TERMS AND CONDITIONS

Last updated: 10 September 2026

These Terms and Conditions apply to digital products, courses, programmes, memberships, communities and other educational services provided by Melissa Pazzanese, a sole trader, trading under the names Heal and Thrive with Melissa and Chef Career Mentor.

By purchasing or accessing any Product or Service from us, you agree to these Terms and Conditions.

1. ABOUT US

These Products and Services are provided by:

Melissa Pazzanese
Unit #2784
275 New North Road
London
N1 7AA
United Kingdom

Email: melissa@healandthrivewithmelissa.com

I trade under the following business names:

• Heal and Thrive with Melissa

• Chef Career Mentor

Where these Terms refer to “we”, “us” or “our”, this means Melissa Pazzanese trading under the relevant business name.

Where these Terms refer to “you” or “your”, this means the person purchasing or accessing a Product or Service.

2. OUR PRODUCTS AND SERVICES

We provide educational and digital Products and Services, which may include:

• online courses;

• digital guides, workbooks, PDFs and other resources;

• educational programmes;

• coaching or mentoring programmes;

• memberships;

• online communities;

• workshops or training;

• templates, tools and other digital resources; and

• other educational or digital Products and Services introduced from time to time.

The specific Products and Services available to you will depend on what you purchase.

These Terms are intended to apply to both our existing Products and Services and future Products and Services, unless specific terms are provided for a particular offer.

3. DEFINITIONS

For the purposes of these Terms:

“Content” means the videos, audio, written materials, worksheets, PDFs, templates, resources, lessons, training and other materials

included within a Product or Service.

“Platform” means any third-party or technology platform we use to deliver, host, administer or provide access to a Product or Service.

“Product” means any digital product, course, programme, resource or other educational product purchased from us.

“Service” means any coaching, mentoring, membership, community, workshop, training or other service provided by us.

“Terms” means these Terms and Conditions.

4. ELIGIBILITY

You must be legally capable of entering into a contract under applicable law.

If you are under the age of 18, you should only purchase or access our Products or Services with the involvement and permission of a parent or legal guardian where required by law.

5. PRODUCT INFORMATION

We will provide information about the Product or Service before you purchase it.

Where applicable, information about the main characteristics of a Product or Service, its price, payment arrangements, delivery or access arrangements, applicable cancellation rights and other legally required pre-contract information will be provided or made available to you before you place your order.

We aim to ensure that descriptions, images and information about our Products and Services are accurate.

However, educational content, layouts, bonuses, resources, features and delivery methods may be updated from time to time where reasonably necessary.

6. PRICES AND PAYMENT

The price payable for a Product or Service will be the price displayed at the time you place your order, unless otherwise stated.

Prices may be displayed in pounds sterling or another currency depending on the Product, checkout or payment arrangement.

Payment must be made using the payment method made available at checkout.

Where an instalment or payment plan is offered, you agree to make each payment when due.

If a payment is unsuccessful or overdue, we may suspend access to the relevant Product or Service until payment is successfully received, subject to your statutory rights.

We reserve the right to change prices for future purchases. Any price change will not affect an order you have already placed.

7. FORMATION OF CONTRACT

When you place an order, you are making an offer to purchase the relevant Product or Service.

A contract is formed when we accept your order, normally when we confirm your purchase and/or provide access to the Product or Service.

We reserve the right to refuse or cancel an order before acceptance where there is a legitimate reason to do so, including obvious pricing or technical errors, suspected fraudulent activity or circumstances where the Product or Service is no longer available.

If we have taken payment for an order that we subsequently cannot fulfil, we will provide any refund required by applicable law.

8. ACCESS TO DIGITAL PRODUCTS AND SERVICES

Where a Product or Service is delivered digitally, access will normally be provided electronically through the relevant Platform or delivery system.

You are responsible for providing accurate information necessary to create or maintain your account.

You are also responsible for maintaining access to your email address and any login details required to access your purchase.

We do not guarantee that every Product or Service will be compatible with every device, browser or operating system. Where specific technical requirements or compatibility information are provided before purchase, those requirements will apply.

We may make reasonable changes to the way Content is delivered where necessary for technical, operational or security reasons.

9. PERSONAL USE AND ACCOUNT SHARING

Your purchase is for your personal use unless we expressly state otherwise.

You must not:

• share your account or login details with another person;

• allow another person to access a Product purchased by you;

• copy, reproduce or redistribute paid Content;

• sell, sublicense or commercially exploit our Content;

• upload our Content to another website, platform or file-sharing service; or

• provide access to our Content to others without our written permission.

If we reasonably believe that an account is being shared or used in breach of these Terms, we may suspend or restrict access, subject to applicable law.

10. INTELLECTUAL PROPERTY

Unless otherwise stated, all Content provided as part of our Products and Services belongs to us or is used by us under appropriate permission or licence.

This includes, but is not limited to:

• course materials;

• videos;

• written materials;

• workbooks;

• PDFs;

• templates;

• frameworks;

• graphics;

• branding;

• logos;

• training materials;

• exercises; and

• other original educational materials.

Your purchase gives you a personal, limited, non-transferable right to access and use the Content for your own educational purposes.

It does not transfer ownership of the Content to you.

You must not reproduce, republish, distribute, modify, sell, licence or commercially exploit our Content without our written permission.

11. COURSE AND MEMBERSHIP ACCESS

Unless otherwise stated for a particular Product or Service, a one-off purchase of a digital course or educational product provides ongoing access to the purchased Content for as long as we continue to operate the relevant business and make that Product or Service available.

This does not constitute a guarantee of lifetime access.

We may change, replace, suspend or discontinue a Product or Service for legitimate business, operational, technological or legal reasons.

Where we discontinue a Product or Service that you have purchased, we will take reasonable steps to communicate this to you where appropriate and will comply with applicable consumer rights and remedies.

For memberships or other ongoing services, access will continue for the duration of your active membership or service period, subject to the applicable payment and cancellation terms communicated before purchase.

Where a particular Product or Service has a different access period, that specific access period will apply.

12. THIRD-PARTY PLATFORMS

We may use third-party Platforms and technology providers to deliver or administer our Products and Services.

These may change from time to time.

You may therefore need to create an account with a third-party Platform in order to access your purchase.

Your use of a third-party Platform may also be subject to that provider's own terms and privacy policy.

We do not guarantee the continued availability of any particular third-party Platform.

Where a third-party Platform experiences an outage, technical issue or other problem outside our reasonable control, we will take reasonable steps to restore or provide access where practicable.

13. CHANGES, SUSPENSION OR DISCONTINUATION OF PRODUCTS

We may change, update, replace, suspend or discontinue a Product or Service for legitimate business, operational, technological or legal reasons.

This may include circumstances where:

• a third-party Platform becomes unavailable;

• technology changes;

• a particular Product or Service is no longer commercially viable;

• we decide to retire, wind down or close the relevant business;

• we decide to discontinue a particular Product or Service; or

• changes are necessary for legal, security or operational reasons.

Where a change or discontinuation materially affects a Product or Service you have already purchased, we will take reasonable steps to communicate this to you where appropriate.

If we retire, wind down or close the relevant business, we may, where reasonably practicable, offer affected customers alternative educational resources or replacement digital Content.

Any such alternative is offered at our discretion and is not guaranteed.

Nothing in these Terms limits any statutory consumer rights or remedies that apply in the circumstances.

14. EDUCATIONAL PURPOSES AND NO GUARANTEED RESULTS

Our Products and Services are provided for educational and informational purposes.

We aim to provide useful, practical and accurate educational Content, but we cannot guarantee any particular result or outcome from using our Products or Services.

Your results will depend on a range of factors, including your individual circumstances, actions, experience, skills, effort and implementation.

Testimonials, examples or case studies are provided for illustrative purposes and do not guarantee that you will achieve the same results.

15. HEAL AND THRIVE WITH MELISSA — ADDITIONAL DISCLAIMER

Products and Services provided under Heal and Thrive with Melissa are educational and informational only.

They are not a substitute for:

• medical advice;

• psychological or psychiatric treatment;

• counselling or therapy;

• legal advice;

• financial advice; or

• any other professional advice or treatment.

You should seek appropriate qualified professional advice where necessary.

16. CHEF CAREER MENTOR — ADDITIONAL DISCLAIMER

Products and Services provided under Chef Career Mentor are for educational and career-development purposes.

They are not a guarantee of:

• employment;

• promotion;

• increased income;

• business success;

• career advancement;

• obtaining a particular role; or

• any other specific career outcome.

Career decisions remain your responsibility.

17. YOUR RESPONSIBILITY

You are responsible for how you use the information, strategies, exercises and Content provided through our Products and Services.

You should consider your own circumstances and seek appropriate professional advice where necessary.

You are responsible for ensuring that the information you provide to us is accurate and up to date where this is necessary to provide your

Product or Service.

18. YOUR 14-DAY CANCELLATION RIGHT AND DIGITAL CONTENT

If you are a consumer entering into a distance contract with us, you will generally have a statutory right to cancel your purchase within 14 days without giving a reason, subject to applicable legal exceptions.

For a one-off purchase, the 14-day cancellation period will normally begin when the contract is entered into.

How to cancel

If you wish to exercise your cancellation right, you do not need to complete a particular form.

Simply email us at melissa@healandthrivewithmelissa.com with a clear statement that you wish to cancel your purchase. You may also include your name, the Product purchased and the date of purchase to help us identify your order.

You can use wording such as:

“I am writing to notify you that I wish to cancel my purchase of [Product Name].”

You do not have to use these exact words. Any clear statement communicating your decision to cancel will be sufficient where the statutory cancellation right applies.

Digital content supplied immediately

Where you purchase digital content and we make that content available to you during the 14-day cancellation period, your statutory cancellation rights will apply unless the legal requirements for losing that right have been properly satisfied.

Where required by law, we will obtain your express consent to the immediate supply of the digital content and your acknowledgement that you may lose your statutory cancellation right once supply begins.

If those legal requirements are not satisfied, your statutory cancellation right will remain unaffected.

For digital services or memberships, different statutory rules may apply depending on the nature and timing of the service. Any applicable cancellation, renewal and payment terms will be communicated to you before purchase.

Nothing in these Terms limits or excludes any statutory consumer rights.

19. REFUNDS

Where you are legally entitled to a refund, we will provide the refund in accordance with applicable law.

Where you cancel under your statutory 14-day cancellation right and a refund is due, we will reimburse you without undue delay and, where applicable, within 14 days after the day on which we are informed of your decision to cancel.

We will normally make the refund using the same payment method used for the original transaction, unless otherwise agreed.

If digital content does not meet the standards required by applicable consumer law, you may have additional statutory remedies, which may include repair, replacement or a price reduction, depending on the circumstances.

We do not provide a separate voluntary money-back guarantee unless a particular Product or Service expressly states otherwise.

Nothing in these Terms limits or excludes any statutory rights relating to refunds, faulty digital content, digital services or other consumer remedies.

20. TECHNICAL PROBLEMS AND ACCESS ISSUES

If you experience a genuine technical problem accessing a Product or Service, please contact us at:

melissa@healandthrivewithmelissa.com

Please provide enough information for us to understand the problem, including where appropriate:

• your name;

• the Product or Service purchased;

• the email address associated with your account; and

• a description or screenshot of the problem.

We will make reasonable efforts to help resolve genuine access or technical issues.

This does not affect any statutory rights you may have.

21. LIABILITY

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

This includes liability that cannot legally be excluded or limited, such as liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that applicable law does not permit us to exclude or limit.

Subject to the above, we will not be responsible for losses that:

• were not reasonably foreseeable;

• were outside our reasonable control; or

• result from your failure to follow instructions or use the Product or Service appropriately.

Nothing in these Terms affects your statutory consumer rights.

22. EVENTS OUTSIDE OUR REASONABLE CONTROL

We will not be responsible for delay or failure to perform our obligations where this results from circumstances outside our reasonable control.

This may include circumstances such as:

• serious technical failures;

• internet or telecommunications failures;

• third-party Platform outages;

• cyber incidents;

• natural disasters;

• government action;

• changes in law;

• illness or incapacity; or

• other circumstances that could not reasonably have been prevented or controlled.

Where reasonably practicable, we will take reasonable steps to minimise the impact of such circumstances.

23. PRIVACY

Our collection and use of personal information is explained in our Privacy Policy.

By purchasing or using our Products and Services, you acknowledge that your personal information will be processed in accordance with our Privacy Policy and applicable data protection law.

24. COMPLAINTS

If you have a complaint about a Product or Service, please contact us at:

melissa@healandthrivewithmelissa.com

Please provide details of your complaint and any relevant information that may help us understand the issue.

We aim to acknowledge and respond to complaints within a reasonable period and, where possible, within 7 days.

We will seek to resolve genuine complaints fairly and reasonably.

Nothing in this section affects any statutory rights or remedies available to you.

25. CHANGES TO THESE TERMS

We may update these Terms from time to time.

The version of the Terms that applies to your purchase will generally be the version in effect when you placed your order.

We may make changes after your purchase where necessary to reflect:

• changes in law;

• regulatory requirements;

• security requirements;

• changes to our business;

• changes to our Products or Services; or

• other legitimate operational reasons.

Where a change materially affects an existing contractual relationship, we will take reasonable steps to communicate the change where required.

Nothing in this section limits your statutory rights.

26. ASSIGNMENT AND BUSINESS CHANGES

We may transfer, assign or restructure our business or our rights and obligations under these Terms as part of a legitimate business transaction, restructuring, sale, transfer or other change to the business.

If this occurs, we will take reasonable steps to ensure that your statutory consumer rights are not adversely affected.

You may not transfer your purchase, account or contractual rights to another person without our written permission, unless applicable law provides otherwise.

27. SEVERABILITY

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision will be treated as removed or limited to the extent necessary.

The remaining provisions will continue to apply.

28. ENTIRE AGREEMENT

These Terms, together with the information provided to you before purchase and any specific terms expressly applicable to a particular Product or Service, form the agreement between you and us regarding your purchase.

If specific terms for a particular Product or Service conflict with these general Terms, the specific terms will apply to the extent of the conflict.

29. GOVERNING LAW AND JURISDICTION

These Terms are governed by the law of England and Wales.

If you are a consumer living in Scotland or Northern Ireland, you may also have the right to bring proceedings in the courts of Scotland or Northern Ireland where applicable.

Nothing in these Terms affects any mandatory consumer rights or protections that apply to you under the law of the country in which you live.

30. CONTACT US

If you have any questions about these Terms, your purchase, access to a Product or Service, cancellation or a complaint, please contact:

Melissa Pazzanese
Heal and Thrive with Melissa / Chef Career Mentor

Email: melissa@healandthrivewithmelissa.com

Business address:

Unit #2784
275 New North Road
London
N1 7AA
United Kingdom

End of Terms and Conditions