Terms of service & Privacy Policy 

This document outlines the Terms of Service and Privacy Policy for products and services provided under the brand name MotherKnows, a sole proprietorship operated by Monique Coelho. By using this website, booking a session, or purchasing a product, you agree to the terms below.

Privacy Policy

Effective Date: 04/19/2025

This Privacy Policy explains how we collect, use, and protect your personal information. By booking or purchasing through our platforms, you consent to this policy.

Information We Collect:
- Name, email address, and billing information
- Payment data processed securely through third parties (e.g., Venmo, Zelle)
- General website usage data via analytics tools

How We Use Your Data:
- To deliver spiritual and educational services (e.g., tarot, astrology, Reiki, coaching)
- To process payments and send confirmations
- To improve service quality and send optional newsletters or updates

Third-Party Services:
We use trusted third-party platforms for scheduling, payment, and content delivery. These include but are not limited to Calendly, Venmo, and Google Forms. They maintain their own privacy policies. We do not sell or share your information.

Terms of Service

Effective Date: 04/19/2025

1. **Spiritual & Intuitive Services Disclaimer**

   - This is an intuitive business. Services offered are for personal growth, energetic insight, and entertainment purposes only.

   - Always use discernment and seek professional advice where applicable (medical, legal, psychological, financial).

2. **No Guarantees**

   - Results will vary for each individual. No guarantees about specific outcomes from services or sessions.

3. **Payment, Refunds, & Cancellations**

   - All payments are final. No refunds will be issued after a session has begun or a digital product has been delivered.

   - Reschedules must be requested at least 24 hours in advance.

4. **Intellectual Property**
  - All PDF guides, content, and materials are the property of Monique Coelho doing business as MotherKnows. They may not be reproduced or redistributed without written consent.

5. **Jurisdiction**
  - This agreement is governed by the laws of the state of California.

Acknowledgment

By placing an order or booking a session, you confirm that you have read and agree to the terms outlined above. You acknowledge that Mother Knows is a sole proprietorship operated by Monique Coelho.