TERMS & CONDITIONS

Karen Sutton The Widow Coach

Last updated: September 2026

These Terms and Conditions apply to coaching services, programmes, memberships, communities and professional training provided by Karen Sutton The Widow Coach.

Please read these Terms and Conditions carefully before purchasing or enrolling in any service. By purchasing a service or programme, you confirm that you have read, understood and agreed to these Terms and Conditions.

Nothing in these Terms and Conditions affects any statutory rights you may have as a consumer.

1. KAREN SUTTON THE WIDOW COACH SERVICES

1.1

The services provided by Karen Sutton The Widow Coach may include individual coaching, group coaching programmes, memberships, communities, workshops, online events, educational resources and professional coach training and certification.

The particular content, duration, format, price and inclusions of each service or programme will be described on the relevant sales page, booking page, programme information, email correspondence or other information provided to you before purchase.

1.2

Services may be delivered online through platforms including Zoom, Kajabi or other online platforms, or in person where specifically stated.

1.3

Karen Sutton's coaching and educational services are not counselling, psychotherapy, psychoanalysis, medical treatment or mental health treatment.

Coaching is not intended to diagnose, treat or cure any physical or mental health condition and should not be used as a substitute for appropriate professional advice or treatment.

It is your responsibility to obtain appropriate independent professional advice in relation to medical, psychological, legal, financial, business, insurance or other specialist matters where required.

1.4

You remain responsible for your own decisions, actions, wellbeing and results throughout your participation in any service or programme.

2. ELIGIBILITY AND SUITABILITY

2.1

You must be aged 18 or over to purchase or participate in services provided by Karen Sutton The Widow Coach unless expressly agreed otherwise in writing.

2.2

Some programmes are designed for people at particular stages of grief, personal development or professional development. Where eligibility or suitability criteria are specified for a programme, you are responsible for providing accurate information when applying or enrolling.

2.3

Karen Sutton reserves the right to decline an application or enrolment where she reasonably believes that a programme is not appropriate for an individual's circumstances, needs or level of support required.

Where payment has already been taken and Karen Sutton decides, before services have commenced, that the programme is not appropriate, any refund due will be made in accordance with applicable law and the circumstances of the booking.

2.4

Clients and participants are expected to behave respectfully and safely towards Karen Sutton, team members, mentors, facilitators, other participants and members of the community.

Threatening, abusive, discriminatory, harassing, violent, sexually inappropriate or seriously disruptive behaviour will not be accepted.

Serious or repeated breaches of these standards may result in suspension or removal from a programme or community. Where appropriate and safe to do so, concerns will normally be raised with the participant before removal. Immediate removal may be necessary where there are serious safeguarding, safety, legal or behavioural concerns.

Any financial consequences of suspension or removal will be considered in accordance with these Terms and applicable consumer law.

3. FORMATION OF THE CONTRACT

3.1

Your contract with Karen Sutton The Widow Coach begins when your booking or application has been accepted and you make the first payment or full payment required to secure your place, unless you are told otherwise in writing.

3.2

Before purchasing, you should read the information provided about the relevant service or programme, including its price, duration, format, payment arrangements and any significant conditions of participation.

3.3

The following are currently offered as fixed-term programmes:

Finding Hope in Widowhood is an eight-month group coaching programme.

Vibrant Living is a sixteen-week group coaching programme.

The Widow Coach Certification is a fixed-term professional training programme for the duration stated in the programme information provided at enrolment.

These are fixed-term programmes rather than monthly or pay-as-you-go memberships.

3.4

Re-member is an ongoing monthly membership rather than a fixed-term programme and may be cancelled at anytime.

Cancellation of Re-member will prevent future membership payments from becoming due after the effective cancellation date. Payments already made are not ordinarily refundable for membership periods already provided, subject always to your statutory rights.

4. STATUTORY 14-DAY CANCELLATION RIGHT

4.1

Where you purchase a service online, by telephone or otherwise at a distance and you are purchasing as a consumer, you may have a statutory right to cancel your contract without giving a reason.

Where this statutory right applies, the cancellation period will normally expire 14 days after the day on which the contract is entered into.

This means that where you purchase a programme several weeks before it begins, the statutory cancellation period ordinarily runs from the date the contract is entered into rather than from the first day of the programme.

4.2

To exercise your statutory right to cancel, you must communicate clearly to Karen Sutton The Widow Coach that you wish to cancel before the cancellation period expires.

You may do this by email or another clear written communication using the contact details provided to you.

You do not have to give a reason for cancelling within the statutory cancellation period.

4.3

Where no services have been supplied during the statutory cancellation period, payments will be refunded in accordance with your statutory rights.

No arbitrary administration charge will be deducted from a refund where doing so would be inconsistent with your statutory rights.

4.4

If you expressly ask for a service to begin during the 14-day cancellation period, you acknowledge that if you subsequently cancel during that period you may be required, where permitted by law, to pay a proportionate amount for services already supplied.

4.5

Where digital content is supplied to you immediately following purchase, different statutory provisions may apply to that digital content.

Where required by law, you may be asked to give your express consent to receiving digital content during the cancellation period and to acknowledge the effect that this may have on your cancellation rights.

4.6

Nothing in these Terms and Conditions limits or excludes any cancellation, refund or other right that cannot lawfully be limited or excluded.

5. FIXED-TERM PROGRAMMES AND CANCELLATION AFTER THE COOLING-OFF PERIOD

5.1

Finding Hope in Widowhood, Vibrant Living and the Widow Coach Certification are substantial fixed-term programmes for which places, resources, staffing, mentoring, teaching and programme capacity are planned in advance.

By enrolling, you are making a commitment to participate in the programme for its stated duration and Karen Sutton The Widow Coach is making a corresponding commitment to provide the programme and the resources associated with your place.

5.2

Where you choose an instalment plan, the instalments are a method of paying the agreed programme price. They do not convert the programme into a monthly membership or pay-as-you-go service.

The total programme price and instalment arrangements will be made clear before you purchase.

5.3

Once any applicable statutory cooling-off period has expired, there is no automatic contractual right to withdraw from a fixed-term programme simply because you change your mind, decide not to participate, become too busy, do not attend sessions or do not use the materials.

However, nothing in this clause removes any rights you have under applicable consumer law.

5.4

If you wish to leave a fixed-term programme after the applicable cooling-off period, please contact Karen Sutton The Widow Coach as soon as possible.

Any amount that remains payable following your withdrawal will be determined fairly and in accordance with applicable law, taking into account matters such as:

the services and resources already provided to you;

costs and commitments reasonably incurred in connection with your place;

the stage of the programme at which you withdraw;

whether your place can reasonably be filled by another participant;

any costs or expenditure that can reasonably be avoided as a result of your withdrawal; and

any other relevant circumstances.

Karen Sutton The Widow Coach will take reasonable steps to mitigate losses arising from cancellation.

Any cancellation amount charged will be intended to reflect genuine losses arising from your withdrawal and will not be used as a penalty.

5.5

Depending on the circumstances and the stage at which cancellation occurs, the reasonable loss arising from your cancellation may represent a significant proportion of the outstanding programme fee.

You will never be required under these Terms to pay an amount that cannot lawfully be charged.

5.6

Exceptional circumstances can arise and are considered individually. If illness, bereavement, serious personal circumstances or another significant event affects your ability to continue, you are encouraged to contact Karen Sutton The Widow Coach so that the circumstances and any reasonable options can be considered.

This does not create an automatic entitlement to a refund, transfer, deferral or release from payment obligations, but reasonable requests will be considered fairly.

6. 1:1 COACHING SESSIONS

6.1

Each individual coaching session will last for the duration agreed at the time of booking.

6.2

Any statutory cancellation rights applying to the purchase of a 1:1 coaching package or session remain unaffected by these Terms.

6.3

Once any statutory cancellation period has expired, booked sessions may be rescheduled by giving at least 24 hours' notice.

Where less than 24 hours' notice is given, or you fail to attend a booked session, Karen Sutton reserves the right to treat that session as having been used, except where doing so would be unfair or contrary to applicable law.

6.4

Where Karen Sutton needs to cancel a session, reasonable efforts will be made to rearrange it for a mutually convenient time.

6.5

Sessions will begin at the agreed time. If you arrive late, the session will ordinarily still finish at the originally scheduled finishing time.

6.6

You may be asked to complete questionnaires or preparatory exercises before coaching sessions. Where these are required, you are responsible for completing them within the timeframe requested.

6.7

Session availability and schedules may vary during school holidays, public holidays and periods of annual leave. Reasonable notice will be provided wherever possible.

7. GROUP PROGRAMMES, MEMBERSHIPS AND COMMUNITIES

7.1

Re-member, Finding Hope in Widowhood and Vibrant Living are community and/or group-based offerings designed to provide coaching, education, support, connection and opportunities for personal growth.

The Widow Coach Certification is a professional training and development programme incorporating education, coaching skills development, practice, supervision, community and other elements described in the programme information.

7.2

You are responsible for attending scheduled calls, accessing programme materials and engaging with the programme to the extent that feels appropriate for you.

Failure to attend live sessions, access recordings, complete exercises or use the resources made available does not in itself create a right to a refund.

7.3

Live sessions will be scheduled with reasonable advance notice wherever possible.

Occasionally it may be necessary to change a date, time, facilitator, mentor, guest speaker or other aspect of the published schedule.

Reasonable notice will be provided where practicable and Karen Sutton will seek to ensure that the overall substance and value of the programme is not materially reduced.

7.4

No particular personal, emotional, professional, financial or business outcome is guaranteed.

Every participant's circumstances and experience are different and outcomes depend on many factors outside Karen Sutton's control.

7.5

Community spaces are intended to be compassionate, respectful and non-judgmental.

Participants are expected to respect the experiences, opinions, identities, privacy and confidentiality of other participants.

Information or personal stories shared by another participant within a private group, call, community or programme must not be shared outside that space without the person's permission.

7.6 RECORDINGS AND REPLAYS

Where recordings or replays are provided, they are intended as an additional resource and their availability will be as stated in the relevant programme information.

Recordings for Finding Hope in Widowhood and Vibrant Living are currently described as being available for the lifetime of the programme. For the purposes of these Terms, this means for as long as Karen Sutton The Widow Coach continues to provide and host those services as part of the business. It does not mean the lifetime of the individual participant.

Re-member recordings are currently available on a rolling six-month basis.

Access to recordings, training and materials for the Widow Coach Certification will be for the period or access duration specified in the Certification information provided at enrolment.

Karen Sutton cannot guarantee that any online platform or technology will remain available indefinitely. Where a platform needs to be changed, reasonable efforts will be made to preserve access in another suitable format where continued access has been promised.

7.7

All live session times will ordinarily be provided in UK time, either GMT or BST depending on the time of year.

International participants are responsible for checking the corresponding time in their own location.

7.8

You are responsible for having appropriate internet access, equipment and software to access online services.

Karen Sutton is not responsible for technical difficulties arising from your equipment, internet connection or third-party services outside her reasonable control.

8. WIDOW COACH CERTIFICATION

8.1

The Widow Coach Certification is a professional coach training programme. Enrolment and payment for the programme do not automatically guarantee that you will successfully complete the programme or receive certification.

8.2

To be awarded certification, participants must satisfactorily complete the requirements communicated as part of the programme.

These may include, where applicable, training modules, attendance requirements, coaching practice, reflective work, case studies, supervision, assessments, recorded practice sessions, ethical requirements and other reasonable completion criteria forming part of the programme.

8.3

Participants are expected to practise within the boundaries of their training and competence and to follow the ethical, safeguarding and professional standards communicated throughout the Certification.

8.4

Where participants undertake practice coaching or case-study work with other people as part of their training, they are responsible for following the procedures and requirements provided by Karen Sutton The Widow Coach, including any requirements relating to consent, confidentiality, safeguarding, record keeping, supervision and insurance.

8.5

Karen Sutton reserves the right to require additional practice, learning, supervision or assessment before awarding certification where the required standard has not yet been demonstrated.

Where reasonable concerns arise regarding a participant's professional conduct, ethics, safeguarding, competence or suitability to practise, Karen Sutton may discuss those concerns with the participant and may require remedial action before certification is awarded.

8.6

In serious circumstances, including significant ethical or safeguarding concerns, Karen Sutton may suspend a participant from practice or from the Certification programme while concerns are reviewed.

Any decision affecting continued participation will be made reasonably and with regard to the safety of clients, participants and the wider community.

8.7

Completion of the Widow Coach Certification does not guarantee employment, self-employed work, clients, business success, earnings, insurance, membership of a professional organisation or recognition by any particular third-party body.

Any external accreditation or recognition will only apply where it has been expressly confirmed in the programme information.

8.8

Participants remain responsible for ensuring that they have any insurance, registrations, policies, licences or other professional arrangements legally or professionally required for the work they undertake.

9. CLIENT RESPONSIBILITY AND EMOTIONAL WELLBEING

9.1

Grief, personal development and coaching conversations can bring up strong emotions.

Karen Sutton will seek to provide services with care and compassion, but participation in coaching does not replace professional mental health care.

9.2

If you are experiencing significant psychological distress, feel unable to keep yourself or another person safe, or require urgent mental health support, you should seek appropriate professional or emergency support.

Karen Sutton The Widow Coach does not provide an emergency or crisis service.

9.3

Karen Sutton and her team aim to respond to routine messages and emails within 48 business hours, Monday to Friday.

This service does not include 24-hour messaging or emergency support unless expressly stated otherwise.

10. FEES AND PAYMENT

10.1

The price of the service or programme will be clearly communicated before purchase.

10.2

Where an instalment plan is offered for a fixed-term programme, it is a payment arrangement for the programme price rather than a monthly membership.

You agree to make instalment payments on the agreed dates unless the contract is lawfully cancelled or another arrangement is agreed in writing.

10.3

If a payment fails, you should make arrangements to bring the account up to date promptly.

Karen Sutton The Widow Coach may contact you to arrange payment and may temporarily suspend access to services while overdue payments remain unresolved, provided doing so is lawful and proportionate.

10.4

Nothing in these Terms gives Karen Sutton The Widow Coach a right to recover payments, interest, fees or cancellation charges that would be unlawful or unfair under applicable consumer law.

10.5

If you are outside the United Kingdom, all fees are set and charged in GBP (£) unless expressly stated otherwise.

The amount charged in your local currency may vary due to exchange-rate fluctuations or charges imposed by your bank, card issuer or payment provider. Karen Sutton The Widow Coach does not receive any additional payment as a result of those fluctuations or third-party charges.

11. INTELLECTUAL PROPERTY

11.1

All programme materials, teaching content, videos, recordings, workbooks, exercises, frameworks, methodologies, presentations, resources, graphics and other materials supplied by Karen Sutton The Widow Coach remain the intellectual property of Karen Sutton or the relevant rights holder.

11.2

Unless expressly stated otherwise, materials are provided to you for your own personal use and learning.

You may not copy, reproduce, republish, sell, licence, distribute, upload, share or otherwise make programme materials available to another person without prior written permission.

11.3

You may not record, photograph, screen-record or otherwise reproduce any coaching session, group call, training session, membership call or programme session without prior permission.

11.4

Nothing in these Terms transfers ownership of Karen Sutton's intellectual property to you.

11.5

Participants in the Widow Coach Certification may use tools or materials in their own coaching practice only to the extent expressly permitted as part of the Certification. Participation in or completion of the Certification does not give participants ownership of Karen Sutton's proprietary frameworks, programme materials or intellectual property.

Any specific licence to use named frameworks, resources or materials will be explained separately where applicable.

12. CONFIDENTIALITY AND PRIVACY

12.1

Karen Sutton The Widow Coach will handle personal information in accordance with applicable data protection law, including the UK GDPR and the Data Protection Act 2018.

Further information about how personal data is collected, used, stored and protected is contained in the Privacy Policy.

12.2

You consent to Karen Sutton holding and processing personal information where reasonably necessary to administer and provide the services you have purchased and for other lawful purposes described in the Privacy Policy.

12.3

Karen Sutton will respect the confidentiality of information shared during coaching, subject to legal, safeguarding and professional limitations.

Information may be disclosed where required by law, a court or regulatory authority, or where Karen Sutton reasonably considers disclosure necessary in connection with a serious safeguarding or safety concern and disclosure is lawful.

12.4

Group coaching and community programmes involve other participants. While participants are required to respect confidentiality, Karen Sutton cannot guarantee the conduct of every participant and therefore cannot guarantee absolute confidentiality within a group environment.

Participants should use their own judgement when deciding what personal information to share.

13. FEEDBACK, REVIEWS AND TESTIMONIALS

13.1

Karen Sutton may invite you to provide feedback or a testimonial about your experience.

Providing a testimonial is voluntary.

13.2

Your testimonial, name, photograph or other identifying information will only be used in marketing where appropriate permission or another lawful basis exists.

Where you have agreed that a testimonial may be anonymous, reasonable steps will be taken to preserve that anonymity.

13.3

Nothing in these Terms prevents you from making an honest review, raising a complaint, seeking legal advice, contacting an appropriate authority or exercising your legal rights.

Both parties are expected not to make statements about the other that they know to be false or unlawful.

14. LIABILITY

14.1

Karen Sutton The Widow Coach will provide services with reasonable care and skill.

Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your statutory consumer rights.

14.2

Coaching involves personal choice and individual participation. Karen Sutton cannot guarantee any particular personal, emotional, relationship, professional, business or financial outcome.

14.3

Karen Sutton is not responsible for losses arising solely from decisions you make independently following coaching or programme participation where the services themselves have been provided with reasonable care and skill.

14.4

To the fullest extent permitted by law, Karen Sutton will not be responsible for losses that were not reasonably foreseeable when the contract was entered into.

14.5

Where you are purchasing services as a consumer, nothing in these Terms excludes or restricts rights or remedies available to you under consumer law.

14.6

Karen Sutton is not responsible for failures or interruptions caused by third-party technology or services outside her reasonable control, although reasonable efforts will be made to minimise disruption to the services provided.

15. CHANGES TO PROGRAMMES AND SERVICES

15.1

Occasionally reasonable changes may need to be made to programme dates, times, content, speakers, mentors, facilitators, platforms or delivery arrangements.

15.2

Changes will not be made arbitrarily. Any change will be made for a genuine reason and reasonable notice will be provided wherever practicable.

15.3

Where a proposed change would materially alter the principal service you purchased or significantly reduce its value, Karen Sutton will seek to offer a reasonable alternative or other appropriate remedy in accordance with your legal rights.

16. EVENTS OUTSIDE OUR REASONABLE CONTROL

16.1

Karen Sutton will not be responsible for delay or failure to perform obligations where this results from circumstances genuinely outside reasonable control.

Such circumstances may include serious illness, bereavement, natural disaster, severe weather, pandemic, government restrictions, war, civil disturbance, major technological failure or other comparable events.

16.2

Where such circumstances arise, reasonable efforts will be made to communicate with participants, minimise disruption and, where possible, rearrange or provide an appropriate alternative to affected services.

Nothing in this section removes any statutory rights you may have where services cannot ultimately be provided.

17. TERMINATION BY KAREN SUTTON THE WIDOW COACH

17.1

Karen Sutton may suspend or terminate your participation where there is a serious or repeated breach of these Terms, including serious abusive or threatening behaviour, harassment, discrimination, safeguarding concerns, misuse of confidential information or intellectual property, or behaviour that creates a significant risk to another participant or member of the team.

17.2

Except where immediate action is reasonably necessary because of the seriousness of the circumstances, you will normally be informed of the concern and given a reasonable opportunity to address it.

17.3

The financial consequences of termination will depend upon the circumstances and will be dealt with fairly and in accordance with applicable law. These Terms do not permit Karen Sutton to retain or demand sums that would constitute an unlawful penalty or unfair consumer term.

18. COMPLAINTS AND DISPUTES

18.1

If you are unhappy with any aspect of the service, please contact Karen Sutton The Widow Coach as soon as possible so that there is an opportunity to understand and resolve the concern.

18.2

Both parties agree to make reasonable efforts to resolve disputes constructively and in good faith before commencing formal legal proceedings where appropriate.

18.3

Nothing in these Terms prevents you from obtaining independent advice, exercising your statutory rights, making an honest review or contacting an appropriate regulatory, consumer or legal body.

19. THIRD-PARTY RIGHTS

19.1

Unless expressly stated otherwise, a person who is not a party to this agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

20. SEVERABILITY

20.1

If any provision of these Terms is found by a court or other competent authority to be invalid, unlawful or unenforceable, that provision will be treated as removed or modified to the minimum extent necessary.

The remaining provisions will continue to apply.

21. ENTIRE AGREEMENT AND PROGRAMME INFORMATION

21.1

These Terms should be read together with the specific information provided to you about the service or programme you purchase, including the relevant sales or booking page, payment information and Privacy Policy.

21.2

If a programme has specific additional terms that differ from these general Terms, those additional terms will be brought to your attention before purchase.

22. GOVERNING LAW

22.1

These Terms and any dispute or claim arising from them are governed by the laws of England and Wales.

22.2

If you are a consumer resident elsewhere in the United Kingdom or another jurisdiction, you may also have mandatory consumer rights and rights relating to where proceedings can be brought that cannot lawfully be excluded by these Terms.

Nothing in these Terms is intended to remove those rights.

23. CONTACT

Questions about these Terms, requests to exercise cancellation rights, complaints or other contractual communications should be sent using the contact details published by Karen Sutton The Widow Coach on the website or provided in your booking documentation.

Last updated: September 2026