These terms govern your use of this website and any coaching, workshop, course or programme you buy from me. Please read section 13 in particular — it explains what coaching is and, just as importantly, what it is not.
1. Who you are contracting with
Margaret (“Mags”) Treanor, sole proprietor
Bruchstrasse 54, 6003 Luzern, Switzerland
Email: info@magstreanor.com
In these terms, “I”, “me” and “my” mean Margaret Treanor; “you” means the person using the website or buying a service.
Part A — Using this website
2. The content here is general information
Articles, workshops, podcasts, downloads and other material on this site are published for general information and personal development. They are not tailored to your circumstances and are not professional advice of any kind. Do not treat them as a substitute for advice from a qualified professional who knows your situation.
3. Intellectual property
All text, images, workbooks, slides, exercises, frameworks, recordings and other material on this site and inside my programmes are my property or used with permission, and are protected by copyright.
You may read, download and print material for your own personal, non-commercial use. You may not republish it, sell it, share programme materials with people who have not paid for the programme, or use it to deliver training or coaching of your own, without my written permission.
4. Acceptable use
Please do not attempt to disrupt the site, gain unauthorised access to it, scrape it at scale, or use it to send unlawful, abusive or misleading content.
5. Links to other sites
Where I link to another website, I do so because I think it may be useful. I do not control those sites and I am not responsible for their content, their accuracy, or how they handle your data.
6. Availability
I aim to keep the site available, but I do not promise it will be uninterrupted or error-free, and I may change or withdraw content at any time.
Part B — Coaching, workshops and programmes
7. What you are buying
Each service is described on its own page: what it includes, how long it lasts, how it is delivered, and how much it costs. That description forms part of our contract. Online programmes and community access are delivered digitally; coaching sessions take place online or in person as agreed.
8. How a contract is formed
Your booking or purchase is an offer. A contract comes into existence when I confirm it by email. If I cannot accept a booking — for example a cohort is full, or I judge that the programme is not right for you — I will tell you and refund anything you have paid, in full.
9. Prices, VAT and payment
Prices are shown on the relevant page in the currency stated. Payment is due as set out at checkout or on the invoice. Card payments are handled by Stripe Payments Europe, Ltd.; I do not see or store your card details. Where a programme is paid in instalments, access depends on instalments being paid on time.
VAT: I am below the Swiss VAT registration threshold of CHF 100,000 in annual turnover, so no Swiss VAT is charged and no VAT is shown on invoices. If that changes, prices and invoices will be updated and you will be told before you buy.
Bank charges and currency conversion costs imposed by your own bank are yours to bear.
10. Cancellation and refunds
My policy, wherever you live: you may cancel within 14 days of purchase and receive a full refund, provided the programme has not yet started and you have not downloaded a substantial part of the digital materials. Just email me. You do not need to give a reason.
I offer this voluntarily, and deliberately, because the legal position differs depending on where you live and I would rather everyone were treated the same:
- If you are in Switzerland: Swiss law gives no general right of withdrawal for contracts concluded online. The statutory 14-day right in Art. 40a ff. of the Swiss Code of Obligations covers doorstep and telephone sales, not purchases you make yourself over the internet. My 14-day policy above is therefore a contractual promise from me, not a statutory right.
- If you are in the EU (including Ireland and Germany): you have a statutory 14-day right of withdrawal for distance contracts. Where you ask for a service to begin during that period, you may be charged proportionately for what has already been delivered; where digital content is supplied immediately with your express consent, the right can lapse. Nothing in these terms reduces those rights.
10.1 After a programme has started
Once a cohort or programme has begun, fees are non-refundable, because a place has been reserved for you and the group has been formed around it. If you cannot continue for serious personal reasons — illness, bereavement, redundancy — contact me. I will normally offer a place in the next cohort instead. I would rather find a solution than hold you to a rule.
10.2 Individual sessions
Please give at least 48 hours’ notice to reschedule a one-to-one session. Sessions cancelled with less notice, or missed, are treated as delivered.
10.3 If I have to cancel
If I cancel a session, I will reschedule it. If I cancel a programme outright, you receive a full refund of the unused portion.
11. Group programmes
- Confidentiality within the group. What participants share stays in the group. Do not repeat it outside, and do not share other participants’ contact details or contributions.
- Recordings. Cohort sessions are not recorded. What is said in the room stays in the room, and nothing is kept afterwards. You may not record sessions yourself either. If I ever want to record something — a taught segment, say — I will ask everyone first and no one will be under pressure to agree.
- Conduct. These groups work because people are candid. I may remove anyone whose behaviour makes that impossible — harassment, discrimination, disclosure of others’ confidences, or persistent disruption — without refund.
- Your place is personal to you and cannot be transferred without my agreement.
12. Community access
Where a programme includes membership of an online community, access lasts for the period stated at purchase. I may suspend or end access for breach of these terms. I may also change the platform the community runs on, giving reasonable notice.
13. What coaching is, and what it is not
Coaching is not therapy, medicine, financial advice or legal advice. Please read this section carefully.
13.1 Not psychotherapy or psychological treatment
I am a coach. I am not a psychologist or psychotherapist, and I do not hold the protected professional titles regulated by the Swiss Psychology Professions Act (PsyG). Coaching is not psychotherapy, psychological counselling, or treatment for any mental health condition, and it is not a substitute for them.
If you are receiving psychological or psychiatric care, please tell me at the outset so we can agree whether coaching is appropriate alongside it.
13.2 Not medical advice
Nothing I provide is medical advice, diagnosis or treatment. Consult your doctor about any health matter, and never delay or disregard medical advice because of something discussed in coaching or published on this site.
13.3 Not financial, pension or tax advice
My work touches on retirement, work and money as life questions. It is not financial, investment, pension or tax advice, and I am not authorised to give it. I do not advise on AHV/AVS, occupational pensions (BVG), pillar 3a, pension fund withdrawals, investments or tax planning. For any of that, consult a licensed financial adviser, your pension fund, or a tax professional. Decisions about your money are yours alone.
13.4 Not legal or employment advice
I do not give legal advice, including on employment contracts, termination, redundancy terms, discrimination claims or unemployment benefits. Consult a lawyer, your union, or the relevant authority.
13.5 No guarantee of outcomes
I do not promise, and cannot promise, that you will find work, secure interviews, be promoted, increase your income, or reach any particular outcome. I am not a recruitment agency or placement service. What you get out of coaching depends substantially on what you put in, and on circumstances neither of us controls. Where past clients describe their results, those are individual experiences, not typical outcomes and not a forecast of yours.
14. Your responsibilities
You remain responsible for your own decisions and actions, in coaching and after it. You agree to give me accurate information, to raise concerns as they arise, and to tell me about anything — a health condition, a course of treatment, a legal process — that might affect whether coaching is suitable for you.
15. If you are struggling
Career loss, retirement and midlife transitions can be genuinely hard, and coaching is not the right support for a crisis. If you are in distress or thinking about harming yourself, please contact one of these now:
| Switzerland | Die Dargebotene Hand / La Main Tendue — 143 (free, 24/7) |
|---|---|
| Ireland | Samaritans — 116 123 (free, 24/7) |
| Germany | Telefonseelsorge — 0800 111 0 111 (free, 24/7) |
| Emergency | 112 anywhere in Europe; 144 for an ambulance in Switzerland |
16. Confidentiality, and its limits
What you tell me in coaching is confidential. I will not discuss it or share your identity as a client without your agreement.
You should know that coaching does not carry legal professional privilege in Switzerland, unlike the confidentiality of doctors or lawyers under Art. 321 of the Swiss Criminal Code. I may have to break confidence where I believe there is a serious and imminent risk to your life or someone else’s, or where a court or the law requires disclosure. If that ever arises, I will tell you unless I am prevented from doing so.
17. Liability
I am liable for damage I cause by intent or gross negligence, and for death or personal injury caused by my negligence. These cannot be excluded, and Art. 100 of the Swiss Code of Obligations makes any attempt to exclude them void.
Otherwise, and to the extent the law allows, my total liability arising out of our contract is limited to the fees you have paid me for the service concerned. I am not liable for indirect or consequential loss, including lost income, lost profits or lost opportunity.
If you are a consumer, none of this affects your mandatory statutory rights.
18. Data protection
How I handle personal data is set out in my Privacy Policy, which forms part of these terms.
19. Events outside my control
I am not liable for failure to perform caused by events beyond my reasonable control, including illness, bereavement, technical failure of a third-party platform, or public authority measures. I will reschedule, or refund the unused portion.
20. Changes to these terms
I may update these terms. The version in force when you buy is the one that governs your purchase. Changes affecting a programme you are already enrolled in will be notified to you, and if they disadvantage you materially you may withdraw and receive a refund of the unused portion.
21. Governing law and jurisdiction
Swiss law applies, excluding its conflict of law rules and the UN Convention on Contracts for the International Sale of Goods. The ordinary courts of Lucerne, Switzerland have jurisdiction.
If you are a consumer resident in the EU or EEA, this does not deprive you of the protection of mandatory consumer law in your own country, and you keep the right to bring proceedings there under the Lugano Convention.
22. Severability
If any provision of these terms is found invalid, the rest remain in force, and the invalid provision is replaced by one that comes closest to its intended effect.
23. Questions and complaints
If something has gone wrong, tell me first — most things are fixable directly. Email info@magstreanor.com and I will respond within five working days.