Natalie Stecko Coaching

Terms and Conditions

Coaching Programs & Digital Products

Last updated: May 2026

1. About These Terms

These Terms and Conditions (“Terms”) govern your purchase and use of any coaching programs, group programs, one-on-one coaching, digital products, downloadable resources, and online courses (“Services”) offered by Natalie Stecko / Natalie Stecko Coaching (ABN: 16 923 490 315, trading as Natalie Stecko (“we,” “us,” or “our”).

Our contact details: nat@nataliestecko.com | www.nataliestecko.com

2. Services Offered

We offer the following types of Services:

Group coaching programs (e.g., The Unstoppable Challenge, In Control)
One-on-one coaching packages
Monthly membership or subscription programs
Digital products including PDFs, workbooks, and downloadable guides
Online courses and educational content

The specific inclusions, duration, and delivery method for each Service are described on the relevant sales page at the time of purchase. We reserve the right to update or modify our Services with reasonable notice.

3. Payment & Pricing

All prices are displayed in Australian Dollars (AUD) unless otherwise stated. Prices are inclusive of GST where applicable.

Payment is due in full at the time of purchase unless a payment plan has been expressly agreed upon. Payment plans do not reduce the total amount owed — they simply extend the schedule of payment. If you miss a payment plan instalment, access to the Services may be suspended until payment is received.

We use secure third-party payment processors. We do not store your full payment details. By purchasing, you agree to the terms of the relevant payment processor.

We reserve the right to change our pricing at any time. Price changes will not affect purchases already completed.

4. Refund & Cancellation Policy

4.1 Your Australian Consumer Law Rights

Nothing in these Terms limits or excludes any rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) ("ACL"). Under the ACL, consumers are entitled to guarantees including that services will be rendered with due care and skill, and that goods will be of acceptable quality.

If a Service fails to meet a consumer guarantee under the ACL, you may be entitled to a remedy including a refund, re-supply of the service, or compensation for consequential loss. These rights cannot be excluded, restricted, or modified.

4.2 Our General Refund Policy

Subject to your rights under the ACL, our general refund policy is as follows:

Digital products (PDFs, workbooks, downloadable guides): Due to the instant-access nature of digital products, we do not offer refunds once the product has been downloaded or accessed, except where required by the ACL.
Group coaching programs: No refunds are available once the program has commenced or access has been granted, except where required by the ACL. If you choose not to participate, you remain liable for the full program fee.
One-on-one coaching packages: If you wish to cancel before your first session, please contact us within 48 hours of purchase. A full refund minus any transaction fees may be offered at our discretion. No refunds are available once sessions have commenced.
Subscription/membership programs: You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No partial-period refunds are provided.

To request a refund under the ACL or to raise a concern about a Service, please contact us at nat@nataliestecko.com and we will respond promptly.

5. Nature of Coaching — Important Disclaimer

Our coaching Services are educational and personal development in nature. They are not a substitute for professional medical advice, mental health treatment, psychological counselling, addiction treatment, or any other licensed health or medical service.

Coaching is not therapy and does not treat, diagnose, or cure any medical condition, including alcohol use disorder or any related condition. If you are concerned about your relationship with alcohol or your mental health, please consult a qualified medical or mental health professional.

Results from coaching vary and depend on many factors including your individual commitment, circumstances, and effort. We make no guarantee of specific outcomes, and any testimonials or results shared are not representative of typical results.

6. Your Responsibilities

By purchasing our Services, you agree to:

Be at least 18 years of age
Provide accurate information when enrolling or booking
Engage respectfully with us and any other participants in group settings
Take responsibility for your own choices, wellbeing, and outcomes
Not share, resell, or distribute any program materials, recordings, or resources without our express written permission
Not use our content to train AI models or for commercial purposes

7. Intellectual Property

All content, materials, workbooks, PDFs, audio, video, frameworks, and branding associated with Natalie Stecko Coaching and our Services are our intellectual property and are protected by Australian and international copyright law.

You are granted a limited, non-exclusive, non-transferable licence to access and use the materials for your own personal, non-commercial use only. You may not copy, reproduce, distribute, publicly display, sell, or create derivative works from any of our materials without our prior written consent.

8. Privacy

We collect and handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Your information is used to deliver our Services, communicate with you, and improve our offerings. We do not sell your personal information to third parties.

By purchasing from us, you consent to receiving service-related communications. You may opt out of marketing emails at any time. For full details, please refer to our Privacy Policy at www.nataliestecko.com.

9. Limitation of Liability

To the maximum extent permitted by law (including the ACL), our total liability to you for any loss or damage arising out of or in connection with these Terms or our Services is limited to the amount you paid for the relevant Service.

We are not liable for any indirect, incidental, special, or consequential loss including loss of revenue, loss of profits, loss of anticipated savings, or loss of opportunity — except where such liability cannot be excluded by law.

Nothing in these Terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

10. International Buyers

Our Services are operated and offered from Australia. These Terms are governed by the laws of Western Australia, Australia. If you are purchasing from outside of Australia, please note the following:

Governing law: These Terms are governed by the laws of Western Australia, and any disputes will be resolved in the courts of Western Australia, unless your local law mandates otherwise.
Consumer protection rights: If you are located in a jurisdiction with mandatory consumer protection laws (such as the United Kingdom, the European Union, New Zealand, Canada, or the United States), those local laws may apply to your purchase alongside or in place of the ACL where they provide a higher level of protection. We do not seek to exclude mandatory consumer rights you may hold under your local law.
EU buyers: If you are purchasing as a consumer in the European Union, you may have a right of withdrawal (cooling-off period) of 14 days from the date of purchase, except for digital content that you have expressly consented to access immediately. By requesting immediate access to digital products, you acknowledge that you lose this right of withdrawal.
UK buyers: The Consumer Rights Act 2015 (UK) may apply. Similar cooling-off rights apply for digital content accessed immediately, as noted above for EU buyers.
New Zealand buyers: The Consumer Guarantees Act 1993 (NZ) and Fair Trading Act 1986 (NZ) may provide you with additional protections.

If you are unsure about your rights as an international consumer, we encourage you to seek local advice. Regardless of jurisdiction, we are committed to resolving any concerns fairly and promptly — please reach out to us first at nat@nataliestecko.com.

11. Dispute Resolution

If you have a concern or complaint about our Services, we ask that you contact us first at nat@nataliestecko.com and give us the opportunity to resolve the matter.

If we are unable to resolve your complaint, you may refer the matter to the relevant consumer protection authority in your jurisdiction — in Australia, this is the Australian Competition and Consumer Commission (ACCC) or your state's consumer affairs body.

12. Changes to These Terms

We may update these Terms from time to time. The current version will always be available on our website. Continued use of our Services after any update constitutes your acceptance of the revised Terms. For existing program participants, we will provide reasonable notice of any material changes.

13. Entire Agreement

These Terms, together with any program-specific agreements, constitute the entire agreement between you and us with respect to your purchase and use of our Services. They supersede all prior communications and representations.

If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force and effect.

Natalie Stecko Coaching | ABN: 16 923 490 315

nat@nataliestecko.com] | www.nataliestecko.com