Terms of Service

Agreement to Terms

By accessing or using Perimenopause Patterns ("the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

Description of Service

Perimenopause Patterns provides:

• Online perimenopause pattern assessments
• Personalized pattern reports and recommendations
• Educational content about perimenopause
• Digital products and tools
• Subscription-based navigation services

Important Medical Disclaimer

The Service is for educational and informational purposes only. It is NOT medical advice.

The Pattern Recognition Method, assessments, and all content provided through this Service:

• Do not constitute medical advice, diagnosis, or treatment
• Are based on educational experience and research, not clinical practice
• Should not replace consultation with qualified healthcare providers
• Should not be used to make medical decisions

Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read or received through this Service.

User Accounts

When you create an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Purchases and Payments

Pricing

All prices are displayed in USD and are subject to change. We reserve the right to modify pricing at any time, though changes will not affect existing subscriptions until renewal.

Payment Processing

Payments are processed securely through Stripe. By making a purchase, you agree to Stripe's terms of service.

Subscriptions

Subscription services (Pattern Navigator, Executive Navigator) are billed annually. Subscriptions automatically renew unless cancelled before the renewal date.

Refund Policy

We offer a 30-day money-back guarantee on all paid products. If you're not satisfied for any reason, contact elena@lobia.net within 30 days of purchase for a full refund.

Intellectual Property

All content on this Service, including but not limited to:

• Text, graphics, and logos
• The Pattern Recognition Method
• Assessment questions and algorithms
• Educational materials and tools

...is the property of Perimenopause Patterns and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Permitted Use

You may use the Service for your personal, non-commercial use. You may not:

• Copy, modify, or distribute our content
• Use the Service for any illegal purpose
• Attempt to gain unauthorized access
• Share your account credentials
• Resell or redistribute our products
• Use automated systems to access the Service

User Content

By submitting content through the Service (such as assessment responses or feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, process, and analyze this content for:

• Providing the Service to you
• Improving our products and services
• Aggregate research purposes (anonymized)

Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Limitation of Liability

To the maximum extent permitted by law:

• The Service is provided "as is" without warranties of any kind
• We do not guarantee specific results from using our services
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid for the Service

Indemnification

You agree to indemnify and hold harmless Perimenopause Patterns, its owner, employees, and affiliates from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or prominent notice on the website. Continued use of the Service after changes constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by the laws of the State of Arizona, United States, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or the Service shall first be attempted to be resolved through informal negotiation. If unresolved after 30 days, disputes shall be submitted to binding arbitration in Phoenix, Arizona.

Contact Information

For questions about these Terms, please contact:

• Email: elena@lobia.net
• Location: Phoenix, Arizona, USA