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TERMS & CONDITIONS
HealABLE Pathways | Effective Date: March 29, 2026
Website: www.healablepathways.com

PLEASE READ THESE TERMS & CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE.

By using this Website, or by clicking to accept or agree to these Terms & Conditions when that option is made available to you, you accept and agree to be bound by these Terms & Conditions, as well as our Privacy Policy and Disclaimer, each of which is incorporated herein by reference. If you do not agree to these Terms & Conditions, you must not access or use this Website.

These Terms & Conditions are entered into by and between you ("you," "your," or "User") and HealABLE Pathways, operated by Karen Ash ("Company," "we," "our," or "us").

Your access to and use of the website www.healablepathways.com and any related content, functionality, products, services, courses, programs, digital materials, emails, downloads, communities, and offerings made available through the Website (collectively, the "Website" and "Services") are subject to these Terms & Conditions and all applicable laws and regulations.

1. ELIGIBILITY

This Website is accessible to users of all ages for general browsing and educational content. However, purchasing any product, service, program, or paid offering, registering for a paid event, or entering into any agreement with the Company is available only to users who are 18 years of age or older.

By making a purchase or completing any transaction through this Website, you represent and warrant that you are at least 18 years old and legally able to enter into a binding agreement.

If you are under 18, you may not make purchases or enter into agreements through this Website. Any such purchase or participation must be made by and under the supervision of a parent or legal guardian, who agrees to be bound by these Terms & Conditions on your behalf.

2. EDUCATIONAL PURPOSES ONLY — NO MEDICAL OR MENTAL HEALTH ADVICE
THE WEBSITE, SERVICES, AND ALL CONTENT PROVIDED ON OR THROUGH THE WEBSITE ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

The Company does not provide medical care, mental health care, psychotherapy, counseling, diagnosis, treatment, or crisis services. Nothing on this Website or through the Services is intended to be a substitute for professional medical advice, diagnosis, treatment, therapy, or other licensed professional care.

You should always consult with your physician, licensed mental health provider, or other qualified healthcare professional regarding any questions you may have about a medical, psychological, or health-related condition. Never disregard professional advice or delay seeking it because of something you have read, heard, or viewed on this Website.

The Services are not intended for medical or mental health emergencies. If you believe you are experiencing a medical or psychiatric emergency, contact your local emergency services immediately or go to the nearest emergency facility. For example: Switzerland: 144; USA: 911; UK: 999.

IMPORTANT — Emotional Risk Disclosure: Participation in educational content related to nervous system regulation, pain reprocessing, or emotional awareness and expression may bring up emotional material, memories, or feelings. If at any point this feels overwhelming or distressing, we encourage you to pause your participation and seek support from a qualified licensed professional.

3. COACHING AND EDUCATIONAL SERVICES ONLY
The Company provides educational content, coaching-related resources, and wellness-oriented information only. Participation in any program, coaching service, course, summit, workshop, training, or other offering does not create a doctor-patient, therapist-client, or other licensed professional relationship between you and the Company.

You understand and agree that:
• the Services are not therapy or psychotherapy;
• the Services are not a replacement for licensed medical, psychiatric, psychological, or trauma-informed clinical care where such care is needed;
• you are solely responsible for your own physical, mental, and emotional well-being, decisions, choices, actions, and results;
• participation in the Services may bring up emotional material. If at any point this feels overwhelming or distressing, you agree to pause your participation and seek appropriate support from a qualified professional;
• if deeper mental health, trauma, or psychological support is needed, it is your responsibility to seek appropriate licensed care.

4. PERSONAL RESPONSIBILITY AND ASSUMPTION OF RISK
By accessing and using the Website and Services, you acknowledge that you do so voluntarily and at your own risk. You understand that any application of information or recommendations provided through the Website or Services is done solely at your discretion.

You accept full responsibility for your use of the Website and Services, and for any outcomes resulting from your participation.

5. NO GUARANTEES OR RESULTS
The Company makes no guarantees regarding any specific results or outcomes from use of the Website, Services, or Content.

Any testimonials, examples, or success stories presented on the Website or through the Services are illustrative only and are not guarantees that you or anyone else will achieve the same or similar results. Individual results vary and are not representative of typical outcomes. Results depend on many individual factors beyond the Company's knowledge or control.

6. WEBSITE CONTENT AND LIMITED LICENSE

All content provided on or through the Website, including without limitation text, graphics, logos, videos, audio recordings, downloads, PDFs, course materials, summit recordings, worksheets, slide decks, images, designs, branding, layout, look and feel, software, and other materials (collectively, the "Content"), is owned by or licensed to the Company and is protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms & Conditions, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Website and Content solely for your personal, non-commercial use.

You may not, without prior written permission from the Company:

  • copy, reproduce, republish, upload, post, transmit, distribute, or exploit any Content;
  • modify, adapt, translate, reverse engineer, decompile, or create derivative works from any Content;
  • share, sell, sublicense, transfer, or commercially exploit any Content;
  • remove any copyright, trademark, or other proprietary notice;
  • use the Content for training artificial intelligence systems, data mining, scraping, or similar purposes;
  • record, reproduce, distribute, or publicly share any paid or restricted-access event, workshop, summit session, coaching call, or training.

7. ACCOUNT ACCESS, DIGITAL PRODUCTS, AND SECURITY
If any part of the Website or Services requires account creation, login credentials, or password-protected access, you agree to keep your access credentials confidential and not share them with any other person.

Your purchase or access is personal to you only. You may not share login access, membership access, course access, summit access, replay access, downloads, or other protected materials with any third party.

You are responsible for all activity under your account and for maintaining the security of your credentials. You agree to notify us promptly of any unauthorized use or suspected breach of security.

8. SUMMITS, COURSES, PROGRAMS, AND DIGITAL ACCESS

Unless otherwise expressly stated:

  • access is granted only for the time period described on the applicable sales page, checkout page, or product description;
  • replay availability, bonus access, speaker availability, event schedules, and included materials may change at any time;
  • the Company does not guarantee that any live event, recording, bonus, speaker, or feature will remain available for any particular period;
  • any access granted is personal, limited, revocable, and non-transferable;
  • you may not record, duplicate, redistribute, resell, or publicly share any part of such offerings.

 The Company reserves the right to modify programming, speakers, dates, times, titles, features, or delivery format where reasonably necessary.

8A. CHRONIC PAIN HEALING SUMMIT — SPECIFIC TERMS

The following additional terms apply specifically to the Chronic Pain Healing Summit (the “Summit”) scheduled for November 13–14, 2026, and to any paid upgrade offerings associated with the Summit, including any All Access Pass (“AAP”) or similar product.

Free Summit registration:

  • Basic Summit registration is free. No payment is required to register, and no refund policy applies to free registrations.
  • Free registrants may unsubscribe or cancel their registration at any time by contacting [email protected] or using the unsubscribe link provided in registration communications.

All Access Pass (AAP) and paid upgrades:

  • The All Access Pass and any other paid Summit upgrade options will be made available at a later date. These products are not yet available for purchase.
  • When the AAP or any paid upgrade becomes available, the specific terms governing that purchase — including pricing, what is included, access duration, and the applicable refund policy — will be disclosed on the checkout page at the time of purchase. Those terms will govern and supersede the general refund policy in Section 19 of these Terms & Conditions.
  • By completing a paid purchase for the AAP or any Summit upgrade, you agree to the specific terms presented at checkout, which are incorporated into these Terms & Conditions by reference.

9. USER CONDUCT AND PROHIBITED USES
As a condition of your use of the Website, you agree not to use the Website or Services for any unlawful purpose or any purpose prohibited by these Terms & Conditions.

You agree that you will not:

  • violate any applicable law or regulation;
  • infringe the intellectual property, privacy, publicity, or other rights of others;
  • upload or transmit malicious code, spyware, viruses, worms, or any harmful software;
  • attempt to gain unauthorized access to any part of the Website, related systems, or servers;
  • interfere with or disrupt the Website or Services;
  • use the Website to collect data, email addresses, or other information for marketing or solicitation purposes;
  • impersonate another person or entity;
  • post or transmit defamatory, abusive, obscene, threatening, harassing, hateful, or otherwise objectionable content;
  • use the Website in any way that could damage, disable, overburden, or impair the Website or interfere with anyone else's use.

 You also agree that all information you provide to us is true, accurate, current, complete, and not misleading.

10. COMMUNITY FEATURES, COMMENTS, AND COMMUNICATION SERVICES

If the Website or Services include comments, forums, groups, chat features, live Q&A, community spaces, or other interactive functions ("Communication Services"), you agree to use them lawfully, respectfully, and only for their intended purpose.

We are not obligated to monitor Communication Services, but we reserve the right to review, edit, refuse, or remove any content or participation at our sole discretion and without notice.

We also reserve the right to suspend or terminate your access to any Communication Services if, in our judgment, your conduct is disruptive, harmful, unlawful, inappropriate, or inconsistent with the intended purpose of the space.

11. USER SUBMISSIONS

If you submit or post comments, testimonials, feedback, messages, suggestions, questions, reviews, or other materials to us through the Website, email, social media, or otherwise, you represent that you have the right to do so.

Unless otherwise prohibited by law or separately agreed in writing, you grant the Company a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, publish, display, adapt, edit, and distribute such submissions for business, educational, promotional, or marketing purposes. We may use first name, initials, or anonymized versions unless you have expressly requested otherwise and unless use would be inconsistent with our Privacy Policy.

If you prefer that testimonials or submissions not be used publicly, please contact us at [email protected].

12. NON-DISPARAGEMENT
You agree not to make any false, misleading, or defamatory statements — publicly or privately — about the Company, its programs, its team, its participants, or its content, including through social media, reviews, forums, or any other public platform. This clause does not restrict your right to provide honest, good-faith feedback directly to the Company.

13. COPYRIGHT AND TRADEMARKS
All trademarks, service marks, trade names, logos, and branding displayed on the Website are the property of the Company or their respective owners.

Nothing in these Terms & Conditions grants you any license or right to use any trademark, logo, or other proprietary material without prior written permission. For permission requests, contact: [email protected]

14. COPYRIGHT INFRINGEMENT NOTICE
If you believe that any content on the Website infringes your copyright or other intellectual property rights, please send written notice to:

HealABLE Pathways, operated by Karen Ash
Postfach 48, 4104 Oberwil, Switzerland
Email: [email protected]

Your notice should include:
• your name and contact information;
• identification of the work claimed to be infringed;
• identification of the allegedly infringing material and its location;
• a statement of your good-faith belief that the use is not authorized;
• a statement that the information in your notice is accurate and that you are authorized to act on behalf of the rights holder.

15. THIRD-PARTY LINKS, TOOLS, AND SERVICES
The Website may contain links to third-party websites, platforms, payment processors, software providers, or other resources. These may include, for example, Kajabi, Stripe, PayPal, Zoom, YouTube, social media platforms, or other third-party tools and services.

We provide these links or integrations for convenience only. We do not control and are not responsible for the content, availability, policies, practices, or performance of any third-party website, service, or provider. Your use of third-party services is at your own risk and subject to the terms and policies of those third parties.

16. ELECTRONIC COMMUNICATIONS
By visiting the Website, submitting forms, purchasing products, registering for events, or sending emails to us, you consent to receive electronic communications from us.

You agree that all notices, disclosures, agreements, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

This includes, where applicable, communications about:
• purchases and account access;
• product or service updates;
• summit or program details;
• customer support;
• educational, marketing, or promotional emails, subject to your ability to unsubscribe where required by applicable law.

17. DATA PROTECTION — SWISS nDSG AND EU GDPR
The Company is based in Switzerland and processes personal data in accordance with the Swiss Federal Act on Data Protection (nDSG), which entered into force on September 1, 2023. Where applicable — including for users located in the European Union or European Economic Area — the Company also complies with the General Data Protection Regulation (EU) 2016/679 (GDPR).

By using the Website and Services, you acknowledge that your personal data may be collected, stored, and processed in connection with your use of the Website and Services, as further described in our Privacy Policy.

If you are located in the EU/EEA, you have the right to request access to, correction of, or deletion of your personal data, as well as the right to data portability and the right to lodge a complaint with a supervisory authority. Requests can be submitted to: [email protected].

For users located in the United States, the Company complies with applicable US federal and state data protection laws, including, where applicable, the California Consumer Privacy Act (CCPA). For full details, please refer to our Privacy Policy.

18. FEES AND PAYMENTS
18.1 General Payment Terms
You agree to pay all fees and charges associated with any product, service, course, event, subscription, or program you purchase, at the prices in effect when you make the purchase.

Payments may be processed through third-party providers such as Stripe and PayPal. Your payment is subject to the terms and conditions of those third-party processors.

You represent and warrant that the payment information you provide is current, accurate, and authorized for your use.

18.2 Subscriptions
If you purchase a subscription-based service, you authorize us to charge your selected payment method on a recurring basis according to the billing cycle disclosed at checkout, until cancelled.

Unless otherwise stated, subscriptions automatically renew unless cancelled before the next billing date. You are responsible for cancelling before renewal if you do not wish to continue.

18.3 Payment Plans
If you choose a payment plan, you agree to pay the full amount due under that plan according to the agreed schedule. A payment plan is not a pay-as-you-go arrangement; it is a binding commitment to pay the full purchase price over time.

If a scheduled payment fails, we may:
• retry the payment;
• suspend access to the product, service, or program;
• terminate access if payment remains unresolved;
• require payment of the outstanding balance before restoring access.

The full outstanding balance under any payment plan remains legally owed regardless of whether access is suspended or terminated. The Company reserves the right to pursue collections or legal action to recover any unpaid balance.

18.4 Currency
All prices are listed in US Dollars (USD). International users are responsible for any currency conversion charges, foreign transaction fees, bank fees, or similar charges applied by their financial institution or payment provider.

19. REFUND POLICY
Unless otherwise stated on a specific sales page, checkout page, or written agreement — or unless superseded by the Summit-specific refund terms in Section 8A — the following refund policy applies:

We offer a 14-day refund period from the original date of purchase for eligible products or services.

Refund conditions:

  • refund requests must be submitted in writing within 14 days of purchase to [email protected];
  • no refunds will be issued after 14 days unless required by applicable law;
  • any coaching sessions used, calls attended, or services already delivered may be deducted from the refund at the then-current rate;
  • significant use of digital materials, course access, downloads, or program content may reduce or eliminate refund eligibility;
  • discounted, promotional, special-offer, or expressly marked final sale purchases are non-refundable unless required by applicable law;
  • payment plans remain binding commitments unless otherwise expressly stated in writing.

The Company reserves the right to deny refund requests where there is evidence of substantial use, downloading, sharing, misuse, or abuse of the refund policy.

Any approved refund may be reduced by non-recoverable processing fees to the extent permitted by applicable law.

SUMMIT REFUND EXCEPTION: All Access Pass and Summit-related purchases are governed by the specific refund terms in Section 8A, which take precedence over this Section 19.

20. CANCELLATIONS, MISSED SESSIONS, AND RESCHEDULING
If you purchase coaching calls, consultations, workshops, or other scheduled sessions, cancellation and rescheduling rules may apply as stated on the booking page, checkout page, or separate service agreement.

Unless otherwise stated, missed sessions or cancellations made with insufficient notice may be forfeited and non-refundable.

21. ERRORS AND OMISSIONS
While we make reasonable efforts to provide accurate and up-to-date information, the Company makes no warranty regarding the completeness, accuracy, reliability, or currentness of any content on the Website.

We reserve the right to correct any errors, inaccuracies, or omissions and to update or change information at any time without prior notice.

22. PRIVACY
Your use of the Website is also subject to our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Please review our Privacy Policy at www.healablepathways.com/privacy for full details on how we collect, use, and protect your personal information.

23. DISCLAIMER
Your use of the Website and Services is also subject to our Disclaimer, which is incorporated into these Terms & Conditions by reference.

24. WEBSITE SECURITY
We use commercially reasonable efforts to help protect the Website and related systems. However, no website, software, or online transmission is ever completely secure.

You acknowledge that use of the internet involves inherent risks and that unauthorized third parties may potentially access, intercept, alter, or misuse data. Use of the Website is at your own risk.

25. TERMINATION OR RESTRICTION OF ACCESS
We reserve the right, in our sole discretion, to terminate, restrict, suspend, or deny your access to the Website or Services, in whole or in part, at any time and without notice, including if we believe you have violated these Terms & Conditions.

Termination does not relieve you of any payment obligations already incurred.

26. DISCLAIMERS OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, RELIABILITY, AND FREEDOM FROM VIRUSES OR HARMFUL COMPONENTS.

WE DO NOT WARRANT THAT:
• THE WEBSITE OR SERVICES WILL BE AVAILABLE AT ALL TIMES;
• ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE;
• DEFECTS WILL BE CORRECTED;
• THE WEBSITE OR SERVICES WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS;
• ANY PARTICULAR RESULT OR OUTCOME WILL BE ACHIEVED.

27. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, REPRESENTATIVES, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, THE WEBSITE, SERVICES, OR CONTENT.

THIS INCLUDES, WITHOUT LIMITATION, DAMAGES FOR PERSONAL DECISIONS, LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, EMOTIONAL DISTRESS, RELIANCE ON CONTENT, SERVICE INTERRUPTIONS, COMPUTER DAMAGE, VIRUSES, OR THIRD-PARTY CONDUCT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF THE COMPANY IS FOUND LIABLE FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE WEBSITE, SERVICES, OR THESE TERMS & CONDITIONS, THE COMPANY'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY FOR THE RELEVANT PRODUCT OR SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

28. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless the Company and its owners, officers, employees, contractors, agents, representatives, licensors, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable legal fees) arising out of or relating to:
• your use or misuse of the Website or Services;
• your violation of these Terms & Conditions;
• your violation of any law or the rights of any third party;
• your submissions, communications, or conduct through the Website or Services.

We reserve the right to assume exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you agree to cooperate with us in the defense of such matter.

29. FORCE MAJEURE
The Company shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, internet or platform outages, telecommunications failures, cyberattacks, labor disputes, illness, governmental actions, natural disasters, war, epidemic, pandemic, or failures of third-party providers.

For paid events and summits, force majeure does not automatically entitle participants to a refund. Where a force majeure event prevents delivery of a paid event, the Company's obligation is limited to offering rescheduling, replay access, or credit toward a future offering, at the Company's discretion.

30. GOVERNING LAW AND JURISDICTION
These Terms & Conditions shall be governed by and construed in accordance with the laws of the Swiss Confederation and the Canton of Basel-Landschaft, without regard to conflict of laws principles.

Any dispute, claim, or controversy arising out of or relating to these Terms & Conditions, the Website, or the Services shall be subject to the exclusive jurisdiction of the competent courts of Basel-Landschaft, Switzerland.

31. RESOLUTION OF DISPUTES
Before initiating formal legal proceedings, you agree to first contact the Company in writing at [email protected] and attempt to resolve the dispute informally. Both parties agree to make a good-faith effort to resolve any dispute informally within thirty (30) days of written notice.

Nothing in this section prevents either party from seeking urgent injunctive or equitable relief where necessary.

32. NO CLASS ACTIONS
To the extent permitted by applicable law, you agree that any claims shall be brought only in your individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding.

33. FTC COMPLIANCE — TESTIMONIALS AND RESULTS
In accordance with the US Federal Trade Commission (FTC) guidelines on endorsements and testimonials, the Company discloses the following:

• Testimonials and success stories shared on this Website reflect the real experiences of individuals but are not representative of typical outcomes.
• Individual results vary significantly based on personal factors including but not limited to history, commitment, circumstances, and personal effort.
• No outcome or result is guaranteed by the Company. Results described or implied should not be interpreted as typical or expected.
• Where compensation, free products, or other consideration has been provided in exchange for a review or testimonial, this will be disclosed.

34. CHANGES TO TERMS & CONDITIONS
We reserve the right to modify, update, or replace these Terms & Conditions at any time in our sole discretion. The most current version will be posted on the Website with the updated effective date.

Your continued use of the Website or Services after any changes are posted constitutes your acceptance of those changes.

35. ENTIRE AGREEMENT
These Terms & Conditions, together with our Privacy Policy, Disclaimer, and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Website and Services and supersede all prior or contemporaneous understandings, communications, and agreements relating to the subject matter herein.

36. SEVERABILITY
If any provision of these Terms & Conditions is held to be invalid, unlawful, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect.

37. NO WAIVER
No waiver by the Company of any term or condition set forth in these Terms & Conditions shall be deemed a further or continuing waiver of that term or condition or a waiver of any other term or condition.

38. CONTACT INFORMATION
If you have questions about these Terms & Conditions, please contact:

HealABLE Pathways, operated by Karen Ash
Postfach 48
4104 Oberwil, Switzerland

Email: [email protected]
Website: www.healablepathways.com


© 2026 HealABLE Pathways. All rights reserved.