Life Coaching
By
Cheryl Ruth
Terms & Conditions
Website Terms and Conditions of Use with Disclosures and Disclaimers
By visiting and using this website, you agree that you have read, understood, and agree to the following Terms and Conditions of Use (“Terms”). These Terms govern the use of www.cherylruth.com, operated by Life Coaching by Cheryl Ruth (“we,” “us,” or “our”), an independent coaching service based in New York.
1. Intellectual Property
This website includes materials protected by intellectual property laws, including without limitation written text, logos, photos, videos, music, art, designs and/or graphics.
You may view, and (if permitted) download, print and email, materials from this website for your own personal purposes or your own business only. You may not republish, reproduce, duplicate, copy, sell or make derivative works from any materials on this website. Any reproduction or unauthorized use of any materials found on this website shall constitute infringement.
2. Contact Form and Submissions
If you contact Life Coaching by Cheryl Ruth through a contact form, email, or other submission method on this website, you represent that the information you provide is accurate and that you have the right to provide such information.
Any information you submit through the website may be used to respond to your inquiry or provide information about coaching services. Information submitted through this website, including through contact forms or email, may not be secure and should not be considered confidential. Visitors should not submit sensitive medical, mental health, or personal information through the website. Submission of information through the website does not create a coaching relationship, doctor–patient relationship, or any other professional relationship. A coaching relationship is established only after both parties have entered into a signed coaching agreement.
3. Visitor Behavior on Website
Website users and visitors are strictly forbidden from the following:
• Causing damage to this website
• Using this website for any unlawful, illegal, fraudulent or harmful purpose or activity
• Using this website to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger or other malicious software
• Using this website to transmit, send or deliver unsolicited communications or for other marketing or advertising purposes
• Systematically or automatically collecting data from this website
• Sharing private and proprietary information from online courses with anyone else
Life Coaching by Cheryl Ruth may, without notice, refuse access to its website, in whole or part, to any person who fails to comply with these Terms.
4. DISCLAIMERS
This website provides information only, and does not provide any financial, legal, medical or psychological services or advice. None of the content on this website prevents, cures or treats any mental or medical condition. You assume full responsibility for your decisions and actions taken based on information from this website. Life Coaching by Cheryl Ruth disclaims any liability for your reliance on any opinions or advice contained in this website. By using this website and any coaching services, you acknowledge that you are responsible for your own decisions, actions, and results. Any implementation of ideas or strategies from this website is done at your own discretion and risk.
This website provides educational and informational content related to personal development and life coaching. The information provided on this website should not be interpreted as medical advice, mental health treatment, psychotherapy, or counseling.
Although the creator of this website is a licensed physician, the services offered through this website are strictly non-medical coaching services. No doctor-patient relationship is created through the use of this website, submission of forms, email communication, or participation in coaching services. Any reference to the creator’s medical background is provided for informational purposes only and does not imply that medical services are offered through this website or through coaching services.
The information on this website is not intended to diagnose, treat, cure, or prevent any disease or medical or psychological condition. Individuals should consult their own physician or qualified healthcare professional regarding any medical concerns. Life coaching is not a substitute for psychotherapy, mental health care, or medical care.
This website and any coaching services offered are not intended to provide emergency or crisis support. If you are experiencing a medical emergency, mental health crisis, or are in immediate danger, you should contact emergency services or a qualified healthcare or mental health professional immediately.
This website is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, financial advisor, or medical professional. You should consult with a professional if you have specific questions about your own unique situation. Coaching services provided through this website focus on personal growth, goal clarification, and personal development strategies. Coaching does not provide medical care, mental health treatment, or legal advice.
Your use of this website, including submitting a contact form, sending an email, or subscribing to communications, does not establish a coaching relationship with Life Coaching by Cheryl Ruth. A coaching relationship is formed only after both parties have signed a formal coaching agreement.
The content on this website, including articles, resources, and coaching materials, is provided for educational and informational purposes only. It is not intended to provide individualized advice or recommendations tailored to your personal circumstances.
This website may reference spiritual or philosophical concepts as tools for personal reflection and growth. These references are offered for educational purposes only and are not intended as religious instruction.
5. ELIGIBILITY
This website and the coaching services described on it are intended for individuals 18 years of age or older. By using this website, you represent that you are at least 18 years old. Life Coaching by Cheryl Ruth does not knowingly collect personal information from individuals under the age of 18.
6. IMPORTANT EARNINGS DISCLAIMER - NO GUARANTEE OF RESULTS OR EARNINGS
You agree that Life Coaching by Cheryl Ruth has not made and does not make any specific representations about the earnings or results you may receive. Life Coaching by Cheryl Ruth cannot and does not guarantee that you will achieve any particular result or earnings from your use of the website, and you understand that results and earnings differ for each individual.
7. Links to Third-Party Products, Services, or Sites
Any links to third-party products, services, or sites are subject to separate terms and conditions. Life Coaching by Cheryl Ruth is not responsible for or liable for any content on or actions taken by such third-party company or website. Although Life Coaching by Cheryl Ruth may recommend third-party sites, products or services, it is your responsibility to fully research such third parties before entering into any transaction or relationship with them.
8. NO WARRANTIES
THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, Life Coaching by Cheryl Ruth DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Life Coaching by Cheryl Ruth DOES NOT WARRANT THAT THIS WEBSITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Life Coaching by Cheryl Ruth SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE, INCLUDING ITS MATERIALS, PRODUCTS OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THIS WEBSITE.
9. General Provisions and Waiver of Class Actions
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of laws principles. The nearest state and federal court to New York, New York shall have exclusive jurisdiction over any case or controversy arising from or relating to this website, including but not limited to the Privacy Policy or these Terms. By using this website, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non conveniens. The parties waive any right to bring claims as part of a class or collective action and agree to limit any litigation to individual claims they may have against one another.
If any provision of these Terms is held invalid or unenforceable, the remainder of these Terms will remain in full force and the invalid or unenforceable provision will be replaced by a valid or enforceable provision. The prevailing party in any dispute between the parties arising out of or related to these Terms, whether resolved by negotiation, mediation, or litigation, shall be entitled to recover its attorneys’ fees and costs from the other party.
This is the entire agreement of the parties, and reflects a complete understanding of the parties with respect to the subject matter. This agreement supersedes all prior written and oral representations.
Life Coaching by Cheryl Ruth may change, modify or update these Terms at any time without notice. Any access or use of this website by you after Life Coaching by Cheryl Ruth posts such changes shall constitute consent of such modifications. If you have any questions or concerns about these Terms, contact cheryl@cherylruth.com.
Life Coaching by Cheryl Ruth controls and operates this website from offices in the United States. Life Coaching by Cheryl Ruth does not represent that materials on this website are appropriate or available for use in other locations. People who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
Updated on March 18, 2026.