These Terms of Service (“Terms”) govern your access to and use of all websites, programs, products, services, and content operated by Essential Business Behaviors and Dr. Nan (“Company,” “we,” “us,” or “our”), including but not limited to essentialbusinessbehaviors.com, Discourse/SafeHarbor.com, and unitedagainstworkplacebullying.com (collectively, the “Sites”).

By accessing or using our Sites or purchasing any product or service, you agree to be bound by these Terms. If you do not agree, do not use the Sites or purchase our offerings.

1. NO REFUND & PAYMENT POLICY (IMPORTANT)

Digital Products, Programs & Services

All products, programs, coaching services, events, and materials offered by Essential Business Behaviors are

non-tangible, irrevocable digital goods and services.

All purchases are final.
We do not offer refunds, cancellations, credits, or returns under any circumstances.

By purchasing, you acknowledge that:

• You have reviewed the program details in full

• You understand the nature of digital and coaching services

• You accept full responsibility for your purchase decision

Payment Plans

If you enroll in a payment plan:

• You are responsible for the entire purchase price, regardless of participation, completion, or early withdrawal

• Missed or late payments may result in temporary suspension of access until the account is current

Individual Coaching & Group Coaching Programs

For Group and One-On-One Coaching programs (1–12 months):

• You commit to the full program fee upon enrollment

• Early withdrawal does not relieve payment obligations

• No refunds or early terminations are permitted

Chargebacks & Billing Disputes

We encourage you to contact us directly at [email protected] to resolve any billing concerns.

Unauthorized chargebacks or disputes that violate these Terms may result in:

• Immediate suspension or termination of access

• Loss of program participation

• Collection efforts for outstanding balances

Nothing in these Terms limits your statutory consumer rights where applicable by law.

2. PROGRAM DELIVERY & CHANGES

• Programs may be delivered live or pre-recorded at our discretion

• Dates, schedules, facilitators, and formats may change without notice

• Program outcomes are not guaranteed 

3. INTELLECTUAL PROPERTY & CONFIDENTIALITY

All materials, content, frameworks, tools, processes, videos, recordings, and written materials are copyrighted and proprietary, unless otherwise specified.

You may not:

• Record, reproduce, distribute, sell, teach, sublicense, or exploit any materials

• Share login credentials or program access

• Use materials for commercial or competitive purposes

Violation may result in:

• Immediate termination of access

• Legal action to protect intellectual property

4. USER CONDUCT & FORUMS

If you participate in forums, comments, reviews, or community spaces, you agree not to post content that is:

• Abusive, defamatory, threatening, or discriminatory

• False or misleading

• Promotional or commercial

• In violation of any law or third-party rights

We reserve the right to remove content or suspend access at our discretion.

By posting content, you grant us a non-exclusive, royalty-free license to use your content for educational, operational, or marketing purposes, with reasonable efforts to anonymize where appropriate.

5. DISCLAIMERS

All content and services are provided “as is” without warranties of any kind.

Participation is at your own risk. You are solely responsible for your decisions, actions, and results.

6. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages

• Total liability shall not exceed the amount you paid to us

We are not responsible for advice, services, or content provided by guest speakers or third parties.

7. AGE REQUIREMENTS

Our Sites are not intended for children under 13.
Users under 18 may require parental or guardian consent.

8. ACCESSIBILITY & CONTENT NOTICE

We are committed to accessibility and continuously work toward WCAG compliance.
Some content may include mature or direct language related to personal and professional growth.

9. GOVERNING LAW

These Terms shall be governed by the laws of the State of California, the County of Alameda, and the City of Berkeley.