Last Updated: November 1, 2025
By enrolling in courses offered by Indaba Group, LLC (operated by Julie Murphy), you agree to these Terms and our Privacy Policy. Please read carefully before enrolling.
1. Enrollment & Access
Agreement: Course enrollment requires acceptance of these Terms & Conditions and our Privacy Policy. You must be 18+ to enroll.
Platforms: Courses are delivered through a hosting platform such as GoHighLevel (GHL). Live sessions use a communication platform such as Zoom or Google Meet.
Account: You are responsible for keeping login credentials secure. One enrollment = one user. Do not share access.
Access Duration: Course material access periods vary by program and will be clearly communicated upon enrollment. All deadlines and expiring timelines, including those for recording sessions, materials, and certification submissions, are specific to each program and binding once enrollment is confirmed. Indaba Group, LLC reserves the right to update, modify, or retire course programs with 90 days advance notice.
Technical Requirements: In order to participate in the course, you need internet, a compatible device, and email. For live sessions, you need Zoom capability.
2. Live Sessions & Recording Consent
By enrolling in courses with live sessions, you consent to:
● Being recorded on video and audio during live sessions
● Your name and image appearing in recordings
● Recordings being shared with enrolled students only
● Recordings used solely for educational purposes
Your Options: You may turn off your camera or use a first name only. If you do not consent to recording, unfortunately you will not be able to participate in the live sessions, which are fundamental to the official certification.
You May Not: Record sessions yourself, share recordings, or use them commercially.
3. Payment & Refunds
Payment: Full payment due at enrollment. Payment plans may be available for some courses, as detailed in the course information.
Refund Policy:
All payments are in USD and are non-refundable. If there is a course-specific refund policy, details of such will be provided in the course information. Requests are assessed on a case-by-case basis at the discretion of Indaba Group, LLC.
4. Intellectual Property
You May: Access content during enrollment, download designated materials for personal use, practice techniques personally or professionally.
You May NOT: Share, copy, reproduce, sell, or distribute course materials. Record or screenshot content. Teach our copyrighted content without certification and permission.
Ownership: All course content is owned by Indaba Group, LLC and protected by copyright law. We reserve the right to update, edit, or remove course content at our discretion to ensure quality and accuracy. While we strive to maintain content availability, we cannot guarantee that any particular course or content will remain available indefinitely.
5. Liability Waiver & Assumption of Risk
IMPORTANT - READ CAREFULLY:
You Acknowledge:
● Meditation and deep relaxation practices may bring up intense feelings, memories, or psychological experiences
● These practices are not a substitute for mental health treatment
● You voluntarily assume all risks of participation
● You are responsible for practicing within your own limits and comfort level
● You will consult your healthcare provider before starting a meditation and/or deep relaxation practice, especially if you have mental health conditions, trauma history, dissociative disorders, or psychological concerns
You Release & Hold Harmless:
Indaba Group, LLC, and Julie Murphy, from ANY liability, claims, or damages arising from your participation, including injury, illness, or death.
You Agree:
● This course is NOT medical advice or treatment
● You have medical clearance to participate OR have consulted your doctor if required
● You will modify or stop if anything causes pain or distress
● You understand this course does not guarantee results or outcomes
Maximum Liability: Our total liability is limited to the amount you paid for the course.
6. User Conduct
Do: Use courses respectfully and lawfully. Treat instructors and students with respect.
Do not: Violate laws, infringe copyrights, harass others, hack systems, share false information, or use courses for unauthorized commercial purposes.
Consequences: Violations may result in immediate termination without refund.
7. Termination
You: May stop using services anytime.
Us: May terminate your access for violations of Terms & Conditions, prohibited activities, or if we discontinue services.
Effect: Upon termination, access ends immediately. Outstanding payments remain due. No refunds unless otherwise stipulated in a course description.
8. Privacy & Data
Your privacy matters. The Privacy Policy below explains how we collect, use, and protect your personal information, including GDPR and CCPA compliance. By enrolling, you agree to our Privacy Policy.
9. Disclaimers & Limitations
"As Is" Basis: Courses provided as-is. We do not guarantee uninterrupted access, specific outcomes, or compatibility with all devices.
We Are Not Liable For:
● Technical issues, platform downtime, or third-party service failures
● Internet connectivity or device problems
● Indirect, consequential, or punitive damages
● Personal injury or illness from participation
● Decisions you make based on course content and/or course participation
Limitation: Our maximum liability is the amount you paid for the course.
10. Changes to Terms
We may update these Terms occasionally. Significant changes will be emailed to you. Minor updates will be posted on our website. Continued use after changes means acceptance.
11. Dispute Resolution
First: Contact us at connect [at] yogaressa [dot] com
Governing Law: Florida law applies.
Jurisdiction: Disputes resolved in Palm Beach, Florida, USA courts.
EU/UK Residents: You may also have rights under EU consumer protection laws and may bring proceedings in your country of residence.
12. General Terms
Entire Agreement: These Terms & Conditions and Privacy Policy constitute the complete agreement.
Severability: If any provision is unenforceable, others remain valid.
No Assignment: You cannot transfer your rights. We may assign ours.
Survival: Intellectual property, liability, and dispute sections survive termination.
Contact Us
Email: [email protected]
Address: Indaba Group, LLC, 7901 4th St N, Suite 300, St. Petersburg, FL, 33702, USA
Your Acceptance
By enrolling in courses offered by Indaba Group, LLC (operated by Julie Murphy), you confirm:
✓ You have read and understand these Terms & Conditions and our Privacy Policy
✓ You agree to the liability waiver in Section 5
✓ You consent to being recorded in live sessions (Section 2)
✓ You have medical clearance to participate in meditation practice, if required
✓ This is a binding legal agreement
✓ You accept voluntarily
Your use of the services offered by Indaba Group, LLC (operated by Julie Murphy), including the purchase of any course or product, constitutes your acceptance of these Terms & Conditions and the Privacy Policy.
Welcome to our community! We are honored to support your journey.
Last Updated: November 1, 2025
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you use our online courses and website.
1. Who We Are
Business Name : Indaba Group, LLC
Contact : connect [at] yogaressa [dot] com
Location : 7901 4th St N, Suite 300, St. Petersburg, FL, 33702, USA
For EU/UK Residents : We are the data controller responsible for your personal information.
2. What Information We Collect
Information You Give Us:
Account Information: Name, email address, password
Payment Information: Billing details (processed securely by our payment processor; we don't store full credit card numbers)
Profile Information: Any optional information you provide (e.g., experience level, interests, phone number)
Communications: Messages you send us, feedback, or support requests
Information Collected Automatically:
Usage Data: Which courses you access, progress through modules, time spent
Device & Browser Information: IP address, browser type, device type, operating system
Cookies & Similar Technologies: We may use cookies to improve your experience (see Section 8)
Information We Don't Collect:
We don't collect sensitive health information unless you voluntarily share it with us in communications.
3. How We Use Your Information
We use your information to:
Provide Our Services:
● Create and manage your account
● Deliver course content and track your progress
● Process payments and send receipts
Improve Our Services:
● Understand how students use our courses
● Fix technical issues
● Develop new features and content
Communicate With You:
● Send course updates and important information
● Respond to your questions and requests
● Send occasional emails about new courses (you can opt out anytime)
Legal & Security:
● Comply with legal obligations
● Prevent fraud and protect our services
● Enforce our Terms & Conditions
4. Legal Basis for Processing (GDPR)
If you're in the EU/UK/EEA, we process your data based on:
● Contract: To provide the courses you've enrolled in
● Legitimate Interests: To improve our services, ensure security, and communicate about our courses
● Consent: For marketing emails (you can withdraw consent anytime)
● Legal Obligation: To comply with tax, accounting, and legal requirements
5. How We Share Your Information
We don't sell your personal information. We only share it in these limited circumstances:
Service Providers: We work with trusted companies that help us operate our business:
● Payment Processors: [e.g. Stripe, PayPal] to process payments securely
● Email Services: [e.g. Mailchimp, HighLevel ] to send course communications
● Hosting Services: [e.g. HighLevel, YouTube, Bluehost] to host our website and courses
● Analytics: [e.g. Google Analytics] to understand website usage (anonymized where possible)
These providers are contractually obligated to protect your data and only use it for specified purposes.
Legal Requirements: We may disclose information if required by law, court order, or to protect our rights and safety.
Business Transfers: If we're acquired or merged with another company, your information may be transferred to the new owners.
With Your Consent: We'll share information for other purposes only with your explicit permission.
6. International Data Transfers
For EU/EEA/UK Residents: Your information may be transferred to and processed in countries outside the EU/EEA/UK, including the United States. When we do this, we ensure appropriate safeguards are in place:
● Standard Contractual Clauses approved by the EU Commission
● Service providers certified under relevant data protection frameworks
● Your data receives equivalent protection regardless of location
7. Your Privacy Rights
You Have the Right To:
● Access: Request a copy of your personal information
● Correct: Update inaccurate or incomplete information
● Delete: Request deletion of your account and data (subject to legal retention requirements)
● Opt-Out: Unsubscribe from marketing emails (service emails may still be necessary)
Additional Rights for EU/EEA/UK Residents (GDPR):
● Restrict Processing: Limit how we use your data in certain circumstances
● Data Portability: Receive your data in a machine-readable format
● Object: Object to processing based on legitimate interests
● Withdraw Consent: Withdraw consent for marketing or other consent-based processing
● Lodge a Complaint: File a complaint with your local data protection authority
Additional Rights for California Residents (CCPA):
● Know: What personal information we collect, use, and share
● Delete: Request deletion of your personal information
● Opt-Out: Opt-out of the "sale" of personal information (we don't sell data)
● Non-Discrimination: Exercise rights without discrimination
How to Exercise Your Rights: Email us at connect [at] yogaressa [dot] com with your request. We'll respond within 30 days (or as required by applicable law).
8. Cookies & Tracking Technologies
What Are Cookies? Small text files stored on your device that help websites function and remember your preferences. The information does not usually directly identify you, but it can give you a more personalized web experience.
How We May Use Cookies:
● Essential Cookies: Required for login, course access, and security (cannot be disabled)
● Analytics Cookies: Help us understand how you use our site (e.g., Google Analytics)
● Preference Cookies: Remember your settings and preferences
Your Cookie Choices:
● Most browsers let you block or delete cookies through settings
● Blocking essential cookies may affect course functionality
9. Data Security
We take security seriously and implement appropriate measures:
● Encryption (SSL/TLS) for data transmission
● Secure password storage
● Limited employee access to personal data
● Secure payment processing (PCI-DSS compliant processors)
However, no system is 100% secure. You're responsible for keeping your password confidential.
10. Data Retention
How Long We Keep Your Data:
Account Data: As long as your account is active, plus 7 years after closure for legal/business purposes
Payment Records: As required by tax and accounting laws (typically 7 years)
Marketing Data: Until you unsubscribe or request deletion
Usage Data: Typically 2-3 years for analytics purposes
We'll delete or anonymize data when no longer needed.
11. Children's Privacy
Our services are not directed at children under 16 (or under 13 in the US). We don't knowingly collect information from children. If you're a parent and believe your child has provided us with information, please contact us, and we'll delete it.
12. Third-Party Links
Our website may link to external sites. We're not responsible for their privacy practices. Please review their privacy policies.
13. Changes to This Privacy Policy
We may update this policy occasionally to reflect changes in our practices or legal requirements. We'll notify you of significant changes via:
● Email to your registered address
● Notice on our website
Continued use after changes indicates acceptance of the updated policy.
14. Contact Us
Questions or Concerns? We're here to help.
Email: [email protected]
For EU/EEA/UK Residents:
You also have the right to lodge a complaint with your supervisory authority:
UK: Information Commissioner's Office (ico.org.uk)
EU: Your country's data protection authority
Find your authority: https://edpb.europa.eu/about-edpb/board/members_en
Your use of the services offered by Indaba Group, LLC, including the purchase of any course or product, constitutes your acceptance of these Terms & Conditions and the Privacy Policy.
Thank you for trusting us with your information. We're committed to protecting your privacy while delivering valuable meditation education.