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Matt Lo Coaching

Terms & Conditions

Last updated: 22nd September 2026

## 1. Who we are and what these terms cover

These Terms of Service ("Terms") are a legally binding agreement
between you ("you", "the client") and Matt Lo, trading as Matt Lo
Coaching ("we", "us") covering the coaching services you purchase from
us.

We offer several services, and not every term applies to every service.
The body of these Terms applies to everything; the Schedules describe
what each service includes:

- Schedule A — The Membership (recurring monthly subscription)
- Schedule B — 1:1 Coaching (fixed term, one month or three months)
- Schedule C — 1:1 Sessions (recurring monthly, live 1:1 sessions)
- Schedule D — The Blood Panel (one-off add-on, available on any service)
- Schedule E — The Shift (fixed six-week group programme)

By purchasing any of our services you confirm you have read, understood
and agree to these Terms. Nothing in these Terms affects your statutory
rights as a consumer.

## 2. The services, in general

All services are delivered online through our coaching app and
associated platforms. Depending on the service you purchase (see the
Schedules), this may include training programmes, nutrition guidance,
group community access, check-ins, live video sessions, calls, blood
testing arranged through a third party, and coaching advice.

Our services are coaching and education. They are not medical advice,
physiotherapy, or dietetic treatment, and they are not a substitute for
any of those.

## 3. Prices and billing

3.1 Our services are billed differently, and the terms that apply to
cancellation and refunds depend on which you buy:

| Service | Price | Billing |
|---|---|---|
| The Membership | £150 per month (members who joined before 3 November 2026 stay on the £49 or £99 plan they joined on) | Monthly, recurring |
| 1:1 Coaching | £500 for one month, or £900 for three months | One payment in advance, for a fixed term |
| 1:1 Sessions | £450 per month | Monthly, recurring |
| The Blood Panel | £225 | One-off, in advance |
| The Shift | As stated at purchase | In full, before the start date |

3.2 Recurring services (The Membership and 1:1 Sessions) renew
automatically until you cancel, on the same date each calendar month as
your start date — or the last day of the month where that date doesn't
exist, so a 31st start renews on the 30th in shorter months.

3.3 1:1 Coaching is not a subscription. It is a fixed term — one
month or three months — paid for in a single payment in advance. It
does not renew automatically and there is nothing to cancel. At the end
of your term you may buy a further term, move to another service, or
finish.

3.4 The three-month price is a single price, not three instalments.
£900 buys three months. It is not £300 a month and cannot be stopped
part-way for a refund of the remainder, except under clauses 5, 6 or
7.2.

3.5 By subscribing or purchasing you authorise us to charge your chosen
payment method as set out above. Payments are processed securely by our
payment processors; we do not store your card details.

3.6 You are responsible for keeping your payment details current. If a
payment fails we may pause access until it is resolved.

3.7 We may change prices with at least thirty (30) days' written
notice. If you don't wish to pay the new price you may cancel before it
takes effect. Price changes never apply retrospectively, and never
during a 1:1 Coaching term or a Shift cohort already begun.

3.8 Clients already with us keep what they signed up to. Where you
are part-way through a service bought under earlier terms or at an
earlier price, that price and those terms continue to apply until your
current term or billing month ends. Nobody is repriced mid-way, in
either direction.

## 4. Cancelling

4.1 The Membership — cancel any time. No notice period, no minimum
term. Cancel through the coaching app or by emailing us (clause 19).
Your cancellation takes effect at the end of your current billing
month. You keep full access until then and you will not be charged
again.

4.2 1:1 Sessions — two weeks' notice. Your slot is held in the
diary at a fixed time each week, which is the only reason for the
notice. If you give notice at least fourteen (14) days before your next
payment date, no further payment is taken and your sessions run to the
end of the month you have paid for. If you give notice inside those
fourteen days, one further payment is taken and your sessions run
through that month.

4.3 1:1 Coaching. You may stop at any time and there is nothing to
cancel, because nothing further is owed. Outside the periods in clauses
5 and 6, the fee already paid is not refundable.

4.4 The Blood Panel. Refundable in full at any point before the
panel is ordered. Once it is ordered it is not refundable, for the
reason set out in clause 9.

4.5 No partial refunds after the cooling-off period. Except as set
out in clause 5 (cooling-off), clause 6 (our guarantees) or clause 7.2
(discretion), we do not refund the unused part of a billing period or a
fixed term after cancellation.

4.6 Rejoining. You can rejoin at any time at the then-current
price. Where a service has limited places — 1:1 Sessions, which is limited by
the hours available — rejoining is subject to availability. Rejoining
The Membership after 3 November 2026 is at £150 per month, whatever
you paid before.

## 5. Your 14-day cooling-off period

5.1 Because you buy our services online, you have a legal right to
cancel within 14 days of the day you subscribe or purchase, without
giving a reason, and receive a refund.

5.2 Starting straight away. Before you pay you will be asked to
confirm in writing that you want us to begin providing the service
immediately, rather than waiting until the cooling-off period has
ended, and that you understand that if you then cancel within the 14
days we may deduct from your refund an amount proportionate to the
service already provided, together with the cost of any blood panel
already ordered (clause 9).

If you do not give that confirmation, your programme will begin after
the 14-day period has ended.

5.3 What we actually deduct.

(a) The Membership — nothing. Cancel inside 14 days of your first
payment and you are refunded in full.

(b) 1:1 Sessions — a proportionate amount for any live sessions you
have already had.

(c) 1:1 Coaching, three months — nothing. We do not charge for
coaching time in the first fourteen days, even though clause 5.2
entitles us to.

(d) 1:1 Coaching, one month — a proportionate amount for the part
of the month already delivered, because fourteen days is roughly half
the term. In practice that means your refund is reduced by up to half.

(e) The Blood Panel — once the panel has been ordered, its cost is
not refundable, whether or not the sample has been taken or the results
issued.

5.4 How to cancel. Tell us within the 14 days by message in the
coaching app or by email (clause 19). No particular form of words is
needed, though you may use the model cancellation wording at the end of
these Terms.

5.5 Your refund will be made to your original payment method within 14
days of your cancellation, less any deduction under 5.3.

## 6. Our 30-day promise

This guarantee is offered in addition to your legal rights and does
not replace or reduce them.

6.1 What it covers. If, at any point up to day 30 of your
programme, you tell us it is not working, we will refund you — provided
all of the conditions in 6.3 are met.

The amount refunded is:

- 1:1 Coaching, three months — the proportion of the three months
you have not yet used;
- 1:1 Sessions and The Membership — the month you are in when
you tell us, with no further payment taken.

6.2 What it does not cover. The promise does not apply to:

- 1:1 Coaching bought for one month, because the whole term falls
inside the thirty days and is delivered within it. Your protection
there is the 14-day right in clause 5;
- The Blood Panel, because once it is ordered the cost is spent and
the results are yours;
- The Shift, which is covered by Schedule E.

6.3 The conditions. All of the following must be true:

(a) you logged your food every day, with no more than two missed days
in the thirty — where your service includes food review;

(b) you completed every prescribed session and logged it — sessions may
be moved within the week, but not skipped;

(c) you attended every call or live session scheduled in that period;

(d) you told us by day 21 that you were unsure, so there was time to
address it before day 30.

6.4 Only one refund may be claimed per person, ever, across any Matt Lo
Coaching service.

## 7. Refunds after the cooling-off period

7.1 After the 14-day cooling-off period, and outside clause 6, payments
already made are not refundable except as required by law or as set out
below.

7.2 Discretion. We may offer a full or partial refund in
exceptional circumstances — for example serious illness or injury
preventing participation. Each case is considered individually, and a
refund in one case does not create an entitlement in another.

7.3 Nothing in this clause affects your statutory rights, including
your rights if a service is not provided with reasonable care and
skill.

## 8. Health, safety and your responsibilities

8.1 Exercise carries inherent risk. Before starting any programme you
must complete the health questionnaire honestly and consult a
healthcare professional about any condition, injury, medication or
pregnancy that may affect your ability to exercise or change your diet.
Where anything in that questionnaire indicates it, you will be asked to
get clearance from your GP before starting.

8.2 You agree to:

- provide accurate and complete information when asked, and update us
if your health circumstances change;
- exercise within your own limits and stop if something causes pain;
- follow programme instructions but apply your own judgement about what
is safe for you on any given day;
- keep your account login confidential and tell us about any
unauthorised use.

8.3 Our guidance is general coaching and education. We are not medical
professionals. To the maximum extent permitted by law, we are not
liable for injury, illness or loss arising from your participation,
except that nothing in these Terms excludes or limits our liability for
death or personal injury caused by our negligence, for fraud, or for
any other liability that cannot lawfully be excluded.

8.4 Subject to 8.3, our total liability to you in connection with the
services is limited to the amount you have paid us in the twelve (12)
months before the event giving rise to the claim.

## 9. Blood testing

Applies to The Blood Panel, which may be bought alongside any service
or on its own.

9.1 The panel is provided by a third-party laboratory. It is arranged
in your name and the sample is taken at a clinic or by a home kit,
depending on the option chosen.

9.2 Your results are reviewed by a doctor employed by that provider,
who issues you a report. We do not interpret your blood results —
that is outside a coach's competence and it is not part of what we
provide. What we do is read the doctor's report, write you our own
summary of what it means for your training and nutrition, and talk you
through it.

9.3 If the doctor's report indicates that you should speak to your GP,
you should do so. We may pause or adjust your programme until you have.
We are not responsible for identifying, diagnosing or treating any
medical condition.

9.4 Once the panel is ordered it is not refundable. The cost is
paid to the laboratory at the moment it is ordered and cannot be
recovered, whether or not the sample has been taken or the results
issued.

9.5 You will be told the date your panel is being ordered, and
exactly what it costs, in writing, before it is ordered — so you
always know the figure before there is anything at stake.

9.6 The price of The Blood Panel includes the laboratory's charge and
our review, written summary and call. It is a single price and is not
broken down further.

## 10. The community

Where your service includes access to a group community:

10.1 Be decent. No abuse, harassment, discrimination, spam, or
promotion of your own or third-party products or services.

10.2 What's shared in the group stays in the group. Do not
screenshot, copy or share other members' posts, check-ins, photos or
personal information outside the community.

10.3 Don't give other members medical, injury or supplement advice.
Encouragement, yes; prescriptions, no.

10.4 We may remove content or, for serious or repeated breaches, remove
a member from the community and/or terminate their subscription under
clause 13.

## 11. Your content and your privacy in our marketing

11.1 We will never use your name, photographs, progress data, messages,
check-ins or results in marketing, testimonials or social media without
your explicit prior consent, given freely and specific to the use. You
can withdraw consent for future use at any time.

11.2 Anything you post in the community remains yours; you grant us
permission to display it within the community as part of running the
service.

## 12. Our intellectual property

All programmes, materials, methods, recipes, videos and content we
provide remain our property and are for your personal use only. Do not
copy, resell, republish or share them, including within other coaching
services.

## 13. Termination by us

We may terminate your subscription or programme with immediate effect
if you seriously or repeatedly breach these Terms (including clause
10), if you are abusive, or if you repeatedly ignore safety guidance.

If we terminate other than for your breach, or if we believe coaching
is no longer appropriate for you, we will refund the unused portion of
your current billing period or fixed term. If we discontinue a service
entirely, we will give you at least thirty (30) days' notice and refund
any unused portion.

## 14. Privacy and data

Your personal information — including health information you provide —
is handled in accordance with our Privacy Policy at
mattlocoaching.com/privacy, which forms part of these Terms.

In short: your coaching records live inside the platforms we use to
deliver the coaching, principally Trainerize and, where you share it,
your own MyFitnessPal account. We remain responsible for that
information under UK GDPR regardless of where it sits, and every right
in the Privacy Policy can be exercised by contacting us directly.

## 15. Changes to these Terms

We may update these Terms from time to time. For material changes we
will give you at least thirty (30) days' notice by email or in-app
message, and the changes will apply from your next billing cycle after
that notice. If you don't accept the changes you may cancel under
clause 4 before they take effect.

Changes never apply mid-term to 1:1 Coaching or The Shift — you
keep the terms you bought under.

## 16. Things outside anyone's control

We are not liable for failing to deliver where the cause is outside our
reasonable control — illness, bereavement, loss of internet or power,
or a third-party provider failing. Where that happens, your programme
is extended by the time lost, or the affected sessions are moved rather
than lost.

Nothing in this clause limits liability for death or personal injury
caused by negligence, for fraud, or for anything else that cannot be
limited by law.

## 17. Complaints

If you are unhappy with anything, email matt@mattlocoaching.com. We
will answer within five working days, and we would always rather hear
it from you first than not hear it at all.

## 18. General

18.1 These Terms are governed by the laws of England and Wales.
Disputes are subject to the jurisdiction of the courts of England and
Wales, and nothing prevents you bringing proceedings in your local
court where you have the right to do so.

18.2 If any provision is found unenforceable, the rest remain in force.

18.3 These Terms and the applicable Schedule are the entire agreement
regarding the service purchased and replace any earlier terms.

18.4 Where any summary of these Terms — including the Refund &
Cancellation Policy on our website — differs from these Terms, whichever
is more favourable to you applies.

## 19. Contact

Matt Lo Coaching
Email: matt@mattlocoaching.com · Instagram: @iammattlo

Cancellations and legal notices should go to the email address above or
through the coaching app.

---

# SCHEDULE A — THE MEMBERSHIP

A1. What it is. A recurring group coaching subscription at £150
per month, billed monthly, including:

- a strength training programme delivered in progressive blocks through
the coaching app, starting from Block 1 on the date you join, with
three options to choose from (full gym, dumbbells only, or bodyweight);
- individual nutrition targets and guidance, including calorie and protein
targets worked out for you;
- a live group video call with your coach every week, lasting about 45
minutes, recorded and made available to members;
- a form-check call as the fourth live call of each month, in which
members who have submitted a video of one lift receive coaching on it
live. Members who cannot attend may send one video that week and will
receive a written, audio or video reply;
- a written check-in from your coach each month;
- access to the members' community, including weekly recipe and teaching
content.

A2. Live call schedule. The weekly call is held at the same time each
week. We may cancel up to three weekly calls in any twelve months (for
example, over Christmas or because of illness). We will announce
planned cancellations at least four weeks in advance where we can, and
will replace a cancelled call with a recorded session. A cancelled call
is not a breach of these terms and does not entitle you to a refund.

A3. What The Membership is not. It is not one-to-one coaching. It
does not include a programme written for you individually, daily food
log review, daily contact, live 1:1 sessions, a blood panel, or private
message coaching. Questions are answered in the community or on the
weekly call.

A3a. Members who joined before 3 November 2026. If you joined The
Membership at £49 or £99 per month, you stay on that plan at that price
for as long as you remain a member (clause 3.8). The live group calls,
form-check calls and three-option programme are part of the £150
Membership only.

A4. Group programming. Programmes are written for the membership as
a whole with options for different levels and settings, home or gym.
You are responsible for choosing the options appropriate to you.

---

# SCHEDULE B — 1:1 COACHING

B1. What it is. A fixed-term coaching programme — one month at
£500, or three months at £900 — including:

- a training programme built around your equipment, your schedule, your
training history and your injuries, progressed throughout;
- your calorie and macronutrient targets set individually, and guidance
on meeting them;
- your food logged daily and reviewed by us;
- a 30-minute accountability call every fortnight;
- message support on working days;
- a deload built in, so the end of your term still progresses.

B2. What it is not. It does not include a live one-to-one session.
That is 1:1 Sessions (Schedule C). It does not include a blood panel;
that is available separately under Schedule D.

B3. It is a term, not a subscription. Payment is made once, in
advance, for the whole term. There is no automatic renewal, nothing to
cancel, and no further payments. Clauses 3.3 and 3.4 apply.

B4. The three-month price. £900 is a single price for three months,
not three payments of £300. Clause 3.4 applies.

B5. At the end of your term. There is no automatic renewal. You may
buy a further term, move to 1:1 Sessions at £450 a month, add The Blood
Panel, or finish.

B6. Guarantees. Clause 5 applies to all 1:1 Coaching. Clause 6
applies to the three-month term only — see clause 6.2.

---

# SCHEDULE C — 1:1 SESSIONS

C1. What it is. Recurring monthly coaching at £450 per month,
including:

- one live one-to-one session each week, delivered over video, with
your coach coaching you through it as it happens;
- a training programme for the days between sessions, built around your
equipment and your week;
- your calorie and macronutrient targets set individually, and guidance
on meeting them;
- your food logged daily and reviewed by us;
- message support on working days;
- everything progressed each month, with a deload built in.

C2. No fortnightly call, and that is deliberate. 1:1 Sessions does
not include the accountability call that comes with 1:1 Coaching. The
weekly live session replaces it.

C3. What it is not. It does not include a blood panel; that is
available separately under Schedule D.

C4. Sessions and scheduling. Sessions are weekly and billed
monthly. Across a year this is fifty-two sessions, so some months
include four and some five.

Your session slot is agreed in advance and held for you.

Moving a session: 24 hours' notice. Give us at least 24 hours and
we will move the session within the same month wherever we reasonably
can — including running two sessions in a later week to catch up. Any
such arrangement has to be discussed and agreed between us in advance;
it isn't automatic, and it depends on what's free in the diary.

Sessions cancelled with less than 24 hours' notice are forfeited,
and so is a session missed without notice.

Sessions do not roll over between months. Your monthly fee buys
that month's sessions. Anything not taken or rearranged within the
month is not carried forward and is not refunded.

We take time off during the year and will give notice; sessions falling
in that period are moved, not lost.

C5. Availability. The number of live session slots is limited by
the hours available, and slots sit at fixed times of day. A slot is not
guaranteed to be available, and a slot you give up may be offered to
someone else.

C6. Beginners. No previous training experience is needed. Because
the session is live, movements can be taught from scratch and corrected
while you are doing them.

C7. Cancellation. As clause 4.2 — two weeks' notice.

---

# SCHEDULE D — THE BLOOD PANEL

D1. What it is. A one-off add-on, £225, available alongside any
service or on its own, including:

- a blood panel provided by a third-party laboratory — 44 markers for
men, 47 for women;
- a report written by a doctor employed by that provider, issued to
you;
- our written summary of what the report means for your training and
nutrition, and a call to talk you through it.

D2. What it is not. It is not a diagnosis, a medical consultation,
or a substitute for seeing your GP. Clause 9.2 applies: we do not
interpret your results; the provider's doctor does.

D3. Payment and refund. Payable in advance. Refundable in full at
any point before the panel is ordered. Once ordered it is not
refundable — clause 9.4 applies.

D4. Before it is ordered. You will be told the date and the exact
cost, in writing, before anything is ordered.

D5. Repeat panels. A further panel may be bought at any time at the
then-current price.

---

# SCHEDULE E — THE SHIFT

E1. What it is. A fixed-term six-week group coaching programme with
a published start date, limited to a small number of places, including
daily food-log review, a daily group chat, weekly group accountability
calls, and a training programme via the coaching app.

E2. Payment. The fee is payable in full before the start date, or
as otherwise stated at purchase.

E3. Cooling-off. Your 14-day cooling-off right (clause 5) applies
from the date of purchase. If the programme starts within your
cooling-off period, clause 5.2 applies from the start date, and a
proportionate deduction is made for the part already delivered. Once
the six-week programme has been fully delivered, no refund is due.

E4. Missed participation. The programme runs to fixed dates.
Sessions, check-ins or days you miss cannot be refunded or carried
over, though we will always try to help you catch up within the six
weeks.

E5. The 30-day promise does not apply to The Shift — clause 6.2.

---

# Model cancellation wording (cooling-off)

> To: Matt Lo Coaching
> I hereby give notice that I cancel my contract for the supply of the
> following service: [service name], ordered on [date] by [your name].
> Signed / sent by: [name, date]

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