Terms and Conditions

Effective Date: September 23rd, 2026

1. ACCEPTANCE OF THESE TERMS

These Terms of Service (“Terms”) govern your access to and use of joya.center (the “Website”) and all memberships, programs, community features, classes, meditation sessions, coaching, workshops, events, retreats, educational content, digital resources and other services provided by Joya (“Joya”, “we”, “our” or “us”).

By accessing the Website, creating an account, purchasing or using any of our Services, or participating in the Joya community, you acknowledge that you have read, understood and agree to be bound by these Terms.

If you do not agree with these Terms, please do not use the Website or our Services.

2. DEFINITIONS

For the purposes of these Terms:

“Website” means joya.center.

“Services” means all services, programs and experiences offered by Joya, including memberships, community features, live and recorded classes, meditation sessions, private coaching, personalized programs, workshops, events, retreats, corporate programs, educational resources, digital content and any other products or services offered by Joya.

“Membership” means any recurring subscription or membership plan offered by Joya, including access to some combination of classes, sessions, community features, content, resources or other Membership benefits, as described at the time of purchase.

“Program” means any structured Joya offering that may include private sessions, personalized practices, educational resources, assessments, supportive habits or other forms of support over a defined or ongoing period.

“Community” means any digital or physical space provided or facilitated by Joya in which Members or Participants may interact, communicate, share content or participate in group activities.

“Participant”, “Member”, “you” and “your” refer to any individual or organization accessing the Website or using our Services.

3. ABOUT JOYA

Joya provides educational wellbeing services designed to help individuals and organizations cultivate their inner state and support their overall wellbeing.

Our Services may include memberships, meditation sessions, private programs, coaching, community experiences, workshops, events, retreats, educational resources, digital content and corporate programs.

Our approach integrates meditation, Kriya Yoga, Ayurveda and contemporary scientific understanding of wellbeing.

Our Services are educational and supportive in nature and are intended to encourage personal growth, healthier habits and overall wellbeing.

Joya may modify, improve, expand, suspend or discontinue Services from time to time as our offerings evolve, subject to these Terms and applicable law.

4. MEMBERSHIPS, PROGRAMS, BILLING & PAYMENTS

4.1 Memberships and Recurring Subscriptions

Certain Services may be offered through recurring Memberships.

The specific features, benefits, price, billing frequency, renewal conditions and any applicable commitment period associated with a Membership will be disclosed at or before the time of purchase.

By purchasing a recurring Membership, you authorize Joya or its designated payment processor to charge your selected payment method according to the billing frequency and conditions disclosed at or before checkout, subject to applicable law.

Unless otherwise specified:

• Memberships renew according to the conditions disclosed at or before purchase;

• payments are processed in advance of each billing period;

• prices are displayed in Canadian dollars; and

• applicable taxes are added where required by law.

You are responsible for maintaining accurate billing information and a valid payment method.

4.2 Programs and Commitment Periods

Certain Programs or Memberships may include a minimum commitment period.

Any minimum commitment period will be clearly disclosed at or before purchase and will apply only to the specific Membership or Program for which it was disclosed.

For example, certain personalized Programs may be offered with an initial commitment period due to the structured and ongoing nature of the Service.

Following any applicable commitment period, a Membership or Program may continue on a month-to-month or other recurring basis where specified at or before the time of purchase.

Any cancellation or termination rights provided under applicable law continue to apply notwithstanding an agreed commitment period.

Nothing in these Terms limits any rights or remedies available to you under applicable law.

4.3 One-Time Purchases

Certain Services, including individual sessions, workshops, events, retreats, courses and digital resources, may be offered as one-time purchases rather than recurring Memberships.

The applicable price, inclusions and any specific cancellation, exchange or refund conditions will be disclosed at or before the time of purchase.

4.4 Automatic Renewal

Where a Membership or Program is offered on an automatically renewing basis, the applicable billing frequency, price, renewal conditions and any other material conditions will be disclosed at or before the time of purchase.

Any automatic renewal will be administered in accordance with the conditions disclosed to you and applicable law.

4.5 Cancellation

Memberships and recurring Programs may be cancelled or terminated in accordance with the conditions disclosed at or before purchase and applicable law.

Members may contact Joya regarding cancellation at:

info@joya.center

Where Joya provides an online cancellation mechanism for a Membership or Program, Members may also use that mechanism in accordance with the instructions provided.

Where no minimum commitment applies, cancellation will generally take effect at the end of the current billing period, unless otherwise disclosed or required by applicable law.

Where a minimum commitment applies, any cancellation rights, amounts payable and effective date of cancellation will be determined in accordance with the conditions disclosed at or before purchase and applicable law.

Nothing in these Terms limits any cancellation, resolution or termination right available to a consumer under applicable law.

4.6 Refund Policy

Refund, exchange and cancellation conditions may vary depending on the Service purchased and will be disclosed where applicable at or before the time of purchase.

Except where otherwise required by applicable law or agreed in writing:

• Membership fees already charged are non-refundable;

• partially used billing periods are not refunded;

• missed appointments may be considered completed;

• digital content for which access has already been granted may be non-refundable; and

• event, workshop or retreat fees and deposits may be subject to specific cancellation and refund policies disclosed at or before registration.

If Joya cancels a paid Service and is unable to provide an appropriate alternative, we may offer a replacement Service, account credit or refund for the affected portion, subject to applicable law.

Nothing in this Refund Policy limits any statutory cancellation, resolution, refund or other consumer right available under applicable law.

4.7 Failed Payments

If a payment cannot be processed, Joya may request updated payment information or attempt to process the payment again where permitted.

Access to Membership benefits, Programs, Community features or other paid Services may be temporarily suspended until outstanding payments have been resolved, subject to applicable law.

5. ONLINE PURCHASES

Where a consumer purchases Services from Joya online or otherwise enters into a distance contract, Joya will provide the information and documentation required by applicable consumer protection laws.

Before the purchase is completed, applicable information concerning the Service, price, payment terms, performance of the Service, renewal conditions where applicable, and cancellation, termination, exchange or refund conditions will be made available as required by law.

Consumers will be given an opportunity to review the applicable transaction information and correct errors before completing an online purchase where required by law.

Following the conclusion of a distance contract, Joya will provide the consumer with a copy of the contract or transaction information in a form that can be retained and printed, within the period required by applicable law.

Nothing in these Terms limits any rights available to consumers where the requirements applicable to a distance contract have not been respected.

6. SCHEDULING & ATTENDANCE

This section applies to Services that include scheduled appointments, private sessions or other reserved time with a Joya instructor, coach or facilitator.

Private appointments may be rescheduled with at least twenty-four (24) hours’ notice.

Appointments cancelled with less notice, or missed without prior communication, may be considered completed, subject to applicable law and any specific conditions disclosed at or before booking.

Reasonable exceptions may be made where unexpected circumstances arise.

Group classes, events and other scheduled Services may be subject to separate attendance, cancellation or rescheduling policies disclosed at or before registration.

7. EVENTS, WORKSHOPS, RETREATS & CORPORATE PROGRAMS

Additional terms may apply to events, workshops, retreats and corporate wellbeing programs.

These terms may include registration requirements, payment schedules, cancellation deadlines, venue policies, Participant requirements, travel arrangements or other conditions specific to the applicable Service.

Any material conditions applicable to a consumer purchase will be disclosed as required by applicable law.

Where Services are provided under a separate written agreement, that agreement will govern the applicable engagement to the extent of any conflict with these Terms.

Unless otherwise stated, Participants remain responsible for their own travel, accommodation and personal expenses.

8. WELLNESS DISCLAIMER

Joya’s Services are educational in nature and are designed to support personal wellbeing through meditation, coaching, supportive habits and related educational practices.

Our Services are not intended to diagnose, treat, cure or prevent any medical or mental health condition, nor are they a substitute for professional medical, psychological, psychiatric or other healthcare.

If you have concerns regarding your physical or mental health, are pregnant, are receiving treatment, or are unsure whether participation is appropriate for you, we encourage you to consult a qualified healthcare professional before beginning any new practice.

Participation in Joya’s Services is voluntary. We encourage every Participant to listen to their body, respect their own limits and participate at a pace that feels safe and appropriate.

9. PARTICIPANT & MEMBER RESPONSIBILITIES

By participating in Joya’s Services, you acknowledge that you remain responsible for your own decisions, actions, wellbeing and healthcare.

You agree to:

• participate respectfully and in good faith;

• provide accurate information where reasonably necessary for the delivery of Services;

• communicate relevant concerns that may affect your participation;

• use Joya’s Services in a safe and responsible manner;

• respect other Participants, Members, instructors, facilitators and members of the Joya team;

• comply with reasonable instructions relating to the safe and appropriate use of the Services; and

• refrain from using the Services or Community in a manner that interferes with the experience, privacy or safety of others.

Your experience and progress ultimately depend upon your own participation, consistency and individual circumstances.

10. RESULTS

Meditation, coaching, supportive habits and personal development are personal experiences that vary from one individual to another.

While Participants may experience meaningful benefits, Joya does not guarantee any particular physical, emotional, psychological, professional, financial or spiritual outcome.

Testimonials shared by Participants or Members reflect individual experiences and should not be interpreted as guarantees of future results.

11. CONFIDENTIALITY & PRIVACY WITHIN JOYA SERVICES

Joya recognizes the importance of privacy and strives to create an environment built on trust and respect.

Information voluntarily shared during private coaching or personalized sessions will be treated with discretion and will not be disclosed except:

• with your consent;

• where required or permitted by law; or

• where disclosure is reasonably necessary to protect the safety of an individual.

Participants and Members in group programs, live sessions, events and Community spaces are expected to respect the privacy and confidentiality of others.

You should not reproduce, publish or share another Participant’s personal information, messages, experiences or other private communications without their permission.

While Joya encourages confidentiality and respectful conduct within group and Community settings, Joya cannot guarantee the conduct of other Participants or Members.

Joya’s collection, use, disclosure, retention and protection of personal information are further governed by our Privacy Policy.

12. COMMUNITY STANDARDS

Joya is committed to maintaining a welcoming, respectful and inclusive Community.

These standards apply to Joya’s online Community, group sessions, classes, events, workshops, retreats and other spaces facilitated by Joya.

Participants and Members are expected to conduct themselves with kindness, professionalism and respect toward others.

You may not use Joya’s Services or Community to engage in:

• harassment, discrimination, intimidation or threatening behaviour;

• fraudulent, deceptive or unlawful activity;

• repeated or material disruption of sessions or Community spaces;

• unauthorized advertising, solicitation or spam;

• sharing another person’s confidential or personal information without authorization;

• misuse of Joya’s content, systems or Services; or

• conduct that materially interferes with the safety, wellbeing or experience of others.

Violations may result in content removal, restrictions on Community participation, suspension or termination of access where reasonably necessary and permitted by law.

Where appropriate, Joya will make reasonable efforts to resolve concerns through respectful communication before taking further action.

13. MEMBER CONTENT & COMMUNITY CONTRIBUTIONS

Certain Services may allow Members or Participants to post, submit, share or otherwise contribute messages, comments, images, feedback or other content (“Member Content”).

You remain responsible for the Member Content you submit and should only share content that you have the right to share.

You must not submit content that infringes the rights of another person, violates applicable law, contains another person’s confidential information without permission, or violates these Terms or our Community Standards.

By submitting Member Content within Joya’s Services, you grant Joya a limited, non-exclusive licence to host, store, display and otherwise use that content only as reasonably necessary to operate and provide the applicable Service or Community, unless you separately authorize broader use.

This does not transfer ownership of your Member Content to Joya.

Joya may remove or restrict access to Member Content where reasonably necessary to operate the Community, enforce these Terms, protect Participants or comply with applicable law.

14. INTELLECTUAL PROPERTY

Unless otherwise indicated, all content made available by Joya—including text, graphics, logos, branding, guided meditations, recordings, videos, written materials, educational resources, course materials, assessments, frameworks and digital content—is the exclusive intellectual property of Joya or is used by Joya with appropriate authorization and is protected under applicable intellectual property laws.

Subject to these Terms, Joya grants you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use materials made available to you through the Services solely for your own personal, non-commercial use, unless otherwise expressly agreed.

Without Joya’s prior written consent, you may not:

• reproduce or distribute our materials;

• modify or create derivative works from our materials;

• publish, sell, license or sublicense our content;

• share Membership access, account credentials or restricted digital resources with others;

• use our content for commercial purposes;

• systematically download, copy or extract restricted content; or

• remove any copyright, trademark or proprietary notices.

Nothing in these Terms transfers ownership of Joya’s intellectual property to you.

15. RECORDING OF SESSIONS

Certain classes, workshops, events, Community sessions or other educational sessions may be recorded for the benefit of Members or registered Participants or for other purposes disclosed by Joya.

Where recording takes place, Participants will be informed in advance whenever reasonably possible and any consent required by applicable law will be obtained.

Private coaching or personalized sessions will not be recorded without your prior knowledge and consent.

Participants may not record, photograph, reproduce, livestream or distribute Joya sessions, recordings or materials without prior written authorization.

16. THIRD-PARTY PLATFORMS & SERVICES

Certain Joya Services may be delivered or supported through third-party platforms or service providers, including payment processors, videoconferencing services, community platforms, scheduling systems or other technology providers.

Your use of those third-party services may also be subject to their own terms and privacy practices.

While Joya selects third-party providers with the intention of delivering a reliable experience, we cannot guarantee the uninterrupted availability or performance of systems outside our reasonable control.

17. LIMITATION OF LIABILITY

Joya strives to provide thoughtful, professional and high-quality Services delivered with care.

Participation in our Services is voluntary, and you acknowledge that you remain responsible for your own decisions, actions and wellbeing.

To the fullest extent permitted by applicable law, Joya shall not be liable for indirect, incidental, consequential, special or exemplary damages arising from or relating to the use of our Website or Services, including loss of income, business opportunity, data or anticipated benefits.

Nothing in these Terms excludes, restricts or modifies any liability, right, protection or remedy that cannot legally be excluded, restricted or modified under applicable law.

18. SUSPENSION OR TERMINATION

Joya reserves the right to restrict, suspend or terminate access to the Website, Membership, Community, Program or other Services where reasonably necessary and permitted by applicable law, including in circumstances involving:

• repeated non-payment;

• fraudulent or unlawful activity;

• misuse of Joya’s content, Community or Services;

• material or repeated breaches of these Terms;

• serious or repeated violations of our Community Standards; or

• behaviour that threatens the wellbeing, privacy, safety or experience of other Participants, Members or members of our team.

Where reasonably practicable and appropriate, Joya will provide notice and an opportunity to resolve the issue before suspension or termination.

Any financial consequences of a suspension or termination will remain subject to the applicable agreement and applicable law.

Nothing in this section limits any rights or remedies available under applicable law.

19. FORCE MAJEURE

Joya shall not be responsible for any delay, interruption or failure to perform its obligations where such delay or failure results from events beyond our reasonable control, including natural disasters, severe weather, public health emergencies, labour disruptions, internet or technology outages, government actions or other unforeseen circumstances, to the extent permitted by applicable law.

Where reasonably possible, affected Services will be rescheduled or suitable alternatives will be offered.

20. CHANGES TO SERVICES

Joya reserves the right to modify, improve, replace, suspend or discontinue any Service, Membership, Program, Community feature or offering where reasonably necessary, subject to applicable law.

This may include reasonable changes to schedules, instructors, formats, features, content or other aspects of a Service.

Where a material change affects an active paid Membership or Program, Joya will provide any notice, consent option, remedy or other measure required by applicable law.

Nothing in this section permits Joya to unilaterally modify a consumer contract where such modification is prohibited by applicable law.

21. CHANGES TO THESE TERMS

Joya may revise these Terms from time to time to reflect changes in our Services, business operations or applicable legal requirements.

The most current version will be published on joya.center together with its effective date.

Where a change materially affects an existing Membership, Program or a consumer’s rights or obligations, Joya will provide any notice or obtain any consent required by applicable law.

Changes to these Terms will not limit rights that have already accrued under applicable law.

22. SEVERABILITY

If any provision of these Terms is determined to be invalid, illegal or unenforceable by a court of competent jurisdiction, that provision shall be interpreted to the minimum extent necessary or severed from these Terms without affecting the validity or enforceability of the remaining provisions.

23. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the Province of Quebec and the applicable federal laws of Canada.

Any dispute arising from these Terms or the use of Joya’s Services shall be subject to the jurisdiction of the competent courts of the Province of Quebec, subject to any mandatory consumer rights regarding jurisdiction or other protections under applicable law.

24. ENTIRE AGREEMENT

These Terms, together with any additional terms, purchase conditions or policies expressly applicable to a particular Service, constitute the agreement between you and Joya regarding your use of the Website and Services and supersede prior understandings or agreements relating to the same subject matter.

Where specific conditions for a Membership, Program, event, retreat or other Service are disclosed and accepted at or before purchase, those conditions form part of the agreement applicable to that Service.

If a specific Service agreement conflicts with these Terms, the specific agreement will govern that Service to the extent of the conflict, subject to applicable law.

Failure by Joya to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other rights available to Joya.

25. CONSUMER RIGHTS

Nothing in these Terms is intended to waive, restrict or exclude any right or protection that cannot be waived, restricted or excluded under the Consumer Protection Act (Quebec) or any other applicable law.

Where these Terms conflict with a mandatory provision of applicable consumer protection law, the mandatory provision will prevail.

26. CONTACT INFORMATION

Questions regarding these Terms, Memberships, cancellations or our Services may be directed to:

Joya

Website: joya.center

Email: info@joya.center