NoPanicCoach

NoPanicCoach

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General Terms and Conditions (GTC)

Scope of Application

These General Terms and Conditions (GTC) apply to all contracts between the Institut de Résilience Émotionnelle,

trading under the brand NoPanicCoach, and its customers via the website https://nopaniccoach.com.

They apply to all products and services offered, in particular:

Books

Workbooks

E-books

Digital Downloads

Audio Content

Affirmation Cards

Coaching Services

Online Products

Other Digital Content

Any differing terms and conditions of the customer shall not apply unless their validity

has been expressly agreed to in writing.

Provider

The contracting party is:

Institut de Résilience Émotionnelle
Brand: NoPanicCoach

Owner:

Christiane Sander

35 Rue des Ormes

Saint-Hippolyte

Quebec

Canada

Email:

contact@nopaniccoach.com

Website:

https://nopaniccoach.com

NEQ:

2282339698

Subject Matter of the Contract

The following services are offered via the website:

Physical books

Printed workbooks

E-books

Digital downloads

Audio files

Coaching services

Informational materials

Other digital products

The respective product description on the website is part of the respective offer.

Contract Conclusion

The presentation of products and services on our website does not constitute a legally binding offer,

but rather an invitation to place an order.

By clicking the "Buy Now," "Order with obligation to pay," or a similar button,

you submit a binding offer to

conclude a contract.

The contract is only concluded when we expressly confirm your order or begin processing it.

For digital products, the contract is concluded at the latest upon provision of the download or access.

Prices and Payment Terms

All prices stated on the website are in the currency shown.

Any taxes, shipping costs, or other price components will be shown separately during the ordering process.

The following payment methods may be offered, depending on availability:

Shopify Payments

PayPal

Credit card

Other payment methods offered via Shopify

Payment is due immediately upon conclusion of the contract, unless otherwise agreed.

If the customer fails to meet their payment obligation, we reserve the right to withhold delivery of

products or the provision of digital content until

full payment has been received.

6.Delivery and Shipping

Physical products are shipped to the delivery address provided by the customer after successful receipt of payment.

Delivery times depend on the respective product description and the shipping provider.

Should a product be temporarily unavailable or should delivery be delayed for reasons beyond our control, we will inform you as soon as possible.

The risk of accidental loss or damage to the goods passes to the customer upon delivery to the customer or – to the extent permitted by law – to the shipping provider.

Digital Products and Downloads

Digital products such as e-books, workbooks, audio files, PDFs, or other downloads are provided electronically after successful payment.

The use of digital content is intended solely for personal, private use.

Distribution, reproduction, publication, rental, resale, or making the digital content publicly available is not permitted without the prior written consent of

the Institut de Résilience Émotionnelle.

The client is responsible for ensuring the technical requirements for downloading and using the digital content are met.

Coaching Services

The coaching offered is designed for personal development, knowledge transfer, and individual support.

It does not constitute medical, psychotherapeutic, psychiatric, or other treatment and is not a substitute for a medical diagnosis or therapy.

A specific outcome cannot be guaranteed, as it depends significantly on the client's active participation, individual circumstances, and implementation of the content provided.

Completion of an intake form may be required before the start of coaching.

The provider reserves the right to decline coaching requests if conducting the coaching is deemed irresponsible for professional, organizational, or ethical reasons.

Scheduling and Cancellations

Coaching appointments are scheduled individually.

If you are unable to attend a scheduled appointment, please notify us in writing at least 24 hours in advance.

In case of later cancellations or no-shows, we reserve the right to charge for the appointment in whole or in part, provided that no mandatory legal provisions dictate otherwise.

If an appointment has to be cancelled by the provider, a replacement appointment will be offered as soon as possible. Payments already made for services not rendered will be refunded upon request,

provided no replacement appointment is agreed upon.

Client's Obligations to Cooperate

The success of coaching or the application of our content requires the active participation of the client.

The client agrees to:

provide truthful information,

provide relevant information insofar as it is necessary for the performance of the service,

keep agreed appointments,

ensure the technical requirements for online appointments,

use provided materials exclusively within the scope of the agreed use.

Die Verantwortung für persönliche Entscheidungen sowie deren Umsetzung verbleibt jederzeit bei der Kundin oder beim Kunden.

6.Delivery and Shipping

Physical products are shipped to the delivery address

provided by the customer after successful

receipt of payment.

Delivery times depend on the respective

product description and the shipping provider.

Should a product be temporarily unavailable or

delivery be delayed for reasons beyond our

control, we will inform you as soon as possible.

The risk of accidental loss or accidental

damage to the goods passes to the customer upon

handover to the customer or –

where legally permissible – to the

shipping provider.

Digital Products and Downloads

Digital products such as e-books, workbooks,

audio files, PDFs, or other

downloads are made available electronically after successful

payment.

The use of digital content is exclusively

for personal, private use.

The distribution, reproduction, publication,

rental, resale, or public

distribution of the digital content is not permitted without

the prior written consent

of the Institut de Résilience Émotionnelle.

The client is responsible for ensuring the technical

requirements for downloading and using

the digital content.

Coaching Services

The coaching offered is for personal

development, knowledge transfer, and

individual support.

It does not constitute medical, psychotherapeutic,

psychiatric, or therapeutic treatment and

does not replace

a medical diagnosis or therapy.

A specific outcome cannot be guaranteed,

as it depends significantly on the client's active participation,

individual

situation, and implementation of the content

presented.

Completion of an intake form may be

required before the start of coaching.

The provider reserves the right to decline coaching requests

if conducting the coaching session

appears irresponsible for professional,

organizational, or ethical reasons.

Scheduling and Cancellations

Coaching appointments are scheduled individually.

If you are unable to attend a scheduled appointment,

please notify us in writing at least

24 hours before the scheduled appointment.

For cancellations made later or in the case of no-shows,

we reserve the right to charge for

the appointment in whole or in part,

unless mandatory legal provisions prevent this.

If the provider has to cancel an appointment,

a replacement appointment will be offered as soon as possible.

Payments already made for services not rendered

will be refunded upon request,

unless a replacement appointment is scheduled.
... 10. Client's Obligations

The success of coaching or the application

of our content requires the active participation of the client.

The client agrees to:

provide truthful information,

provide relevant information,

insofar as it is necessary for the performance of the service,

keep agreed-upon appointments,

ensure the technical requirements for online appointments,

use provided materials exclusively

within the scope of the agreed-upon use.

The responsibility for personal decisions and

their implementation remains with the client at all times.

6.Delivery and Shipping

Physical products are shipped to the delivery address provided by the customer after successful receipt of payment.

Delivery times depend on the respective product description and the shipping provider.

Should a product be temporarily unavailable or should delivery be delayed for reasons beyond our control,

we will inform you as soon as possible.

The risk of accidental loss or accidental damage to the goods passes to the customer upon delivery or –

where legally permissible – to the shipping provider.

Digital Products and Downloads

Digital products such as ebooks, workbooks, audio files, PDFs, or other downloads

are made available electronically after successful payment.

The use of digital content is exclusively for personal, private use.

The distribution, reproduction, publication, rental, resale, or public dissemination of the digital content is

not permitted without the prior written consent of the Institut de Résilience Émotionnelle.

The client is responsible for ensuring the technical requirements for downloading and using the digital content.

Coaching Services

The coaching offered is designed for personal development, knowledge transfer, and individual support.

It does not constitute medical, psychotherapeutic, psychiatric, or therapeutic treatment and

does not replace a medical diagnosis or therapy.

A specific outcome cannot be guaranteed, as it depends significantly on the client's active participation,

individual circumstances, and implementation of the content provided.

Completion of an intake form may be required before the start of coaching.

The provider reserves the right to decline coaching requests if conducting the

coaching is deemed irresponsible for professional, organizational, or ethical reasons.

Scheduling and Cancellations

Coaching sessions are scheduled individually.

If you are unable to attend a scheduled appointment,

please notify us in writing at least 24 hours in advance.

For cancellations made later than this or in the case of no-shows, we reserve the right to charge for the session in whole or in part,

unless mandatory legal provisions prevent us from doing so.

If an appointment has to be canceled by the provider, a replacement appointment will be offered as soon as possible.

Payments already made for services not rendered will be refunded upon request,

provided no replacement appointment is scheduled.

Client's Obligations

The success of coaching or the application of our content requires the active participation of the client.

The client agrees to:

provide truthful information,

provide relevant information to the extent necessary for the performance of the service,

keep agreed appointments,

ensure the technical requirements for online appointments,

use provided materials exclusively within the scope of the agreed purpose.

The client retains full responsibility for personal decisions and their implementation at all times..

11.Right of Withdrawal and Returns

Consumers are subject to the applicable statutory rights of withdrawal in their country of residence, insofar as these apply to the respective contract.

For physical products, returns and cancellations can be made in accordance with the statutory provisions and the cancellation policy published on this website.

For digital products, to the extent permitted by law, the right of withdrawal expires upon commencement of the contract if the customer has expressly

consented to the commencement of the contract before the end of the withdrawal period and has acknowledged that they will thereby lose their right of withdrawal.

Complete information on the right of withdrawal can be found in the separate cancellation policy on this website.

Retention of Title

Delivered goods remain the property of the Institut de Résilience Émotionnelle until full payment of all claims arising from the respective contract.

Digital products are provided exclusively as a personal usage license.

The purchase of digital content does not transfer any ownership rights to the content.

All content on this website and all products offered are protected by copyright.

This applies in particular to:

Books

E-books

Workbooks

Digital Downloads

Audio Files

Videos

Graphics

Illustrations

Photographs

Logos

Texts

Coaching Materials

Worksheets

QR Code Content

Designs

NoPanicCoach Trademark Elements

By purchasing a product, the customer receives a simple, non-transferable, and exclusively personal right of use.

The following are specifically prohibited without prior written consent:

Distribution to third parties

Public distribution

Reproduction

Publication

Rental

Sale

Commercial use

Editing

Translation

Digital redistribution

Uploading to internet platforms or social networks

Violations of copyright law may result in civil and criminal penalties.

Warranty and Liability

The statutory warranty rights apply unless otherwise stipulated in these Terms and Conditions.

We are liable for damages only in cases of intent or gross negligence, as well as in cases mandated by law.

In the event of a slightly negligent breach of essential contractual obligations, liability is limited to the foreseeable damages typical for this type of contract.

Liability for indirect damages, consequential damages, lost profits, or other pecuniary losses is excluded to the extent permitted by law.

We assume no responsibility for the content of external websites to which we link.

The use of all information, exercises, recommendations, and content is at your own risk.

Force Majeure

If a contractual obligation cannot be fulfilled, or can only be fulfilled with considerable delay, due to circumstances beyond our control,

the respective performance deadlines shall be extended by the duration of the impediment.

Force majeure includes, in particular:

Natural disasters

Floods

Fires

Power outages

Pandemics

Epidemics

War

Terrorism

Official orders

Strikes

Technical failures beyond our control

Internet outages

Cyberattacks

Other unforeseeable events beyond our control.

If a force majeure event lasts longer than three months, both contracting parties are entitled to withdraw from the contract with respect to the services not yet

fulfilled.

11.Right of Withdrawal and Returns

Consumers are subject to the applicable

statutory rights of withdrawal in their country of residence,

insofar as these apply to the respective contract.

For physical products, returns and cancellations can be made

in accordance with the statutory provisions

and the cancellation policy published on this website.

For digital products, to the extent permitted by law,

the right of withdrawal expires upon commencement of the

performance of the contract,

if the customer has expressly consented

to the commencement of the performance

of the contract before the end of the

withdrawal period and has acknowledged

the loss of their right of withdrawal as a result.

Complete information on withdrawal can be found

in the separate cancellation policy on this website.

Retention of Title

Until full payment of all

claims arising from the respective contract, delivered

goods remain the property of the

Institut de Résilience Émotionnelle.

Digital products are provided exclusively

as a personal use license.

The purchase of digital content does not transfer

any ownership rights to the content.

Copyrights and Usage Rights

All content on this website and

all products offered are protected by copyright.

This applies in particular to:

Books

E-books

Workbooks

Digital downloads

Audio files

Videos

Graphics

Illustrations

Photographs

Logos

Texts

Coaching materials

Worksheets

QR code content

Designs

NoPanicCoach trademark elements

With the purchase of a product, the

customer receives only a simple,

non-transferable, and exclusively

personal right of use.

In particular, the following are prohibited without prior

written consent:

Distribution to third parties

Public distribution

Reproduction

Publication

Rental

Sale

Commercial use

Editing

Translation

Digital redistribution

Uploading to internet platforms or

social networks

Infringements of copyright

may result in civil and criminal penalties.

Warranty and Liability

The statutory warranty rights apply,

unless otherwise stipulated in these Terms and Conditions.

We are liable for damages only in cases of intent

or gross negligence, as well as in cases

mandatory under the law.

In the event of a slightly negligent breach of essential

contractual obligations, liability is limited to the typical,

foreseeable damage.

Liability for indirect damages, consequential damages,

lost profits, or other pecuniary losses is excluded –

to the extent permitted by law.

We assume no responsibility for the content

of external websites to which we link.

The use of all information, exercises,

recommendations, and content is at your own risk.

Force Majeure

If a contractual obligation cannot be fulfilled,

or can only be fulfilled with a significant delay, due to

circumstances of force majeure,

the respective performance deadlines shall be extended

by the duration of the impediment.

Force majeure includes, in particular:

natural disasters

floods

fires

power outages

pandemics

epidemics

war

terrorism

official orders

strikes

technical failures beyond our control

internet outages

cyberattacks

other unforeseeable events

that are beyond our control.

If an event of force majeure lasts longer than three months,

both contracting parties are

entitled to withdraw from the contract

with regard to the services not yet

fulfilled.

11.Right of withdrawal and return

For consumers, the applicable statutory cancellation rights of their country of residence apply,

insofar as these apply to the respective contract.

For physical products, returns and cancellations can be made in accordance with legal regulations

as well as the cancellation policy published on this website.

For digital products, to the extent permitted by law, the right of withdrawal expires at the start of the execution of the contract.

if the customer has expressly agreed,

that the execution of the contract will begin before the end of the cancellation period and has confirmed,

thereby losing his or her right of cancellation.

You can find complete information about cancellation in the separate cancellation policy on this website.

Retention of title

Delivered goods remain until all claims arising from the respective contract have been paid in full

Were the property of the Institut de Résilience Émotionnelle.

Digital Products are provided under a personal use license only.

Purchasing digital content does not transfer ownership rights to the content.

Copyrights and rights of use

All content on this website and all products offered are protected by copyright.

This applies in particular to:

Books

E-books

Workbooks

digital downloads

Audio files

videos

Graphics

Illustrations

Photographs

Logos

Texts

Coaching materials

Worksheets

QR code content

designs

Branded components from NoPanicCoach

When purchasing a product, the customer only receives a simple,

non-transferable and exclusively personal right of use.

In particular, the following are prohibited without prior written consent:

Disclosure to third parties

public distribution

Duplication

Publication

Rental

Sale

commercial use

Editing

Translation

digital distribution

Upload to internet platforms or social networks

Violations of copyright law can result in civil and criminal penalties.

Warranty and Liability

The statutory warranty rights apply unless otherwise stipulated in these General Terms and Conditions.

We are only liable for damages in the event of intent or gross negligence as well as in accordance with the law

mandatory cases.

In the event of a slightly negligent breach of essential contractual obligations, liability is limited to the contract-typical,

foreseeable damage is limited.

Liability for indirect damages, consequential damages, lost profits or other financial losses is –

to the extent permitted by law – excluded.

We assume no responsibility for the content of external websites to which we link.

The use of all information, exercises, recommendations and content is at your own risk.

Force Majeure

A contractual obligation cannot or only cannot be fulfilled due to force majeure circumstances

be fulfilled with considerable delay,

The respective benefit periods are extended by the duration of the disability.

Force majeure includes in particular:

Natural disasters

Floods

Fires

Power outages

Pandemics

Epidemics

war

Terrorism

official orders

strikes

technical failures beyond our control

Internet outages

Cyber attacks

other unforeseeable events that are beyond our control.

If a force majeure event lasts longer than three months, both parties are contractual

entitled to withdraw from the contract regarding the not yet

to withdraw from fulfilled services.

16.Data Protection

The protection of personal data is of utmost importance to the Institut de Résilience Émotionnelle.

Personal data is processed exclusively in accordance with the applicable data protection laws of Canada, the Province of Quebec, and – where applicable –

the General Data Protection Regulation (GDPR) of the European Union.

Details regarding the processing of personal data, your rights, and the technical and organizational measures implemented

can be found in our separate Privacy Policy.

Applicable Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Province of Quebec and applicable Canadian law.

If the customer is a consumer with habitual residence in a member state of the European Union,

mandatory consumer protection provisions of their country of residence remain unaffected.

To the extent permitted by law and where no mandatory jurisdiction is prescribed, the place of jurisdiction for all disputes arising from or in connection with this contractual relationship is

the company's registered office in Quebec, Canada.

Severability Clause

Should any provision of these Terms and Conditions be or become wholly or partially invalid, unenforceable, or ineffective, the validity of the

remaining provisions shall remain unaffected.

In place of the invalid or unenforceable provision, a provision shall be deemed agreed upon which comes as close as legally possible to the economic purpose of the original provision.

The same applies to any gaps in these Terms and Conditions.

Amendments to these Terms and Conditions

We reserve the right to amend or supplement these Terms and Conditions at any time, provided there are objective reasons for doing so, in particular due to:

legal changes,

changes in case law,

technical developments,

expansions of our services,

organizational adjustments, or

changes to our business processes.

For contracts already concluded, the Terms and Conditions valid at the time of conclusion of the contract shall apply, unless otherwise required by law.

The current version of the Terms and Conditions is available on our website at any time.

Final Provisions

These General Terms and Conditions, together with the Privacy Policy, the Cancellation Policy, and any other applicable contractual documents,

form the basis of the contractual relationship between the Institut de Résilience Émotionnelle and its customers.

Should individual provisions be inapplicable due to mandatory legal regulations of the customer's country of residence, the remaining

provisions of these General Terms and Conditions shall remain unaffected.

By using our website and purchasing our products or services, you agree to these General Terms and Conditions.

Date of these General Terms and Conditions:

Date: July 2026

Institut de Résilience Émotionnelle
Brand: NoPanicCoach

35 Rue des Ormes
Saint-Hippolyte, Quebec
Canada

Email: contact@nopaniccoach.com

Website: https://nopaniccoach.com

16.Data Protection

The protection of personal data is important for this

Institut de Résilience Émotionnelle top priority.

Personal data is only stored in

Consistent with applicable Canadian privacy laws,

the Province of Québec and – where applicable –

the General Data Protection Regulation (GDPR).

European Union processed.

Details on the processing of personal data,

about your rights and the technical information used

and organizational measures

can be found in our separate data protection declaration.

Applicable Law and Place of Jurisdiction

These Terms and Conditions

are subject to the laws of the Province of Quebec as well

the applicable law of Canada.

Is it the customer?

about a consumer

with habitual residence

in a member state of the European Union,

mandatory consumer protection regulations remain

of the respective country of residence is unaffected.

As permitted by law and not mandatory

If the place of jurisdiction is prescribed,

the place of jurisdiction is the place of jurisdiction

for all disputes

from or in connection with this contractual relationship

the company's headquarters are in Quebec, Canada.

Severability clause

Should a provision of this General

Terms and Conditions in whole or in part

ineffective, impracticable or

be or become unenforceable,

the effectiveness remains de

The remaining provisions are unaffected by this.

Instead of the ineffective or impractical ones

Provision is deemed to have been agreed upon,

which corresponds to the

economic

Purpose of the original provision legally

comes as close as possible.

The same applies to any loopholes in the regulations.

Changes to these Terms and Conditions

We reserve the right to change these

general terms and conditions

To change or supplement the terms

and conditions at any time,

provided there are objective reasons for this,

in particular due to:

legal changes,

changes in case law,

technical developments,

Expansion of our offer,

organizational adjustments or

Changes to our business processes.

For contracts that have already been concluded,

the following apply

Time of conclusion of the contract

valid general terms and conditions, provided

nothing else is required by law.

The current version of the

General terms and conditions are available at any time

available on our website.

Final provisions

These General Terms and Conditions constitute

together with the data protection declaration,

the cancellation policy and, if applicable

further contract documents

the basis of the contractual relationship between

the Institut de Résilience Émotionnelle

and its customers.

Should individual regulations arise due to

mandatory legal regulations of the country of residence

not applicable to the customer,

the rest remain

Provisions of these general terms and conditions

Terms and conditions are unaffected by this.

By using our website and the

Purchasing our products or

You agree to these services

Agree to general terms and conditions.

Status of the General Terms and Conditions

As of: July 2026

Institut de Résilience Émotionnelle
Brand: NoPanicCoach

35 Rue des Ormes
Saint-Hippolyte, Quebec
Canada

Email: contact@nopanicoach.com

Website: https://nopanicoach.com

16.Data Protection

The protection of personal data is of utmost importance to the Institut de Résilience Émotionnelle.

Personal data is processed exclusively in accordance with the applicable data protection laws of Canada,

the Province of Quebec, and – where applicable –

the General Data Protection Regulation (GDPR) of the European Union.

Details regarding the processing of personal data, your rights, and the technical

and organizational measures implemented can be found in our separate Privacy Policy.

Applicable Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Province of Quebec and applicable Canadian law.

If the customer is a consumer with habitual residence

in a member state of the European Union,

mandatory consumer protection provisions of their country of residence remain unaffected.

To the extent permitted by law and provided no mandatory jurisdiction is prescribed, the place of jurisdiction for all disputes

arising from or in connection with this contractual relationship

is the company's registered office in Quebec, Canada.

Severability Clause

Should any provision of these Terms and Conditions be or become wholly or partially invalid,

unenforceable, or ineffective, the validity of the remaining provisions shall remain unaffected.

In place of the invalid or unenforceable provision,

a provision shall be deemed agreed upon which comes as close as legally possible to the economic

purpose of the original provision.

The same applies to any gaps in these Terms and Conditions.

Changes to these Terms and Conditions

We reserve the right to amend or supplement these Terms and Conditions at any time,

provided there are objective reasons for doing so, in particular due to:

legal changes,

changes in case law,

technical developments,

expansions of our services,

organizational adjustments, or

changes to our business processes.

For contracts already concluded, the Terms and Conditions valid at the time of conclusion of the contract

apply, unless otherwise stipulated by law.

The current version of the Terms and Conditions is always available on our website.

Final Provisions

These Terms and Conditions, together with the Privacy Policy,

the Cancellation Policy, and any other contractual documents,

form the basis of the contractual relationship between the Institut de Résilience Émotionnelle

and its customers.

Should individual provisions be inapplicable due to mandatory legal regulations of the customer's country of residence,

the remaining provisions of these Terms and Conditions shall remain unaffected.

By using our website and purchasing our products or

services, you agree to these Terms and Conditions.

Date of these Terms and Conditions:

Date: July 2026

Institut de Résilience Émotionnelle
Brand: NoPanicCoach

35 Rue des Ormes
Saint-Hippolyte, Québec
Canada

Email: contact@nopaniccoach.com

Website: https://nopaniccoach.com