workbooks, templates, exercises, downloads, course materials, training materials, and other content made available through the Service.
Device means any computer, mobile phone, tablet, or other device capable of accessing the Service.
Program means any coaching engagement, consultation, course, workshop, corporate training, webinar, masterclass, event, or other offering provided by the Company.
Service means the Websites, Content, Programs, communications, and related products and services provided by the Company.
Terms means these Terms and Conditions and any additional written terms presented for a specific Program or purchase.
Third-Party Service means any website, platform, software, content, product, or service owned or operated by a third party.
Websites means https://www.sibillatraining.com/, https://www.pivotnow.today/, and any related pages or online properties operated by the Company that link to these Terms.
You or your means the individual accessing or using the Service, or the organization on whose behalf that individual acts.

Acceptance of These Terms

By accessing or using the Service, registering for a Program, making a purchase, or clicking to accept these Terms, you agree to be bound by them and by our Privacy Policy.

If you do not agree, do not access or use the Service. If you use the Service on behalf of a company or organization, you represent that you have authority to bind that organization to these Terms.

The Service is intended for adults who are at least 18 years old. By using the Service, you represent that you are legally able to enter into a binding agreement.

Additional Program Terms

Certain Programs may have additional written terms addressing scope, scheduling, fees, cancellations, confidentiality, deliverables, participation, or other matters. Those additional terms form part of your agreement with us.

If a Program agreement directly conflicts with these Terms, the Program agreement controls for that Program.

Changes to These Terms

We may revise these Terms from time to time. Updated Terms become effective when posted unless a later effective date is stated. Your continued use of the Service after updated Terms take effect constitutes acceptance of the revised Terms.

Material changes will apply prospectively to the extent required by applicable law. You should review this page periodically.

Access to the Service and Account Security

We may withdraw, suspend, restrict, or modify any part of the Service at any time, subject to any binding Program agreement and applicable law. We do not guarantee that the Service will always be available or uninterrupted.

You are responsible for:

Providing the equipment, internet connection, and software required to use the Service.
Ensuring that information you provide is accurate, complete, and current.
Maintaining the confidentiality of your username, password, access link, and other security credentials.
All activity conducted through your account, except to the extent caused by our failure to use reasonable safeguards.
Promptly notifying us of suspected unauthorized access or a security breach affecting your account.

We may disable an account or credential if we reasonably believe it has been compromised, misused, or used in violation of these Terms.

Programs, Registration, and Participation

Program descriptions, dates, instructors, formats, features, and availability may change. We may substitute a qualified presenter, reschedule a session, change the delivery platform, or make other reasonable modifications when necessary.

You agree to participate respectfully and in a manner that does not interfere with the experience, safety, privacy, or rights of others. We may remove a participant whose conduct is disruptive, abusive, unlawful, unsafe, or inconsistent with these Terms. Refunds following removal are subject to the applicable Program terms and law.

Unless we expressly agree otherwise in writing, access to a Program is personal to the registered participant and may not be shared, transferred, resold, or used to train others.

Fees, Payments, Cancellations, and Refunds

Prices and payment terms are those displayed at checkout, stated in the applicable proposal or agreement, or otherwise communicated in writing before purchase. You agree to provide accurate billing information and authorize the applicable payment processor to charge the stated amounts.

Fees do not include taxes unless expressly stated. You are responsible for applicable taxes, except taxes imposed on our net income.

Cancellation, rescheduling, credit, and refund rules may vary by Program. The rules disclosed at registration, checkout, or in a separate Program agreement apply to your purchase. Unless a different policy is presented in writing, all sales are final to the fullest extent permitted by law after access to digital Content or a live Program has been provided.

If we cancel a paid Program and do not provide a reasonable substitute or rescheduled date, our responsibility will generally be limited to refunding the amount paid for the canceled portion.

If a payment plan or recurring subscription is offered, the price, billing interval, renewal terms, cancellation method, and any minimum commitment will be disclosed before enrollment. You authorize recurring charges until you cancel in accordance with the disclosed process. Cancellation stops future renewals but does not automatically create a refund for prior charges or services already delivered.

Chargebacks submitted without first making a good-faith effort to resolve a billing issue may delay account access while the matter is reviewed. This provision does not limit any rights you have under applicable law or your card issuer’s rules.

Coaching, Training, and Educational Disclaimer

The Service is provided for educational, informational, training, and coaching purposes. Unless expressly agreed in a separate written professional-services agreement, the Service does not constitute psychotherapy, medical care, diagnosis, legal advice, tax advice, financial advice, investment advice, or emergency services.

Although Suzanne R. Sibilla holds professional credentials, participation in general coaching, public workshops, corporate training, courses, or masterclasses does not by itself create a therapist-client, healthcare-provider, fiduciary, attorney-client, or similar regulated professional relationship.

You remain responsible for your own decisions, actions, wellbeing, business practices, and results. You should consult an appropriately qualified professional regarding medical, mental-health, legal, financial, tax, employment, or other specialized concerns.

If you are experiencing an emergency or believe that you or another person may be in danger, contact local emergency services or an appropriate crisis resource. Do not use ordinary website forms, email, or Program communications for emergencies.

No Guarantee of Results

Testimonials, examples, case studies, and descriptions of prior outcomes illustrate individual experiences only. They do not guarantee that you will achieve the same or any particular result.

Personal and business outcomes depend on many factors outside our control, including your decisions, effort, circumstances, implementation, market conditions, health, and participation. We do not promise specific income, career, relationship, health, leadership, or business results.

Corporate and Organization-Sponsored Programs

If an employer or organization sponsors your participation, it may receive limited administrative information such as registration, attendance, participation, or completion status, as described in the Program materials, applicable agreement, and Privacy Policy.

Unless otherwise agreed or required by law, the sponsoring organization is responsible for determining whether the Program is appropriate for its workforce and for complying with employment, accessibility, labor, and workplace obligations.

Intellectual Property Rights

The Service and its Content are owned by the Company, its licensors, or other authorized providers and are protected by copyright, trademark, trade-secret, and other intellectual-property laws.

Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service and Content solely for your personal or internal business learning purposes.

Unless we give prior written permission, you may not:

Copy, reproduce, republish, upload, distribute, sell, sublicense, or commercially exploit the Content.
Modify the Content or create derivative works for distribution.
Record, livestream, photograph, transcribe, or redistribute a Program or session.
Share login credentials, access links, downloads, workbooks, or restricted Content with another person.
Remove copyright, trademark, or proprietary notices.
Use the Content to create or deliver competing courses, coaching, training, consulting, or products.
Use our Content to train an artificial-intelligence system or create a commercial dataset without written permission.

You may download or print materials only when the Service makes that function available, and only for the permitted use stated above.

No ownership rights are transferred to you. All rights not expressly granted are reserved.

Trademarks

The names Sibilla & Associates, Pivot NOW! Pivot YOU! related logos, Program names, slogans, designs, and branding are trademarks or proprietary identifiers of the Company or their respective owners. You may not use them in a way that implies endorsement, affiliation, or sponsorship without prior written permission.

Other names and marks appearing through the Service belong to their respective owners.

Participant Submissions and Feedback

You retain ownership of content you submit, such as questions, assignments, comments, feedback, or materials (“Submissions”).

You grant us a limited license to host, copy, display, and use Submissions as reasonably necessary to provide, administer, secure, and improve the Service. You represent that you have the rights needed to provide each Submission and that it does not violate law or another person’s rights.

We will not publicly use your name, likeness, testimonial, private coaching content, or identifiable success story for marketing without permission, except for information you intentionally publish in a public area.

Suggestions and general feedback may be used to improve our services without compensation, provided we do not publicly identify you without permission.

Confidentiality and Group Settings

We encourage participants in group Programs to respect one another’s privacy, but we cannot guarantee that another participant will keep information confidential. Use discretion when sharing personal, sensitive, proprietary, health, employment, or business information in a group setting.

Any specific confidentiality duties applicable to private coaching, corporate engagements, or licensed professional services will be governed by the relevant written agreement and applicable law.

Recordings and Events

We will provide notice when a Program or event is recorded. By remaining in an area or session after receiving notice, you consent to being recorded to the extent permitted by law, subject to any additional release presented for the event.

If you do not wish to appear in a recording, follow the participation options or instructions provided, such as disabling your camera, changing your display name, or contacting us in advance. We will seek separate permission before using an identifiable participant testimonial or spotlight for advertising where required.

You may not make your own recording of a Program unless we give written permission and all required participant consents have been obtained.

Prohibited Uses

You may use the Service only lawfully and in accordance with these Terms. You may not:

Violate any applicable law, regulation, court order, or third-party right.
Harass, threaten, exploit, discriminate against, or harm another person.
Impersonate the Company, its personnel, another participant, or any other person or entity.
Submit false information or misrepresent your identity or affiliation.
Transmit spam, unauthorized promotions, malware, malicious code, or harmful material.
Attempt to gain unauthorized access to an account, server, database, or restricted area.
Disrupt, overload, damage, probe, scan, scrape, reverse-engineer, or interfere with the Service.
Use automated tools to extract Content or data except as permitted by applicable law or our written consent.
Use the Service or Content for unlawful, fraudulent, infringing, or competing commercial purposes.
Circumvent access, payment, security, copyright, or technological restrictions.

Third-Party Services and Links

The Service may use or link to Third-Party Services, including payment processors, scheduling platforms, video-conferencing tools, social-media services, email providers, and website hosts.

We do not control and are not responsible for third-party availability, security, content, terms, or privacy practices. Your use of a Third-Party Service may be governed by its own terms and privacy policy.

Privacy

Our collection, use, and disclosure of personal information are described in our Privacy Policy. By using the Service, you acknowledge that policy.

Do not submit urgent, highly sensitive, medical, or confidential information through ordinary website forms or email unless we specifically request it through an appropriate method.

If you believe Content available through the Service infringes your copyright, please send a written notice to [email protected] containing:

Identification of the copyrighted work.
Identification and location of the allegedly infringing material.
Your name and contact information.
A statement that you have a good-faith belief the use is not authorized.
A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act for the copyright owner.
Your physical or electronic signature.

We may remove material and terminate repeat infringers where appropriate.

Suspension and Termination

We may suspend or terminate access to the Service if you materially violate these Terms, fail to pay an amount when due, threaten safety, infringe rights, misuse Content, disrupt a Program, or expose the Company or others to material risk.

Where reasonable, we will provide notice and an opportunity to address the issue. Immediate action may be taken when needed to protect safety, security, legal rights, or the integrity of the Service.

Upon termination, your right to use the affected Service and restricted Content ends. Provisions that by their nature should survive termination—including payment obligations, intellectual-property protections, disclaimers, limitations of liability, indemnification, and dispute provisions—will survive.

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITES, GENERAL CONTENT, AND ONLINE FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Service will be uninterrupted, error-free, completely secure, free of harmful components, or suitable for every purpose. We do not warrant the accuracy, completeness, reliability, or continuing availability of general website information.

These disclaimers do not limit any express commitments in a signed Program agreement or any warranty or consumer right that cannot lawfully be excluded.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, PERSONNEL, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO A PARTICULAR PAID PROGRAM OR SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY FOR THAT PROGRAM OR SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. FOR A FREE SERVICE, THE COMPANY’S TOTAL AGGREGATE LIABILITY WILL NOT EXCEED US $100.

The limitations above do not apply to liability that cannot be excluded or limited under applicable law. Some jurisdictions do not allow certain limitations, so some provisions may not apply to you.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless the Company and its affiliates, personnel, contractors, licensors, and service providers from third-party claims, liabilities, damages, judgments, costs, and reasonable attorneys’ fees arising from your unlawful misuse of the Service, your material violation of these Terms, or your infringement of another person’s rights.

This section does not require a consumer to indemnify the Company for the Company’s own unlawful conduct, gross negligence, or willful misconduct.

Governing Law and Informal Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where the law of your residence must apply.

Before filing a claim, you agree to contact us and make a good-faith effort to resolve the issue informally. Send a written description of the issue and requested resolution to [email protected].

Any lawsuit arising from these Terms or the Service must be brought in a court of competent jurisdiction in [INSERT COUNTY], California, unless applicable consumer law requires another location. Both parties consent to personal jurisdiction and venue in those courts.

Nothing in this section prevents either party from seeking temporary or emergency relief necessary to protect safety, confidential information, or intellectual-property rights.

International Use

The Company operates from the United States. We do not represent that the Service is lawful or appropriate in every location. If you access the Service outside the United States, you are responsible for complying with local laws.

You represent that you are not prohibited from using the Service under applicable United States sanctions or export-control laws.

Accessibility

We aim to make our websites and Programs reasonably accessible. If you need an accommodation or encounter an accessibility barrier, contact us using the information below. We will consider reasonable requests in accordance with applicable law and the nature of the Service.

Severability and Waiver

If any provision of these Terms is found unenforceable, it will be modified only to the minimum extent necessary, and the remaining provisions will remain in effect.

Failure to enforce a provision is not a waiver of the right to enforce it later. A waiver must be in writing and applies only to the specific instance stated.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, reorganization, sale of assets, or transfer of the relevant business, subject to applicable law.

Force Majeure

The Company will not be liable for delay or failure caused by events beyond its reasonable control, including natural disasters, fire, severe weather, epidemic, pandemic, war, terrorism, civil unrest, government action, labor disruption, internet or utility failure, platform outage, or the illness or unavailability of a presenter.

If such an event affects a Program, we may reschedule it, change its delivery method, provide a reasonable substitute, issue a credit, or provide another remedy consistent with the applicable Program terms and law.

Entire Agreement

These Terms, our Privacy Policy, any checkout disclosures, and any applicable Program agreement constitute the entire agreement concerning the Service and supersede prior discussions or understandings about the same subject.

Questions about these Terms may be directed to:

Sibilla & Associates, Training & Coaching
Email: [email protected]
Telephone: 925-785-8215
Website: https://www.sibillatraining.com/
Mailing address: 140 Metairie Place, San Ramon, CA 94583

Terms and Conditions

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