Terms, Conditions &
Liability Waiver

These Terms of Service, Conditions, Disclaimers, and Liability Waiver apply to your use of this website and to all private sessions, classes, seminars, workshops, digital communications, booking flows, payment flows, and related services offered by eMoon Consulting Ltd., a New Jersey corporation doing business as Refresh Mind℠, and by Richard S. Schwartz in his role as owner, practitioner, instructor, or representative.

By accessing this website, booking a session, registering for a class, submitting payment, attending a session, attending a seminar, or communicating with Refresh Mind, you agree to these Terms. If you do not agree, do not use the website, book services, submit payment, or participate.

These Terms are intended to be as broad and protective as permitted by applicable law. Nothing in these Terms limits any liability, right, or remedy that cannot legally be limited or waived.

Refresh Mind offers spiritual, meditative, educational, and personal development services through the ThetaHealing® technique and related conversations, classes, exercises, and materials. Services may include belief work, guided discussion, spiritual inquiry, remote sessions, class demonstrations, practice sessions, and educational content.

Services are not medical care, mental health care, psychotherapy, psychiatry, psychology, counseling, social work, financial advice, legal advice, or any other licensed professional service unless expressly stated in a separate written agreement signed by the Provider.

• Richard S. Schwartz is not holding himself out through this website as your physician, psychiatrist, psychologist, psychotherapist, licensed counselor, social worker, dietitian, attorney, accountant, financial advisor, or emergency responder.
• Refresh Mind does not diagnose, treat, cure, prevent, or mitigate any disease, disorder, injury, psychiatric condition, trauma, addiction, crisis, or medical condition.
• Do not stop, start, delay, or change medication, therapy, medical care, mental health care, or professional treatment because of anything stated on this website or discussed in a session or class.
• Always consult qualified licensed professionals for medical, psychological, psychiatric, legal, financial, or other professional decisions.

Refresh Mind is not a crisis service and does not provide emergency screening, monitoring, suicide prevention, psychiatric intervention, or urgent response. Email, booking requests, website forms, payment notes, class attendance, and private sessions are not appropriate ways to seek emergency help.

If you may harm yourself or someone else, feel unsafe, are experiencing a medical emergency, or are in acute emotional crisis, call 911, go to the nearest emergency room, contact local emergency services, or call or text 988 in the United States for the Suicide & Crisis Lifeline.

You must be at least 18 years old to book or participate on your own. Minors may participate only with the informed consent and active involvement of a parent or legal guardian, and only if accepted by the Provider.

• You are responsible for deciding whether services are appropriate for you.
• You are responsible for your choices, actions, interpretations, and results.
• You agree to provide accurate booking, contact, payment, and relevant safety information.
• You agree to participate from a private, safe environment and not while driving or doing anything that requires focused attention.
• You agree to consult licensed professionals for medical, mental health, legal, financial, or other regulated concerns.

You voluntarily choose to participate in spiritual, meditative, educational, and personal development services. You understand that sessions and classes may involve discussion of beliefs, emotions, relationships, memories, personal goals, health-adjacent topics, spirituality, finances, family, and other sensitive subjects.

You knowingly assume all risks associated with participation, including emotional discomfort, unexpected feelings, disappointment, reliance on your own interpretations, technology interruptions, scheduling issues, personal decisions made before or after services, and the possibility that services do not meet your expectations.

To the fullest extent permitted by law, you release, waive, discharge, and covenant not to sue eMoon Consulting Ltd., Refresh Mind℠, Richard S. Schwartz, and their owners, officers, directors, employees, contractors, instructors, representatives, agents, affiliates, successors, assigns, insurers, and service providers from any and all claims, demands, losses, liabilities, damages, costs, expenses, and causes of action arising out of or related to your use of the website, booking or payment activity, participation in services, communications, classes, seminars, remote sessions, or reliance on information provided.

This release includes claims based on ordinary negligence where such a release is permitted by law. It does not release claims that cannot be released under applicable law, such as claims for intentional misconduct, fraud, gross negligence where not waivable, or non-waivable statutory rights.

You are paying for time, attention, instruction, facilitation, and educational or spiritual services. You are not paying for a guaranteed physical, emotional, spiritual, financial, relationship, career, medical, legal, or personal outcome.

Refresh Mind does not guarantee healing, symptom relief, diagnosis, cure, financial results, business results, relationship repair, certification, employment, income, spiritual experience, or any other specific result.

Testimonials, reviews, stories, descriptions, blog posts, class descriptions, and website language reflect subjective experiences, opinions, spiritual beliefs, educational framing, or marketing descriptions. They are not promises, guarantees, medical claims, scientific proof, or representations that you will experience the same or similar results.

Individual experiences vary. Some people may experience no change, a different change than expected, or discomfort during personal reflection.

All prices are listed in U.S. dollars unless otherwise stated. Payment may be collected through Stripe, Zelle, Cal.com, or another payment or scheduling provider. A booking may not be confirmed until payment and scheduling requirements are completed.

• Private session payments are final and non-refundable except where required by law or expressly agreed in writing by the Provider.
• Private sessions may be rescheduled only with at least 24 hours' notice. Late cancellation, missed appointments, or failure to attend may result in forfeiture of the payment.
• Seminar and class deposits are final and non-refundable except where required by law or expressly agreed in writing by the Provider.
• Seminar and class payments may be transferred to a future date only with at least 72 hours' notice and only if the Provider approves the transfer.
• Once digital manuals, links, class materials, or restricted access information are sent, transfers and refunds may be unavailable.
• Improper chargebacks, payment reversals, or disputed payments may result in cancellation of services, loss of access, and collection of amounts owed to the fullest extent permitted by law.

If you choose Zelle or another direct payment method, you are responsible for sending payment to the correct recipient, in the correct amount, and by the required deadline. Do not include sensitive medical, mental health, or private personal details in payment notes.

The Provider is not responsible for delays, misdirected payments, bank errors, payment app errors, or third-party transfer issues outside its control.

The website and services may rely on third-party platforms including Cal.com, Stripe, Zelle, Zoom, THInK, Vercel Analytics, Vercel Speed Insights, email providers, hosting providers, and external websites. Those third parties are independent from the Provider and may have their own terms, privacy policies, fees, data practices, outages, refund rules, and support processes.

To the fullest extent permitted by law, the Provider is not responsible for third-party acts, omissions, errors, downtime, data practices, payment processing decisions, platform rules, certification decisions, or content on external websites.

Some classes or seminars may require separate registration with THInK or another third-party organization. ThetaHealing® and ThetaHealer® are registered trademarks of THInK. Refresh Mind is not THInK, and THInK may impose separate prerequisites, attendance rules, certification requirements, fees, terms, and policies.

Completion of a class does not guarantee certification, professional status, client results, permission to practice in any jurisdiction, income, employment, business success, or acceptance by any third party.

Services may be delivered by Zoom, phone, email, scheduling platforms, or other digital tools. You are responsible for your internet connection, device, privacy, location, and ability to participate.

You may not record, screenshot, stream, transcribe, publish, or share any private session, class, seminar, participant interaction, or restricted material without prior written permission from the Provider and, where applicable, all participants.

The Provider aims to treat personal communications respectfully, but services are not medical treatment, psychotherapy, legal advice, or a regulated confidential professional relationship. Communications may not be protected by doctor-patient privilege, therapist-client privilege, attorney-client privilege, HIPAA, or similar professional confidentiality rules unless a law independently requires it.

Do not send medical records, therapy records, highly sensitive information, or emergency information by email, contact links, booking notes, or payment notes unless specifically requested and appropriate. Information may be processed by third-party platforms used for booking, payment, analytics, email, video, hosting, or administration.

Website content, class materials, text, images, design, branding, original handouts, emails, and other materials are owned by the Provider or used with permission unless otherwise stated. You receive a limited, personal, non-transferable right to use materials for your own personal learning.

You may not copy, teach, sell, publish, upload, distribute, record, or create derivative works from materials without written permission, except where applicable law allows.

You agree not to harass, threaten, abuse, defame, exploit, record, disrupt, impersonate, violate privacy, violate intellectual property rights, interfere with technology, or use services for unlawful, harmful, or deceptive purposes.

The Provider may refuse, cancel, suspend, or terminate services, attendance, access, or communications at any time for safety, misconduct, nonpayment, policy violations, scheduling concerns, inappropriate fit, or any other lawful reason. Refunds are not owed when services are terminated because of your misconduct or violation of these Terms.

To the fullest extent permitted by law, the Provider and all released parties will not be liable for indirect, incidental, consequential, special, exemplary, punitive, emotional distress, lost profit, lost opportunity, reputational, technology-related, data-related, payment processing, third-party, or reliance-based damages arising out of or related to the website, services, sessions, classes, communications, payments, or these Terms.

To the fullest extent permitted by law, the total liability of the Provider and released parties for any claim will not exceed the amount you paid directly to the Provider for the specific service giving rise to the claim, or $100, whichever is greater. This limitation does not apply where prohibited by law.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless the Provider and all released parties from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to your breach of these Terms, your misuse of the website or services, your misconduct, your violation of another person's rights, your violation of law, your payment disputes, or decisions you make before, during, or after participation.

These Terms and any dispute arising out of or related to the website, services, bookings, payments, sessions, classes, or communications will be governed by the laws of the State of New Jersey, without regard to conflict-of-law rules, except where another law cannot be waived.

To the fullest extent permitted by law, you agree that disputes will be brought only in the state or federal courts located in New Jersey, and you consent to personal jurisdiction and venue there. Before filing a claim, you agree to email the Provider and attempt in good faith to resolve the issue informally for at least 30 days.

To the fullest extent permitted by law, claims must be brought only on an individual basis, not as a plaintiff or class member in any class, collective, consolidated, private attorney general, or representative proceeding. To the fullest extent permitted by law, you and the Provider waive the right to a jury trial.

If you are a New York client or are protected by another state's non-waivable consumer laws, nothing in these Terms is intended to remove rights that cannot legally be waived.

The Provider may update these Terms from time to time. The updated version will be posted on this page with a revised date. Your continued use of the website or services after updates are posted means you accept the updated Terms.

If any part of these Terms is found invalid, illegal, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law. These Terms, together with any signed intake, registration, booking, or payment terms, form the agreement between you and the Provider for the services.