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Terms and Conditions

Terms and Conditions of Ann-Maree Cogan – Change Your Thoughts

Welcome to Ann-Maree Cogan – Change Your Thoughts site. Please read the Terms and Conditions below before using, or submitting content in any form for publication on Ann-Maree Cogan – Change Your Thoughts. By visiting or by submitting content for publication on Ann-Maree Cogan – Change Your Thoughts site, you are indicating your agreement to be bound by these terms and conditions. Ann-Maree Cogan – Change Your Thoughts reserves the right to modify these terms and conditions.

Disclosure Policy

Ann-Maree Cogan – Change Your Thoughts values transparency and ethics in writing, and pledges to blog with integrity. Articles, comments, reviews and recommendations you will read on Ann-Maree Cogan – Change Your Thoughts are independent unless clearly indicated. Any commercial interests by Ann-Maree Cogan – Change Your Thoughts will be declared on the relevant posts, and any featured products or individuals who have used Ann-Maree Cogan – Change Your Thoughts programs will be clearly highlighted.

Medical Advice Policy

The information on the Ann-Maree Cogan – Change Your Thoughts site is not intended as a substitute for independent professional advice from a doctor, accredited personal trainer or other health care professional. Information is provided on the basis to inform and educate. Ann-Maree Cogan – Change Your Thoughts recommends that you consult your doctor before starting any exercise program. Ann-Maree Cogan – Change Your Thoughts will not be liable for any losses, damages or claims.

Social Media Policy

Opinions and views expressed on Ann-Maree Cogan – Change Your Thoughts social media platforms including, but not limited to, Facebook, Twitter, Instagram, YouTube pages and Ann-Maree Cogan – Change Your Thoughts blog page, represent the thoughts of individuals and online communities. Ann-Maree Cogan – Change Your Thoughts retains sole discretionary rights relating to the content posted on all of Ann-Maree Cogan – Change Your Thoughts social media platforms and reserves the sole right to review, edit and/or delete comments including, but not limited to those shown below:

  • Abusive or hurtful comments about individuals in the online community.
  • Comments that use derogatory or inappropriate language including but not limited to racial, ethnic or gender based language.
  • Defamatory statements or comments that seek to offend rather than address the topic being discussed.
  • Comments that violate the privacy of her clients.

Ann-Maree Cogan – Change Your Thoughts makes reasonable efforts to monitor and/or moderate content posted on Ann-Maree Cogan – Change Your Thoughts social media platforms, however she cannot always respond in a timely manner to online requests for information.

Privacy Policy

Ann-Maree Cogan – Change Your Thoughts understands that privacy is important to you. Any information she collects will be used only to conduct her business, provide you with her products and services or to process your order unless you consent otherwise. All personal information will be used only in conjunction with your account. None of your personal information will be disclosed to anyone without your permission.

Copyright Policy

All content on this site is original and is the copyright of Ann-Maree Cogan – Change Your Thoughts. The material on this site is for personal use only and should not be copied, reproduced, distributed, published, enter into a database, displayed, modified, transmitted or in any way exploited without the prior expressed permission from Ann-Maree Cogan – Change Your Thoughts and/or any other entity with an interest in the intellectual property.

Links Policy

Links to other sites are provided for your reference. Ann-Maree Cogan – Change Your Thoughts does not take responsibility for any contents, products or any other materials appearing on these sites. Under no circumstances shall Ann-Maree Cogan – Change Your Thoughts be made responsible for any loss or damage caused to you in connection with the use of information, goods or services on any external site. External sites may have disclaimers and/or terms and conditions, which she recommends you read. Any concerns regarding external sites should be directed to the external site’s webmaster.