VALOR ONLINE
TERMS, PRIVACY & REFUND POLICIES
TERMS OF SERVICE
By purchasing, downloading, booking, or using any product, service, or resource from VALOR Online / Ann Marie Hyland, you acknowledge and agree to the following:
All content, guides, protocols, downloads, recommendations, videos, coaching materials, educational materials, and resources are provided for educational and informational purposes only. They are not intended to diagnose, treat, cure, or prevent any disease or medical condition and are not a substitute for medical care, diagnosis, or treatment from a qualified healthcare professional.
Always consult an appropriate healthcare professional before beginning or changing any health, nutrition, supplement, detoxification, exercise, or wellness program, particularly if you have a medical condition, take medications, are pregnant or nursing, or have concerns about whether a product or practice is appropriate for you.
Individual results vary. VALOR Online and Ann Marie Hyland make no guarantees regarding specific health, financial, business, personal, or other outcomes. You are responsible for your own decisions and use of the information provided.
Some recommendations may contain affiliate links. VALOR Online may receive a commission from qualifying purchases at no additional cost to you. Affiliate relationships do not guarantee or warrant the safety, quality, effectiveness, availability, or suitability of third-party products.
Digital products and downloads are for the purchaser's personal use only and may not be copied, reproduced, resold, distributed, published, shared, or commercially used without written permission.
Third-party products and services are subject to the manufacturer's, retailer's, or service provider's own terms, warranties, return policies, instructions, and safety information.
By completing a purchase, booking a service, downloading materials, or using VALOR Online, you acknowledge that you have read, understood, and agreed to these terms.
PRIVACY POLICY
VALOR Online respects your privacy. Information you voluntarily provide, including your name, email address, billing information, and other information submitted when purchasing products, booking services, downloading resources, subscribing to communications, or contacting us, may be used to process transactions, provide requested services, communicate with you, and improve our offerings.
Payments may be processed through third-party payment providers such as Stripe and other authorized platforms. Payment and other information handled by third-party providers is also subject to their respective privacy policies and security practices.
VALOR Online does not sell your personal information.
COOKIES, ANALYTICS & TRACKING
VALOR Online may use cookies, analytics tools, tracking technologies, and similar technologies to understand website traffic, improve content and services, and measure marketing effectiveness.
These technologies may include services provided by Google, Meta, TikTok, Pinterest, and other third-party platforms where enabled.
Information collected through third-party services is also subject to those providers' privacy policies and settings.
You may unsubscribe from marketing communications at any time using the unsubscribe option provided or by contacting VALOR Online.
REFUND & RETURN POLICY
DIGITAL PRODUCTS
Because digital products, downloads, guides, and educational materials may be available for immediate access, digital-product sales are final and non-refundable once accessed or downloaded, except where otherwise required by applicable law.
COACHING & SERVICES
Coaching, consultations, workshops, classes, and other services are subject to the cancellation and rescheduling terms provided at the time of booking.
Services already provided are non-refundable except where otherwise required by applicable law.
PHYSICAL PRODUCTS
Eligible physical products may be returned according to the return terms provided with the product at the time of purchase.
Products must generally be unused and returned in their original condition and packaging.
Certain personal-use, health, wellness, clearance, final-sale, or otherwise non-returnable products may be excluded from returns.
Please contact VALOR Online before returning merchandise.
THIRD-PARTY & AFFILIATE PURCHASES
Products purchased through Amazon or another third-party retailer are not sold or fulfilled by VALOR Online.
Returns, refunds, exchanges, warranties, shipping issues, and disputes involving those purchases are governed by the applicable retailer's policies and must be handled directly with that retailer.
DAMAGED OR INCORRECT ORDERS
Please contact VALOR Online promptly regarding products sold and fulfilled directly by VALOR Online that arrive damaged, defective, or incorrect so the matter can be reviewed.
AFFILIATE DISCLOSURE
VALOR Online may participate in affiliate programs and may earn commissions from qualifying purchases made through certain links, at no additional cost to the purchaser.
Product recommendations reflect educational or informational selections and do not constitute guarantees regarding a product's safety, effectiveness, or suitability for any individual.
INTELLECTUAL PROPERTY
Unless otherwise stated, original content, written materials, guides, protocols, downloads, graphics, educational resources, videos, course materials, and other materials created by VALOR Online and/or Ann Marie Hyland are protected intellectual property.
Materials purchased or downloaded from VALOR Online are provided for the purchaser's personal use only unless written permission for another use has been granted.
Content may not be copied, reproduced, republished, distributed, resold, uploaded, shared, modified for resale, or used commercially without prior written permission.
THIRD-PARTY PRODUCTS & SERVICES
VALOR Online may provide links, information, reviews, recommendations, or referrals relating to products and services offered by third parties.
VALOR Online does not control third-party manufacturers, retailers, service providers, websites, or platforms and is not responsible for their products, services, availability, pricing, policies, representations, warranties, shipping, fulfillment, or business practices.
Customers should review the applicable third party's terms, policies, product information, instructions, warnings, and return policies before purchasing or using a third-party product or service.
LIMITATION OF RESULTS
Information, products, coaching, educational resources, and recommendations provided through VALOR Online are intended to support education, personal development, wellness, and informed decision-making.
Results vary from person to person. No specific health, wellness, fitness, personal, professional, financial, recovery, or other outcome is promised or guaranteed.
You remain responsible for determining whether any information, product, service, exercise, supplement, wellness practice, or other recommendation is appropriate for your individual circumstances.
VALOR Online | Ann Marie Hyland
Educational information for informed personal wellness decisions.
Last Updated: September 2026