Terms of Service

Last updated: January 30, 2026

1. Acceptance of Terms

By accessing and using CrossTalk, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use the platform.

2. User Accounts

You are responsible for maintaining the confidentiality of your account credentials. You must provide accurate and complete information when creating an account. You are responsible for all activities that occur under your account.

3. Coaching Services

CrossTalk is a platform that connects users with independent coaches. Coaches are not employees of CrossTalk. We do not guarantee specific outcomes from coaching sessions. Coaching is not a substitute for professional medical, legal, or financial advice.

4. Bookings & Payments

All bookings are subject to coach availability. Cancellations must be made at least 24 hours before the scheduled session. Refund policies are determined by individual coaches and disclosed before booking.

5. Code of Conduct

Users and coaches must treat each other with respect. Harassment, discrimination, or abusive behavior will not be tolerated and may result in account suspension. All communications should remain professional and constructive.

6. Intellectual Property

All content on CrossTalk, including text, graphics, logos, and software, is the property of CrossTalk or its content suppliers. You may not reproduce, distribute, or create derivative works without written permission.

7. Limitation of Liability

CrossTalk is provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform.

8. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or platform notification. Continued use after changes constitutes acceptance.