for the 40+ woman!

Terms and Conditions

1. Participation in On-line Programs
Please note that participation in all programs offered by McCoy Fitness & Health is at the discretion of the participant. McCoy Fitness is not responsible for injury to participant, as the participant recognizes that by signing up for an online program, in which Karen is not there in person to run and oversee each individual, it is then the individual’s responsibility to work within, and recognize, their own personal physical limitations and differences. It is highly recommended that participants receive full clearance from their doctors to participate in training of any sort, and on-line training as well. Participants will be working within various gyms across the countries, and with varying equipment. While McCoy Fitness do their best to answer all questions and concerns regarding these variances, ultimately, it is up to the participant to work around the particulars and limitations within their own gym setting.  McCoy Fitness & Health is not responsible for any injuries incurred while participants are on the program(s).

2. Registration-10 and 12 Week Challenges
Registrations for online programs (10 and 12 Week Challenges) are accepted on a first-come, first-served basis. Spaces for program participants may be purchased at any time throughout the year. This guarantees your spot in the next upcoming Challengers program. If clients decide to forgo their participation in the program, they can either suspend their participation until the next challenge, with permission from Karen, or they can cancel one week prior to the start of the Challenge to receive a full refund. McCoy Fitness reserves the right to cap participants at whatever number is appropriate.

3. Payment–10 and 12 Week Challengers
The Challenger’s fees  may be paid at any time throughout the year. With this purchase, the client is offered a free Trial of the Warrior Woman Group Coaching Program – WWCP (formerly the Healthy Living Program) and will be automatically put into the current month’s workout at the end of the Challenge, and clients will have free access to that month’s workout until the end of that month. It is up to the client to cancel out of the on-going monthly program with the unsubscribe button at the bottom of the automated emails, or via email to McCoy Fitness. Please allow 24-48 hours for cancellation. By signing this terms and conditions at the start of the WWCP or Challenges, the client understands and abides by this policy.

4. Refund Policy – Challenges
There are no refunds within the week leading up to the first week of the start date of the Challenge. This is necessary to ensure a smooth start for all participants of the Challenge, and to also allow for any wait listed clients to be able to take that available spot in the Challenge. Upon cancellation, participants will be removed from all correspondence lists, and also removed from the private Challengers Facebook Page.). If clients failed to access or use the program and its information and lessons that is up to their own discretion and no refund will be given under these circumstance. It is up to the client to ensure they access all weekly lessons, coaching calls and other uploads within the program’s timelines as described.

5. Cancellation Policy– Warrior Woman Group Coaching Program – WWCP (formerly the Healthy Living Program)
Upon sign up to the monthly WWCP, clients will be registered and will start receiving info within a 24 hour period. This will continue until such time as the client cancels out, which is up to the client to do (please contact Pay Pal if you don’t know how to cancel out. They can be reached at and are very easy to talk to!) Once the client cancels out, the client will immediately be taken out of the Program, at that specific time of cancellation, and all web site access relating to the WWCP, our private Facebook page and all other supports within the WWCP. We cannot cancel you out if you say, “I’ve paid for another month, so can you cancel me in 3 or 4 weeks time.” When a client cancels, they are taken out of all programs immediately. McCoy Fitness will not schedule a future cancellation time.

6. $1 TRIAL Offers, FREE MONTH Offers,  or other Discounted Offers
With any marketed discounts or specials to any of Karen’s on-line programs, the policies around the promotion will be as such: for example, if a $1 TRIAL offer is offered to clients, for, say, a Month / 30-day period (or however long the campaign is), the client will be charged that nominal feel (in this case $1), as laid out in the campaign, and after the TRIAL period is over, the user’s credit card will be charged the regular fee for the program they have signed up for in the TRIAL offer. If the client enters a FREE MONTH trial of the program, they will be asked to pay the usual monthly fee, and will be fully refunded asap on that month, and, as in the previous example, the user’s credit card will be charged the regular monthly fee for the program. In either scenario, it is up to the client to cancel out of the Program they have signed up for, through Pay Pal (if they need help, they can contact staff, and we can help them with this, but it will be on our schedule). Once they cancel, they will be terminated from all program points of access, and all emails, usually within 24 hours. McCoy Fitness will not be asked to schedule in cancellation at a later time, as determined by the client, rather, they will be immediately removed at the time of cancellation.

As with all of McCoy Fitness’ other online participation parameters, the same rules will apply for the client, as the client’s responsibilities will remain the same in all areas of participation, refunds and cancellations, as outlined in the Terms and Conditions Policy.

7. Refund Policy – Monthly WWGC Program
There are no refunds offered on the Warrior Woman Group Coaching Program – WWCP (formerly the Healthy Living Program) for information not accessed in a timely fashion (per month, as the program dictates). If clients failed to access or use the program and its information and lessons, that is up to their own discretion. If clients wish to cancel, they may do so at any time through Pay Pal. Please contact

8. Refund Policy on Downloadable Programs and Products
All downloadable products (videos, audios, training programs etc) are paid in full up front, and there is no refund after purchase. The BLISS program and other such purchased programs and products that are downloadable for a certain amount of time, are not available after such time as indicated on the sales copy. It is up to the purchaser to ensure they download all products within the prescribed time, and differences in browsers, access etc. is the responsibility of the purchaser.

9. Credit Card Policy
All clients of any online programs with McCoy Fitness & Health must sign up with a valid credit card, or use a monthly debit withdrawal through Pay Pal, to access and sure the program(s). It is up to the client to ensure their credit card is up to date. Should their credit card need attention, Pay Pal will send them a reminder, and McCoy Fitness & Health may also send a courtesy reminder, but it is not McCoy Fitness & Health’s responsibility to do so, nor is it their responsibility to ensure clients’ credit cards are up to date. Should a client’s credit card need attention, it is up to the client to contact Pay Pal directly. McCoy Fitness & Health is not required, nor allowed, to do anything with a client’s credit card. If the client gets cancelled out, and wishes to return to the same program, they will purchase the program at the set price of that program at the time of the new purchase.

10. Access to information and Lessons within a Program
Content may be accessed at any time during the paid period, with the exception of the Challenge, in which content will be offered on a week to week basis, and previous weeks’ content may or may not be available for viewing, and is up to the discretion of McCoy Fitness & Health. Upon completion of the Challenge, or upon cancellation of the Warrior Woman Group Coaching Program – WWCP (formerly the Healthy Living Program) , access to all content – videos, emails, Facebook etc. – will be closed immediately at the time of the client’s cancellation.

11. Privacy and Ownership of Material
All videos and written material is the property of McCoy Fitness & Health and may not be distributed or used without written consent. All videos, downloads and purchased programs are the sole ownership of McCoy Fitness & Health and cannot be distributed without permission from Karen McCoy.

For More Information
If you have any questions about our Terms and Conditions, please email Karen at