Checkout Terms

These Checkout Terms apply to your purchase of any digital product, programme, course, journal, cohort, or masterclass offered at drmayssam.com or through any platform I authorise. They do not apply to one-to-one coaching engagements, which are arranged separately and governed by the Coaching Agreement (see Section 7.3 below).

They are short by design. They link to the full Privacy Policy, the full Terms of Service, the full Practice Disclaimer & Informed Consent, and the Cookie Policy, all of which apply to your purchase.

By completing your purchase, you confirm that you have read and accepted these Checkout Terms together with all four linked documents.

Tick the acceptance box at checkout only if you have read, understood, and accepted all five documents in full.

1. The documents that govern your purchase

These Checkout Terms

Privacy Policy at drmayssam.com/privacy

Terms of Service at drmayssam.com/terms

Practice Disclaimer & Informed Consent at drmayssam.com/disclaimer

Cookie Policy at drmayssam.com/cookies

2. What you are buying

You are buying access to the specific product, programme, journal, course, masterclass, or other item described on the sales page. Inclusions, format, duration, delivery method, and any prerequisites are set out on the sales page. The sales page description, together with these Checkout Terms and the linked documents, defines what you are buying.

These Checkout Terms apply to digital products, courses, cohorts, masterclasses, and similar offers sold through the website. They do not apply to one-to-one coaching engagements. One-to-one engagements are arranged directly with me and governed by a separate signed Coaching Agreement; see Section 7.3 below.

3. The nature of what you are buying

Everything I offer is educational, informational, and reflective. It is not medical, psychiatric, psychological, financial, legal, tax, or relationship advice, and it is not a substitute for any of those. The full carve-outs are in the Practice Disclaimer & Informed Consent. Read it before purchasing.

Every product, programme, course, cohort, masterclass, and digital item I sell is governed by the foundational principle Your Sovereignty, Your Choice, set out in Section 1 of the Practice Disclaimer & Informed Consent. You are sovereign over every choice in your own life. I share perspectives, reflections, and frameworks; I do not direct, prescribe, or instruct. Any choice you make as a result of anything you purchase is your own free, conscious, voluntary choice, taken at your own discretion, by your own agency, and at your own risk.

4. Eligibility

You confirm that you are at least 18 years old, that you have full legal capacity, and that you are purchasing for your own personal, non-commercial use, unless one of the exceptions below applies.

Where you are purchasing on behalf of an adolescent aged 13-17 (your child or a child for whom you are the legal guardian), you confirm that you are the parent or legal guardian, that you are purchasing as the contracting party and account holder, and that the product you are purchasing is one expressly available for use by adolescents in that age range (a journal not marked “Adults only (18+)”, or a cohort or course expressly marked “Teen-Welcome (Ages 13-17, parent consent required)”)

You confirm that the minor for whom you are purchasing will use the product under your authorisation

You consent, on behalf of the minor, to the processing of the minor’s personal data as set out in the Privacy Policy

Direct one-to-one coaching is not sold through this checkout; for adolescents 16-17, direct one-to-one coaching is arranged separately under the Coaching Agreement and a Minors Engagement Addendum

Children under 13 may not use any of the products sold through this checkout

5. Price, payment, taxes

The price displayed at checkout, in the currency indicated, is the price you pay. Applicable taxes, where shown, are added at checkout. Payment is processed by my third-party payment processor. By submitting your payment, you authorise the charge.

6. Delivery

Digital products and downloads: delivered immediately on completion of payment, by email and by access link

Live programmes, courses, and masterclasses: access details delivered by email at the time stated on the sales page

7. Refunds and cancellation

7.1 Digital products (instant downloads)

Digital products that are delivered immediately on purchase (including journals in PDF or audio form, downloadable courses, and any other downloadable material) are non-refundable once delivery has commenced, owing to their nature, except where I have expressly agreed otherwise in writing. Where you are a consumer in the European Union or the United Kingdom, you acknowledge under EU Directive 2011/83/EU and the UK Consumer Contracts Regulations that you are requesting immediate access to the digital content and that you waive your right of withdrawal once download or streaming has commenced.

7.2 Cohort programmes, courses, and masterclasses

Cancellation timing —

Cancellation more than one (1) month before the start of the cohort: full refund. Non-refundable third-party fees (such as payment processor fees, currency conversion fees, and platform commissions) are absorbed by me where reasonably possible; where any such fee cannot be recovered by me, it may be deducted from your refund, and I will identify any such deduction to you in writing at the time of refund.

Cancellation between one (1) month and 15 days before the start of the cohort: at your option, either (i) elect a credit on the terms set out below or (ii) receive a refund of fifty per cent (50%) of the fee you paid

Cancellation in the 15 days before the start of the cohort, or at any time after the cohort has started: non-refundable, no credit, no transfer

Where I cancel or postpone a cohort, you may at your option (a) receive a full refund or (b) transfer your full fee to the next cohort

If you elect a credit —

Your credit is valid for eleven (11) months from the date of your cancellation. This window reflects the fact that no cohort enrolment may be cancelled within the one-month period before its start, including any cohort to which you transfer

An administration fee of ten per cent (10%) of the original fee paid applies to any credit redemption (option 1, 2, or 3 below)

Electing the credit option extinguishes any right to a refund of the fee paid

The credit is non-transferable to any other person, has no cash value, and may not be combined with any promotional discount, sale, launch offer, or other reduction in price, unless I confirm otherwise in writing

If no eligible cohort or course runs within your eleven-month credit window, the credit converts to a refund of the amount you originally paid, less the 10% administration fee

Credit redemption options —

Option 1: you are re-registered in the next run of the same cohort that takes place within your eleven-month credit window. The price you originally paid is locked in and you are not subject to any subsequent price increase. The 10% administration fee is payable upfront under the settlement procedure below

Option 2: you transfer your registration to a different course or programme of equal or lower price than the original cohort, provided it runs within your eleven-month credit window. No refund is given for any price difference where the new course is cheaper. The 10% administration fee is payable upfront under the settlement procedure below

Option 3: you transfer your registration to a different course or programme of higher price than the original cohort, provided it runs within your eleven-month credit window. The 10% administration fee and the full price difference between the original and new course are both payable upfront, in a single payment, under the settlement procedure below

Settlement procedure (manual) —

Cancellation requests are handled manually, not by automated workflow. Please email me your cancellation

On receipt of your cancellation, I will reply asking you to clarify your election (refund or credit, and if credit, options 1, 2, or 3)

Once you confirm your election in writing, I will send you settlement details: the amount payable, the payment method, and the seven-day payment window

Payment must be initiated within seven (7) days of the date I send you the settlement details. Reasonable bank settlement time on a payment you have initiated within the window is treated as on-time

If full payment of the settlement amount is not initiated within the seven-day window, the consequences in “Failure to settle” below apply

Failure to settle —

Where you have cancelled in the 1-month-to-15-days window, your entitlement to either a credit or a 50% refund is preserved. The credit options require active confirmation and payment of the administration fee under the rules below; if you do not complete those steps within the seven-day window, you receive the 50% refund instead. You are not at risk of losing both

Option 1 or option 2: if the 10% administration fee is not paid within the seven-day window, the credit is treated as not elected, your registration in the original cohort is cancelled, and a refund of fifty per cent (50%) of the original fee is issued in its place

Option 3: if the 10% administration fee is paid within the seven-day window but the price difference is not paid in full within the same window, you are defaulted down to option 1 (re-registration in the next run of the same cohort). The 10% administration fee already paid is applied to that option 1 election. You are not registered in the higher-priced course

Option 3: if neither the 10% administration fee nor the price difference is paid within the seven-day window, the credit is treated as not elected, your registration in the original cohort is cancelled, and a refund of fifty per cent (50%) of the original fee is issued in its place

Refunds issued under this section are processed within fifteen (15) working days of the lapse of the seven-day settlement window. Election of, or default to, the 50% refund extinguishes your registration and any pricing or status privilege from the original engagement; any future enrolment with me is treated as a new enrolment on then-current terms

Election rules —

Your election (refund or credit, and if credit, options 1, 2, or 3) is confirmed in writing in response to my settlement reply, no later than the start date of the original cohort

If you do not confirm an election in writing by the start date of the original cohort, you are deemed to have elected the 50% refund. The refund is processed within fifteen (15) working days of the original cohort start date

You may change your election once, by a single further written notice to me, no later than thirty (30) days before the start date of the cohort or course into which the credit is being applied. If the change moves you between options with different settlement amounts (for example from option 1 to option 3), the difference is settled within a fresh seven-day window starting from the date I send you revised settlement details

Once you have attended any portion of a cohort or course under your credit, your election is final and no further change is permitted

The new cohort or course you elect must itself fall within your eleven-month credit window. The cancellation policy above applies again to that new enrolment, including the one-month no-cancellation rule before its start

If you elect the 50% refund —

Your refund is fifty per cent (50%) of the fee you originally paid. No administration fee is charged on top

The refund is processed within fifteen (15) working days of your written election

Election of the refund extinguishes your registration and any pricing or status privilege from the original engagement. Any future enrolment with me is treated as a new enrolment on then-current terms and at then-current prices

7.3 One-to-one coaching is not covered by these Terms

One-to-one coaching engagements are not sold through the website checkout and are not governed by these Checkout Terms. Each one-to-one engagement is arranged directly with me, governed by a separate signed Coaching Agreement, and paid for by the method agreed in that Agreement (typically bank transfer or cheque, not online card payment). All terms relating to scheduling, rescheduling, cancellation, fees, refunds, confidentiality, intellectual property, and the rights and obligations of the parties to a one-to-one engagement are set out in that Coaching Agreement.

7.4 Statutory rights

Where the law of your country of residence gives you a refund, withdrawal, or cancellation right that is more favourable than the terms above, that local law applies.

8. Intellectual property and acceptable use

8.1 Ownership and licence

All material delivered to you through any product, programme, course, cohort, masterclass, journal, or digital item I sell, including text, written materials, frameworks, methodologies, course content, programme content, journals, audio, video, images, designs, logos, trade dress, the visual identity of the brand, and any derivative or adaptation of the foregoing (the “Materials”), is owned by Dr. Mayssam Mounir, or licensed to me, and is protected by copyright, trademark, trade secret, and other intellectual property laws under Lebanese law and under international treaties including the Berne Convention and the TRIPS Agreement.

On purchase, you receive a personal-use, non-transferable, non-commercial, revocable licence to access and use the Materials for your own personal benefit. The licence does not transfer ownership of any Materials to you and does not extend to any third party. The full intellectual property terms are set out in the Terms of Service and are incorporated into these Checkout Terms by reference.

8.2 What you may not do

Without my prior written consent, you may not:

Copy, reproduce, republish, repost, distribute, transmit, broadcast, display, sell, license, sublicense, or otherwise exploit any of the Materials, in any medium and for any purpose, in whole or in part

Reproduce, adapt, translate, summarise, or repackage any methodology, framework, course architecture, programme structure, journal design, or proprietary system of mine, in any medium, and offer or present any of these to any third party, whether for compensation or not

Share access credentials to any platform, course, programme, or material made available to you through your purchase

Record any portion of any live programme, cohort session, masterclass, or video where I have not given written permission to record

Use, reproduce, modify, distribute, or display any photograph, video recording, voice recording, image, or likeness of me, or any artificial intelligence-generated representation of me, including any synthetic image, voice clone, deepfake, or avatar

Use my name, my image, my voice, my likeness, or any of my Marks in any commercial context, in any endorsement, in any sponsored content, or in any way that suggests an affiliation, sponsorship, partnership, or endorsement that does not exist

Train, fine-tune, evaluate, or test any artificial intelligence, machine learning, or generative model on the Materials, on any recording of any live session in which I appear, on my voice, on my image, or on my likeness

Remove, obscure, or alter any copyright, trademark, attribution, or proprietary notice on any Material

8.3 Right of image and likeness

Under Lebanese law, the Berne Convention, the EU Charter of Fundamental Rights Article 8, and the equivalent personality-rights frameworks of most jurisdictions, the use of a person’s name, voice, image, likeness, or AI-generated representation without consent is unlawful and gives rise to civil liability and, in certain jurisdictions, criminal liability. This applies in full to me.

8.4 Trademarks

“Holistic Mastery”, “Holistic Mastery Map”, “Integration Sequence”, “Medicine. Mastery. Meaning.”, the methodology framework, the visual identity, and any related marks (the “Marks”) are claimed as common law trademarks of Dr. Mayssam Mounir and are denoted with the ™ symbol. Some Marks are the subject of pending or contemplated registration with the relevant national and international trademark offices. Once registered, they will be denoted with the ® symbol in the relevant jurisdiction. Use of any Mark without my prior written consent is prohibited.

8.5 Survival

This Section 8 survives any termination of, or refund under, these Checkout Terms. The personal-use licence to Materials you have already received continues for your own personal benefit, subject to the restrictions in Section 8.2.

9. Liability

To the maximum extent permitted by law, my total aggregate liability to you arising out of or in connection with your purchase is limited to the amount you have paid for that purchase, without prejudice to the broader limitation set out in the Terms of Service. The full liability terms are in the Terms of Service and the Practice Disclaimer & Informed Consent.

10. Governing law and jurisdiction

These Checkout Terms are governed by the laws of the Lebanese Republic. The competent courts of Beirut, Lebanon have exclusive jurisdiction, subject to any mandatory consumer protection of your country of residence.

11. Acceptance

By ticking the acceptance box and completing your purchase, you confirm:

That you are at least 18 years old

That you have read and accepted these Checkout Terms

That you have read and accepted the Privacy Policy, the Terms of Service, the Practice Disclaimer & Informed Consent, and the Cookie Policy

That you understand the nature of what you are buying and that it is not medical, mental health, financial, legal, or relationship advice

That any choice you make in your own life as a result of any product or programme is your own free, conscious, and voluntary choice, taken at your own discretion and at your own risk

That you authorise the charge to your selected payment method

12. Contact

Dr. Mayssam Mounir Saliba

Mar Roukoz, Dekwene, Mount Lebanon, Lebanon

Email: support@drmayssam.com

drmayssam.com