Effective date: July 31, 2026

These Terms of Use govern access to and use of Mind Surfer’s Cove, including the website, written content, newsletters, courses, calls, workshops, group experiences, private guidance, recordings, downloads, books, and related services.

Mind Surfer’s Cove is operated by Eric Magnifico from Playa del Carmen, Quintana Roo, Mexico.

By using the website, submitting a form, booking a session, joining an event, creating an account, or purchasing a product or service, you agree to these Terms.

If you do not agree, do not use the website or services.

1. Contact Information

Business: Mind Surfer’s Cove
Operator: Eric Magnifico
Email: eric@mindsurferscove.com
Mailing address: Playa del Carmen, Quintana Roo, Mexico

A dedicated business mailing address will be published before paid ecommerce and regular commercial email campaigns begin.
Website: https://mindsurferscove.systeme.io

2. Eligibility

You must be at least 18 years old to purchase or participate independently.

A minor may participate only when:

• The specific service allows minors

• A parent or legal guardian provides informed consent

• Any additional requirements communicated by Mind Surfer’s Cove are satisfied

You agree that the information you provide is accurate and that you have legal authority to enter into these Terms.

3. Educational and Personal-Development Services

Mind Surfer’s Cove offers educational, mindfulness, awareness, reflection, and personal-development experiences.

Services may include:

• Guided mindfulness practices

• Meditation instruction

• Educational courses

• Group conversations

• Private conversations

• Workshops

• Written resources

• Recorded materials

• Books

• Community experiences

• Consultation

The services are intended to support reflection, awareness, decision-making, and personal practice.

4. Not Medical or Mental-Health Treatment

Mind Surfer’s Cove does not provide:

• Medical diagnosis

• Medical treatment

• Psychotherapy

• Psychiatric care

• Crisis intervention

• Legal advice

• Financial advice

• Emergency services

Eric Magnifico does not represent himself through this website as a physician, psychologist, psychotherapist, psychiatrist, or other licensed healthcare professional unless expressly stated otherwise.

Nothing on the website should be interpreted as diagnosing, treating, curing, or preventing any disease, disorder, or condition.

Advertising claims, particularly health-related claims, must be truthful, non-misleading, and supported by appropriate evidence. Mind Surfer’s Cove therefore does not guarantee medical, psychological, financial, spiritual, relationship, or life outcomes.

Do not delay or discontinue professional care because of information received through Mind Surfer’s Cove.

If you are experiencing an emergency or believe you may harm yourself or another person, contact local emergency services or an appropriate crisis service immediately.

5. No Guaranteed Outcomes

Personal development depends on many factors outside the control of Mind Surfer’s Cove, including:

• Your participation

• Your circumstances

• Your choices

• Your consistency

• Your support system

• Your physical and mental health

• Events outside anyone’s control

Testimonials, examples, stories, and client experiences illustrate individual experiences only. They do not guarantee that another person will receive the same result.

Insight is not a warranty.

6. Personal Responsibility

You remain responsible for:

• Your decisions

• Your actions

• Your health and safety

• Your relationships

• Your financial choices

• Whether a program is appropriate for you

• Seeking qualified professional support when needed

• Communicating relevant limitations or concerns

• Leaving or declining any exercise that does not feel appropriate

Participation is voluntary.

You agree not to use Mind Surfer’s Cove as a substitute for professional care that your circumstances reasonably require.

7. Bookings and Attendance

Booking availability is displayed through the website calendar.

You are responsible for:

• Selecting the correct date and time

• Checking the displayed time zone

• Providing an accurate email address

• Maintaining access to the email account used for booking

• Ensuring you have a stable internet connection

• Joining the meeting on time

• Using the supplied Google Meet or other meeting link

A booking is not confirmed until the confirmation page or confirmation email is issued.

Late arrival may reduce the available session time.

Mind Surfer’s Cove is not responsible for missed sessions caused by incorrect contact details, time-zone errors, internet problems, failure to check email, or failure to join the meeting.

8. Cancellations, Rescheduling, and Refunds

Cancellation, rescheduling, credit, and refund terms displayed on the applicable booking page, checkout page, offer page, invoice, or written agreement form part of these Terms.

Where no separate policy is displayed:

• Contact Mind Surfer’s Cove as soon as possible

• Rescheduling is subject to availability

• Missed sessions may be treated as used

• Completed digital downloads, recordings, or immediately accessible digital materials may be non-refundable where permitted by law

• Any mandatory cancellation, refund, withdrawal, or consumer rights remain unaffected

Mind Surfer’s Cove may cancel or reschedule a session because of illness, emergencies, technical problems, insufficient enrollment, safety concerns, or circumstances beyond reasonable control.

When Mind Surfer’s Cove cancels a paid service and cannot provide a reasonable alternative, the affected payment will be refunded or credited as required by law.

Mexican consumer protections emphasize clear, timely, truthful information and transparent terms for digital transactions.

9. Prices, Currency, Payments, and Taxes

Prices, currency, installment terms, taxes, and accepted payment methods will be shown on the relevant sales or checkout page.

You authorize the payment provider to charge the displayed amount.

You are responsible for:

• Any bank or card fees

• Currency-conversion charges

• Taxes legally payable by you

• Maintaining valid payment information

• Completing agreed installment payments

Mind Surfer’s Cove may use third-party payment processors. Their additional terms and privacy practices may apply.

Failure to complete payment may result in suspension or cancellation of access.

10. Digital Products and Access

Digital products may include recordings, PDFs, workbooks, courses, meditations, templates, images, and written materials.

Your purchase grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the materials for your own lawful, non-commercial purposes.

You may not:

• Share login credentials

• Upload materials to file-sharing platforms

• Resell or redistribute materials

• Copy substantial portions

• Record paid sessions without written permission

• Create derivative courses or commercial products from the materials

• Remove copyright or ownership notices

• Use materials to train artificial-intelligence systems without written permission

Access periods may vary by offer and will be disclosed where relevant.

11. Intellectual Property

Unless otherwise stated, all website content and Mind Surfer’s Cove materials are owned by or licensed to Eric Magnifico and Mind Surfer’s Cove.

This includes:

• Written teachings

• Course structures

• Program frameworks

• The Mind Surfer name and concepts

• Graphics and posters

• Logos

• Videos

• Audio

• Meditations

• Workbooks

• Downloads

• Website copy

• Brand language

• Recordings

No ownership rights are transferred to you.

Permitted personal sharing of publicly available material must preserve attribution and may not falsely imply endorsement, partnership, or authorship.

12. Group Experiences and Confidentiality

Participants in group experiences agree to respect the privacy of others.

You may not disclose, record, publish, screenshot, livestream, identify, or distribute another participant’s personal story or participation without that person’s explicit permission.

Mind Surfer’s Cove will make reasonable efforts to encourage confidentiality, but cannot guarantee that every participant will comply.

Do not disclose information in a group setting that you are unwilling to risk being repeated.

13. Recordings

A session or event will not be recorded by Mind Surfer’s Cove unless recording is disclosed or permission is requested where required.

If a session is recorded:

• You may be offered the option not to appear

• The intended use will be explained

• Additional consent may be requested

• You may not copy or redistribute the recording except as expressly permitted

You may not secretly record any private or group session.

14. Acceptable Conduct

You agree not to:

• Harass, threaten, abuse, or discriminate against anyone

• Disrupt sessions or community spaces

• Impersonate another person

• Submit false information

• Attempt unauthorized access

• Introduce malware

• Scrape or harvest personal information

• Violate intellectual-property rights

• Promote illegal activity

• Use services to exploit vulnerable individuals

• Share private meeting links without permission

• Engage in conduct that creates a safety risk

Mind Surfer’s Cove may refuse service, remove a participant, suspend access, or terminate participation when reasonably necessary to protect safety, privacy, program integrity, or legal rights.

Where a paid service is terminated because of serious misconduct, refunds may be denied to the extent permitted by law.

15. External Platforms and Third-Party Services

The website may rely on third-party services such as Systeme.io, Google Calendar, Google Meet, email providers, social networks, Stripe, or PayPal.

Mind Surfer’s Cove does not control third-party systems and cannot guarantee uninterrupted availability.

Third-party terms, privacy policies, outages, and limitations may apply.

16. Website Availability

We may change, update, suspend, restrict, or discontinue any part of the website or services.

We do not guarantee that:

• The website will always be available

• Every error will be corrected immediately

• Content will remain permanently available

• The website will be free from all harmful code

• Every device or browser will function identically

We will take reasonable steps to maintain the website, but temporary interruptions may occur.

17. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and services are provided on an “as available” and “as is” basis.

Mind Surfer’s Cove makes no guarantee regarding:

• Specific outcomes

• Continuous availability

• Compatibility with every device

• Completeness or accuracy for every individual circumstance

• Suitability as professional advice

• Freedom from all technical errors

Nothing in these Terms excludes warranties or consumer rights that cannot legally be excluded.

18. Limitation of Liability

To the fullest extent permitted by applicable law, Mind Surfer’s Cove and Eric Magnifico will not be liable for indirect, incidental, special, punitive, or consequential damages arising from use of or inability to use the website or services.

Where liability cannot be excluded, total liability arising from a paid service will not exceed the amount actually paid for the specific service giving rise to the claim, unless applicable law requires a greater remedy.

These limitations do not apply where liability cannot legally be limited, including rights or remedies protected by mandatory consumer law.

19. Indemnification

To the fullest extent permitted by law, you agree to be responsible for losses, claims, or expenses resulting from:

• Your unlawful use of the website or services

• Your violation of these Terms

• Your infringement of another person’s rights

• Content or information you submit

• Your unauthorized distribution of materials

• Your misconduct in a session or community space

This provision will not require a consumer to waive non-waivable statutory rights.

20. Privacy

Use of personal information is governed by the Mind Surfer’s Cove Privacy Policy:

https://mindsurferscove.systeme.io/privacy-policy

21. Governing Law

Mind Surfer’s Cove is operated from Quintana Roo, Mexico.

These Terms are governed by the applicable laws of Mexico and, where relevant, the laws of the State of Quintana Roo, without excluding mandatory consumer or privacy protections that apply in the place where a consumer resides.

Nothing in these Terms removes rights that cannot lawfully be waived under Mexican, Canadian, United States federal, state, or provincial law.

22. Dispute Resolution

Before beginning formal proceedings, you agree to contact:

eric@mindsurferscove.com

and provide a reasonable opportunity to resolve the concern directly.

Where legally permitted, disputes will be submitted to the competent courts or consumer authorities of Quintana Roo, Mexico.

Consumers may also retain any right to contact an applicable consumer-protection, privacy, or regulatory authority.

23. Changes to These Terms

We may update these Terms when services, business practices, platforms, or legal requirements change.

The revised version will be posted with a new effective date.

Changes will apply prospectively unless applicable law requires otherwise.

24. Severability

If any provision is found unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

An unenforceable provision will be interpreted or limited as closely as legally possible to its intended purpose.

25. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

26. Entire Agreement

These Terms, the Privacy Policy, applicable checkout terms, booking policies, offer descriptions, and any signed written agreement form the agreement between you and Mind Surfer’s Cove concerning the relevant service.

If a specific written agreement conflicts with these general Terms, the specific written agreement controls for that service.

27. Contact

Questions regarding these Terms may be sent to:

Eric Magnifico
Mind Surfer’s Cove
Email: eric@mindsurferscove.com
Mailing address: Playa del Carmen, Quintana Roo, Mexico