Last updated: 8 October 2025
The simple version: By using hanker.life or booking a session, you agree to these terms. Show up on time, be honest, do the work. I'll show up prepared and give you my full attention. Cancel or reschedule with 24+ hours notice and you get a full refund. Less than 24 hours? No refund - your time was already reserved. No guarantees about results - transformation requires your effort, not just my guidance.
1. Agreement to Terms
By accessing hanker.life, signing up for the 7-Day Challenge, subscribing to the newsletter, or booking a breakthrough session, you agree to these Terms of Service and our Privacy Policy.
If you don't agree, please don't use our services.
2. Services Provided
Free Services:
- 7-Day Breakthrough Challenge - Email-based challenge with daily prompts and exercises
- Newsletter - Weekly insights on intentional living
- Free Resources - 6-Month Loop Audit and Breakthrough Framework (downloadable PDFs, when available)
Paid Services:
- 90-Minute Breakthrough Session - One-to-one coaching session via video call
- Beta pricing: £75 (subject to change with notice)
3. Free Resources Disclaimer
6-Month Loop Audit & Breakthrough Framework: These downloadable resources are provided free of charge "as is" for educational purposes. While I've made every effort to ensure accuracy and quality:
- I cannot guarantee these files are completely error-free or virus-free
- You download and use them at your own risk
- No personal information or email is required to access these free resources
- You're free to use them for personal development, but not for commercial redistribution
4. What's Included in Breakthrough Sessions
When you book a 90-minute breakthrough session, you receive:
- 90 minutes of focused, one-to-one time via Zoom
- Pre-session questions to clarify your goals
- Structured breakthrough framework and honest conversation
- 30-day action plan tailored to your situation
- Email follow-up with session notes and next steps
5. What's NOT Included
Important: Breakthrough sessions are coaching and mentoring, NOT therapy or medical treatment.
These sessions are not:
- Psychotherapy, counselling, or mental health treatment
- Medical, legal, or financial advice
- A substitute for professional mental health services
- Guaranteed to produce specific results
- Ongoing support (unless additional sessions are booked)
If you're experiencing mental health difficulties, suicidal thoughts, or crisis: Please contact a qualified mental health professional immediately. UK resources: Samaritans (116 123), NHS 111, or your GP.
6. Booking and Payment
- Sessions are booked via Calendly at calendly.com/mick-hanker/90-minutes-breakthrough-meeting
- Payment is processed securely through Calendly/Stripe
- Payment is required at time of booking
- Prices are in British Pounds (GBP)
- We do not store your payment card details
7. Cancellation and Rescheduling Policy
Cancellations & Rescheduling:
- Reschedule anytime up to 24 hours before your session - No charge, no questions asked
- Cancel with 24+ hours notice? You'll receive a full refund, no questions asked
- Cancellations made less than 24 hours before the session - Non-refundable (your time has already been reserved)
- No-shows - Non-refundable. If you don't show up and don't cancel, you forfeit the session fee
Life happens. I get it. Just give me a day's notice and we're good.
My Cancellations:
If I need to cancel or reschedule:
- You'll receive at least 24 hours' notice
- Full refund offered, or priority rescheduling
- In case of emergency with less notice, full refund automatically processed
How to Cancel or Reschedule:
Use the cancellation/rescheduling link in your Calendly confirmation email, or email support@hanker.life.
8. Refund Policy
- 24+ hours notice: Full refund, processed within 7-14 business days
- Less than 24 hours notice: No refund (time already reserved)
- No-shows: No refund
- Refunds processed to original payment method
- Processing fees (if any) are non-refundable
- Refunds only available for paid sessions, not free content
- Dispute resolution: Contact support@hanker.life first
9. Your Responsibilities
When you book a session, you agree to:
- Be on time - Session starts at scheduled time whether you're there or not
- Be prepared - Complete pre-session questions honestly
- Be honest - Share what's actually going on, not what sounds good
- Take responsibility - You own your outcomes, not me
- Do the work - Follow through on action plans between sessions
- Have working tech - Stable internet, functioning camera/mic for Zoom
- Be in private space - Somewhere you can speak openly
10. My Responsibilities
What you can expect from me:
- Show up on time, fully present and prepared
- Give you honest, direct feedback (even when uncomfortable)
- Maintain confidentiality of our conversations
- Provide structured framework and actionable insights
- Follow up with session notes and action plan
11. Confidentiality
What you share in sessions stays confidential, except:
- If you give explicit permission to share
- If required by law
- If there's serious risk of harm to you or others
- Anonymised insights used to improve services (no identifying information)
12. Limitation of Liability
To the fullest extent permitted by UK law:
- Coaching is provided "as is" without guarantees
- No warranty that sessions will achieve specific outcomes
- Your results depend on your actions, not just my guidance
- Not liable for decisions you make based on session discussions
- Not responsible for technical issues beyond my control (Zoom outages, etc.)
Maximum liability: Limited to the amount you paid for the session.
13. Intellectual Property
- All content on hanker.life (text, frameworks, designs) is owned by Mikolaj Tarwid
- T.R.I.L. Method™ and other frameworks are proprietary
- You may use action plans and notes from your session for personal use only
- You may not reproduce, distribute, or sell any content without written permission
14. Consumer Rights (UK)
Under the Consumer Contracts Regulations 2013:
- You have 14 days to cancel distance contracts (online bookings)
- However, if the session occurs within 14 days and you agreed to this, you waive this right
- Our cancellation policy (section 7) applies instead
- Free content (challenge, newsletter) can be unsubscribed from anytime
15. Acceptable Use
You agree NOT to:
- Use services for any illegal purpose
- Harass, abuse, or threaten me or others
- Share your session access with others
- Record sessions without explicit permission
- Attempt to replicate or resell the frameworks as your own
Violation may result in immediate termination of services without refund.
16. Changes to Services and Pricing
- Beta pricing (£75) may increase with 30 days' notice to existing clients
- Services may be modified or discontinued
- These terms may be updated (changes posted here with "Last updated" date)
- Continued use after changes means you accept the new terms
17. Governing Law
These terms are governed by the laws of England and Wales. Any disputes will be handled in UK courts.
18. Severability
If any part of these terms is found unenforceable, the rest remains valid.
19. Contact and Disputes
Questions or issues? Email support@hanker.life
I'll respond within 2-3 business days. Most problems can be resolved through honest conversation.
Formal disputes: If we can't resolve it directly, you may use online dispute resolution or small claims court in the UK.
Bottom line: Show up. Be honest. Do the work. I'll give you my full attention and honest feedback. Need to cancel or reschedule? Just give me 24 hours' notice. No magic promises. No guarantees. Just real conversation and practical action steps. Your transformation is your responsibility - I'm here to help you see what you're avoiding and take the first step.