Terms Of Service Policy | “Panic Free TV”

These Terms of Service ("Terms") govern your use of the websites www.panicfree.tv, www.michaelnorman.com, and www.instantcalm.com, and any associated services, courses, programs, products, or content ("Services") provided by Michael Norman. By accessing or using any of these Services, submitting your email address, opting into any communication, or making a purchase, you agree to be legally bound by these Terms. If you do not agree, you may not use the Services.

1. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Japan. You agree that any disputes arising out of or in connection with these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts in Hyogo Prefecture, Japan.

2. Nature of Services

The Services provided through these websites, including online programs, courses, videos, downloadable resources, emails, live events, written content, and all forms of email communication (including but not limited to 'Ask Michael Anything' email support, personalized responses to subscribers and followers, one-off questions from non-clients and non-customers, newsletter replies, and unsolicited support offered via email), are designed strictly for educational and personal development purposes only. All email communication is provided in good faith as informal support, not as part of a formal client relationship. These messages are not intended to diagnose, treat, or prevent any medical or psychological condition and are not a substitute for professional advice from a licensed provider.

3. Results Disclaimer

While many individuals have experienced significant benefits from Michael Norman's Services, results are highly individual and depend on numerous factors including effort, personal history, and context. No specific outcomes or results are guaranteed.

4. One-on-One Coaching Terms

If you purchase or participate in any one-on-one coaching sessions with Michael Norman, you agree to be additionally bound by the terms outlined in the One-on-One Coaching Agreement, available here.

These terms include important details about scope of service, confidentiality, refunds, and client responsibility.

5. Payment and Refund Policy

All payments for courses, memberships, or services are due upfront and in full unless otherwise stated. Specific refund policies will be stated clearly on the sales page of each product or service. Some programs may offer a money-back guarantee (e.g., a 90-day refund window), in which case the terms of that guarantee will apply as described at the point of sale.

For the main Panic Free program, a one-time $1 trial is available for 7 days. After the trial period ends, billing is automatic unless canceled beforehand by the client. If not canceled, the client will be charged two payments of $99, spaced one month apart. Only one trial per person is permitted. A 90-day money-back guarantee applies to this product.

Absent a stated guarantee or refund policy on the sales page, all sales are final.

You are responsible for managing your own subscription status and payment methods. If a payment fails or is disputed, access to services may be suspended or revoked at Michael's discretion. Continued access to any programs or content is contingent upon timely payment in full.

6. Intellectual Property

All content on this website, including videos, courses, frameworks, methods, text, graphics, downloadable materials, and all derivative works, are the intellectual property of Michael Norman and are protected by applicable copyright and intellectual property laws. You may not copy, reproduce, record, distribute, translate, publish, share, or create derivative works without explicit written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Michael Norman shall not be held liable for any indirect, incidental, consequential, or special damages arising from or in connection with your use of the Services. Direct damages, if any, shall be limited to the amount paid by you for the specific service in question.

Michael shall not be responsible for any technical issues, service interruptions, or platform failures that affect access to your purchased content, though reasonable efforts will be made to restore access in a timely manner.

8. User Conduct

You agree to use the website and Services in a respectful and lawful manner. You must not:

Violate any applicable local, national, or international laws.
Attempt to interfere with the functionality, security, or availability of the website or hosted content.
Use the website or Services for any fraudulent or harmful purpose.
Misrepresent yourself, impersonate others, or share private access links or credentials.

9. Termination

Michael Norman reserves the right to terminate or restrict access to the Services at any time, for any reason, without notice. If you violate these Terms, your access may be revoked without refund.

Michael also reserves the right to refuse service to anyone, at his sole discretion, in alignment with ethical and business considerations.

10. Force Majeure

Michael Norman shall not be held liable for any failure or delay in performance due to circumstances beyond his reasonable control, including but not limited to natural disasters, power outages, pandemics, illness, governmental restrictions, service platform outages, or other unforeseen disruptions.

11. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

12. Privacy and Data Protection

Michael Norman takes your privacy seriously. We collect only the personal data necessary to provide our services, such as your name, email address, and payment information. This includes information provided via our websites, booking forms, payment processors, email communication, and newsletter subscriptions. We use trusted third-party providers, including Stripe, PayPal, Active Campaign, and ThriveCart, to process payments and manage communication. These providers are bound by their own privacy and security standards, and your data will be handled according to their respective policies. We store this data securely and use it solely to deliver what you’ve requested, provide support, improve your experience, and fulfill our legal obligations.

We comply with Japan’s Act on the Protection of Personal Information (APPI). By using our services, you consent to our collection and use of your data as outlined in our Privacy Policy.

13. Age Requirement

You must be 18 years or older to use these Services. By accessing any part of the websites or submitting personal information, you represent and warrant that you are at least 18 years of age.

14. Dispute Resolution

In the event of a disagreement or dispute arising from these Terms or your use of the Services, you agree to first attempt to resolve the matter informally by contacting Michael Norman directly at support@panicfree.tv

If the issue cannot be resolved informally within a reasonable time (typically 30 days), you agree that the dispute will be subject to the exclusive jurisdiction of the courts in Hyogo Prefecture, Japan, as outlined in Section 1. You further agree that any legal proceedings shall be conducted in Japanese or English.

Optional Arbitration

In the event of a dispute that cannot be resolved informally, both parties may mutually agree to submit the matter to binding arbitration under the laws of Japan. Arbitration shall be conducted in Hyogo Prefecture in accordance with the rules of the Japan Commercial Arbitration Association (JCAA) or another recognized arbitration body, in either Japanese or English. Each party shall bear its own costs unless otherwise determined by the arbitrator. Arbitration may provide a more efficient, confidential alternative to court proceedings, but is not required unless both parties agree in writing.

15. Changes to Terms

These Terms may be updated from time to time. In the event of material changes, Michael will make reasonable efforts to notify users through appropriate channels, such as email, a website banner, or other means at his discretion. Continued use of the Services after such updates constitutes acceptance of the revised Terms.

16. Contact

If you have any questions about these Terms, please contact:
support@panicfree.tv

Thank you for being part of the Panic Free community.

— Michael Norman