Terms
Effective date: 12 November 2026
Provider: Jackie Cowie , Yorkshire, United Kingdom. Contact: hello@jackiecowie.co.uk
1. About these terms
1.1 These terms apply when you join the Prosperity Path ("the Membership"). They form a contract between you and Jackie Cowie ("the Mentor").
1.2 You must be 18 or over to join.
1.3 You join by answering the membership questions on Skool, including typing "I agree" to accept these terms, and by paying through Skool. Your membership starts once the Mentor has approved you and your payment has been taken. Our Privacy Policy explains how we use your personal data.
2. What the Membership includes
2.1 Each month the Membership includes:
One live training call
One live Q&A call
A growing library of audio answers
A community of members
2.2 You can submit your question for the Q&A call in the post for that call date. If time allows, the Mentor will answer it on the call. The recording will include the answer.
2.3 Each month the Mentor turns questions that come up into short audio trainings for the library.
2.4 The Mentor may reschedule a call. If she does, she will give you 24 hours and the new time.
3. Not therapy, and informed consent
3.1 The Membership is coaching and mentoring in nature. It is not therapy, counselling, psychotherapy, medical advice or mental health treatment. The Mentor is not a healthcare professional in this role.
3.2 It is not a substitute for medical, psychological or other professional care. If you are in distress or crisis, please contact your GP, NHS services or emergency services. The Membership does not provide crisis support.
3.3 You are responsible for your own decisions, actions and results. No outcomes, including income, are guaranteed. You take part voluntarily.
3.4 You consent to spiritual, intuitive and reflective practices, including Akashic Records and Energy Body Method teachings. These are spiritual and exploratory in nature. They are not evidence-based medical or psychological treatments.
4. Fees and billing
4.1 The Membership costs £[88] per month, charged monthly in advance through Skool.
4.2 The Membership renews automatically each month until you cancel.
4.3 If the Mentor changes the price, she will tell you at least [30] days before the change takes effect. You may cancel before then and will not be charged the new price.
5. Cancelling
5.1 You can cancel at any time through Skool.
5.2 Cancelling takes effect at the end of your current billing period. You keep your access until then, and you won't be charged again.
5.3 When your Membership ends, your access to the calls, recordings, library and community ends.
5.4 Apart from clause 6 and your statutory rights, payments already made are not refunded, including for the part of a billing period that remains after you cancel.
6. Your 14-day right to cancel, and immediate access
6.1 If you join online, you have the right to cancel within 14 days of joining under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
6.2 When you join, you will be asked to type "I agree" to this statement in a membership question: "I expressly request immediate access to the Membership and its digital content. I understand that if I cancel within 14 days I must pay for the access I have used, in proportion to the full price, and that once the digital content has been provided with my consent I lose my right to cancel for that content."
6.3 Apart from this clause and your statutory rights, no refunds are given for change of mind, failure to attend calls or partial participation.
7. Where we fall short
7.1 If a live call is cancelled and not rescheduled, or the Mentor does not deliver what is described in clause 2, tell us and we will put it right. Nothing in these terms affects your legal rights.
8. Calls, recordings and the library
8.1 Live calls are recorded. By taking part, you agree to being recorded. If you would rather not be recorded, you can keep your camera and microphone off and put your question in the post instead.
8.2 Recordings and library content stay available inside the Membership for as long as you are a member.
8.3 All recordings, library content and materials are for your personal use only. You must not copy, record, share, sell or teach them without written permission.
8.4 All intellectual property in the Membership remains with the Mentor.
9. Community rules
9.1 Be respectful. Do not disrupt or interfere with other members' experience.
9.2 What other members share stays in the community. Do not screenshot, copy or share their posts, or their names, outside it.
9.3 Do not promote your own services in the community without the Mentor's written permission.
9.4 The Mentor may remove content, and may remove a member whose behaviour is inappropriate or disruptive, without refunding the current billing period unless the law requires it.
9.5 Other members can see what you post in the community, so please do not share health information or anything you are not comfortable sharing in a group. Confidentiality in a group cannot be guaranteed.
10. Your questions and posts
10.1 The Mentor may use questions and themes from the community and from calls, with names and identifying details removed, to create library trainings and content for the Membership.
10.2 If you don't want your question used in this way, tell the Mentor when you submit it by adding (anonymous) if written or verbally expressing as such.
11. Limits on liability
11.1 To the fullest extent permitted by law, the Mentor is not liable for indirect or consequential loss, loss of income, business or opportunity, or for decisions you make because of the Membership.
11.2 The Mentor's total liability is limited to the amount you have paid in the 12 months before the claim.
11.3 Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or anything that cannot lawfully be limited.
12. Changes and ending the Membership
12.1 The Mentor may make reasonable changes to the format, timing or structure of the Membership. She will tell you about significant changes in advance.
12.2 The Mentor may end the Membership entirely by giving you at least 30 days' notice.
13. Third-party platforms
13.1 The Membership runs on Skool. Skool's own terms and privacy policy also apply to your use of it.
14. General
14.1 These terms are the entire agreement between you and the Mentor about the Membership.
14.2 They are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.