The short version
Be an adult, treat people decently, don't take our material. We'll do our best and we don't promise outcomes. If something goes wrong between us, talk to us first. We would much rather fix it than fight about it.
These terms govern your use of our websites and everything we offer through them: courses, digital products, guidance sessions, live group calls, workshops, ceremonies, retreats, memberships, and apps (the "Services"). They are an agreement between you and Michael and Penny LLC. By using the Services you accept them. If you do not, please do not use the Services.
Your agreement is with the company. Where these terms say "we," "us," or "our," that means Michael and Penny LLC, and, for the purposes of the Disclaimer, the sections below on guarantees and liability, and the way we handle disputes, it also means Michael Trachtman and Penny Gold, each of them individually and in every capacity in which they act, along with everyone who helps us deliver the Services: employees, contractors, co-facilitators, assistants, cooks, drivers, and volunteers, paid or unpaid. Those protections are theirs as well as the company's, and each of them may rely on this agreement directly.
Two other pages are part of this agreement and you should read them: our Disclaimer, which describes what our work is and is not, and our Refund & Cancellation Policy. If you signed a separate agreement for a retreat or a program, that agreement governs where it differs from these terms.
1. Who may use the Services
You must be at least eighteen and able to enter a contract. If you are signing up on behalf of both partners, you confirm you have their agreement to share what you share and to book on their behalf.
2. What we are offering
Spiritual guidance, coaching, and counsel, together with education and ceremony, offered by two ordained people. It is not psychotherapy, medical care, or legal or financial advice, and no clinician–patient relationship is created by any of it. Our Disclaimer sets this out in full and you should read it before you buy anything.
3. Buying from us
Prices are in US dollars. What you see at checkout is what governs your purchase: the price, the payment schedule, and any terms specific to that offer. You are responsible for any taxes that apply where you live, and for giving us accurate payment and billing information. Payments are taken by our payment processors, such as Stripe and PayPal, under their own terms as well as ours.
Where we offer a payment plan, you commit to the whole amount and authorize us to charge the scheduled installments. A missed installment may pause your access until it is settled. We will always write to you before doing that.
Any subscription or membership continues until you cancel it. You can cancel at any time and it will run to the end of the period you have paid for. We will tell you the price before any renewal at a new price.
If you dispute a charge with your bank rather than talking to us first, we may pause your access while we sort it out. We would genuinely rather you emailed us.
4. Our material, and what you may do with it
Everything we make, from writing, recordings, exercises and ceremonies to course material, our names and logos, belongs to Michael and Penny LLC or is used with permission.
When you buy something, you get a personal, non-transferable licence to use it yourself and with your partner, for as long as we offer it. Print it, write on it, use it at your kitchen table. What you may not do is share your login, redistribute or resell our material, post it publicly, or use it to teach, train, or build a competing offering, including as training data for an AI model. Those things need our written permission, which we are usually happy to discuss.
Where we host a community space, you keep ownership of what you post there and give us permission to display it as part of running that space. We may remove posts that break section 5. What other members share there is theirs, and we ask you to keep it private, as you would anything said in a session.
If you send us a testimonial or a note about your experience, we may quote it in our marketing with the first name and the detail you gave us, unless you ask us not to. Ask us at any time and we will take it down.
5. How we ask you to behave
Our rooms only work if people feel safe in them. So: no harassment, threats, or intimidation of anyone, us included. Do not record our sessions without our permission. Treat what you hear from other participants as private. Do not misrepresent who you are, interfere with our systems, or try to reach parts of them you have not been given.
We may remove someone from a session, a program, or a retreat if their behavior is harming other people. We would rather talk first, and in a real emergency we will act immediately. Where we remove someone for conduct, refunds are governed by our Refund & Cancellation Policy.
6. No guarantees
We offer the Services as they are. We do not promise they will be uninterrupted, error-free, or fit for a particular purpose, and to the extent the law allows we disclaim the implied warranties that would otherwise apply. We do not promise any outcome in your relationship. Testimonials describe what happened for other people, not what will happen for you.
7. The limit of what we owe you
To the fullest extent the law allows, we are not liable for indirect, incidental, special, or consequential losses, or for lost profits, lost data, or emotional distress arising from your use of the Services. Our total liability to you for any claim is limited to what you paid us in the twelve months before it arose.
You agree to look only to Michael and Penny LLC and its assets for any remedy under this agreement, and not to pursue Michael Trachtman, Penny Gold, or anyone working with us in their personal capacity. This is the ordinary bargain of doing business with a company rather than with two individuals, and it applies whatever the state of the company's registration at the time.
Nothing here limits liability that cannot be limited by law, including our own fraud, or death or personal injury caused by our negligence. Some states do not allow these exclusions, in which case they apply to you only as far as that state permits.
8. Third parties
Our Services rely on other companies, and our retreats rely on venues, guides, drivers, and practitioners we do not employ. We choose them with care. We are not responsible for their acts or omissions, and your dealings with them are between you and them. Links we share are not endorsements.
9. When something goes wrong between us
We have deliberately not put a forced-arbitration clause in these terms. If you have a problem with us, here is what we ask instead.
First, tell us. Write to mp@michaelandpenny.com with what happened and what would make it right. We will reply within fourteen days and try in good faith to resolve it for thirty days from there. Most things end here.
Then, mediation. If thirty days pass without resolution, we both agree to try one session of mediation with a neutral mediator in Massachusetts, or by video, before either of us files anything. We split the mediator's fee. This is a real condition, not a formality, but it does not stop either of us from asking a court for an urgent injunction, and it does not apply to a claim about intellectual property.
Then, court. Anything still unresolved goes to the state or federal courts in Middlesex County, Massachusetts, and we both consent to their jurisdiction. Massachusetts law governs, without regard to its conflict-of-laws rules. Either of us may still bring a claim in small claims court. You are not giving up your right to a jury, and you are not giving up your right to complain to a government agency.
10. Ending things
You can stop using the Services at any time. We may suspend or end your access if you materially breach these terms, and except in an emergency we will tell you why and give you a chance to put it right. If we end your access without cause, we will refund the unused part of anything you have paid.
11. Housekeeping
If a court finds part of these terms unenforceable, the rest still stands. Not enforcing something once does not waive it. You may not transfer this agreement; we may, if the business is sold. These terms, plus the Disclaimer, the Refund & Cancellation Policy, and anything you signed, are the whole agreement between us.
We may update these terms, and the date at the top will change when we do. For a material change we will give notice by email or on the site before it takes effect. Changes do not apply retroactively to a dispute already underway.