Payment Terms and Conditions

1. Agreement to These Payment Terms

By purchasing, booking, enrolling in, subscribing to, or otherwise paying for a JBN Global offering, you agree to these Payment Terms, the JBN Global Terms and Conditions, and the JBN Global Platform Privacy Policy.

If there is a conflict between these Payment Terms and a separate written agreement signed by you and JBN Global, the signed written agreement controls only for the conflicting payment, cancellation, refund, or billing provision.

2. Scope of Paid Offerings

JBN Global may offer paid services and products, including:

• Individual non-clinical coaching or strategy sessions;
• Multi-session client packages;
• Non-clinical planning, accountability, coordination, and support engagements;
• Subscription-based or recurring service options;
• Workshops, events, educational programs, and group experiences;
• Digital materials, guides, templates, tools, training resources, and learning content;
• JBN Certification, provider training, or other professional-development offerings;
• Administrative, scheduling, onboarding, or platform-related fees where clearly disclosed before purchase.

The scope, duration, price, session allotment, expiration date, provider availability, included features, payment schedule, and any specific cancellation or refund terms for an offering will be shown at checkout, in the applicable order form, on the relevant service page, in a written engagement confirmation, or in another agreement accepted by you before payment.

3. Pricing and Currency

All prices are displayed in the currency identified at checkout or in the applicable written agreement.

Unless clearly stated otherwise:

• Prices do not include applicable taxes, transaction charges, currency-conversion charges, bank charges, or payment-provider charges;
• You are responsible for taxes, fees, and charges imposed by a governmental authority, bank, card issuer, payment processor, or other third party;
• JBN Global may correct obvious pricing, typographical, display, or calculation errors before accepting or fulfilling an order;
• JBN Global may change pricing for future purchases, future service periods, or renewals by providing legally required notice;
• A price change will not alter the price of a confirmed paid offering unless you agree to the change, a separate written agreement permits the change, or applicable law permits it.

JBN Global does not guarantee that a price offered in one location, currency, program, campaign, or period will remain available in another location, currency, program, campaign, or period.

4. Payment Authorization

When you provide a payment method, you represent and warrant that:

• You are authorized to use the payment method;
• The payment information you provide is accurate and current;
• You authorize JBN Global and its designated payment processor to charge the payment method for the amount shown at checkout or otherwise agreed in writing;
• You will promptly update your payment information if it changes;
• You will not use a payment method that is stolen, unauthorized, fraudulent, or otherwise unlawful.

You authorize JBN Global and its authorized third-party payment processor to process charges for:

• Service fees;
• Package fees;
• Subscription or recurring charges, if separately authorized;
• Taxes;
• Deposits;
• Late-cancellation or no-show charges, if clearly disclosed before booking or purchase;
• Installment payments, if you selected or agreed to an installment plan;
• Other charges clearly disclosed and accepted before payment.

5. Payment Processing

JBN Global does not intentionally collect or store full payment-card numbers or payment-card security codes in ordinary Platform messages, forms, notes, or general document-upload fields. Payment information must be submitted only through the designated secure payment process.

Payments may be processed through a third-party payment gateway or processor. By completing a payment, you may also be subject to that processor's terms, privacy policy, fraud-prevention procedures, and payment-network rules.

JBN Global is not responsible for:

• Delays caused by a bank, payment processor, card issuer, payment network, or other third party;
• Fees assessed by your financial institution or card issuer;
• Currency conversion or foreign-transaction fees;
• Payment-method declines;
• A payment processor's independent systems, security, policies, or service interruptions.

JBN Global may refuse, cancel, suspend, or delay a transaction if we reasonably believe the transaction is unauthorized, fraudulent, violates these Payment Terms, creates a compliance or security risk, or cannot be processed.

6. Deposits, Installments, and Payment Plans

If an offering requires a deposit, the deposit amount and whether it is refundable will be clearly disclosed before payment.

Unless a written agreement expressly states otherwise:

• A deposit reserves a place in the relevant offering, engagement, session series, program, or onboarding process;
• Deposits are non-refundable once JBN Global has begun administrative, onboarding, scheduling, planning, provider-matching, or other work associated with the purchase, except where required by law;
• A deposit may be applied to the total purchase price when stated at checkout or in writing;
• A payment plan is a commitment to pay the full agreed price according to the payment schedule;
• You remain responsible for all amounts due under an installment plan, even if you do not use all available sessions, materials, or Platform features, except where a written agreement or applicable law provides otherwise;
• JBN Global may suspend future sessions, access, scheduling, materials, provider assignment, or other non-completed services if a payment is overdue, declined, reversed, or disputed.

If a payment plan is offered, all material terms—including total price, number and amount of installments, due dates, payment method, late-payment consequences, cancellation conditions, and any interest or finance charges—will be disclosed before you agree to the plan.

JBN Global does not charge interest or finance charges unless specifically disclosed in a separate written agreement accepted by you before the charge applies.

7. Session Packages and Expiration

A session package provides access to the number of sessions or service units expressly stated at purchase. A package does not guarantee that sessions will be available at any particular date, time, frequency, or with a particular Approved Provider.

Unless a written agreement or the applicable checkout terms state otherwise:

• Package sessions must be scheduled and used within the package-validity period disclosed at purchase;
• Unused sessions may expire after the disclosed validity period;
• Expired sessions are not refundable, transferable, or exchangeable except where required by law or approved by JBN Global in writing;
• Sessions may not be transferred to another individual without JBN Global's written approval;
• A package may be used only for the service type, individual, and purpose identified at purchase;
• JBN Global may reassign a Client to another qualified Approved Provider if the originally scheduled provider becomes unavailable, subject to operational needs and the applicable service scope.

JBN Global may, in its reasonable discretion, extend a package expiration date for documented emergencies or exceptional circumstances. An extension on one occasion does not create a right to an extension in another circumstance.

8. Session Scheduling, Cancellations, and Rescheduling

8.1 Standard Cancellation Window

Unless a different period is clearly stated in a specific service agreement, package description, or booking confirmation, a Client must cancel or reschedule a session at least 24 hours before the scheduled start time.

A cancellation or rescheduling request must be submitted through the designated JBN Global scheduling process, portal, or other approved written method. A request sent through an unapproved channel may not be effective until JBN Global confirms receipt.

8.2 Timely Cancellations

If a Client cancels or reschedules within the applicable cancellation window:

• JBN Global will make reasonable efforts to reschedule the session, subject to availability;
• The session ordinarily will remain available for future scheduling within the applicable package-validity period;
• A refund is not automatically due merely because a session is rescheduled or cancelled on time.

8.3 Late Cancellations

A cancellation or rescheduling request received fewer than 24 hours before a scheduled session may be treated as a late cancellation.

Unless otherwise stated at checkout or in a written agreement, a late cancellation may result in:

• Forfeiture of the scheduled session;
• A late-cancellation fee;
• A reduction of the remaining package balance;
• Other clearly disclosed consequences.

JBN Global may waive a late-cancellation consequence when a Client provides reasonable documentation of an emergency or exceptional circumstance. A waiver is discretionary and does not establish a right to future waivers.

8.4 No-Shows and Late Arrivals

A "No-Show" occurs when a Client:

• Does not attend a scheduled session;
• Arrives so late that the session cannot reasonably proceed;
• Does not respond to reasonable session-start communications;
• Fails to use the designated cancellation process before the session begins.

Unless a written agreement states otherwise, a No-Show results in forfeiture of that session or service unit. JBN Global may determine, in its reasonable discretion, whether a session can proceed if a Client arrives late.

An Approved Provider is not required to extend a session beyond its scheduled end time because a Client arrived late. A Client remains responsible for the full scheduled session fee or package deduction unless JBN Global approves an exception in writing.

8.5 JBN Global or Provider Cancellations

JBN Global may cancel, reschedule, or reassign a session because of provider unavailability, technology failure, safety concerns, scope concerns, compliance requirements, force majeure events, or other circumstances reasonably outside JBN Global's control.

If JBN Global cancels a paid session and cannot reasonably reschedule it, JBN Global may provide one of the following remedies, as appropriate:

• A rescheduled session;
• A credit toward a future JBN Global service;
• A replacement session with another qualified provider;
• A refund for the unused affected portion of the paid service.

9. Refund Policy

9.1 General Rule

Except where required by law or expressly stated in a written agreement, payments for completed Services, completed sessions, completed administrative work, completed onboarding, accessed digital materials, completed training, and elapsed subscription or service periods are non-refundable.

9.2 Non-Refundable Items

Unless required by law or expressly agreed otherwise in writing, the following are non-refundable:

• Completed coaching, strategy, planning, coordination, or other Services;
• Sessions that were completed or made available and not timely cancelled;
• Late-cancelled sessions and No-Show sessions;
• Completed provider application, credentialing, background-verification, certification, onboarding, or administrative work;
• Accessed digital materials, downloads, templates, tools, courses, training materials, or educational content;
• Expired package sessions;
• Clearly disclosed non-refundable deposits;
• Payment-processing, currency-conversion, bank, and third-party transaction fees;
• Services suspended or ended because of a user's breach of the Terms, prohibited conduct, payment default, fraud concern, scope violation, or compliance issue.

9.3 Refund Review

A Client may request a refund review by emailing support@jbnglobal.co. The request must include:

• Client name;
• Email address associated with the account;
• Purchase date;
• Service or package purchased;
• Amount paid;
• Reason for the request;
• Any relevant supporting information.

JBN Global will review requests in good faith and respond within a reasonable period. Approval of a refund is within JBN Global's discretion except where a refund is required by applicable law or a written agreement.

If JBN Global approves a refund, the refund generally will be issued to the original payment method. Processing times depend on the payment processor and financial institution.

9.4 Consumer Rights

Nothing in these Payment Terms limits non-waivable rights under applicable consumer-protection law. All price, cancellation, no-show, and refund disclosures must be clear, accurate, conspicuous, and consistent across JBN Global's sales pages, checkout flows, booking confirmations, invoices, and client agreements.

10. Recurring Billing and Automatic Renewal

This section applies only if JBN Global offers a subscription, continuous service, recurring-charge plan, automatic-renewal package, free trial that converts to a paid plan, or another arrangement that results in recurring charges.

Before collecting payment information or obtaining consent to recurring charges, JBN Global will clearly and conspicuously disclose, as applicable:

• That the service will continue or automatically renew unless cancelled;
• The recurring charge amount;
• The billing frequency;
• The duration of the renewal term or that the service continues until cancelled;
• Any minimum purchase commitment;
• Any trial period and the date or condition under which paid charges begin;
• Any known future price change;
• The deadline, if any, for cancelling before a future charge;
• How to cancel.

JBN Global will obtain affirmative consent to recurring charges separately from general acceptance of the Terms and Conditions.

For online enrollment, JBN Global will provide a practical online cancellation method. Cancellation will be at least as easy to use as the method used to enroll and will not require a telephone call, live representative interaction, or other unreasonable barrier when the user enrolled online.

After enrollment, JBN Global will provide an acknowledgment that can be retained and that includes the recurring-payment terms, cancellation policy, and instructions for cancelling.

Cancellation will stop future recurring charges after the applicable cancellation becomes effective. Cancellation does not automatically entitle a Client to a refund of fees already paid for completed Services, an active paid billing period, or a clearly disclosed non-refundable item, except where required by law.

11. Failed Payments and Overdue Balances

If a charge is declined, reversed, disputed, returned, or otherwise unsuccessful, JBN Global may:

• Notify you and request updated payment information;
• Retry the payment method, where permitted by law and the payment authorization you provided;
• Suspend account access, session scheduling, package access, provider assignments, digital materials, certification access, or other Services;
• Cancel future bookings;
• Require payment in full before further Services are scheduled or provided;
• Seek lawful collection of amounts due, including reasonable third-party collection costs where permitted by law and agreed in writing.

You remain responsible for all valid unpaid charges incurred before cancellation, suspension, or termination.

12. Chargebacks and Payment Disputes

If you believe a charge was made in error, contact JBN Global first at support@jbnglobal.co so we can review the matter.

Before initiating a chargeback or payment dispute, you agree to provide JBN Global a reasonable opportunity to investigate and address the issue. This requirement does not prevent you from exercising rights that cannot lawfully be waived.

JBN Global may suspend Services while a chargeback, payment dispute, suspected fraud review, or material payment delinquency is pending.

If a chargeback is reversed in JBN Global's favor, JBN Global may require payment of the balance before restoring access to affected Services.

13. Taxes

You are responsible for taxes, duties, levies, and governmental charges associated with your purchase, except for taxes based on JBN Global's net income.

If JBN Global is required by law to collect or remit taxes, the applicable tax amount may be added to the price at checkout or invoicing.

14. Promotions, Credits, and Gift Certificates

Promotional offers, discounts, service credits, gift certificates, referral incentives, and similar benefits are subject to the specific terms displayed with the offer.

Unless the offer terms state otherwise:

• Promotions cannot be combined;
• Promotions cannot be transferred, exchanged for cash, or applied retroactively;
• Promotional pricing applies only during the stated offer period;
• Service credits have no cash value and may expire;
• JBN Global may revoke a promotion obtained through fraud, misuse, error, or violation of these Payment Terms;
• A promotional discount does not create a right to the same pricing in a future purchase or renewal period.

15. Provider Payments

Payments to Approved Providers are governed by a separate signed Independent Contractor Provider Agreement, compensation schedule, invoice process, and applicable tax documentation.

Nothing in these Payment Terms creates an employment relationship between JBN Global and an Approved Provider. Approved Providers are independent contractors and are responsible for their own taxes, insurance, expenses, licenses, credentials, and professional obligations, subject to the terms of their separate agreement with JBN Global.

16. No Insurance Billing or Reimbursement Guarantee

JBN Global does not bill health insurance for JBN Global Services.

JBN Global does not guarantee that any Service will be eligible for reimbursement through a health-insurance plan, flexible spending account, health savings account, employer benefit, third-party payer, professional-development allowance, or any other funding source.

You are responsible for confirming eligibility, submission requirements, and reimbursement rules with the relevant third party.

17. Changes to Payment Terms

JBN Global may update these Payment Terms to reflect changes in Services, pricing, payment methods, legal requirements, consumer-protection obligations, operational practices, or business needs.

JBN Global will revise the "Last Updated" date when changes are made. If a change materially affects an existing recurring-charge arrangement, JBN Global will provide notice and obtain consent where required by law.

The version of these Payment Terms in effect at the time of a purchase generally governs that purchase, unless a later change is required by law or you agree to revised terms.

18. Governing Law and Disputes

These Payment Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, except where federal law or non-waivable law in your jurisdiction applies.

Disputes concerning these Payment Terms are subject to the dispute-resolution, binding-arbitration, class-action-waiver, governing-law, and venue provisions in the JBN Global Terms and Conditions, unless a separate signed agreement provides otherwise.

19. Contact

For billing questions, cancellation requests, payment-plan questions, refund-review requests, or payment disputes, contact:

Just Breathe Now LLC (d/b/a JBN Global)
Website: jbnglobal.co
Email: support@jbnglobal.co