Booking Confirmation: To secure your participation in a retreat, coaching session, or event, a completed registration and a non-refundable deposit of 20% of the total price are required. The booking becomes binding upon our written confirmation, typically via email. Payment Terms: The remaining balance must be paid no later than 42 days (6 weeks) prior to the start of the event. Failure to receive the remaining payment on time may result in the reallocation of your spot. Cancellation by Participant: Cancellations must be submitted in writing via email. Up to 6 weeks before the start date: The remaining payment will be refunded; the deposit is retained. Less than 6 weeks before the start date: No refund unless the spot can be filled by another participant. Suitable replacement participants may be nominated at any time free of charge. Cancellation by Organizer: In the unlikely event that we need to cancel a program (e.g., due to illness, force majeure, or insufficient registrations), all payments made, including the deposit, will be fully refunded. We are not responsible for any other costs incurred (e.g., travel, accommodation). Liability: Participation is at your own risk. IHR Consulting accepts no liability for damage to property or personal injury unless caused by gross negligence or intentional misconduct on our part. Data Protection: We process personal data solely for the purpose of managing your booking and event participation, in accordance with our Privacy Policy. Your data will not be shared with third parties. Governing Law: This agreement is governed by the laws of the United States of America and the State of Florida, without regard to its conflict of law principles.