Coaching is not therapy, counseling, or financial/legal advice. We provide guidance, strategies, and support, but you are responsible for your own success and decisions. Results are not guaranteed and depend on your effort, implementation, and personal circumstances. 

Payments and Services must be made in full or through an approved payment plan. No refunds will be issued for completed coaching sessions, digital products, physical products, or self-paced courses. If you are on a payment plan, you agree to complete all payments, regardless of program completion. 

All content, including courses, coaching materials, videos, and PDFs, is the exclusive property of Marsheila Tillman Coaching & Consulting and is protected by copyright law. 

You may not copy, distribute, or resell any materials without written permission.