PATTERN HACKING – TERMS & CONDITIONS

Last Updated: 2 November 2026

These Terms & Conditions (the "Agreement") is a legally binding contract entered into by and between you ("Client", "you", or "your") and Pavlo Pysarchuk, trading as Pattern Hacking, with a principal place of business at Suite 11034, 26–27 Upper Pembroke Street, Dublin 2, D02 X361, Ireland ("we", "us", "our", or "Pattern Hacking").

This Agreement applies when you register for a free webinar or live event, use our free content, book a call with us, or purchase any Pattern Hacking program, coaching, training, course or digital product (each a "Program"; a Program you do not pay for is a "Free Program"). By registering for or purchasing a Program, you expressly acknowledge, understand, and agree to be bound by the terms and conditions outlined below.

Program-Specific Terms: Each Program is described on its registration or sales page, at checkout, or in a written agreement with you (the "Program Terms"). Where the Program Terms differ from this Agreement, the Program Terms apply to that Program.

Eligibility

By registering for or purchasing a Program, you confirm that you are at least eighteen (18) years old, have the legal capacity to enter into this Agreement, and are registering for or purchasing the Program for your own use, including use in your own business, and not for resale or redistribution, unless we have agreed otherwise in writing.

1. The Services & License

Scope of Program: What each Program includes is set out in its Program Terms.

Free Webinars and Live Events: Free Programs are delivered live online, usually via Zoom, at the date and time shown when you register. They are not recorded for participants unless we tell you otherwise. Registering for a Free Program does not oblige you to buy anything. We may reschedule or cancel a Free Program, in which case we will try to let you know by email.

Access & Replays: Where a Program includes recordings or replays, you will have access to them for the period stated in its Program Terms. When that period ends, your access automatically expires.

Grant of License: You are granted a personal, non-exclusive, non-transferable, revocable license to access and view the Program materials for your own use, including applying what you learn in your own business. You may not transfer, assign, resell, gift, or share your Program access, Zoom links, replay links, workbook, or other materials with another person without our prior written permission.

Program Changes: We will make reasonable efforts to deliver the Program as described. However, dates, times, delivery platforms, session structure, or individual components may be changed where reasonably necessary due to technical issues, illness, platform outages, operational needs, force majeure events, or circumstances outside our reasonable control.

2. Payment, Instalments, & Failed Billing

Fees: For a self-paced digital Program sold directly from a sales page, including The Pattern Hacking Program, the price is shown on that page and at checkout before you pay. For every other paid Program the fee and how it is paid (in full or in instalments) are agreed with you on a call and confirmed in writing or at checkout. In both cases you agree to pay that fee in the way agreed.

Taxes: Prices are in euro. Where VAT or an equivalent sales tax is due on a sale to you, it is shown at checkout before you pay and is charged in addition to the price unless the price is stated as including it.

Instalment Authorisation: If you choose to pay in instalments, you authorise us to automatically charge your credit card, debit card, or selected payment method for each remaining instalment on the dates shown at checkout or in your written agreement.

Failed Payments: If a payment fails or is declined, your access to the Program, including live Zoom links, sessions, workbooks, and replays, may be immediately suspended. Access will only be reinstated once the outstanding balance is successfully cleared. Suspension of access due to late payment does not extend or reset any access period.

**3. Refunds, Guarantees & Cancellation

General Policy: Due to the digital and live nature of our Programs, the delivery of live online training, coaching sessions, replay access, workbook materials, and the immediate allocation of resources, payments are generally non-refundable once access has been provided, subject always to any mandatory statutory consumer rights that cannot legally be excluded.
Program Guarantees: Some Programs come with a refund policy or guarantee of their own (for example, a guarantee agreed with you in writing for a coaching program). Any such guarantee applies only on the conditions set out in its Program Terms or written agreement, and does not limit your statutory rights.

No Refunds for Non-Use: Failure to attend live sessions, watch replays, complete assignments, open emails, access Zoom links, use the workbook, or participate in the Program does not entitle you to a refund, except where mandatory law provides otherwise.

Immediate Access and Cancellation Rights: Where you request immediate access to a Program, including live session links, the digital workbook, replay access, assignments, emails, and other digital materials, you expressly consent to the supply of digital content beginning during any applicable cancellation period and acknowledge that you may lose your statutory right to cancel in respect of that digital content once supply begins, to the extent permitted by law.

Statutory Consumer Rights: Nothing in this Refund Policy limits or excludes any statutory consumer rights you may have under applicable law.

3a. The Pattern Hacking Program — Program Terms

These terms apply to The Pattern Hacking Program, a self-paced digital Program bought from pattern-hacking.com/course. Where they differ from the rest of this Agreement, these apply to that Program.

What it is: Pre-recorded video lessons, organised into modules, with downloadable written materials. It is digital content. There are no live sessions and no coaching included.

Paying in instalments: Where checkout offers it, you can pay for the Program in monthly instalments instead of once (for example, 3 monthly payments of €99 instead of €297 once). The number of payments, the amount of each and the total are shown at checkout before you pay. The first payment is taken at checkout and gives you full access straight away; the rest are taken automatically on the same day of each following month, and the plan ends by itself after the last one. There is nothing to cancel and no renewal. If an instalment fails, your access is suspended until it is paid, as set out in section 2. If you use the 14-day guarantee below, we refund every instalment you have paid and cancel the ones still to come.

Credit towards 1:1 coaching: If, within 90 days of buying the Program, you agree a paid 1:1 coaching program with Pavlo, what you paid for the Program is deducted from the fee for that coaching. The credit is personal to you, can be used once, has no cash value and cannot be transferred or exchanged for money. It applies only to a coaching program agreed within those 90 days, and not if the Program was refunded.

Access: Access is granted automatically once your payment is confirmed by our payment provider, and is to the email address you paid with. You sign in with that address and a one-time code we email to you; there is no password. Access is personal to you and is not transferable. It continues for as long as we offer the Program; if we ever withdraw it, we will give you at least 30 days' notice by email so you can download the written materials.

Immediate access and your right to cancel: You get everything immediately. At checkout you make two separate choices, and both are required before the purchase can be completed: (1) you ask for immediate access to the course videos and downloads and acknowledge that, once access starts, you lose the statutory 14-day right to cancel this digital content, to the extent that EU and Irish law provide for this; and (2) you accept these Terms and confirm you have read the Privacy Policy. Both choices, the time you made them and the version of these Terms are recorded with your order, and the welcome email we send after your purchase confirms them.

14-day no-questions guarantee: Separately from, and in addition to, the statutory position above, we give you 14 days from the date of purchase to change your mind for any reason. Email [email protected], reply to your welcome email, or use the "Questions or requests about this program?" link at the bottom of the course pages within 14 days, and we will refund what you paid in full (if you pay in instalments, every instalment paid so far, and the rest are cancelled). You do not have to give a reason, fill in a form, or show that you have not watched it. Your access ends when the refund is issued.

After a refund or a chargeback: Issuing a refund, or a payment being reversed by your bank or card issuer, ends your access to the Program and signs you out. The written materials you downloaded while you had access remain subject to the licence and intellectual-property terms in this Agreement: they are for your own use and may not be shared or resold.

Progress and feedback: The Program records which lessons you have marked as complete, where you stopped in a video, and which files you downloaded, so it can show you your own progress and so we can see where the Program needs improving. At the end there is an optional feedback form. If you tick the box giving permission, we may quote your answer with your first name; if you do not, we will not.

Questions and requests: The course pages have a "Questions or requests about this program?" link. What you send there is emailed to us and kept on your customer record so we can answer it.

3b. Free 1:1 Calls — Program Terms

What it is: A free call with Pavlo, of the length shown when you book, to talk about where you are and whether working together could help. On the call we may explain our paid coaching and courses and their price. There is no obligation to buy, no charge for the call, and no coaching relationship unless we then agree one in writing or at checkout.

Booking: You book, reschedule or cancel through the links in your booking confirmation. If you do not attend a booked call without letting us know, we may decline to book another free call.

Recording: Every call is recorded (video, audio and chat). Zoom shows a notice when the recording starts, and by joining or staying on the call you agree to it. We use the recordings for our records, to prepare for and follow up on our work with you, and for training and improving our calls and services. If you do not want to be recorded, do not join the call and let us know.

Not advice: The call is a conversation, not professional advice; section 4 applies to it.

3c. Coaching Programs (Individual and Group) — Program Terms

What is included: The number and length of sessions, the period they run over, the price, how it is paid (in full or in instalments), what support you get between sessions and any guarantee are set out in your written agreement or at checkout (your "Program Terms"). Where these and your Program Terms differ, your Program Terms apply.

Sessions and rescheduling: Sessions are booked through the links we send you. You can reschedule a session if you give at least 24 hours' notice. A session missed, or cancelled with less than 24 hours' notice, counts as delivered, unless we agree otherwise. If we need to move a session, we offer you a new time; if we cancel a session and cannot offer a replacement, we refund that session.

Program period: Sessions not used by the end of the program period stated in your Program Terms expire, unless we agree an extension in writing.

Between sessions: Support between sessions is available only through the channels and at the times stated in your Program Terms. It is not an emergency service; section 4 explains what to do if you need urgent help.

Starting within 14 days of buying: If you ask us to start your coaching within the statutory 14-day cancellation period and then cancel within that period, you pay a proportionate amount for the sessions already delivered, and we refund the rest. Once the coaching has been fully delivered at your request, the right to cancel no longer applies.

Refunds: After that period, fees are not refundable, except under a guarantee given in your Program Terms or where mandatory law requires (section 3).

Group programs: Other participants' stories and contributions are confidential (section 6). Group sessions may be recorded and made available to the participants of that group as a replay, as described in section 6 and your Program Terms.

Recording: Every session, individual and group, is recorded (video, audio and chat). Zoom shows a notice when the recording starts, and by joining or staying on the session you agree to it. We use the recordings to provide your Program (including replays where your Program Terms include them), for our records, and for training and improving our calls and services. If you do not want to be recorded, tell us before the session.

**4. Disclaimers & Results Variation

Please read this section carefully before purchasing.

Educational and Informational Purposes Only: The opinions, mindset tools, emotional-regulation concepts, reflective exercises, and personal-development and business strategies taught in our Programs, webinars, calls, emails and social media are for motivational, educational, and informational purposes only. They do not constitute financial, business, legal, medical, or psychological advice.

Not a Substitute for Therapy: "Pattern Hacking" deals with personal development and mindset realignment. It is not a substitute for professional mental health care, psychotherapy, psychiatric care, or medical treatment. If you require mental-health, psychological, psychiatric, or medical support, please seek help from a qualified licensed professional.

The Program is not suitable as crisis support. If you are experiencing suicidal thoughts, self-harm thoughts, severe psychological distress, or any immediate risk to your safety or another person’s safety, you should contact emergency services or a qualified crisis-support service in your country immediately.

Testimonials and Examples: Any testimonials, stories, examples, or participant feedback shared on our website, sales page, emails, or during the Program are individual experiences and are not promises, guarantees, or typical-results claims.

No Guarantees of Success: Your results depend on your individual execution, dedication, and follow-through, and on circumstances outside our control. Except where a guarantee is expressly given in writing for a specific Program, Pattern Hacking cannot and does not guarantee specific physical, emotional, financial, business, or behavioural outcomes.

**5. Intellectual Property & Strict Non-Recording

Ownership of Content: All original materials, workbooks, recordings, slides, written content, graphics, training structure, branded framework names, exercises, and presentations delivered within our Programs (collectively, the "Content") are the exclusive intellectual property of Pavlo Pysarchuk / Pattern Hacking.

Prohibition on Recording: You are strictly prohibited from capturing, recording, ripping, downloading, or screenshotting any portion of the live Zoom sessions, webinars or replays using external software, mobile devices, or recording equipment.

Commercial Restriction: You may not modify, copy, reproduce, redistribute, republish, upload, or exploit any part of the Content to create your own coaching programs, courses, books, or commercial offerings. Violation of this clause may result in immediate termination of access without refund and may lead us to pursue any legal remedies available to us.

**6. Live Interaction & Audio/Video Release

Consent to Likeness: Because our Programs are interactive and live, your voice, video presence, chat box messages, and questions may be captured during live Zoom sessions where those sessions are recorded.

Replay Distribution: Where a Program includes replays, you understand and agree that its live recordings will be made available to the other registered participants of that Program, as described in its Program Terms.

Marketing Use: We will not intentionally use sensitive personal disclosures, private stories, or identifiable participant contributions in public marketing materials without asking for additional permission. If you voluntarily provide a testimonial, review, written feedback, or success story, you grant us permission to use that testimonial for marketing, educational, and promotional purposes, unless you clearly state in writing that it is private and not for publication.

Participant Confidentiality: You agree to respect the privacy of other participants. You must not share, publish, screenshot, record, quote, identify, or disclose another participant’s personal story, question, image, voice, name, chat message, or circumstances outside the Program without their clear permission.

Opt-Out Right: If you do not wish to have your face, voice, or name recorded for the replay archive, you should remain muted, keep your camera turned off, use a non-identifying display name where appropriate, avoid sharing personal information in the chat, or, where replays are offered, watch the replays instead of attending live.

**7. Client Conduct & Private Community Integrity
**Prohibited Behaviour: We do not allow harassment, hate speech, threats, abusive conduct, discrimination, intimidation, repeated disruption, or behaviour that we reasonably believe harms the safety, privacy, or experience of other participants.

No Poaching or Self-Promotion: You are strictly forbidden from pitching, advertising, or promoting your own products, coaching services, or digital groups to other participants during the live workshops or within any associated communication channels.

Termination for Conduct: We reserve the right to immediately remove you from any live session or Free Program and terminate your access permanently if you violate these conduct rules, without any obligation to issue a refund, except where mandatory law provides otherwise.

8. Privacy & Personal Data

We process personal data in connection with your registration, purchase and participation in our Programs, including your name, email address, phone number where you give it, payment status, attendance, submitted workbook materials, Zoom participation, chat messages, call bookings, and any communications you send to us.

For a self-paced digital Program we also process your sign-in activity, which lessons you have marked complete and where you stopped in a video, which files you downloaded, and any feedback you choose to give at the end.

We process this information to provide the Program, send you the joining details and reminders you registered for, manage access, process payments, deliver replays and materials, provide support, enforce these Terms, and comply with legal obligations.

For more information about how we collect, use, store, and protect personal data, please read our Privacy Policy at pattern-hacking.com/privacy.

9. Limitation of Liability

To the fullest extent permitted by law, Pattern Hacking and Pavlo Pysarchuk will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including loss of income, loss of profit, loss of opportunity, emotional distress, business interruption, or personal decisions made based on the Program.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to a Program or this Agreement is limited to the amount you paid for that Program.

Nothing in this Agreement limits or excludes liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, wilful misconduct, or any rights that cannot be excluded under applicable consumer law.

10. Changes to this Agreement
We may update this Agreement from time to time to reflect changes in our Programs, our business operations, legal requirements, or best practices. The version in effect at the time of your registration or purchase will apply to that Program unless a change is required by law or is clearly beneficial to you.

The latest version will be posted on our website or otherwise made available to you.

11. Governing Law & Jurisdiction
****This Agreement, its interpretation, and any disputes arising out of or relating to your participation in a Program shall be governed by the laws of Ireland.

Subject to any mandatory consumer protections that apply in your country of residence and cannot legally be excluded or limited by contract, both parties agree that the courts of Ireland shall have jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement.
**12. Miscellaneous Provisions

Entire Agreement: This Agreement, together with the Program Terms and any written agreement for a Program, represents the complete legal understanding between you and Pattern Hacking regarding that Program, overriding any prior marketing materials, emails, or verbal statements.

Severability: If any single clause of this Agreement is found to be invalid or unenforceable by an Irish court, that specific provision will be stripped away, and the remainder of the terms will remain in full force and effect.

Force Majeure: We will not be liable for delay or failure to perform where caused by circumstances beyond our reasonable control, including illness, emergency, internet outage, platform failure, cyberattack, fire, flood, storm, strike, war, civil unrest, government action, power failure, or other force majeure events. Where reasonably possible, we will take steps to minimise disruption or provide an alternative.

No Waiver: If we do not enforce any part of this Agreement immediately, this does not mean we waive our right to enforce it later.

Contact Support: For any billing inquiries, access issues, or technical assistance, you can reach our team directly at [email protected].
Payment Disputes: If you believe there has been a billing error, you agree to contact us first at [email protected] so we can attempt to resolve the issue promptly.

By registering for a Free Program, or by finalising your payment for a paid Program, you agree to be bound by all clauses above.