By entering into a contract with us, you agree to these terms and conditions and also to the terms and conditions for the use of our website.

We intend to rely on these written terms and conditions, so please contact us before agreeing to them if you are not clear about what they mean. We will put any changes, that we agree, in writing to you.

Use of our Services

1. Our Services

We are not licensed medical practitioners unless otherwise stated, but we are complementary and alternative health practitioners, with a background of NLP, Hypnotherapy, EFT, MATRIX Reimprinting, Meta Consciousness, and a trained Master Trainer of EFT, MATRIX Reimprinting, Meta Consciousness. Our associates are all trained to certification level.

Please be aware that our services, and any information on our website, or associated web-sites, is not intended to be a substitute for appropriate, qualified medical care from doctors or other health-care providers. Neither the services that we provide, nor the information on our website, are intended to be used to diagnose, treat, cure or prevent any disease or psychological disorder.

We strongly advise you to seek professional advice before making any decisions regarding your health, or before deciding to discontinue the use of prescribed medicines or treatment.

You understand that your choice to use any of our services is of your own free will and not subject to any outside pressure.

Although EFT/Matrix Reimprinting is generally considered an easy and gentle technique to use, you further understand that if you choose to use these Tapping techniques, it is possible that emotional or physical sensations or additional unresolved memories may surface which could be perceived as negative side effects. Emotional material may continue to surface after using EFT/Matrix Reimprinting, indicating other issues may need to be addressed. Previously vivid or traumatic memories may fade which could adversely impact your ability to provide detailed legal testimony regarding a traumatic incident.

This web-site offers EFT as self-improvement material for educational purposes to offer information on other complementary options to help you in your quest for self-development, optimum health and well-being. You may wish to discuss this information with your healthcare providers before implementing any changes.

All the information presented here on this, and associated web-sites, is based upon the experiences and research of the author(s).

EFT/Matrix Reimprinting has produced remarkable clinical results for the relief of emotional and physical distress. EFT appears to have promising mental, spiritual, and physical health benefits but has yet to be fully researched by the Western academic, medical, and psychological communities. Although research into how and why EFT works is ongoing, as EFT has only been used in its current form since the mid-1990s it may be considered a relatively new healing approach and thus still in the experimental stage. Therefore the extent of its effectiveness, as well as its risks and benefits are not yet fully known and all users of EFT, both practitioners and laymen, must take complete and personal responsibility for their use of it.

2. 1 to 1 sessions

As part of your signing up to Change Ahead workshops or partnering with one of Change Ahead’s Associate practitioners of your choice, on your self healing journey, you have entered into a contract with us – energetically, emotionally, spiritually, biologically, legally + financially. You are committing to a path of growth and transformation and knowledge. At Change Ahead we are committed to your success.

We understand that once you turn up and see what is available to you in the online workshops or immerse yourself in the physical workshop, or choose to engage in 1-1 sessions, you will realise that it is not a “push button for instant success and instant transformation”. Instead, it requires dedication and commitment, you may wish to press the eject button and return to where you were before, however that is your choice and we at Change Ahead will choose to walk alongside you without judgment, with encouragement and compassion, as this is all about togetherness.

We are here to enable expansion. We understand it is hard work. We will fulfill our service promises to you – providing you with workshops, support and access to beautiful safe spaces for yourself and other like-minded people on similar journeys. In return, you must fulfill your end of the bargain by completing the work in whatever way that will be for you and seeing the results happen in your life, in the timeframe that we invite you. If you cannot commit to the timeframes, please advise Change Ahead as soon as possible to assist us in assisting you in seeking other alternatives. Remember, this is a journey we are on together.

We want you to succeed. You’ve asked us to help you. We can work together to take to take these baby steps to becoming aware of limiting beliefs and transformation and awareness. This is where the real change can happen – when you persevere, and commit, and transform the fear. With many beautiful tools we will and can guide you.

Our request to you – give us feedback (penny@changeahead.biz) about what you want to see next in the upcoming training or what you’d like to see differently. We’ll do everything in our power to make that happen.

There is much for you to do, learn, grow and see results from inside yourself and for your clients, friends and family. Mainly from YOU. What else is possible?

3. Attending our Workshops

You agree to assume and accept full responsibility for any and all risks associated with your use of EFT/Matrix Reimprinting AND any other modalities, and to not go where you have no right to be, e.g. you should never try to treat psychotic or other seriously ill people, unless you are qualified to do so.

You agree and understand that the information presented is only for your own personal use. In order to use EFT/Matrix Reimprinting, META Consciousness with others, you understand you need to become sufficiently trained and qualified as an EFT/Matrix Reimprinting/META Consciousness practitioner. We accept no responsibility or liability for the use or misuse of the information contained in this product or on any associated web-sites, other than for any death or personal injury arising from our negligence.

If ever you are in doubt, you should always seek the help of a qualified medical practitioner.

Please Note: EFT/Matrix Reimprinting is a very flexible process; this web site and any other EFT information that Penny Croal Change Ahead Ass shares represents her own views or Change Associates Practitioner views and does not necessarily reflect those of EFT founder, Gary Craig, nor of Karl Dawson Creator of Matrix Reimprinting, nor Rob Williams Founder of Psych-k nor Bandler/Grinder Founders of NLP nor any other body named on this website. Meta Consciousness is not a therapy merely an analytical tool to direct you to the underpinning of innate knowledge from the body based on NGM.

In a pure EFT/Matrix Reimprinting session there is no diagnosis or prognosis. It can be given in conjunction with any other treatments, HOWEVER it is not a treatment. In Meta Consciousness, once you have a medical diagnoses then Change Ahead Associates can offer you further analysis of the root cause and work with you for a bespoke strategy plan to self heal.

Payment and cancellation

1. Payment

Regular offers cannot be used with further offers, discounts or be shared by anyone else.

Cash or Personal Cheque with Bankers Card, Credit Card in person, Stripe, GoCardless, Bankers Draft or BACS Transfer are all acceptable methods of payment, however PayPal is our preferred payment choice.

By clicking ‘pay deposit’ or ‘pay now’ you make an offer to enter into a contract with us, subject to these terms and conditions, which you have read. A contract comes into existence when we accept your offer by sending a welcome letter.

We do not currently penalise for payment plans but we need your commitment to pay monthly by direct debit/paypal. These payments can be taken automatically from your credit card or bank account. If these payments are delayed, you will be charged a £15 administration fee for each month of non-payment and we may also add interest at the statutory rate.

We reserve the right to seek recovery of any monies remaining unpaid sixty days from the date of invoice via collection Agencies and/or through the Court . In such circumstances, we will claim any reasonable additional costs that we have incurred and/or court costs and statutory interest.

2. Cancellation of contracts for 1 to 1 Sessions or Workshops

You have a right to cancel our contract within 14 days from the day after we agree it with you, without giving any reason.

To exercise the right to cancel you must inform us of your decision by a clear statement sent by phone, letter or email. You may use the model cancellation form but you do not have to.

You will have met the deadline to cancel if you have sent your communication to us before the cancellation period has expired.

If you cancel this contact, within the cancellation period, we will refund any payments that you have made to us within 14 days of you informing us of your wish to cancel. We will refund using the same means of payment that you originally used, unless you have expressly agreed otherwise. You will not incur any fees for cancelling within the cancellation period.

If you have agreed to attend a 1 to 1 Session or a Workshop during the cancellation period, we will deduct an amount from any refund which is in proportion to what has been performed up to the point when you gave us notice of cancellation, in comparison with the full coverage of the contract.

Once the above cancellation period has expired, we reserve the charge you in the following circumstances:

• You cancel an online or phone 1 to 1 session less than one day before the session start time
• You do not attend a 1 to 1 session at the agreed date and time – we will wait 15 minutes from the agreed time before treating your absence as a no show

If you cancel a workshop booking, a cancellation fee will be charged, as follows:

• Up to 6 weeks prior to the workshop – 20% of the full course fee
• Up to 4 weeks prior to the workshop – 50% of the full course fee
• Up to 2 weeks prior to the workshop – 100% of the full course fee
• If we are able to refill your place – a cancellation fee of £50 will be charged

Please note that 1 to 1 sessions or workshops that you purchase under your name can only be used by you and are non-transferable i.e If you purchase 5 sessions it will be for 5 sessions on your account and cannot be transferred to another client’s account.

3. Cancellation of contracts for goods

You have a right to cancel this contract, the cancellation period will end 14 days after the day that you take delivery of the goods. You do not have to give any reason for cancelling.  You will not have the right to cancel if you are entering into our contract for the purposes of your business”

To exercise the right to cancel you must inform us of your decision by a clear statement sent by phone, letter or email. You may use the model cancellation form but you do not have to.

You will have met the deadline to cancel if you have sent your communication to us before the cancellation period has expired. You will bear the costs of returning the goods.

If you cancel this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you. You will lose your right to cancel if you unseal a DVD that we have supplied you.

We will make the reimbursement without undue delay, and not later than:

• 14 days after the day we receive back from you any goods supplied, or
• (if earlier) 14 days after the day you provide evidence that you have returned the goods.

We will refund using the same means of payment that you originally used, unless you have expressly agreed otherwise. You will not incur any fees for cancelling within the cancellation period.

Contract – General
1. Limitations and exclusions of liability

1.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from negligence;
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.

1.2 The limitations and exclusions of liability set out in this Section 1 and elsewhere in these terms and conditions:
(a) are subject to Section 1.1; and
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of our contract, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in this disclaimer.

1.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.

1.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

1.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

1.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.

1.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.

2. Severability

2.1 If a term of this contract is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

2.2 If any unlawful and/or unenforceable term of this contract would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

3. Law and jurisdiction

3.1 This contract shall be governed by and construed in accordance with English law.

3.2 Any disputes relating to this contract shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

4. Our details

4.1 Your contract is with Penny Croal.

4.2 Our principal place of business is at 3 Chichester Road, Sandgate, Folkestone, CT20 3BN.

4.3 You can contact us:
(a) by post, using the postal address given above;
(b) using our website contact form;
(c) by telephone, on the contact number published on our website from time to time; or
(d) by email, using the email address published on our website from time to time.