Effective Date: Date of purchase or Sign up

These Terms and Conditions (“Terms”) govern the provision of all services, programmes, digital products, memberships, advisory services, readings, energy work and related offerings (“Services”) provided by Katy Whyte (“we”, “us”, “our”).

By purchasing, booking or accessing any Service, you (“Client”, “you”, “your”) agree to be legally bound by these Terms.

These Terms should be read alongside our Privacy Policy available at katywhyte.com.

1. Scope of Services

1.1 These Terms apply to all current and future services offered by Katy Whyte, including but not limited to:

• One-off sessions (including readings, advisory calls, energy sessions)

• Multi-session containers (e.g. 3-month or longer advisory work)

• Monthly subscriptions or memberships

• Digital products, courses and downloads

• Group programmes

• Workshops, retreats or live events (where applicable)

1.2 The specific details of your purchase (price, duration, structure) will be confirmed at checkout, booking link or invoice.

1.3 Services are provided for personal development, spiritual guidance and advisory purposes only.

2. Client Responsibility

2.1 You acknowledge that you are fully responsible for:

• Your decisions

• Your actions

• Your implementation of guidance

• Your wellbeing

• Any decisions made following guidance

2.2 Results are not guaranteed. Outcomes depend on numerous factors beyond our control, including your participation, personal circumstances and external conditions.

2.3 You agree to engage respectfully and take full responsibility for how you apply any guidance provided.

2.4 All decisions, actions and outcomes arising from guidance are solely your responsibility. We are not liable for business, financial, relational, career or personal decisions made following advisory or intuitive guidance.

3. Payment Terms

3.1 All prices are stated at point of purchase.

3.2 Payment is due in full at the time of booking unless a payment plan is explicitly offered.

3.3 Where a payment plan is agreed:

• You remain liable for the full agreed amount.

• Instalments must be paid on agreed dates.

• Failure to complete the programme does not cancel remaining payments.

3.4 If payment is overdue by more than 7 days, we reserve the right to:

• Suspend access to services

• Withhold materials

• Cancel future sessions

• Pursue recovery of outstanding fees

3.5 Statutory interest may be charged on overdue sums in accordance with UK law.

4. Cancellations & Refunds

4.1 Digital Products

For digital downloads or self-led courses:

Under UK Consumer Contracts Regulations, you have a 14-day cooling-off period unless you:

• Receive immediate access; and

• Acknowledge that you lose your right to cancel once access begins.

By purchasing and accessing digital content immediately, you consent to waive your 14-day cancellation right.

All digital product purchases are non-refundable once accessed.

4.2 One-Off Sessions

• Cancellations must be made with at least 48 hours’ notice.

• Sessions cancelled with less than 48 hours’ notice are non-refundable.

• No-shows are non-refundable.

4.3 Multi-Session Containers (e.g. 3-Month Advisory)

• Payments are non-refundable once the container has commenced.

• Missed sessions without 48 hours’ notice are forfeited.

• Sessions must be used within the agreed timeframe.

• Early withdrawal does not cancel remaining instalments.

4.4 Subscriptions / Memberships

• Where applicable, subscriptions renew automatically unless cancelled.

• Cancellation terms will be stated at sign-up.

• Notice periods apply as outlined at purchase.

• Payments already processed are non-refundable.

Nothing in this section affects your statutory rights.

4.5 Ongoing Advisory & Subscription Services

4.5.1 Where Services are provided on an ongoing basis (including monthly readings, advisory containers, or subscription-based support), the specific duration and structure will be confirmed at sign-up.

4.5.2 Where a minimum term applies (for example 3, 4, 6 or 12 months), this will be stated at purchase. The minimum term applies regardless of usage. Early cancellation does not waive remaining payments within the agreed minimum term.

4.5.3 Where Services renew on a recurring basis, payment will be collected automatically on the agreed billing date. It is your responsibility to ensure payment details remain valid.

4.5.4 After any stated minimum term has been fulfilled, cancellation requires 30 days’ written notice via email. Cancellation will take effect from the next billing cycle following notice.

4.5.5 Payments already processed are non-refundable.

4.5.6 Certain Services involve intuitive, energetic or written preparation carried out prior to delivery. Where such preparation has begun, the Service for that billing period will be deemed delivered and is non-refundable.

4.5.7 For monthly written or recorded readings, we aim to deliver by the stated delivery date (for example by the 5th of each month). Delivery dates may vary slightly due to holidays, illness or circumstances beyond reasonable control.

4.5.8 Where messaging access (including email or voice messaging platforms) is included, this does not constitute unlimited or on-demand support. Responses will be provided within reasonable working hours and at our discretion.

4.5.9 Messaging access is not a substitute for emergency or crisis support.

5. Rescheduling & Attendance

5.1 Clients must provide at least 48 hours’ notice to reschedule sessions.

5.2 We reserve the right to reschedule sessions due to illness, emergencies or circumstances beyond our control.

5.3 Sessions will not be extended beyond agreed time due to late arrival.

6. Intellectual Property

6.1 All materials, frameworks, recordings, documents and content remain the intellectual property of Katy Whyte.

6.2 You may not:

• Share materials

• Reproduce content

• Record sessions

• Distribute content

• Teach or replicate proprietary frameworks

6.3 A limited, non-transferable licence is granted for personal use only.

6.4 Any breach may result in termination and legal action.

This clause survives termination.

7. Confidentiality

7.1 All personal information shared in sessions is confidential unless required by law.

7.2 You agree to maintain the confidentiality of other participants in group environments.

7.3 Confidentiality does not apply where disclosure is required by law or where there is risk of harm.

8. Code of Conduct

8.1 Clients must behave respectfully in all interactions.

8.2 Harassment, discrimination, abusive behaviour, defamatory statements or fraudulent activity will result in immediate termination without refund.

8.3 Honest reviews are permitted. However, malicious, knowingly false or defamatory statements may result in legal action.

9. Disclaimer – Nature of Services

9.1 Services may include intuitive guidance, energy healing, channelling, psychic insight and spiritual advisory.

9.2 For legal purposes in the UK, psychic readings are provided for entertainment purposes only.

9.3 Services are not:

• Medical treatment

• Psychological therapy

• Psychiatric care

• Legal advice

• Financial advice

9.4 You agree that you will seek appropriate licensed professionals where required.

9.5 Energy healing and spiritual practices are complementary approaches and should not replace professional healthcare.

9.6 Services are not intended to provide ongoing emotional support, crisis intervention or dependency-based support. We reserve the right to refer you to appropriate qualified professionals where necessary.

10. Limitation of Liability

10.1 We are not liable for:

• Loss of profits

• Loss of business

• Loss of opportunity

• Emotional distress

• Indirect or consequential loss

10.2 Total liability is limited to the amount paid by you for the relevant Service in the 12 months preceding the claim.

10.3 Nothing limits liability for death or personal injury caused by negligence, fraud or where liability cannot legally be excluded.

11. Force Majeure

We are not liable for failure to perform due to circumstances beyond reasonable control, including illness, technology failure, natural events, government restrictions or emergencies.

12. Termination

12.1 We reserve the right to terminate access if:

• You breach these Terms

• You engage in misconduct

• You fail to pay

• You act in a way that damages reputation

12.2 No refund is due where termination results from breach by you.

13. General

13.1 You confirm you are at least 18 years old.

13.2 These Terms constitute the entire agreement.

13.3 We may update these Terms from time to time. Continued use constitutes acceptance.

13.4 The Contract is governed by the laws of England and Wales.

13.5 The courts of England and Wales shall have exclusive jurisdiction.