RISK AND LIABILITY

Terms and Conditions

Last updated on August 02, 2026

1. Definitions

Client: the person using this website, purchasing services or products, or receiving coaching.

Coach: Jacob Mark, operating as Life Rich Coaching™, based in Ontario, Canada. Referred to below as "we," "us," or "Jacob."

Services: the three coaching packages — Foundations, The Sprint, and Life Rich — along with any digital products, guides, or programs offered through this website.

2. Agreement to These Terms

By using this website or purchasing any service or product from us, you agree to these Terms and Conditions and are legally bound by them. If you do not agree, please do not use the website or purchase our services.

Clients must be 18 years or older to purchase coaching services.

3. The Services

Life Rich Coaching™ provides online personal training and health coaching. Coaching is delivered remotely through a coaching application, written check-ins, scheduled calls, and messaging, depending on the package purchased.

Foundations is month-to-month coaching. It includes one 60-minute kickoff call, then ongoing coaching through the app: weekly written check-ins and messaging support. It is billed monthly until cancelled.

The Sprint is a 12-week coaching program. It includes weekly 30-minute coaching calls, food tracking and nutrition coaching, and progressive programming across three phases. It is paid in full.

Life Rich is a 6-month coaching program. It includes everything in The Sprint, plus monthly deep dive calls, life coaching and mindset work, two full training phases, and an exit plan. It is paid in full.

Package inclusions, pricing, and terms are presented and confirmed during a discovery call before purchase. Prices are in Canadian dollars and do not include applicable taxes, which are calculated at checkout.

3.1 What Coaching Is Not

Jacob Mark is a certified personal trainer and certified life coach. He is not a physician, registered dietitian, physiotherapist, or licensed mental health professional.

Coaching services are for general health, fitness, and lifestyle purposes only. Nothing provided constitutes medical advice, medical nutrition therapy, physiotherapy, psychotherapy, or the diagnosis or treatment of any condition. Nutrition guidance is general coaching within the scope of a certified personal trainer.

You should consult your physician before beginning any exercise or nutrition program, particularly if you have any medical condition, injury, or are taking medication. Where our health screening indicates it, we require written clearance from your physician before training begins.

4. Assumption of Risk and Limitation of Liability

Physical exercise carries inherent risks, including but not limited to muscle strain, joint injury, cardiovascular events, and in rare cases serious injury or death. By participating in any program or service provided by Jacob Mark, you acknowledge these risks and accept full responsibility for your participation.

You agree to perform all exercises within your own capabilities, to stop immediately if you experience pain, dizziness, or discomfort, and to seek medical attention where appropriate. You agree to disclose all relevant medical conditions, injuries, and medications honestly during onboarding and to update us if anything changes.

To the fullest extent permitted by law, Jacob Mark and any associated directors, contractors, agents, or affiliates are not liable for any direct, indirect, consequential, punitive, special, or exemplary damages or loss of any kind arising from the use of our products, services, content, or materials, or from participation in any program.

5. Payment

Payment in full: all coaching packages are paid in full at the time of purchase unless a payment plan has been expressly agreed in writing.

Payment plans: where a payment plan is agreed, all scheduled payments remain due regardless of participation. Failure to complete scheduled payments may result in coaching being paused or terminated.

Third-party financing: installment payment options offered at checkout through third-party providers are subject to that provider's own terms, approval, and fees. We are not responsible for their decisions or terms.

Recurring billing: Foundations is billed monthly on the same date each month and renews automatically until cancelled in accordance with section 6.2.

Currency and tax: all prices are in Canadian dollars. Applicable federal and provincial taxes are calculated at checkout based on your location.

6. Refunds, Cancellation, and Pauses

6.1 The 14-Day Guarantee — The Sprint and Life Rich

If you complete your onboarding form, attend your kickoff call, and submit your first two weekly check-ins, and the coaching still is not right for you, tell us within 14 days of your kickoff call and we will refund you in full.

The conditions matter: the guarantee requires that you actually start the work. It is there so that committing does not feel risky, not so that a program can be purchased and left untouched.

Requests must be made in writing (email or coaching app message) within 14 days of your kickoff call.

If the onboarding form, kickoff call, and first two check-ins have not been completed, the guarantee does not apply.

After 14 days, coaching packages are non-refundable. Coaching time, program design, and setup are delivered up front and cannot be returned.

Refunds are issued to the original payment method within 10 business days. Where payment was made through a third-party financing provider, the refund is processed through that provider and subject to their timelines.

6.2 Foundations Cancellation

Foundations may be cancelled at any time with 7 days' written notice before your next billing date. Notice must be given by email or coaching app message.

If notice is given fewer than 7 days before your billing date, the next month will be charged and cancellation takes effect the following month.

Cancellation stops future billing. The month already paid for runs to its end, and you keep full access until then. Partial months are not refunded.

6.3 Foundations Refunds

Foundations is a month-to-month service with no long-term commitment, and is non-refundable once the month has begun. Because you may cancel at any time under section 6.3, you are never committed beyond the month you have paid for.

If you cancel before your kickoff call has taken place and before any program has been delivered, we will refund that month in full.

6.4 Pauses

Clients in The Sprint or Life Rich may pause once per program, for up to 14 days, in the event of genuine disruption such as injury, illness, or family emergency.

Your program end date extends by the length of the pause.

Vacations, work trips, and busy weeks are not pauses. Your program is designed to adapt around real life, and we will adjust it rather than stopping it.

Foundations does not require a pause policy, as it is month-to-month by design.

6.5 Upgrades and Changes

Clients may upgrade to a longer package at any time.

Foundations to Sprint or Life Rich: the unused portion of the current month is credited at a daily rate toward the new package.

Sprint to Life Rich: a $500 credit is applied toward Life Rich when the upgrade is taken at the results call following week 12. This credit is offered at that call and is valid for 14 days.

Packages cannot be downgraded mid-program. Clients who need to stop are covered by the refund and pause policies above.

6.5 Digital Products

Digital products, including guides, audio programs, courses, and downloadable content, are final sale and non-refundable once access has been delivered.

6.7 Cancellation by Us

We reserve the right to end a coaching relationship where a client is abusive, dishonest about their health information, repeatedly non-participating, or where continuing would be unsafe or outside our scope of practice. In that event, any unused portion of a prepaid package is refunded on a pro-rata basis.

7. Client Responsibilities

Provide complete and honest information about your health, injuries, medical conditions, and medications, and update us if anything changes.

Obtain medical clearance where our health screening or your physician indicates it is needed.

Follow your program as prescribed and communicate honestly at check-ins.

Stop exercising and seek medical attention if you experience pain, dizziness, or any concerning symptom.

Understand that results depend on your own consistency and effort. No specific outcome is guaranteed.

8. Scheduling and Communication

Missed calls: scheduled calls that are missed without at least 24 hours' notice are considered delivered and are not rescheduled or refunded. We understand emergencies happen and will use reasonable discretion.

Response times: messages sent through the coaching app are answered within 24 hours. Coaching is not an emergency or on-call service.

Where coaching happens: all coaching communication takes place inside the coaching application.

9. Intellectual Property

All content provided through this website, the coaching application, and any program materials, including but not limited to training programs, written guides, audio and video content, the Life Rich System™, the Daily 4™, logos, and written copy, is owned by Jacob Mark or by our content providers and is protected by copyright.

Materials provided to you are for your personal use only. They may not be copied, shared, reproduced, resold, rebroadcast, or used commercially in whole or in part without written permission.

10. Privacy and Client Information

Your privacy matters to us. Personal information collected through this website, onboarding forms, and coaching is handled in accordance with applicable Canadian privacy law and our Privacy Policy.

Health information you provide during onboarding is used solely to design and adjust your program safely. It is kept confidential and is not shared with third parties except where required by law, or where you have given permission.

Progress photos, measurements, results, and testimonials are never shared publicly without your explicit written permission. Permission can be withdrawn at any time by contacting us in writing.

11. Third-Party Platforms

Coaching is delivered through third-party platforms including a coaching application, scheduling software, and payment processors. Your use of those platforms is subject to their own terms and privacy policies. We are not responsible for outages, errors, or data handling by third-party providers.

12. Changes to These Terms

These Terms and Conditions may change over time. The date of the most recent update appears at the top of this page. We do not send notifications of changes, so please review this page periodically. The terms in effect at the time of your purchase govern that purchase.

13. Governing Law

These Terms and Conditions are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it. Any dispute arising from these terms or from our services will be dealt with in the courts of Ontario.

Nothing in these terms limits any rights you have under the Ontario Consumer Protection Act or other applicable consumer protection legislation.

14. Contact

Questions about these Terms and Conditions, our Privacy Policy, or anything else can be sent to jacob@jacobmark.com