Terms and Conditions

1. Nature of the Service

My One Cent Worth provides personal perspectives, life experience, independent opinions, and general guidance through conversations. The service is intended to help individuals think through life situations, gain clarity, and explore different viewpoints.

The service does not provide:

• Medical advice or psychiatric diagnosis
• Mental health treatment or clinical therapy
• Psychological counseling
• Legal advice
• Financial, investment, or accounting advice

Any choices, decisions, or actions you take based on our conversations remain entirely your own personal responsibility.

2. No Guarantees

While I strive to provide thoughtful, sincere, and honest perspectives, I cannot guarantee specific outcomes, results, or solutions. Every person's situation is unique, and results will vary based on individual circumstances and application.

3. Booking and Payments

All consultation sessions must be booked in advance. Fees are clearly displayed before booking and must be paid in full according to the payment instructions provided at the time of scheduling.

4. Cancellations and Rescheduling

Clients may reschedule or cancel appointments with reasonable notice. Repeated missed appointments without notice may result in future bookings being declined or suspended.

5. Personal Responsibility

You acknowledge that any actions, decisions, or outcomes resulting from our discussions are your own responsibility. My role is to provide perspective, observation, and conversation, not to make decisions on your behalf.

6. Respectful Conduct

I reserve the right to refuse, suspend, or terminate a session immediately if a client behaves in a disrespectful, abusive, threatening, or inappropriate manner.

7. Intellectual Property

All content published on this website, including articles, text, code, graphics, branding, and logos, remains the property of My One Cent Worth unless otherwise stated. Content may not be copied, reproduced, or distributed without prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, My One Cent Worth and Tashi Khoo shall not be liable for any direct, indirect, incidental, special, or consequential losses, damages, or claims arising from the use of this website or the consultation services.

9. Changes to Terms

These Terms and Conditions may be updated periodically. Continued use of the website or booking of sessions constitutes acceptance of any revised terms.

10. Contact

If you have any questions regarding these Terms and Conditions, please reach out via the Contact page.