Terms of Service

Welcome to hanker.life. These Terms of Service ("Terms") govern your use of this website and services. By accessing or using hanker.life, you agree to be bound by these Terms. If you don't agree, please don't use the site.

1. The Basics

hanker.life (operated by Mikolaj Tarwid, trading as hanker.life) provides free resources, challenges, frameworks, and paid services designed to help you live more intentionally. This is educational content for personal development, not professional advice.

2. Acceptance of Terms

By using this website, you acknowledge that:

• You have read and understood these Terms
• You agree to be legally bound by these Terms
• You are at least 16 years old
• You have the authority to enter into this agreement

3. Services Offered

3.1 Free Services

• Newsletter and email challenges
• Free resources, frameworks, and guides
• Website content and blog articles
• Community discussions on social media

3.2 Paid Services

• Breakthrough Sessions (90-minute coaching calls)
• Future products (workbooks, courses, programs as developed)

Specific terms for paid services will be clearly stated at the time of purchase.

4. User Responsibilities

4.1 What You Can Do

• Use all free resources for your personal growth
• Share your experiences and insights from the content (with attribution)
• Subscribe to challenges and newsletters
• Reach out with questions or feedback
• Share links to hanker.life content on social media

4.2 What You Cannot Do

• Reproduce, distribute, or sell our content without written permission
• Create derivative works for commercial purposes without authorization
• Spam, harass, or harm other users
• Scrape, collect, or mine data from the site without permission
• Impersonate hanker.life or claim our work as your own
• Use the site for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Transmit viruses, malware, or any harmful code
• Interfere with or disrupt the website's operation

5. Intellectual Property Rights

All content on hanker.life (including text, images, frameworks, designs, logos, and code) is owned by Mikolaj Tarwid or licensed appropriately, and is protected by UK and international copyright laws.

5.1 Your License to Use Content

We grant you a limited, non-exclusive, non-transferable license to:

• View and download content for personal, non-commercial use
• Share content with proper attribution and links back to hanker.life
• Reference frameworks and ideas in your own work (with credit)

5.2 Restrictions

You may not:

• Sell, sublicense, or redistribute our content
• Modify, adapt, or create derivatives for commercial purposes
• Remove copyright notices or attribution
• Use content in ways that suggest endorsement without permission

If you want to use content in ways not covered here, contact us at mick@hanker.life. We're reasonable and usually happy to grant permission with proper attribution.

6. Disclaimers

6.1 Not Professional Advice

IMPORTANT: The content on hanker.life is for educational and informational purposes only. It is NOT:

• Medical advice or treatment
• Mental health counselling or therapy
• Financial, investment, or tax advice
• Legal advice
• Clinical treatment or diagnosis
• A substitute for professional services

If you need professional help, please consult qualified professionals. If you are in crisis, contact emergency services or a crisis helpline immediately.

6.2 No Guarantees

We make no guarantees or warranties about:

• Specific outcomes or results from using our content
• The suitability of our frameworks for your specific situation
• The timeliness, accuracy, or completeness of information
• Uninterrupted or error-free access to the website

6.3 Individual Results Vary

Personal development is individual. Your results will depend on many factors including your circumstances, commitment, and actions. We cannot predict or guarantee your specific outcomes.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

hanker.life, Mikolaj Tarwid, and any affiliates are not liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Personal injury or property damage
• Emotional distress or psychological harm
• Decisions or actions taken based on our content
• Third-party services, links, or content
• Errors, omissions, or inaccuracies in content
• Technical issues or website downtime

Our maximum liability for any claim shall not exceed the amount you paid us in the 12 months prior to the claim. For free services, our liability is limited to £100.

8. Indemnification

You agree to indemnify, defend, and hold harmless hanker.life, Mikolaj Tarwid, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the website
• Your violation of these Terms
• Your violation of any third-party rights
• Your content or activities on the site

9. Third-Party Services

We use third-party services including ConvertKit, Calendly, payment processors, and others. When you interact with these services through our site:

• Their terms and privacy policies apply
• We are not responsible for their actions, security, or reliability
• We do not endorse or guarantee their services

Links to third-party websites are provided for convenience. We are not responsible for external content or practices.

10. Paid Services & Refunds

10.1 Breakthrough Sessions

• Currently priced at £75 (beta pricing)
• Payment required at booking
• Refund Policy: Full refund if cancelled 48+ hours before session. No refund for cancellations within 48 hours or no-shows.
• Rescheduling: Free rescheduling if requested 24+ hours before session

10.2 Future Products

Terms for future digital products (workbooks, courses) will be clearly stated at time of purchase. Refund policies will be specified per product.

10.3 No Refunds for Free Content

Free resources are provided as-is. No refunds apply.

11. User Conduct & Content

If you submit content (comments, emails, messages):

• You grant us a non-exclusive license to use it (for testimonials, case studies, etc., with permission)
• You represent that you own or have rights to the content
• We may moderate, edit, or remove content at our discretion
• You remain responsible for your content

12. Account Termination

We reserve the right to:

• Suspend or terminate your access for violating these Terms
• Refuse service to anyone for any lawful reason
• Remove content that violates our policies
• Report illegal activity to authorities

We'll try to be reasonable but reserve final discretion.

13. Changes to Content & Services

We may:

• Update, modify, or remove content at any time
• Change pricing for paid services (existing purchases honored)
• Discontinue services with reasonable notice
• Add new features or offerings

This is a growing project. Things evolve.

14. Changes to These Terms

We may update these Terms from time to time. Changes will be posted here with an updated date. Material changes will be communicated via email to subscribers. Continued use after changes constitutes acceptance of the updated Terms.

15. Governing Law & Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and hanker.life regarding use of the site and services, superseding any prior agreements.

18. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights or provisions.

19. Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, pandemics, technical failures, or government actions.

20. Contact Information

Questions about these Terms?

• Email: mick@hanker.life
• X (Twitter): @HankerLife

The Real Talk

These terms exist because they have to. But here's the actual spirit of hanker.life:

Use the resources. Share what helps. Give credit where it's due. Take responsibility for your own journey. Ask questions when things are unclear.

That's it. Don't be a jerk, and we'll get along fine.

This document is written in plain English because legal language makes everyone miserable. If something's confusing, reach out.