Terms & Conditions

Effective Date: July 28, 2025

Last Updated: July 28, 2025

Welcome to Combined Expertise, operated by Dr. Phildra Swagger. By accessing or using our website, programs, or services, you agree to the following terms.

1. Services

We offer digital products, online coaching programs, live virtual sessions, and in-person events. All services are for educational and professional development purposes.

2. Payments and Refunds

All digital products and services are non-refundable.

In-person and online event fees are subject to the individual event terms and conditions, including cancellation and refund policies specific to that event.

Payment is required in full before access to any digital products or event confirmation.

3. Event Terms

Each leadership retreat, workshop, or event may have unique terms including refund deadlines, travel disclaimers, and participant responsibilities. Please refer to the specific event page or confirmation email for those details.

4. Intellectual Property

All content, course materials, and coaching resources provided by Combined Expertise are the intellectual property of Dr. Phildra Swagger and may not be copied, shared, or redistributed without written permission.

5. Limitation of Liability

We are not responsible for any indirect, incidental, or consequential damages that may result from the use of our services. Outcomes from coaching or events are not guaranteed and vary by participant.

6. Changes to Services

We reserve the right to update or discontinue services or content at any time. Any updates to these terms will be posted here.

7. Contact Information

If you have questions about these terms or need support, contact us at [email protected]