Effective Date: September 30, 2026
Last Updated: September 30, 2026

At Healthlity (“Healthlity,” “we,” “us,” or “our”), we want you to understand the terms that apply when you purchase our Services.

Because our offerings include health and wellness coaching, strategy sessions, digital resources, and potentially other products and Services, cancellation and refund terms may differ depending on what you purchase.

This Refund & Cancellation Policy should be read together with our Terms & Conditions and any specific agreement provided for a particular Service.

Nothing in this policy limits any consumer rights or remedies that cannot legally be excluded or limited under applicable law.

1. General Policy

Before purchasing a Healthlity product or Service, you will be provided with the applicable price, payment terms, and material conditions of the purchase.

Depending on the Service, these terms may appear:

on the relevant offer page;
at checkout;
in a written agreement;
in an order confirmation;
or in other purchase documentation.

Where a specific written agreement applies to a Service, that agreement may contain additional cancellation or refund terms.

2. Healthlity Health Clarity Call™

The Healthlity Health Clarity Call™ is a free 20-minute introductory conversation.

There is:

no payment;
no purchase obligation;
no refund requirement.

If you need to cancel or reschedule your Clarity Call, please use the cancellation or rescheduling option provided in your booking confirmation.

Repeated cancellations or no-shows may affect your ability to book future calls.

3. Inside-Out Health Strategy Session™

The Inside-Out Health Strategy Session™ is a paid strategy and planning session.

The applicable price and purchase terms will be presented before payment.

If you need to cancel or reschedule your Strategy Session, please follow the cancellation or rescheduling instructions provided with your booking.

Because the Strategy Session involves reserved time and preparation, cancellation and refund eligibility will be governed by the specific purchase terms provided at checkout and any applicable consumer rights.

Where applicable law provides a cancellation or refund right, that right will apply regardless of any conflicting provision in this policy.

4. Inside-Out Health Rebuild™

The Inside-Out Health Rebuild™ is a six-week private 1:1 health and lifestyle coaching program.

Because this is a health and wellness coaching service, additional written terms may apply to your enrollment.

Your coaching agreement will specify:

program duration;
services included;
price;
payment schedule;
start date;
session schedule;
cancellation and rescheduling terms;
communication terms;
termination provisions; and
applicable refund provisions.

For Ontario consumers, Healthlity will provide the applicable written agreement and comply with applicable statutory requirements. Ontario’s Consumer Protection Act requires personal-development-service agreements to be in writing and delivered to the consumer, and provides a statutory cancellation period in specified circumstances.

The specific coaching agreement provided to you should therefore be treated as the controlling document for your particular coaching engagement, subject to applicable law.

5. Inside-Out Health Transformation™

The Inside-Out Health Transformation™ is a longer-term private health and lifestyle coaching program.

Because of the nature and duration of this Service, enrollment may require a separate written coaching agreement.

That agreement will specify the applicable:

program term;
price;
payment arrangements;
services;
scheduling;
cancellation terms;
termination terms; and
refund provisions.

Any mandatory consumer rights under applicable law continue to apply.

6. Digital Products and Resources

Healthlity may offer digital products such as:

guides;
ebooks;
templates;
courses;
educational resources;
programs;
downloads;
and other digital materials.

The refund terms applicable to each digital product will be disclosed at or before purchase where applicable.

Because digital products may be delivered or made available immediately after purchase, digital products may generally be non-refundable once access or delivery has occurred, except where:

the applicable offer expressly provides a refund;
we agree to a refund;
the product is materially defective or not provided as described; or
applicable law gives you a cancellation or refund right.

Nothing in this section is intended to remove a consumer right that cannot legally be excluded.

7. Subscriptions and Memberships

If Healthlity offers recurring subscriptions or memberships, the applicable checkout or subscription terms will identify:

the recurring price;
billing frequency;
renewal terms;
cancellation process; and
any applicable refund terms.

Unless otherwise stated, cancelling a subscription will prevent future recurring charges but will not automatically result in a refund for a period already paid for, subject to applicable law.

If applicable law gives you a right to cancel or obtain a refund, that right will apply.

8. Physical Products

If Healthlity later offers physical products, separate product-specific policies may apply.

These may include:

shipping;
returns;
damaged products;
defective products;
incorrect orders;
exchanges;
and product-specific refunds.

Where applicable, those terms will be displayed before or at the time of purchase.

Healthlity may maintain a separate Shipping & Returns Policy for physical products.

9. Coaching Session Cancellation and Rescheduling

For paid coaching Services, the applicable coaching agreement or booking terms will specify the cancellation and rescheduling process.

If you need to change a scheduled session, please provide notice as early as reasonably possible.

If you repeatedly:

cancel sessions;
reschedule at short notice;
fail to attend;
or become unavailable for the agreed program,

Healthlity may apply the terms contained in your coaching agreement.

A missed session does not automatically create a right to a refund or extension unless the applicable agreement or law provides otherwise.

10. Health-Related Circumstances

Health circumstances can change unexpectedly.

If you become unable to participate in a Healthlity coaching program because of a health issue, injury, medical recommendation, or other significant circumstance, please contact us as soon as reasonably possible.

Depending on the circumstances and the applicable agreement, we may consider options such as:

rescheduling;
temporarily pausing the program;
adjusting the schedule;
or another reasonable arrangement.

Any such accommodation is considered on a case-by-case basis and does not create an automatic entitlement to a refund unless required by applicable law or the applicable agreement.

Healthlity does not provide medical advice regarding whether you should continue or discontinue a health program. Please consult an appropriate healthcare professional regarding medical decisions.

11. Refund Processing

Where a refund is approved or legally required, refunds will generally be issued to the original payment method where reasonably possible.

The time required for the refund to appear in your account may depend on the payment processor or financial institution.

Healthlity is not responsible for delays caused by a third-party payment processor or financial institution after we have initiated the refund.

12. Taxes and Fees

Where a refund is issued, the treatment of taxes, processing fees, transaction fees, shipping charges, or other amounts will depend on:

the applicable purchase terms;
the nature of the refund;
the payment processor;
and applicable law.

We will not retain amounts that applicable law requires us to return.

13. Purchases Made Through Third Parties

Some Healthlity Services may be purchased through third-party platforms or payment providers.

If a third party processes your transaction, its payment-processing terms may also apply.

However, the applicable Healthlity purchase terms and your statutory consumer rights continue to apply where relevant.

14. Consumer Rights

Healthlity does not intend to contract out of any consumer protection rights that cannot legally be waived.

For example, Ontario’s Consumer Protection Act provides specific cancellation rights for certain internet agreements and personal development services.

For personal development services, Ontario law provides a cooling-off cancellation right in specified circumstances, including a 10-day period calculated from the later of receiving the written agreement and the day all services are available.

Additional cancellation rights can apply where statutory requirements relating to the agreement have not been met.

If you believe you have a statutory cancellation or refund right, please contact us.

15. Internet and Online Purchases

For applicable online consumer agreements, Healthlity will provide the information and contractual documentation required by applicable law.

Ontario’s Consumer Protection Act requires certain information to be disclosed before an internet agreement is entered into and requires an express opportunity for the consumer to accept or decline the agreement and correct errors immediately before entering into it.

Where applicable, Healthlity will provide the consumer with a copy of the agreement in accordance with applicable requirements.

This means the checkout process itself matters, not just the legal page.

16. How to Request a Cancellation or Refund

To request a cancellation or refund, contact:

Healthlity
Legal Entity: CreatorsThing Co.
Email: co*****@********ty.com
Website: Healthlity.com

Please include:

your full name;
email address used for the purchase;
product or Service purchased;
purchase date;
order or transaction number, if available;
the reason for your request, where relevant; and
any information necessary to evaluate the request.

We may need to verify your identity or purchase before processing the request.

17. Changes to This Policy

We may update this Refund & Cancellation Policy from time to time to reflect:

changes to our Services;
new products;
changes to our refund practices;
changes to payment systems;
changes to applicable law; or
other operational requirements.

The most current version will be published on this page with the Last Updated date.

18. Contact Us

If you have questions about refunds, cancellations, or this policy, contact us:

Healthlity
Legal Entity: CreatorsThing Co.
Email: co*****@********ty.com
Website: Healthlity.com