TERMS OF SERVICE & DISCLAIMER

Last updated: 09.08.2026

These Terms of Service and Disclaimer (“Terms”) apply to all online courses, digital products, coaching programmes, workshops, webinars, memberships, educational materials, emails, website content and other products or services (“Offers”) provided by Stephanie Magney, including under the names Stephy Magney and xo Stephy, through www.xostephy.com and any associated platforms.

For the purposes of these Terms, “I”, “me” and “my” refer to Stephanie Magney, and “you” and “your” refer to the person purchasing, accessing or participating in an Offer.

By purchasing, accessing or participating in an Offer, you acknowledge that you have read and agree to these Terms. Where applicable, additional terms presented to you during the purchase process also form part of the agreement.

Nothing in these Terms is intended to exclude or limit any mandatory rights or protections you have under applicable consumer law.

1. NATURE AND PURPOSE OF MY OFFERS

My Offers are educational, informational and personal-development resources. Depending on the particular Offer, topics may include manifestation, mindset, personal development, relationships, dating, emotional wellbeing, confidence, career, business, finances, lifestyle, health and wellness, spirituality, goal-setting and other areas of personal growth.

The purpose of my Offers is to provide you with information, perspectives, exercises, tools and practices that may support you in exploring your own goals and making your own decisions.

My Offers are not intended to replace appropriately qualified professional advice or services. The information provided is general in nature and cannot take into account every individual’s personal circumstances, needs, risks or objectives.

Participation in an Offer does not create a doctor-patient, therapist-patient, psychologist-client, lawyer-client, financial adviser-client or other regulated professional relationship unless an Offer is expressly described as providing such a service and is legally permitted to do so.

You remain responsible for your own decisions, choices, actions and use of the information provided through my Offers.

2. EDUCATIONAL, INFORMATIONAL AND PERSONAL RESPONSIBILITY DISCLAIMER

The information, ideas, exercises, practices, perspectives and recommendations provided through my Offers are intended for educational, informational and personal-development purposes.

They are not intended to constitute individualized professional advice or a substitute for advice from an appropriately qualified professional.

This applies regardless of the subject matter discussed in an Offer, including but not limited to:

health and wellness;
mental and emotional wellbeing;
relationships, dating and family matters;
career and professional decisions;
business and entrepreneurship;
money and financial decisions;
personal development and life decisions;
legal matters;
nutrition, exercise and lifestyle;
spirituality, manifestation and related practices.

You are responsible for evaluating the information provided and deciding whether, when and how to apply it to your own circumstances.

Where a matter involves significant financial, legal, medical, psychological, relationship, professional or other personal consequences, you should seek advice from an appropriately qualified professional who can take your individual circumstances into account.

Nothing contained in an Offer should be understood as a requirement that you take a particular action or make a particular decision.

You remain responsible for your own choices, actions and decisions, subject always to any rights and protections that cannot legally be excluded or limited.

3. HEALTH, WELLNESS AND MEDICAL DISCLAIMER

Where an Offer contains information relating to health, wellbeing, nutrition, exercise, movement, mental or emotional wellbeing, lifestyle or other health-related subjects, that information is provided for general educational and informational purposes only.

My Offers are not medical care and are not a substitute for medical, psychological, psychiatric, nutritional, therapeutic or other professional healthcare advice, diagnosis or treatment.

Unless expressly stated otherwise, I do not diagnose, treat, cure or prevent diseases, illnesses or medical conditions.

You should consult an appropriately qualified healthcare professional regarding your individual circumstances, particularly if you have a medical condition, injury, symptoms, mental-health concerns, are pregnant or breastfeeding, take medication, are undergoing treatment, or have any other circumstance that may affect your ability to safely participate in or apply information contained in an Offer.

You should not delay seeking professional medical or psychological advice, disregard professional advice you have received, discontinue prescribed medication or treatment, or otherwise replace professional care with information obtained through my Offers.

Any exercises, practices, techniques, dietary suggestions, lifestyle recommendations, breathwork, movement or other activities contained within an Offer are undertaken voluntarily and at your own discretion.

If you experience pain, distress, unusual symptoms or any other concerning reaction, you should stop the relevant activity and seek appropriate professional advice where necessary.

4. FINANCIAL, BUSINESS AND CAREER DISCLAIMER

Where an Offer discusses money, finances, investing, income, business, entrepreneurship, employment, career or professional decisions, the information is provided for general educational and informational purposes only.

I am not a financial adviser, investment adviser, accountant, lawyer or other regulated financial or professional adviser unless expressly stated otherwise.

Nothing in my Offers constitutes individualized financial, investment, tax, accounting, legal or professional advice.

I do not guarantee that any strategy, idea, exercise, mindset practice or information discussed in an Offer will result in increased income, business growth, employment, career advancement, financial gain or any other financial or professional outcome.

You are responsible for your financial, business, career and professional decisions and should obtain advice from an appropriately qualified professional before making decisions involving significant financial, legal, tax, investment or professional consequences.

5. RELATIONSHIPS, PERSONAL DECISIONS AND EMOTIONAL WELLBEING

Where an Offer discusses relationships, dating, family matters, communication, emotional wellbeing, confidence, personal decisions or other aspects of personal life, the information is provided for general educational and personal-development purposes.

My Offers are not a substitute for professional psychological, psychiatric, therapeutic, counselling, legal or other professional services.

I do not guarantee that applying any particular exercise, practice, belief, mindset or recommendation will produce a particular result in your relationships, emotional wellbeing or personal circumstances.

Relationships and personal circumstances involve other individuals and factors outside my control. You remain responsible for your own decisions, boundaries, communications and actions.

Where you are experiencing serious emotional distress, abuse, violence, a mental-health crisis or another situation requiring professional assistance, you should seek appropriate qualified professional or emergency support rather than relying solely on an Offer.

6. MANIFESTATION AND PERSONAL DEVELOPMENT

Manifestation, mindset, visualization, intention-setting, affirmations and related practices are presented as personal-development tools and practices.

They should not be understood as guarantees that a particular event, person, relationship, financial outcome, health outcome or other circumstance will occur.

I do not claim that thoughts, beliefs, emotions, manifestation practices or mindset alone can control external events or the actions, decisions or behaviour of other people.

Any references to manifestation, transformation, possibility, abundance or similar concepts are presented within the context of personal development and should not be interpreted as a promise or guarantee of a particular result.

You remain responsible for taking appropriate practical action, exercising your own judgment and seeking professional advice where appropriate.

7. NO GUARANTEE OF RESULTS

I do not guarantee any particular personal, health, wellness, emotional, relationship, financial, business, career, professional or other outcome from participating in or applying the information provided through my Offers.

Any examples of results, transformations, testimonials, income, health improvements, relationship outcomes, business results or other experiences presented on my website, in marketing materials or within an Offer are examples of individual experiences only.

They should not be interpreted as a promise, prediction or guarantee that you will achieve the same or similar results.

Your results may depend on numerous factors, including your individual circumstances, starting point, decisions, actions, consistency, resources and factors outside my control.

You are responsible for your own decisions, actions and results, subject always to any rights and protections that cannot legally be excluded or limited under applicable law.

Nothing in these Terms is intended to exclude or limit liability or statutory rights that cannot legally be excluded or limited.

8. ONLINE COURSES AND DIGITAL CONTENT

My online courses and associated materials may include videos, audio recordings, written materials, workbooks, PDFs, exercises, templates, recordings, downloadable materials, online lessons and other digital content.

Access to an online course or digital product is personal to the purchaser and may not be shared, transferred, resold, sublicensed or otherwise made available to another person without my prior written permission.

Where an Offer has a specified access period, access will be available for the period stated on the relevant sales page or at the time of purchase.

I may use third-party platforms or technology providers to deliver digital content. I will take reasonable steps to provide access to purchased content, but temporary interruptions may occur because of maintenance, technical problems, platform outages, internet issues or circumstances outside my reasonable control.

Where digital content or a digital service does not conform to the contract, you retain any mandatory statutory rights and remedies applicable under consumer law.

9. RIGHT OF WITHDRAWAL – DIGITAL CONTENT

If you are a consumer within the European Union, you may generally have a statutory right of withdrawal of 14 days for contracts concluded at a distance, subject to applicable legal exceptions.

For digital content supplied electronically, where permitted by applicable law, you may request that access to the digital content begins immediately, before the expiry of the withdrawal period.

Where you expressly request immediate delivery of the digital content and expressly acknowledge that you will lose your statutory right of withdrawal as a result, the right of withdrawal will cease when the conditions required by applicable law have been fulfilled.

This consent and acknowledgement will be obtained separately during the purchase process through a dedicated checkbox. Acceptance of these Terms alone does not constitute the required express consent or acknowledgement.

Your mandatory statutory rights relating to defective or non-conforming digital content or services remain unaffected.

10. ONLINE COACHING AND LIVE ONLINE SESSIONS

Where an Offer includes one-to-one coaching, group coaching, webinars, workshops, calls or other live online sessions, the applicable dates, duration, number of sessions and access period will be communicated at the time of purchase.

You are responsible for attending or participating at the scheduled time and for having the necessary internet connection, device, software and suitable environment to participate.

Where you need to reschedule a coaching session, you must provide reasonable notice in accordance with any specific booking terms communicated to you.

Unused sessions may expire at the end of the applicable coaching period where this has been clearly communicated before purchase and is permitted by applicable law.

Where a session cannot take place because of circumstances attributable to me, I will, where reasonably possible, offer an alternative date or another appropriate solution.

Nothing in this section limits any mandatory consumer rights that apply to the relevant service.

11. PAYMENTS

The applicable price of an Offer will be displayed before you complete your purchase.

Unless otherwise stated, payment is due at the time of purchase.

You agree to provide accurate and complete billing and payment information.

If a payment is not successfully completed, I may suspend or withhold access to the relevant Offer until payment has been received, subject to applicable law.

Where a payment plan is offered, each instalment forms part of the agreed purchase price. Cancelling or ceasing to use an Offer does not automatically cancel outstanding payment obligations, except where cancellation or termination is permitted by applicable law or expressly agreed by me.

12. REFUNDS AND CANCELLATIONS

Any commercial refund or cancellation policy specifically applicable to an Offer will be communicated before purchase.

Such commercial policies do not affect any statutory withdrawal, cancellation, conformity, refund or other consumer rights that apply under mandatory law.

Where you are legally entitled to a refund, I will process it in accordance with applicable legal requirements.

For coaching, workshops or other services for which a specific cancellation policy applies, that policy will be communicated to you before or at the time of purchase.

13. PARTICIPANT RESPONSIBILITY

You are responsible for your own decisions, actions and use of the information provided through my Offers.

You acknowledge that an educational Offer cannot take into account every individual’s personal circumstances and that information provided to you may not be appropriate for your particular situation.

You agree to use reasonable judgment and to obtain appropriate professional advice where necessary.

Participation in an Offer is voluntary, and you may choose not to participate in any particular exercise, activity, discussion or recommendation.

14. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, I will not be responsible for losses or damages arising solely from your decisions, actions or use of information provided through an Offer where such loss or damage could not reasonably be attributed to a breach of my legal obligations.

I am not responsible for circumstances outside my reasonable control, including interruptions caused by third-party platforms, internet or telecommunications failures, technical failures, cyber incidents affecting third-party providers, or other events that could not reasonably have been prevented or avoided.

However, nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including liability that cannot lawfully be excluded or limited in relation to personal injury, death, fraud, intentional misconduct or other matters for which liability must legally remain with me.

Nothing in these Terms affects any mandatory statutory rights or remedies available to consumers.

15. INTELLECTUAL PROPERTY

All materials provided as part of my Offers, including but not limited to videos, recordings, written materials, workbooks, PDFs, presentations, exercises, templates, frameworks, methods, graphics, photographs, audio, text, course structure and other content, are owned by me or used by me under appropriate rights or licences.

Your purchase gives you a personal, limited and non-transferable right to access and use the materials for your own personal use, unless otherwise stated.

You may not, without my prior written permission:

copy or reproduce my course materials in whole or in part;
sell, sublicense, share or redistribute access;
upload my materials to another website, platform or file-sharing service;
provide access to another person;
commercially exploit my materials;
reproduce my proprietary materials in another course, programme or product; or
record or reproduce live sessions for redistribution.

Nothing in these Terms prevents you from exercising rights that cannot legally be restricted.

I reserve the right to take appropriate legal action in the event of unauthorized use of my intellectual property.

16. CONFIDENTIALITY AND COMMUNITY CONDUCT

Where an Offer includes a private community, group, coaching environment or interaction with other participants, you agree to treat other participants respectfully and to maintain the confidentiality of personal information or experiences shared by others.

You must not publish, distribute or commercially exploit another participant’s personal information, private communications, testimonials, photographs, recordings or other confidential information without their permission.

I reserve the right to remove or restrict access to a community, group or Offer where a participant engages in abusive, threatening, discriminatory, harassing, fraudulent or otherwise inappropriate conduct, subject to applicable law.

17. RECORDINGS AND USE OF IMAGE OR VOICE

Where live online sessions are recorded, participants will be informed where required.

I may record certain sessions for purposes such as providing replays to participants, documenting the Offer, training, quality control or other legitimate business purposes, subject to applicable privacy and data-protection requirements.

Where I intend to use your identifiable image, voice, name or testimonial for public marketing or promotional purposes in circumstances requiring specific consent, I will obtain the appropriate consent separately.

You must not record, reproduce or distribute live sessions or recordings for purposes not permitted by these Terms.

18. PRIVACY AND PERSONAL DATA

I process personal data in accordance with my Privacy Policy.

By purchasing or participating in an Offer, you acknowledge that your personal data may be processed as described in my Privacy Policy and as otherwise permitted or required by applicable data-protection law.

My Privacy Policy is available here:

[INSERT PRIVACY POLICY LINK]

19. MINORS

Unless expressly stated otherwise for a particular Offer, my Offers are intended for adults aged 18 and over.

I do not knowingly provide health, wellness, coaching or personal-development Offers directly to children without appropriate parental or legal-guardian involvement and any additional safeguards required by applicable law.

20. ADULT THEMES AND CONTENT

Certain Offers may discuss adult topics, sexuality, relationships, personal development, trauma, emotional wellbeing or other sensitive subjects and may include explicit or strong language.

The nature and subject matter of an Offer will be described, where appropriate, before purchase.

If you are uncomfortable with the subject matter of a particular Offer, you should not purchase or participate in that Offer.

21. THIRD-PARTY SERVICES AND LINKS

My Offers may contain links to or rely on third-party websites, platforms, applications or services.

I am not responsible for the content, availability, security, policies or practices of third-party services that are outside my control.

Your use of third-party services may be subject to their own terms and privacy policies.

22. CHANGES TO MY OFFERS

I may make reasonable changes to my website, course materials, teaching methods, platforms, schedules or other aspects of an Offer where necessary for operational, technical, legal or educational reasons, provided that such changes do not unlawfully deprive you of the essential characteristics of the Offer you purchased.

I may update these Terms from time to time. The version applicable to your purchase will generally be the version in effect when you entered into the relevant agreement, unless a later change is required by law or otherwise validly applies to an ongoing relationship.

23. CIRCUMSTANCES OUTSIDE MY CONTROL

I will not be responsible for a failure or delay in performing an obligation where that failure or delay results from circumstances beyond my reasonable control, to the extent permitted by applicable law.

Where reasonably possible, I will communicate material disruptions and take reasonable steps to restore or replace the affected service.

This section does not affect any mandatory consumer rights or remedies.

24. COMPLAINTS AND CONTACT

If you have a question, concern or complaint regarding an Offer, please contact me first so that I have an opportunity to resolve it.

Stephanie Magney
Amel, Belgium
Email: [email protected]
I will make reasonable efforts to respond and resolve complaints in good faith.

25. APPLICABLE LAW AND CONSUMER RIGHTS

These Terms are governed by Belgian law, except to the extent that mandatory provisions of consumer law in the country where you reside provide you with greater or different protection.

If you are a consumer, nothing in these Terms prevents you from relying on mandatory consumer rights that apply to you.

Any dispute should first be brought to my attention so that we can attempt to resolve it amicably.

Where a dispute cannot be resolved directly, you retain any rights you may have to use applicable consumer mediation, alternative dispute-resolution or judicial procedures.

26. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it valid and enforceable, where legally possible.

The invalidity or unenforceability of one provision will not affect the validity of the remaining provisions.

27. ENTIRE AGREEMENT

These Terms, together with the information provided to you before purchase, any specific terms applicable to the particular Offer, and any applicable Privacy Policy, constitute the agreement between you and me concerning the relevant Offer, subject to any mandatory rights and obligations imposed by law.

PROVIDER INFORMATION

Provider: Stephanie Magney
Trading/brand names: Stephy Magney / xo Stephy
Website: www.xostephy.com
Address: Amel, Belgium
Email: [email protected]
These Terms govern the relationship between you, as the customer, and Stephanie Magney as the provider of the relevant product or service.

Last updated: 09/08/2026