Terms and Conditions

 Last updated: November 2025

Welcome to J.Cosey Speaks, owned and operated by Jerald Cosey, HFA. By accessing or using this website, booking services, or downloading materials, you agree to comply with and be bound by the following Terms and Conditions.

Please read these terms carefully before using our site or engaging our services.

1. General Use

This website and all associated content — including text, images, videos, downloadable materials, and branding — are the intellectual property of J.Cosey Speaks.

You may not reproduce, distribute, or modify any content without written permission.

2. Services

J.Cosey Speaks provides leadership development, keynote speaking, consulting, coaching, and educational materials for healthcare professionals and organizations.

All services are designed for professional development and should not be interpreted as medical, legal, or financial advice.

Service outcomes depend on participant engagement, organizational environment, and implementation efforts.

3. Bookings and Payments

When booking Jerald Cosey for a speaking engagement, workshop, or coaching program:

• A signed agreement and deposit are required to confirm the event date.
  
  
• Final payment terms are outlined in each contract.
  
  
• Travel and accommodation expenses (if applicable) are the responsibility of the client unless otherwise specified.
  
  
• Cancellation or rescheduling requests must be made in writing and are subject to the terms in your individual agreement.
  
  

4. Downloads and Digital Materials

Free and paid digital materials provided by J.Cosey Speaks — such as worksheets, guides, or frameworks — are for personal or organizational use only.

You may not share, resell, or distribute them publicly without written permission.

5. Intellectual Property

All frameworks, methodologies, and content — including but not limited to Five S.T.A.R. Leadership™, White Flag Moments™, and The Rehydration Method™ — are the property of Jerald Cosey and J.Cosey Speaks.
Unauthorized use or reproduction is strictly prohibited.

6. Limitation of Liability

J.Cosey Speaks and its representatives are not liable for any direct, indirect, or incidental damages resulting from the use or inability to use our services or materials.

Leadership outcomes vary by organization and individual commitment.

7. Links to Other Websites

Our website may contain links to external sites. We are not responsible for the content or privacy practices of these third-party sites.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Indiana, USA, without regard to conflict of law principles.

9. Contact Information

For questions about these Terms, please contact:
📧 [email protected]