Hina Khan Worldwide Inc. Programs

Terms and Conditions

Programs, Products, Services and Program Materials
Effective September 1, 2026

1. TERMS OF USE
These Terms of Use state how you may access our Website and other platforms and how you may use our Programs, Products, Services and Program Materials.
Please read these Terms of Use before you accept them. You accept these Terms of Use by ticking the box marked "I agree to the Terms of Use and Privacy Policy" at enrolment. We may change these Terms of Use in accordance with the section headed Changes to These Terms and Conditions. If at any time you do not agree with these Terms of Use, please do not use our Programs, Products, Services or Program Materials.

2. WORDS YOU NEED TO UNDERSTAND
"Agreement" or "contract" means all of the documents which you and the Company have signed, the Credit Card Authorization Form you have signed, and these Terms of Use.
"Business User" has the meaning given in the section headed Business Users and Consumers.
"Client" or "you" means any purchaser, client and/or user of any of our Programs, Products, Services and Program Materials.
"Company" "we", "us" or "me" means Hina Khan Worldwide Inc. doing business as Hina Khan Coaching.
"Consumer" has the meaning given in the section headed Business Users and Consumers.
"Improper and/or Unauthorized Use" includes and is not limited to modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium any Program Materials or any other information accessed or purchased through our Programs and Services for your own business or commercial use or in any way that earns you money or that you trade for valuable consideration.
"Programs, Products, Services and Program Materials" mean any paid program or service, group course or program including but not limited to a mastermind, e-course, downloadable information product, e-book, or other service or course where we provide content for educational and informational purposes that is not permitted to be reproduced or used in your own business for commercial use or in a way that earns you money. Programs, Products, Services and Program Materials may be delivered in ways including but not limited to in-person, phone, Zoom, Skype, webinars, masterclasses, Facebook Live Videos, videos, audios, books, e-books, social media, blog articles, or otherwise in a variety of settings such as individual coaching sessions, individual consulting sessions, group programs including but not limited to masterminds, classes, workshops, events, retreats, seminars, or trainings. What you can specifically expect from any program will be included in the sales or information page for that program.
"Program Materials" mean any video, audio, printed or written text or work including but not limited to drafts, online or printed documents, or other materials created by us that are provided to you for your educational and informational purposes or through our Programs, Products, Services and Program Materials.
"Terms of Use" includes this document and all the standard provisions that form part of every contract we enter into with each purchaser, client and user (including you) of any of our Programs and Services, as amended from time to time in accordance with the section headed Changes to These Terms and Conditions.
"Thinking Partner" or the "Tool" means the artificial intelligence tool described in the section headed The Thinking Partner Tool.

3. BUSINESS USERS AND CONSUMERS
Some parts of these Terms of Use apply differently depending on whether you are a Business User or a Consumer.
You are a Business User if you enrol for purposes relating wholly or mainly to your trade, business, craft or profession, or if a business is paying for your enrolment. Most participants in our Programs are Business Users.
You are a Consumer if you enrol for purposes wholly or mainly outside your trade, business, craft or profession.
Where a provision of these Terms of Use is stated to apply to Business Users, it applies in full to you if you are a Business User. If you are a Consumer, that provision applies to you only to the extent the law of the place where you live permits, and nothing in these Terms of Use takes away rights the law gives you as a consumer.
We ask you at enrolment whether you are enrolling as an individual or through a business. Your answer helps us apply these Terms of Use correctly, and it does not by itself determine whether the law treats you as a Consumer.

4. HOW YOU MAY USE OUR PROGRAMS, PRODUCTS, SERVICES AND PROGRAM MATERIALS
You consent to use our Programs, Products, Services and Program Materials as described in these Terms of Use.
By purchasing or using any of our Programs, Products, Services and Program Materials, you agree to abide by these Terms of Use and the Agreement you have signed, and you acknowledge and agree that you are required to act in accordance with them.
All of our Programs, Products, Services and Program Materials are intended solely for persons who are 18 years of age or older. Any registration by, use of, or access to any Programs, Products, Services and Program Materials by anyone who is younger than 18 years of age is unauthorized, unlicensed and violates these Terms of Use. By purchasing or using any Programs, Products, Services and Program Materials, you represent and warrant that you are at least 18 years of age.

5. INTELLECTUAL PROPERTY RIGHTS
5.1 Our limited licence to you
Our Programs, Products, Services and Program Materials are our property or are used by us with authorization from the owner, and are protected by copyright, trademark, and other intellectual property laws. This means you can only use and access them in the ways and to the extent we say you can.
The content in our Programs, Products, Services and Program Materials is solely owned by or licensed to us, unless expressly indicated otherwise. This content includes, but is not limited to, the design, layout, look, appearance and graphics of our Programs, Products, Services and Program Materials or any other material or aspects of materials provided by us to you. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms of Use.
If you purchase or access any of our Program Materials or Products, you will be considered our Licensee. All content obtained through us is solely and completely our property or is provided under a licence granted to us, and you are granted a revocable, non-transferable licence for personal, non-commercial use only, limited to you only. You may not use our Programs, Products, Services and Program Materials in a manner that constitutes an infringement of our rights or in a manner that has not been authorized by us.
The format and methodology of our Programs, Products, Services and Program Materials are subject to change at the Company's sole discretion, at any given time.
Any trademarks, taglines, and logos displayed on our Program Materials are trademarks belonging to us or to the entity which has granted us a licence to use them. All trademarks reproduced on our website which we do not own or hold a licence to are acknowledged on our website. Any use including framing, meta tags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our express written consent, or permission granted in these Terms of Use.
For those trademarks, taglines, and logos for which you are granted permission to use, the trademark indicia must be included at all times. Any marketing or promotional tools, Program or Service titles, or any other title or information of ours bearing the trademark symbols may not be used by you for any reason unless you ask us in writing and we answer in writing stating that you may do so.
All rights not expressly granted in these Terms of Use or in any written licence are reserved by us.
5.2 Information you must not share with others
As a Licensee, you understand and acknowledge that our Programs, Products, Services and Program Materials have been created, developed or obtained by us through the investment of significant time, effort and expense, and that this information is a valuable, special and unique asset of ours which needs to be protected from Improper and/or Unauthorized Use.
When you enrol in or purchase any of our Programs, Products and Services, you agree that you are clearly and expressly prohibited from doing any of the following:
(a) copying, sharing or stealing our Programs, Products, Services and Program Materials or any parts of them;
(b) using, copying, adapting or representing any of our Programs, Products, Services and Program Materials or their content in any way as if they are yours or created by you;
(c) engaging in the Improper and/or Unauthorized Use of our Programs, Products, Services and Program Materials;
(d) duplicating, sharing, trading, selling, or otherwise distributing our Programs, Products, Services and Program Materials to any other person, for their personal, business, or commercial use or in any way that earns them money, whether or not it was known to you at the time that you shared the information that their intention was to use the Program Materials for their own personal, business or commercial use;
(e) violating our intellectual property rights, including copyright and trademark rights, by downloading, printing, or otherwise using our Programs, Products, Services and Program Materials for publication or compilation into your own Programs, Services or Program Materials for your own personal, business or commercial use or in any way that earns you money;
(f) using our Programs, Products, Services and Program Materials in a manner that constitutes an infringement of our rights or that we have not first approved in writing.
You understand and agree that participating in, directly or indirectly, or engaging in the prohibited, Improper and/or Unauthorized Use of our Programs, Products, Services or Program Materials as set forth in these Terms of Use is considered theft and stealing. You agree and understand that prohibited use, Improper and/or Unauthorized Use may give rise to a civil claim for damages and may be turned over to the police for investigation as a criminal offence.
5.3 Your licence to us
By posting or submitting any material on or through our Programs, Products, Services or Program Materials such as comments, posts, photos, images or videos or other contributions, you are representing and warranting that you are the owner of all such materials and are at least 18 years old. Furthermore, you consent to the following:
(a) When you submit to us or post any comment, photo, image, video or any other submission for use on or through our Programs, Products, Services and Program Materials, you are granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide licence to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such contributions, in whole or in part, in any manner or in any medium, now known or developed in the future, for any purpose, and granting us the right to make it part of our current or future Website, Programs, Products, and Services and/or Program Materials. This right includes granting us use or exploitation of proprietary rights or intellectual property rights like copyright, trademark, service mark, trade secrets, patent rights or any other of your intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you.
(b) You also grant us, and anyone authorized by us, the right to identify you as the author of any copy, comments, posts, photos, images, videos or other contributions by name, email address, or screen name. You acknowledge that we have the right but not the obligation to use and display any contributions from you of any kind, and that we may elect to cease the use and display of any such contributions in our Programs, Products, Services and/or Program Materials in our sole discretion, at any time for any reason whatsoever.

6. MEDIA RELEASE
By participating in our Programs and Services, and using our Products and Program Materials, including on social media, you consent to photographs, videos, audio recordings, transcripts, copy or written or printed text that may contain you, your voice and/or your likeness, and we reserve the right to use them in our sole discretion in our current or future Programs, Products, Services, or Program Materials and/or our marketing or promotional efforts, without compensation to you at any time, now or at any time in the future.

7. DELEGATION
The Client acknowledges and understands that the principal of Hina Khan Coaching, Hina Khan, may not always be leading or present at group meetings. Hina Khan Coaching reserves the right to have its representatives provide and assist in the provision of any part of the services stated herein or the discharge of any other obligations or duties under this Agreement without the consent or approval of the Client.
8. NO SOLICITATION OF CLIENTS
During the time when you are accessing our Programs, Products or Services and for a period of one year thereafter, you will not contact or solicit any designated clients of Hina Khan Coaching for the purpose of selling to those designated clients any programs, products, program materials and services which are the same as or substantially similar to, or in any way competitive with, the services provided by Hina Khan Coaching at any point during the period of this Agreement. For the purposes of this section, a "designated customer or client" means a person who was a customer or client of Hina Khan Coaching before, during or after the period during which you are accessing our Programs, Products or Services.

9. DIVERSITY AND INCLUSION POLICY
Hina Khan Coaching and its community, Website, Programs, Products, Services and Program Materials are open and accessible to all ambitious and driven practitioners and coaches from anywhere in the world, from any background, culture or intersection, wanting to start and grow an online business. We value differences and diversity.
Our diversity policy is applicable, but not limited, to our practices and policies, training, promotions, programs, and the ongoing development of a platform built on the premise of diversity, equity and inclusion that encourages and enforces respectful communication and cooperation between all users of this platform and user contributions to the communities we serve. All users of the platform have a responsibility to treat others with dignity and respect at all times, and are expected to exhibit conduct that reflects inclusion. Any user found to have exhibited inappropriate conduct or behaviour against others may be subject to removal from our platform. Users who believe they have been subjected to any kind of discrimination that conflicts with our diversity policy should contact us at hina@hinakhan.ca.
10. COMMUNITY AND COMMENTING POLICY
We welcome constructive and positive feedback and use the feedback received to improve our client experience. We value our clients and community for the participation that occurs within the comment section of our website, private Facebook groups and other platforms.

Your comment may be removed for any of the following reasons:
(a) it is not appropriate for the platform;
(b) it contains inappropriate language;
(c) it violates these Terms of Use;
(d) it is excessive posting of the same comment or link;
(e) it is aggressive solicitation of other members;
(f) it contains stereotyping, meaning sweeping generalizations of any group or individual based on race, gender, religion, sexual orientation, ability or age.
If you see something that you think may violate our guidelines, please help us by emailing hina@hinakhan.ca. We will review these reports and work as quickly as possible to remove content that does not meet our guidelines.
11. REQUESTING PERMISSION TO USE OUR CONTENT
Any request for written permission to use our Programs, Products and Services or Program Materials in whole or in part, or any other intellectual property or property belonging to us, must be made in writing before you wish to use it. To ask for our permission, please contact us at the email address set out in the section headed Contacting Us.
You may not use our Programs, Products and Services or Program Materials in whole or in part in any way that is contrary to these Terms of Use, unless we have given you specific written permission to do so.
If you are granted permission by us, you agree to use only the specific content that we allow and only in the ways for which we have given you our written permission. If you use the content in ways for which we have not given you written permission, you agree that you will be treated as if you had copied, duplicated or stolen such content from us, and you consent to immediately stop using it and to take whatever actions we may request, by the methods and in the time frame we prescribe, to protect our intellectual property and ownership rights.

12. PERSONAL RESPONSIBILITY AND ASSUMPTION OF RISK
You agree that you are using your own judgement in using our Programs, Products, Services and Program Materials, and that you are doing so at your own risk. You agree and understand that you assume all risks and that no results are guaranteed in any way. You are solely responsible for your actions, decisions and results based on the use, misuse or non-use of our Programs, Products, Services and Program Materials.

13. DISCLAIMER
Subject always to the section headed Liabilities We Do Not Exclude, and to the fullest extent permitted by applicable law, we expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by you or others in connection with our Programs, Products, Services and Program Materials, including without limitation any liability for accidents, delays, injuries, harm, loss, damage, lost profits, personal or business interruptions, misapplication of information, physical or mental distress, condition or issue, loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted time and for any other loss or damage of any kind, in law or in equity, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. You specifically acknowledge and agree that we are not liable for any defamatory, offensive or illegal conduct of any other participant or user, including you.
14. NON-THERAPEUTIC CARE DISCLAIMER
You acknowledge that the Programs, Products, Services and Program Materials you will be receiving from your Coach are not offered as a substitute for professional mental health care or medical care and are not intended to diagnose, treat or cure any mental health or medical conditions. You also understand that your Coach is not acting as a mental health counsellor, therapist or a medical professional.
You acknowledge and agree that you are fully responsible for your well-being during your coaching sessions and subsequently, including your choices and decisions.
You acknowledge that coaching is not a substitute for counselling, psychotherapy, psychoanalysis, mental health care or substance abuse treatment, and you will not use it in place of any form of therapy.
You acknowledge that all comments and ideas offered by your Coach are solely for the purpose of aiding you in achieving the defined goals you create with your Coach. You have the ability to give your informed consent, and hereby give such consent to your Coach to assist you in achieving those goals, and understand that results are not guaranteed.
You acknowledge that to the extent our work together involves personal development, career or business, your Coach is not promising outcomes including but not limited to trauma recovery, personal introspection, increased personal happiness, career progression, profitability or business success.

You acknowledge that your Coach will protect your information as confidential unless stated otherwise in writing. Confidential information does not include information that: (a) was in the Coach's possession prior to being furnished by the Client; (b) is generally known to the public or in the Client's industry; (c) is obtained by the Coach from a third party without breach of any obligations to the Client; (d) is independently developed by the Coach without use of or reference to the Client's confidential information; (e) the Coach is required by statute, lawfully issued subpoena or court order to disclose; (f) is disclosed to the Coach and as a result of such disclosure the Coach reasonably believes there to be an imminent or likely danger or harm to the Client or others; or (g) involves illegal activity.

15. THE THINKING PARTNER TOOL
15.1 What the Tool is
(a) The Thinking Partner is an artificial intelligence tool made available as part of certain Programs. It draws on Program Materials created by Hina Khan and is intended to help you think through decisions, prepare written communications, and find material within those Program Materials.
(b) The Tool generates its responses automatically. Responses are produced by software and no person reviews them before you receive them.
(c) The Tool may identify a recorded call by date and subject and may link you to that recording. It does not reproduce, describe or summarise anything said by any other participant on a call.
(d) The Tool is not Hina Khan. It draws on her materials and responds in a style taken from them, and it remains software.
15.2 What the Tool is not
(a) The Tool is not health care, counselling, psychotherapy, medical care, a crisis service or an emergency service.
(b) The Tool is not monitored in real time. No person is reading your conversations as they happen.
(c) The Tool does not provide medical, mental health, legal, financial or business advice. The sections headed Non-Therapeutic Care Disclaimer and Legal and Financial Disclaimer apply to the Tool and to everything it produces.
(d) The Tool may produce information which is inaccurate, incomplete or out of date, including information which appears confident and accurate. You are responsible for checking anything you intend to rely on.
15.3 Eligibility
(a) The Tool is available only to persons aged 18 or over who are enrolled in a Program which includes it.
(b) Your account is personal to you. You must not share your access with any other person, and you must not use the Tool on behalf of anyone else.
15.4 If you need help urgently
(a) Do not use the Tool to obtain help in an emergency. If you are in danger, or you are thinking about harming yourself, or you are concerned about someone else's safety, contact your local emergency services or a crisis line.
(b) In Canada and the United States you can call or text 988, or call 911. In the United Kingdom you can call Samaritans on 116 123, or call 999. For other countries, findahelpline.com lists services by country.
(c) The Tool will provide these details where it identifies a message of this kind. It will not identify every such message, and you should not wait for it to do so.
15.5 What happens when the Tool identifies a serious disclosure
(a) Where our systems identify a message suggesting a risk of harm to you or to another person, the Tool will stop responding as a coaching tool. It will tell you that it is an artificial intelligence tool, that it is not Hina Khan and not a therapist, and it will give you crisis resources for your country.
(b) Our client care team is notified. A member of the team will contact you. The team works business hours, Monday to Friday, and a message identified outside those hours is reviewed on the next business day.
(c) We do not undertake to monitor your use of the Tool, to identify every message of this kind, or to intervene in an emergency. Nothing in this section is a promise of any of those things.
(d) This identification is carried out by automated means. You may ask us to have a person review any decision the Tool has made about your access, by writing to clients@hinakhan.ca, and a person will review it.
(e) We may suspend your access to the Tool where we consider that continued use is unsafe. Suspension of the Tool does not end your enrolment in the Program.
15.6 When we may share what you tell the Tool
(a) What you share with the Tool is treated as confidential and is handled in accordance with our Privacy Policy, subject to the following.
(b) Where we receive information giving reasonable grounds to suspect that a child is or may be in need of protection, we are required by law to report it to the appropriate authority, and we will do so.
(c) Where there is an emergency threatening the life, health or security of you or another person, we may disclose what is necessary to a person who needs it in order to respond, including emergency services or police.
(d) Where we make a disclosure under paragraph (c), we will tell you in writing that we have done so, unless the disclosure concerns a child protection report, in which case we will act on the direction of the authority.
(e) We may disclose information where we are required to do so by law, by a court order or by lawful process.
15.7 Your consent to how we handle what you share with the Tool
(a) By accepting these Terms of Use and giving the separate consent at enrolment, you expressly consent to us collecting, using and storing the content of your conversations with the Tool, including anything you choose to share about your health, your relationships, your family or your business, for the purposes described in this section and in our Privacy Policy.
(b) That content is processed on our behalf by service providers, and those providers are located outside your country, including in the United States. Details are in our Privacy Policy.
(c) We do not permit our service providers to use the content of your conversations to train their own artificial intelligence models.
(d) We keep this content for the periods set out in our Privacy Policy. You may ask us for a copy of it, ask us to correct it, or ask us to delete it, by writing to clients@hinakhan.ca.
(e) If you are in the United Kingdom, information about your health is special category data and we rely on your explicit consent to process it. You may withdraw that consent at any time by writing to clients@hinakhan.ca. If you withdraw it, you will no longer be able to use the Tool, and the rest of your Program is unaffected.
15.8 How you must not use the Tool
(a) You must not use the Tool to seek help in an emergency.
(b) You must not attempt to extract the material the Tool draws on, to identify any other participant, to reverse engineer the Tool, or to circumvent the safeguards described in section 15.5, including by phrasing messages so as to avoid them.
(c) You must not enter another person's personal information into the Tool unless you have their consent to do so.
(d) You must not use the Tool for any unlawful purpose, or to build, train or improve any competing product or model.
15.9 Material the Tool produces
(a) You keep whatever rights you have in what you type into the Tool. We do not claim ownership of it.
(b) Material the Tool produces for you is Program Materials and is subject to the same restrictions as the rest of the Program Materials, and you may use it for your own personal and business purposes.
(c) You must not present material produced by the Tool as having been written or said by Hina Khan.
(d) The Tool may produce similar material for different people. Nothing it produces for you is exclusive to you.
15.10 Availability
(a) We may change, suspend or withdraw the Tool at any time. The Tool forms part of a Program and is not separately priced, and its withdrawal does not entitle you to a refund of any part of the Program fee.
16. LEGAL AND FINANCIAL DISCLAIMER
Our Programs, Products, Services and Program Materials are not to be perceived or relied upon in any way as business, financial or legal advice. The information provided is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, or financial advisor. We are not giving financial or legal advice in any way. You are advised to consult with your own accountant, lawyer, or financial advisor for any and all questions and concerns regarding your own income and taxes pertaining to your specific financial or legal situation. You agree that we are not responsible for your earnings, the success or failure of your business decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you. You are solely responsible for your results.
17. EARNINGS DISCLAIMER
You acknowledge that we have not and do not make any representations as to the future income, expenses, sales volume or potential profitability or loss of any kind that may be derived as a result of your participation in any Program or Service or use of our Program Materials. We cannot and do not guarantee that you will attain a particular result, positive or negative, financial or otherwise, and you accept and understand that results differ for each individual. We expressly disclaim responsibility in any way for the choices, actions, results, use, misuse or non-use of the information provided or obtained. You agree that your results are strictly your own and we are not liable or responsible in any way for your results.

18. WARRANTIES DISCLAIMER
Subject always to the section headed Liabilities We Do Not Exclude, we make no warranties as to our Programs, Products, Services and Program Materials. You agree that they are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible in law and in equity, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Programs, Products, Services and Program Materials will be functional, uninterrupted, correct, complete, appropriate, or error-free, that defects will be corrected, or that any part of the website content is free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of our Programs, Products, Services, Program Materials or copy, or of third-party websites, in terms of their correctness, accuracy, timeliness, reliability, or otherwise.

19. TECHNOLOGY DISCLAIMER
We try to ensure that the availability and delivery of our Programs, Products, Services and Program Materials is uninterrupted and error-free, including our content and communications through methods such as our website, member forum, private Facebook groups, email communications, videos, audio recordings, Zoom calls, recorded Zoom calls, downloadable handouts, e-books, or any other materials provided by us to you. However, we cannot guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or updates, although we will try to limit the frequency and duration of any suspension or restriction. Subject always to the section headed Liabilities We Do Not Exclude, and to the fullest extent permitted by law, we will not be liable to you for damages or refunds, or for any other recourse, should our Programs, Products, Services and Program Materials become unavailable or access to them become slower or incomplete due to any reason such as system backup procedures, Internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause.

20. FORCE MAJEURE
We shall not be liable for any loss, damage or delay in fulfilling our obligations pursuant to this Agreement caused by or resulting from conditions or causes beyond our reasonable control including but not limited to power outages, riots, fire, flood, explosion, governmental controls or regulations, epidemics or other public health emergencies, civil insurrections, acts of terrorism, civil or military authority, and inability to obtain necessary supplies and materials or perform our obligations due to such causes.

21. LINKS TO OTHER WEBSITES
We may provide links and pointers to other websites or platforms maintained by third parties that may take you outside of our Programs, Products, Services and Program Materials. These links are provided for your convenience and the inclusion of any link does not imply our endorsement, sponsorship, or approval of that website or of its owner. We assume no responsibility for errors or omissions caused by other websites. We have no control over the contents or functionality of those websites and accept no responsibility for any loss or damage that may arise from your use of them, and we do not guarantee the accuracy, completeness, or usefulness of any other website or its content.

22. LIABILITIES WE DO NOT EXCLUDE
Nothing in these Terms of Use limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability which cannot lawfully be limited or excluded. This section applies whether you are a Business User or a Consumer.
If you are a Consumer, nothing in these Terms of Use affects your rights under the consumer protection laws of the place where you live, and the exclusions and limitations in these Terms of Use apply to you only to the extent those laws permit. If you are a Business User, the exclusions and limitations in these Terms of Use apply to you in full.
23. INDEMNIFICATION, LIMITATION OF LIABILITY AND RELEASE OF CLAIMS

23.1 Indemnification
You agree at all times to defend, indemnify and hold us harmless, as well as any of our agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees, as applicable, from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses on a solicitor and client basis, arising out of or related to our Programs, Products, Services and Program Materials, or your breach of any obligation, warranty, representation or covenant set forth in these Terms of Use or in any other agreement with us, to the full extent permitted by applicable law.
23.2 Limitation of liability
Subject always to the section headed Liabilities We Do Not Exclude, we will not be held responsible or liable in any way for the information or materials that you request or receive through or on our Programs, Products, Services and Program Materials. We do not assume liability for accidents, delays, injuries, harm, loss, damage, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, or otherwise, due to any act or default of anyone or any business, whether owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise, affiliated with us.
23.3 Release of claims
Subject always to the section headed Liabilities We Do Not Exclude, in no event will we be liable to any party for any type of direct, indirect, special, incidental, equitable or consequential damages for any use of or reliance on our Programs, Products, Services and Program Materials, and you hereby release us from any and all such claims, including without limitation those related to lost profits, personal or business interruptions, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties, to the fullest extent allowable by applicable law.

24. YOUR CONDUCT
You agree that you will not use our Programs, Products, Services and Program Materials in any way that causes or is likely to cause them, or access to them, to be interrupted, damaged, or impaired in any way. You understand that you are solely responsible for all electronic communications and content sent from your computer to us. You must use the Programs, Products, Services and Program Materials for lawful purposes only.

25. COMMUNICATION GUIDELINES
If you have a question or concern about your Programs, Products, Services or Program Materials, you may contact us by email at the address set out in the section headed Contacting Us and we will do our best to reply.
26. PURCHASES AND ONLINE COMMERCE
26.1 Authorization and permission
If paying by PayPal, debit card, or credit card, you give us permission to automatically charge your credit card or debit card as payment for your Programs, Products, Services and Program Materials, without any additional authorization, for which you will receive an electronic receipt. Should you be provided with an invoice, you are required to manually pay it by the date due, or your access will be put on hold and suspended until payment is made.
You agree to only purchase our Programs, Products and Services for yourself or for another person for whom you are legally permitted to do so or from whom you have obtained express consent to provide their name, address, method of payment, credit card number, and billing information.
You agree to be financially responsible for all purchases made by you or someone acting on your behalf. You agree to use our Programs, Products, Services and Program Materials for legitimate purposes only and not for speculative, false, fraudulent, or illegal purposes.
26.2 Late payments
In the event that payment is not received by the date due, you will have a two day grace period to make the payment. If you fail to make the payment within the grace period, we reserve the right to terminate your access to the Programs, Products, Services and Program Materials immediately and permanently.
If you fail to make payment in a timely manner in accordance with these Terms of Use, or if you voluntarily decide to withdraw at any time or for any reason, you will remain fully responsible for the entire cost of the Programs, Products, Services and Program Materials.
We reserve our right to seek payment from you for any delinquent payment by enlisting the help of a collection agency or legal counsel, and we may exercise our right to report your delinquent payment to credit reporting agencies, either directly or through the help of a collection agency.
26.3 Chargebacks
Since we have a clear and explicit refund policy in these Terms of Use that you have agreed to prior to completing your purchase, you agree that any type of chargeback threat, reversal of payment, payment cancellation, actual chargeback or claim from your credit card company, PayPal, financial institution, or any other payment service will constitute a breach of these Terms of Use on your part.
In the event that a chargeback, reversal of payment, or payment cancellation is initiated by you, or we receive a chargeback threat, we reserve the right to report the incident to credit reporting agencies, or any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could have a negative impact on your credit report score. The information reported will include your name, email address, payment date, payment amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.
This section applies in full if you are a Business User. If you are a Consumer, this section does not affect any right you have to dispute a charge under the law of the place where you live or under the rules of your card issuer.
26.4 Sharing information with payment processing companies
All information obtained during your purchase or transaction, including your name, address, method of payment, credit card number, and billing information, may be collected both by us and our payment processing company.
Payment processing companies and merchants may have privacy and data collection practices and policies that are different from ours, and we have no responsibility or liability for those independent policies. When you make certain purchases you may be subject to the additional terms and conditions of the payment processing company or merchant. For more information regarding a merchant and any terms and conditions that may apply, visit that merchant's website or contact the merchant directly.

27. REFUND POLICY
Your satisfaction with your Programs, Products, Services and Program Materials is important to us. Because of the extensive time, effort, preparation, and care that goes into creating and providing them, we have a no refund policy. You acknowledge that we do not offer refunds for any portion of your payment, and that all sales are final upon acceptance of these Terms of Use, that our fee is fully payable at that time, and that no refunds will be provided.
This policy applies in full if you are a Business User. If you are a Consumer, this policy does not affect any cancellation or refund right the law of the place where you live gives you, and where you live in the United Kingdom or the European Union we give you information about your right to cancel at enrolment.
28. EMOTIONAL AND ENERGETIC WORK DISCLAIMER
This section applies to clients in the Amplify Your Higher Mind Program. You understand and accept the risk of side effects associated with the energetic techniques which may be part of your Program, including decoding of dreams and mediumship. Such side effects may include heightened emotional or physical reactions, agitation, body aches and headaches. With full knowledge of the associated risks and without pressure or influence, you consent to participate in the energetic techniques which are part of your Program.
29. DURATION OF SERVICES
All our Programs and Services have a fixed duration. Your time in the program for which you signed up commences on the first day of the month in which you sign up and gain access to the program, regardless of the date on which you first sign up. As an example, if you signed up on 5 March for a program that lasts nine months, your last day of access would be 30 November, nine months after 1 March.
30. TERMINATION
You have the right to terminate your use of or participation in our Programs, Products, Services and Program Materials at any time by contacting us in writing, including by email.
We reserve the right in our sole discretion to refuse or terminate your access to our Programs, Products, Services and Program Materials, in full or in part, at any time, by sending you an email to the address you provided to us during registration or enrolment.
In the event of cancellation or termination by either of us, you will have 24 hours to pay any and all remaining payments or balances that are owed to us.
Upon termination by either of us, we reserve the right to immediately refuse or terminate your access to any aspect of our Programs, Products, Services and Program Materials, including but not limited to our website, private forum, email communications, Facebook groups, Zoom calls, live webinars or conference calls, recordings of any such communications, the Thinking Partner, or any other method of communication related to our Programs, Products, Services and Program Materials, at any time and in our sole discretion.
31. DISPUTE RESOLUTION
This section does not apply to residents of the Province of Quebec.
It is hoped that should we ever have any differences, we will be able to work them out amicably through email correspondence and telephone conference calls. However, should we be unable to reach a resolution within a reasonable time as determined in our sole discretion, you agree that the only method of legal dispute resolution that will be used is binding arbitration before a single arbitrator who practises in the Province of Ontario, selected jointly by us. Before seeking arbitration, you must contact us in writing and include all of your reasons for dissatisfaction. You understand and agree that the only remedy that can be awarded to you through arbitration is a full refund of your payment made to date, and that no other actions or financial awards of consequential damages, punitive or aggravated damages, or any other type of damages may be granted to you. We both agree that the decision of the arbitrator is final and binding and may be entered as a judgment in any court of competent jurisdiction in Ontario.
You also agree that should arbitration take place, it will be held in the City of Toronto in the Province of Ontario, Canada, as this is where our business is located, and that the winning party shall be entitled to all reasonable lawyer's fees and all costs necessary to enforce the decision of the arbitrator.
This section applies in full if you are a Business User. This section does not apply to any claim for death or personal injury, which may be brought in a court of competent jurisdiction, and the limitation on remedies in this section does not apply to such a claim. If you are a Consumer, this section does not apply to you where the law of the place where you live does not permit a consumer to be required to arbitrate a dispute of this kind, including if you live in the United Kingdom or the European Union, and you may bring your claim in a court instead.
In the event of a dispute between us, you agree not to engage in any conduct or communications, whether in public or in private, including but not limited to on social media, either directly or indirectly, designed to disparage us, our company, or any of our Programs, Products, Services or Program Materials. Where required by law or arbitration, you are not prohibited from sharing your thoughts and opinions as part of the legal process.
32. CHANGES TO THESE TERMS AND CONDITIONS
We reserve the right to change these Terms and Conditions at any time by giving you advance notice of the changes by email or in writing. These changes will become effective 30 days after receipt of the notice. For the avoidance of doubt, no unilateral amendment will retroactively change agreed dispute-resolution provisions of these Terms and Conditions, including arbitration provisions for then-pending disputes, unless the parties expressly agree otherwise.
Where a change materially affects the Thinking Partner or the consents you have given in relation to it, we will ask you to accept the new version before you continue to use the Tool, and your continued use of other parts of the Program will not be treated as acceptance of that change.
Your continued use of our Programs, Products, Services and Program Materials after any other change to these Terms and Conditions and our notifying you will constitute your acceptance of that change. If you do not agree with the changes, you can choose to discontinue use.
33. GOVERNING LAW
These Terms of Use and all contracts and agreements between us shall be construed and interpreted according to the laws and regulations of the Province of Ontario and of Canada as applicable.
If you are a Consumer, this choice of law does not take away the protection given to you by the law of the place where you live, and you may bring proceedings in the courts of that place where the law entitles you to do so.
34. SURVIVAL
These Terms of Use, including but not limited to all copyright, trademark, and intellectual property rights, disclaimers, limitations of liability, release of claims, and our refund policy, will survive the termination of our agreement by either you or us.
35. ENTIRE AGREEMENT
These Terms of Use supersede all prior representations, arrangements, negotiations, understandings and agreements between you and us, both written and oral, relating to the Programs, Products, Services and Program Materials which you have purchased from us, and set forth the entire, complete and exclusive agreement and understanding between us. Neither of us has relied on any representation, arrangement, understanding or agreement, whether written or oral, not expressly set out or referred to in these Terms of Use.
36. SEVERABILITY
If any provision in the Agreement is construed by a court of competent jurisdiction to be void or unenforceable for any reason, it shall be deemed to be severed from the Agreement and shall not affect the validity or enforceability of all other provisions, which shall remain in full force.
37. TIME
Time shall be of the essence in all respects of the Agreement.
38. CONTACTING US
Whenever a provision in these Terms of Use states that you are to contact us in writing, please send an email to hina@hinakhan.ca.
For matters relating to the Thinking Partner, including requests for human review, requests for a copy, correction or deletion of your information, or withdrawal of consent, please email clients@hinakhan.ca.
If you have any questions about any provisions in these Terms of Use, please contact us.

Hina Khan Worldwide Inc. Programs

PRIVACY POLICY

Effective September 1, 2026
1. ABOUT THIS POLICY
Your privacy matters to us. This Policy explains what personal information we collect, why we collect it, who we share it with, where it is held, how long we keep it, and the choices and rights you have.
This Policy applies to your use of our Website, our Programs, Products, Services and Program Materials, and the Thinking Partner. It is incorporated into, and forms part of, our Terms and Conditions.
Hina Khan Worldwide Inc. is responsible for the personal information described in this Policy. We are located in Ontario, Canada. If you are in the United Kingdom or the European Union, we are the controller of your personal information.
Contact details, including how to make a complaint, are in section 16.
2. WORDS WE USE
"Company" "we" or "us" means Hina Khan Worldwide Inc. doing business as Hina Khan Coaching.
"Client" or "you" means any purchaser, client or user of our Programs, Products, Services and Program Materials.
"Personal information" means information that identifies, or can be used to identify, an individual. It includes your name, contact details, payment information, photographs, recordings of your voice, and the content of what you write or say to us. It does not include information that has been properly anonymised so that you can no longer be identified from it.
"Thinking Partner" or the "Tool" means the artificial intelligence tool described in our Terms and Conditions.
"Website" means the platform we offer at hinakhan.ca and the member portal.
3. INFORMATION WE COLLECT
3.1 Information you give us
(a) Contact and account information, including your first and last name, email address, postal address and telephone number.
(b) Billing information, including your payment card number, expiry date and security code, collected by our payment processor for the purpose of taking payment. We do not store full payment card numbers on our own systems.
(c) Enrolment information, including whether you are enrolling as an individual or through a business.
(d) Correspondence, including emails, support requests and messages you send us.
(e) Content you submit, including comments, posts, photographs and documents you upload to the member portal.
3.2 Information from your use of the Thinking Partner
(a) The full content of your conversations with the Tool, including everything you type into it.
(b) Identity and profile documents you create or upload for the Tool to work from.
(c) Summaries and notes the Tool generates from your conversations, and records of the sessions themselves.
(d) Where our systems identify a message suggesting a risk of harm to you or another person, a record of that message and of what we did about it.
(e) You choose what to tell the Tool. It does not require you to share anything about your health, your relationships or your family, and section 5 explains how we treat that information if you do.
3.3 Recordings of group calls
(a) We record group calls. Those recordings contain participants' voices, first names and whatever participants choose to say.
(b) Recordings are made available to members as Program Materials, and the Thinking Partner may identify a recording by its date and subject and link you to it.
(c) Recordings are processed by our service providers in order to make them searchable. Section 8 lists those providers.
3.4 Information collected automatically
(a) Internet Protocol addresses for signed-in users and for users leaving comments.
(b) Technical information of the kind web browsers and servers make available, including browser type, language preference, referring site, and the date and time of each request.
(c) Records of your acceptance of our Terms and Conditions and of the consents you give at enrolment, including the date, time, IP address and version accepted.
4. WHY WE USE YOUR INFORMATION
If you are in the United Kingdom or the European Union, the third column sets out the legal basis on which we rely.
Purpose Information used Legal basis (UK and EU)
To provide the Programs, Products and Services you have enrolled in, including the Thinking Partner Contact, account, enrolment, conversation content, recordings Performance of a contract
To take payment and prevent fraud Billing and order information Performance of a contract; legal obligation
To respond to your questions and provide support Correspondence, technical information Performance of a contract; legitimate interests in supporting our clients
To identify messages suggesting a risk of harm and to respond to them Conversation content, contact details Explicit consent; and where necessary, protection of vital interests
To send you newsletters and marketing Contact information Consent, which you may withdraw at any time
To operate, secure and improve the Website and the Tool Technical information, usage records Legitimate interests in running and securing our business
To keep records we are required to keep and to establish or defend legal claims Account, billing, escalation records Legal obligation; legitimate interests in protecting our legal position
To keep context between your sessions and to give Hina Khan summaries drawn from your use of the Tool, so that her coaching is informed by it Conversation content Performance of a contract
We do not sell your personal information, and we do not use the content of your conversations with the Tool for marketing.
5. SENSITIVE INFORMATION
(a) Information about your health, including your mental health, is sensitive. Under Canadian law it requires your express consent. If you are in the United Kingdom or the European Union it is special category data and we rely on your explicit consent under Article 9(2)(a) of the UK General Data Protection Regulation.
(b) You give that consent separately at enrolment, by ticking the box relating to the Thinking Partner. You are not required to give it, and if you do not, you can take part in the rest of your Program without using the Tool.
(c) You may withdraw that consent at any time by emailing clients@hinakhan.ca. Withdrawing it does not affect anything we did lawfully before you withdrew it. If you withdraw it, your access to the Tool will be closed and the rest of your Program is unaffected.
(d) Where there is an emergency threatening the life, health or security of you or another person, we may use or disclose this information to protect vital interests, whether or not consent has been given.
6. THE THINKING PARTNER
(a) The Thinking Partner generates its responses automatically. No person reviews a response before you receive it, and no person reads your conversations as they happen.
(b) Our systems check what you type in order to identify messages suggesting a risk of harm to you or to another person. This check is automated. Where it identifies such a message, the Tool provides crisis resources and our client care team is notified and contacts you during business hours.
(c) We may suspend your access to the Tool where we consider continued use unsafe. You may ask for a person to review that decision by emailing clients@hinakhan.ca, and a person will review it.
(d) We do not permit our service providers to use the content of your conversations to train their own artificial intelligence models.
(e) The Tool keeps a record of your earlier conversations so that it can respond in context, and produces summaries drawn from your use of it which are provided to Hina Khan to inform her coaching. We do not use the content of your conversations to make decisions about your enrolment, and we do not use them for any purpose other than those set out in section 4.
7. COOKIES AND ADVERTISING
(a) A cookie is a small file a website stores on your device. We use cookies to keep you signed in, to remember your preferences, and to understand how the Website is used.
(b) Cookies which are necessary for the Website to work are always used. Cookies used for analytics and advertising are used only where you agree to them through the banner shown when you first visit, and you can change your choice at any time through the link in the footer.
(c) Advertisements on our Website may be delivered by advertising partners who set their own cookies. This Policy covers our use of cookies and not theirs. You can opt out of targeted advertising through the settings offered by Facebook, Google, Bing, Pinterest and Instagram, and through the Digital Advertising Alliance at optout.aboutads.info.
(d) Articles on the Website may include embedded content from other websites, which behaves as though you had visited that website and may collect information about you.
8. WHO WE SHARE YOUR INFORMATION WITH
8.1 Service providers
We use service providers to run our business and the Tool. They process your information on our instructions and for no other purpose, under written contracts which require them to keep it confidential and secure. They are:
Provider What it handles Where
Anthropic The artificial intelligence model behind the Tool. Receives your conversation content and profile documents in order to generate responses and identify risk United States
Voyage AI Makes the Program Materials and recordings searchable, and processes search text derived from your messages United States
Supabase Our database and sign-in. Holds your account, documents, conversations and records United States
Render Hosts the application. Your traffic passes through it and it does not store your information United States
Resend Sends our transactional emails, such as confirmations and reminders United States
Kajabi Hosts our Website and member portal United States
ThriveCart Our checkout. Takes your order and billing details when you enrol United States
Stripe Processes your card payment. Holds your payment card details United States
We update this list when our providers change. The current list is always the one published here.
8.2 Legal obligations and emergencies
(a) We disclose personal information where we are required to do so by law, by subpoena, by court order or by other lawful process.
(b) Where we receive information giving reasonable grounds to suspect that a child is or may be in need of protection, we are required by law to report it to the appropriate authority, and we will do so.
(c) Where there is an emergency threatening the life, health or security of you or another person, we may disclose what is necessary to a person who needs it in order to respond, including emergency services or police.
(d) Where we make a disclosure under paragraph (c), we will tell you in writing that we have done so, unless the disclosure concerns a child protection report, in which case we act on the direction of the authority.
(e) We may disclose information where we believe in good faith that it is reasonably necessary to protect our property or rights, third parties, or the public.
8.3 Business transactions
We may share information in connection with, or during negotiations of, any proposed or actual merger, purchase, sale, or other acquisition of all or part of our business or assets. Any recipient would be bound to handle your information in accordance with this Policy.
8.4 What we do not do
We do not sell or rent your personal information. We do not share the content of your conversations with the Tool with other members, and the Tool does not repeat to one member anything another member has said.
9. WHERE YOUR INFORMATION IS HELD
(a) We are based in Canada. Our service providers are located in the United States, and your personal information is stored and processed there.
(b) This means your information is subject to the laws of those countries, and may be accessible to courts, law enforcement and national security authorities there under their laws.
(c) The providers of the artificial intelligence models behind the Tool retain conversation content for up to 30 days for operational and security purposes. They do not use that content to train their models, and they delete it at the end of that period.
(d) Where we transfer personal information out of the United Kingdom or the European Economic Area, we do so under the safeguards the law requires, being the International Data Transfer Agreement or the Addendum to the European Commission's standard contractual clauses. You may request a copy of the safeguards we rely on by emailing clients@hinakhan.ca.
10. HOW LONG WE KEEP YOUR INFORMATION
We keep personal information only for as long as we need it for the purposes set out in this Policy, or for as long as the law requires.
Information How long we keep it
Account and contact information For as long as you are enrolled, and for seven years afterwards
Billing and order records Seven years, as required for tax purposes
Conversations with the Thinking Partner, and documents you create for it Three years after your enrolment ends
Records of messages identified as suggesting a risk of harm The session record for three years; the record of what we did for fifteen years
Recordings of group calls For as long as we operate the Program they form part of
Records of your acceptance of our Terms and of the consents you gave Fifteen years
Marketing contact information Until you unsubscribe, and for two years afterwards to record that you did
Where a claim, complaint or investigation is threatened or under way, we keep the information relevant to it until the matter is concluded.
11. YOUR RIGHTS
11.1 Rights everyone has
(a) You may ask us for a copy of the personal information we hold about you.
(b) You may ask us to correct information that is wrong or incomplete.
(c) You may ask us to delete information we no longer need.
(d) You may withdraw a consent you have given, including the consent relating to the Thinking Partner and consent to marketing.
(e) You may ask us questions about how we handle your information and complain if you are not satisfied.
11.2 Additional rights in the United Kingdom and the European Union
(a) You may ask us to restrict how we use your information, or object to our using it where we rely on legitimate interests.
(b) You may ask us to provide information you gave us in a portable electronic format, or to send it to another organisation.
(c) You may ask for a person to review any decision made about you by automated means.
(d) You may complain to the Information Commissioner's Office at ico.org.uk.
11.3 How to exercise your rights
(a) Email clients@hinakhan.ca. We may need to confirm your identity before we act on a request.
(b) We respond within 30 days. If a request is complex we may take longer, and we will tell you why within the 30 days.
(c) There is no charge, unless a request is clearly unfounded or repetitive.
(d) There are some things we cannot delete, including records we are required by law to keep and records we need in order to establish or defend a legal claim. We will tell you if that applies.
12. PROTECTING YOUR INFORMATION
(a) We maintain administrative, physical and technical safeguards designed to protect your information from loss, theft, misuse and unauthorised access, disclosure, alteration and destruction.
(b) Access to the content of conversations with the Tool, and to records of messages identified as suggesting a risk of harm, is limited to the people who need it, and is logged.
(c) No method of transmission or storage is completely secure. While we take the protection of your information seriously, we cannot guarantee absolute security.
13. IF SOMETHING GOES WRONG
(a) If a breach of security affects your personal information and creates a real risk of significant harm to you, we will notify you and the Privacy Commissioner of Canada as soon as feasible, and we will keep a record of the breach.
(b) If you are in the United Kingdom and a breach is likely to result in a high risk to your rights and freedoms, we will notify you, and we will report the breach to the Information Commissioner's Office within 72 hours where the law requires.
14. CHILDREN
Our Programs, Products, Services and the Thinking Partner are for people aged 18 and over. We do not knowingly collect personal information from anyone under 18. If you believe we have, please contact us and we will delete it.
15. CHANGES TO THIS POLICY
(a) We may change this Policy from time to time. The version in force is always the one published on our Website, with its version number and effective date.
(b) Where a change materially affects how we handle your information, we will tell you by email before it takes effect.
(c) Where a change affects a consent you have given, we will ask you to give that consent again. Continuing to use our Programs is not agreement to a change of that kind.
16. CONTACTING US
(a) For questions about this Policy, or to exercise any of your rights, email clients@hinakhan.ca.
(b) For any other matter, email hina@hinakhan.ca.
(c) If you are not satisfied with our response, you may complain to the Office of the Privacy Commissioner of Canada at priv.gc.ca. If you are in the United Kingdom you may complain to the Information Commissioner's Office at ico.org.uk.
(d) Hina Khan Worldwide Inc. is the controller of your personal information and is located at 455 Danforth Avenue, Suite 352, Toronto, Ontario M4K 1P1, Canada. You may address any privacy request or complaint to us at the email addresses above, wherever you are located.