Master Terms & Conditions

1. Business Identity

RAFA Energetics is operated by Rafael Lopez, based in Alberta, Canada, and operating under the business name RAFA Energetics.

Contractual, business, and customer-service contact information appears in Section 40 of these Terms.

2. Eligibility and Legal Capacity

You must be at least 18 years old or the legal age of majority in your jurisdiction, whichever is higher, and must have legal capacity to enter into a binding agreement.

Our directly purchased digital wellness products and adult programs are not intended for minors.

A Service involving a minor may be provided only under a separately approved arrangement and may require parental or guardian consent, participation, intake forms, releases, and additional terms.

By purchasing or using a Service, you represent that the information you provide is accurate and that you meet the eligibility requirements applicable to that Service.

3. Scope of Our Services

RAFA Energetics may offer:

• Digital audio, video, written, and downloadable materials
• Educational courses and personal-development programs
• Private or group wellness sessions
• Live or recorded workshops, classes, and events
• Quizzes, assessments, and informational tools
• Memberships, communities, and support resources
• Consultations, clarity calls, or introductory conversations
• Other related educational or wellness Services

Services may be delivered digitally, remotely, live, through recorded materials, through third-party online platforms, or through a combination of these methods.

The exact content, duration, delivery method, price, access period, and inclusions of a Service are those presented in the applicable sales page, checkout, written offer, confirmation, or Supplemental Terms at the time of purchase.

4. Supplemental Terms and Order of Priority

Certain products, programs, sessions, workshops, events, memberships, or other Services may be subject to additional terms (“Supplemental Terms”).

Any applicable Supplemental Terms will be made available through the relevant sales page, checkout page, order form, booking page, written offer, or purchase confirmation.

The Supplemental Terms form part of your agreement with RAFA Energetics and must be read together with these Master Terms.

If there is a direct conflict:

• The applicable checkout or written offer controls the price, currency, payment schedule, access period, and specific items purchased
• The applicable Supplemental Terms control matters relating specifically to that product or Service
• These Master Terms govern all remaining matters

5. Educational and Wellness Nature of the Services

RAFA Energetics provides educational, experiential, personal-development, and general wellness content and Services.

Depending on the Service, content may include:

• Relaxation or guided-awareness exercises
• Visualization, meditation, or hypnosis-style audio
• Breathing or body-awareness practices
• Emotional-reflection exercises
• Journaling or personal-development prompts
• Energetic, spiritual, or complementary wellness concepts
• Coaching-style questions and educational discussions

These Services are provided for general education, self-reflection, personal development, and wellness support.

6. No Medical, Psychological, or Licensed Professional Treatment

RAFA Energetics does not provide and must not be interpreted as providing medical care, psychotherapy, psychology, psychiatry, counselling, diagnosis, physical therapy, chiropractic treatment, or other regulated healthcare Services.

Our Services are not intended to:

• Diagnose a physical or mental health condition
• Treat, cure, prevent, or mitigate a disease or disorder
• Replace care from a licensed healthcare or mental health professional
• Replace medication, medical testing, psychotherapy, counselling, or emergency care
• Create a physician-patient, therapist-client, or other regulated professional relationship

Do not delay, disregard, discontinue, or modify professional advice, medication, testing, or treatment because of information received from RAFA Energetics.

Consult an appropriately qualified professional when you have concerns about your health, symptoms, diagnosis, medication, treatment, or whether a Service is appropriate for you.

7. No Emergency or Crisis Services

RAFA Energetics is not an emergency, crisis-intervention, suicide-prevention, medical, psychiatric, or public-safety service.

If you are experiencing a medical emergency, severe psychological distress, thoughts of harming yourself or another person, or another situation requiring immediate assistance, stop using our Services and contact local emergency services or an appropriately qualified professional immediately.

8. Safe Use of Audio, Video, and Exercises

You agree to:

• Participate only in a reasonably safe and appropriate environment
• Use a comfortable and reasonable audio volume
• Avoid forcing breathing, movement, visualization, or emotional processing
• Pause or stop any activity that feels unsafe or causes significant distress
• Seek appropriate professional assistance for concerning symptoms

Stop participating and seek appropriate support if you experience severe anxiety, panic, dizziness, disorientation, breathing difficulty, pain, significant emotional distress, or another concerning symptom.

9. Voluntary Participation and Personal Responsibility

Participation is voluntary. You are responsible for deciding whether, when, and how to participate in a Service.

You remain responsible for:

• Your physical, emotional, and psychological wellbeing
• Obtaining appropriate professional advice when needed
• Following safety instructions
• Choosing an appropriate environment for participation
• Your personal decisions, actions, interpretations, and use of the information provided
• Providing accurate and relevant information when completing forms or participating in a Service

You are not required to complete an exercise that feels inappropriate or unsafe.

10. Quizzes, Assessments, and Informational Tools

Quizzes, assessments, categories, scores, archetypes, or suggested next steps offered by RAFA Energetics are intended for education, self-reflection, content personalization, or directing you toward potentially relevant resources.

These tools do not provide medical, psychological, legal, financial, or other regulated professional diagnoses or decisions.

Automated results depend on the answers provided and may not account for every individual circumstance.

11. Accuracy and Availability of Information

We make reasonable efforts to provide useful and accurate information, but educational content may contain errors, omissions, outdated information, or generalizations that do not apply to every individual.

Information on our websites or within our Services is not a substitute for individualized advice from an appropriately qualified professional.

We may correct errors, update content, or clarify information without prior notice.

12. Pricing, Currency, and Taxes

The price, currency, payment structure, applicable taxes, included items, bonuses, and access period are those displayed and accepted at checkout or stated in the applicable written offer.

Prices may be displayed in Canadian dollars, United States dollars, or another clearly identified currency.

You are responsible for reviewing the total price and currency before submitting payment.

Your bank or payment provider may impose foreign-transaction, currency-conversion, insufficient-funds, or other charges. RAFA Energetics does not control and is not responsible for charges imposed directly by your financial institution.

Applicable taxes may be added or included as indicated at checkout.

13. Payment Authorization

By submitting payment information, you:

• Represent that you are authorized to use the selected payment method
• Authorize the applicable payment processor to charge the displayed amount
• Agree to provide accurate billing and contact information
• Agree to update payment information when reasonably necessary for an active payment arrangement

Payments are processed through third-party payment providers. RAFA Energetics does not directly store complete payment-card numbers or security codes.

A payment is not considered complete until the payment processor confirms successful authorization.

14. Payment Plans

When a payment plan is offered, the total price, number of payments, amount of each payment, and payment frequency will be disclosed before purchase.

A payment plan is a method of paying the total purchase price and is not a month-to-month subscription unless the offer expressly states otherwise.

By selecting a payment plan, you authorize each scheduled payment. Failure to participate, use the Service, attend sessions, or complete the Program does not automatically cancel the remaining payment obligation.

If a scheduled payment fails, we may:

• Notify you and request updated payment information
• Retry the payment through the payment processor
• Temporarily suspend access while the account remains overdue
• Pursue amounts lawfully due under the accepted purchase agreement

Nothing in this section limits a legal right or remedy that cannot be waived.

15. Subscriptions and Automatic Renewals

A Service will renew automatically only when the recurring price, billing frequency, renewal structure, and cancellation method are clearly disclosed before purchase.

By purchasing a recurring Service, you authorize the payment processor to charge the disclosed recurring amount until cancellation takes effect.

Unless otherwise stated in the applicable offer:

• Cancellation stops future renewal charges
• Cancellation does not ordinarily create a refund for a billing period that has already begun
• Access continues until the end of the paid billing period

Instructions for cancellation will be provided through the account, confirmation email, applicable Supplemental Terms, or customer support.

16. Digital Delivery and Access

Digital products may be delivered through email, a customer portal, private link, download page, membership platform, web application, or another identified delivery method.

Digital delivery is considered completed when access information is:

• Sent to the email address provided during checkout
• Made available in your customer account
• Displayed on a confirmation or download page

You are responsible for:

• Providing a correct and accessible email address
• Checking spam, junk, promotions, and filtered folders
• Maintaining access to the email account used for purchase
• Protecting passwords, private links, and credentials
• Using compatible devices, software, internet access, and audio settings

Contact [email protected] if you experience a genuine delivery or access problem.

17. Access Period and “Lifetime Access”

The applicable access period is the period stated in the sales page, checkout, written offer, Supplemental Terms, or order confirmation at the time of purchase.

No permanent or lifetime access is promised unless those words are expressly included in the applicable offer.

When “lifetime access” is expressly offered, it means access for as long as RAFA Energetics continues to maintain and make that version of the product reasonably available.

It does not mean the biological lifetime of the purchaser or guarantee that a specific platform will exist indefinitely.

We may change the hosting platform or delivery method and, where reasonably possible, provide instructions for continued access through a replacement method.

18. Appointments, Sessions, and Rescheduling

Appointment times are scheduled according to the time zone displayed in the booking calendar or confirmation.

Free introductory or clarity calls

Unless otherwise stated, free introductory or clarity calls should be rescheduled or cancelled at least 12 hours before the scheduled start time.

Repeated missed calls, late cancellations, or misuse of free booking availability may result in limits on future bookings.

Paid private sessions

Unless a different policy is stated in the applicable offer or Supplemental Terms, paid private sessions must be rescheduled or cancelled at least 24 hours before the scheduled start time.

A session may be treated as used when:

• You do not attend
• You cancel or request rescheduling after the applicable deadline
• You arrive too late for the remaining time to provide the session reasonably
• You are unable to participate because of equipment, internet, or environmental issues under your control

Emergency exceptions may be considered at our discretion and do not create an obligation to provide the same exception in future cases.

If RAFA Energetics must cancel a paid session, we will provide a reasonable opportunity to reschedule.

If rescheduling is not reasonably possible, an appropriate credit or refund for the affected undelivered session will be provided.

19. Workshops, Group Programs, and Live Events

Group Services may involve scheduled dates, participant interaction, live instruction, recordings, community platforms, or materials released according to a schedule.

You agree to:

• Treat participants, facilitators, and staff respectfully
• Avoid disruptive, abusive, discriminatory, threatening, or harassing conduct
• Protect the privacy of information shared by other participants
• Not record, photograph, copy, or distribute another participant’s contribution without permission
• Follow reasonable participation and safety instructions

We may remove a participant whose conduct materially disrupts the Service, threatens safety, violates another person’s privacy, or materially breaches these Terms.

20. Refunds, Cancellations, and Billing Corrections

Digital products

Because digital products can often be accessed or consumed immediately, digital sales are final once access has been delivered, except where:

• A different written guarantee or refund policy was included in the offer
• The applicable Supplemental Terms provide otherwise
• A refund, cancellation, or remedy is required by applicable law

Sessions, events, and other Services

Refund and cancellation rights for live sessions, workshops, events, payment plans, memberships, or programs are governed by the applicable offer, Supplemental Terms, and mandatory law.

Billing and delivery errors

We may review and correct:

• Duplicate charges
• An incorrect amount caused by a verified technical error
• A verified failure to deliver the purchased access
• A charge not authorized by the account holder
• Other situations in which applicable law requires a remedy

A change of mind, failure to use a purchased Service, failure to attend, dissatisfaction with an individual experience, or failure to obtain a desired personal result does not automatically create a right to a refund.

Nothing in these Terms limits a refund, cancellation, or consumer-protection right that cannot legally be waived.

21. Payment Disputes and Chargebacks

Before initiating a payment dispute or chargeback, you are encouraged to contact [email protected] so that we can investigate and attempt to resolve a legitimate billing or delivery issue.

Nothing in this section prevents you from exercising a lawful right provided by your financial institution or applicable consumer law.

Fraudulent disputes, knowingly false claims of non-delivery, or misuse of the chargeback process may result in:

• Suspension of access
• Cancellation of future appointments
• Submission of transaction, login, delivery, and communication records to the payment processor or financial institution
• Other lawful action necessary to address the dispute

22. Personal Licence and Intellectual Property

Unless expressly stated otherwise, your purchase grants you a limited, personal, non-exclusive, non-transferable, and revocable licence to use the purchased materials for your own private, non-commercial purposes during the applicable access period.

RAFA Energetics and its licensors retain all ownership and intellectual-property rights in:

• Audio and video recordings
• Course content, programs, scripts, and exercises
• Written materials, worksheets, guides, and downloads
• Frameworks, methods, structures, and presentations
• Graphics, photographs, design, branding, logos, and website content
• Quizzes, categories, scoring structures, and educational tools

Purchasing access does not transfer ownership of the materials or intellectual property.

23. Prohibited Use

You may not, without prior written permission:

• Share accounts, passwords, private links, or access credentials
• Copy, reproduce, record, republish, or redistribute materials beyond the permission expressly provided
• Sell, sublicense, rent, lend, gift, or transfer access
• Upload materials to file-sharing, social-media, membership, training, or artificial-intelligence platforms
• Translate, adapt, modify, reverse engineer, or create derivative products
• Teach, facilitate, publicly perform, or commercially use our materials
• Use our materials to create or train a competing product, course, database, artificial-intelligence model, or Service
• Remove copyright, trademark, branding, or ownership notices
• Attempt to bypass payment, account, download, or security restrictions
• Use our Services for illegal, fraudulent, abusive, threatening, or harmful purposes

24. User Submissions, Feedback, and Testimonials

You retain ownership of original content you voluntarily submit, such as written feedback, survey responses, photographs, or testimonials.

You grant RAFA Energetics a limited right to process and store submissions as reasonably necessary to:

• Provide the requested Service
• Respond to you
• Maintain transaction and program records
• Comply with legal obligations

We will request separate permission before intentionally publishing an identifiable testimonial, image, recording, case study, or success story for marketing purposes.

You represent that content you submit does not knowingly infringe another person’s privacy, copyright, trademark, confidentiality, or other legal rights.

25. Individual Results and Testimonials

Individual experiences and results vary.

RAFA Energetics does not guarantee:

• A particular physical, emotional, psychological, spiritual, financial, or personal-development result
• Immediate, permanent, or lasting change
• Results within a particular number of days, sessions, or exercises
• That every Service will be appropriate or effective for every person

Results may be affected by personal circumstances, consistency, participation, expectations, environment, lifestyle, physical and emotional health, professional care, and other individual factors.

Testimonials, reviews, case examples, and stories reflect individual experiences and do not promise or guarantee that every person will obtain the same or similar result.

26. Third-Party Platforms and Links

Our Services may depend on third-party providers for payment processing, hosting, email delivery, scheduling, video conferencing, customer accounts, analytics, downloads, advertising, community access, or digital-content delivery.

Third-party Services may experience:

• Maintenance or outages
• Compatibility problems
• Security events
• Service limitations or discontinuation
• Changes to their terms, technology, or features

We will use reasonable efforts to address verified access problems, but we do not control or guarantee the uninterrupted operation of independent third-party Services.

Links to external websites do not constitute an endorsement of every statement, product, policy, or practice of the third party.

27. Privacy

Our collection, use, disclosure, retention, and safeguarding of personal information are described in the RAFA Energetics Privacy Policy .

Acknowledging the Privacy Policy does not waive any privacy right and does not replace a separate request for consent where consent is legally required.

Transactional communications necessary to process a purchase, deliver a Service, manage an appointment, or protect an account may be sent as reasonably required.

Promotional communications are subject to applicable consent and unsubscribe requirements.

28. Suspension and Termination

We may suspend or terminate access where there is a reasonable basis to believe that a user has:

• Shared or resold access
• Copied or distributed protected content
• Used fraudulent or unauthorized payment information
• Harassed, threatened, or endangered another person
• Interfered with the operation or security of a platform
• Made unauthorized commercial use of the Services
• Materially breached these Terms or applicable Supplemental Terms

When appropriate, we may provide notice and an opportunity to correct a breach.

Immediate suspension may occur when reasonably necessary to protect participants, staff, intellectual property, payment systems, privacy, or platform security.

Termination resulting from a user’s material breach does not automatically create a right to a refund.

29. Disclaimer of Warranties

To the fullest extent permitted by applicable law, our websites, content, products, and Services are provided on an “as is” and “as available” basis.

Except for promises expressly stated in an applicable offer, we disclaim implied warranties and representations concerning:

• Merchantability
• Fitness for a particular purpose
• Compatibility with every device or platform
• Continuous or error-free availability
• Accuracy or completeness of general educational information
• Achievement of a particular personal result

This section does not exclude any warranty, condition, representation, or consumer right that cannot legally be excluded.

30. Limitation of Liability

To the fullest extent permitted by applicable law, Rafael Lopez, RAFA Energetics, and their contractors, representatives, and service providers will not be liable for indirect, incidental, special, punitive, consequential, or purely economic losses arising from or relating to:

• Your access to or use of a Service
• Your personal decisions or actions
• Your failure to follow safety instructions
• Unauthorized access caused by your failure to protect credentials
• Third-party platform interruptions or incompatibility
• Failure to obtain an anticipated individual result

To the fullest extent permitted by law, the total aggregate liability relating to a specific product or Service will not exceed the amount you actually paid to RAFA Energetics for the product or Service that directly gave rise to the claim.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, or another liability, statutory remedy, or consumer right that cannot legally be excluded or limited.

31. Limited Indemnification

To the extent permitted by law, you agree to be responsible for reasonable losses, claims, costs, or expenses resulting directly from:

• Your unlawful use of a Service
• Your unauthorized copying, resale, or distribution of protected materials
• Content you submit that knowingly infringes another person’s legal rights
• Your fraudulent, abusive, or intentionally harmful conduct

This obligation does not apply to losses caused by the negligence, wrongdoing, or legal responsibility of RAFA Energetics and does not remove a right or remedy that cannot legally be waived.

32. Events Beyond Reasonable Control

RAFA Energetics will not be considered in breach for a delay or failure caused by circumstances reasonably beyond our control, including:

• Internet, hosting, software, or platform failures
• Power outages or telecommunications interruptions
• Natural disasters, severe weather, fire, or flooding
• Government restrictions or changes in law
• Labour disruptions
• Serious illness, emergency, or incapacity
• Cyberattacks or widespread security incidents

Where reasonably possible, we will attempt to resume delivery, reschedule the affected Service, or provide a reasonable alternative.

33. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Alberta and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Before starting formal proceedings, the parties agree to make a reasonable good-faith effort to resolve the dispute through written communication.

Subject to any mandatory consumer right or jurisdiction that applies in your place of residence, disputes may be brought before a court of competent jurisdiction in Alberta, Canada.

Nothing in these Terms:

• Requires a consumer to participate in mandatory arbitration
• Prevents either party from using an available small-claims procedure
• Prevents a party from seeking urgent protective or injunctive relief
• Waives a statutory right or remedy that cannot legally be waived

34. Mandatory Consumer Rights

These Terms are not intended to remove, waive, restrict, or replace a right or remedy that applicable consumer-protection law does not permit a business or consumer to waive.

If a provision conflicts with mandatory law, the mandatory law will apply only to the extent of the conflict. The remaining provisions will continue in effect.

35. Changes to These Terms

We may update these Terms prospectively to reflect changes in our Services, technology, business practices, or legal obligations.

The version presented or made available at the time of your purchase will ordinarily govern that purchase.

A later material change will not retroactively reduce your purchased rights unless:

• The change is required by applicable law
• You expressly agree to the change
• The change benefits you
• The change is reasonably necessary for security or continued delivery and does not materially deprive you of the purchased Service

Updated Terms will display a revised “Last Updated” date.

36. Severability and No Waiver

If a provision of these Terms is found invalid, unlawful, or unenforceable, the provision will be limited or removed only to the minimum extent necessary.

The remaining provisions will continue in effect.

A failure or delay in enforcing a provision does not constitute a permanent waiver of that provision or any other right.

37. Assignment

You may not transfer your purchase, account, access rights, or contractual obligations to another person without prior written permission.

RAFA Energetics may assign or transfer these Terms in connection with a legitimate sale, restructuring, financing, or transfer of the business, provided that the transfer does not eliminate mandatory consumer rights.

38. Entire Agreement

These Master Terms, the applicable Supplemental Terms, the accepted checkout information, the applicable written sales offer, and any separately signed agreement form the agreement between you and RAFA Energetics concerning the purchased Service.

To the extent permitted by applicable law, statements outside the applicable written offer or agreement do not create additional contractual obligations.

39. Electronic Communications and Signatures

You agree that contracts, disclosures, notices, receipts, confirmations, and other records may be provided electronically.

Clicking an acceptance checkbox, submitting an order, signing electronically, or otherwise clearly indicating acceptance may have the same legal effect as a handwritten signature, subject to applicable law.

You are responsible for maintaining an accurate email address and retaining copies of documents relevant to your purchase.