Legal
Terms & Conditions
Understanding First™ Website Terms & Conditions
Last Updated: 21 September 2026
Welcome to Understanding First™.
These Terms & Conditions govern your use of this website and, where applicable, your registration for or purchase of programmes, events, digital content, educational resources and services offered by Karen Mullally through Understanding First™.
Please read these Terms & Conditions carefully before using this website or making a purchase.
By accessing or using this website, registering for an event or programme, or purchasing a product or service, you agree to be bound by these Terms & Conditions.
Nothing in these Terms & Conditions affects your statutory rights as a consumer.
1. About Understanding First™
Understanding First™ is an educational and personal development platform founded by Karen Mullally.
The website provides information, educational resources, programmes, masterclasses, live gatherings, digital content, mentoring experiences and other resources designed to support self-understanding, personal growth and meaningful change.
Unless expressly stated otherwise, the content, programmes and services offered through Understanding First™ are educational and personal-development experiences.
They do not constitute psychotherapy, counselling, medical treatment, psychiatric treatment or other healthcare services and are not intended to replace appropriate professional healthcare or mental-health support.
2. Trader & Contact Information
Understanding First™ is operated by:
Karen Mullally / Understanding First™
Business Address: Co. Louth, Ireland
Email: kmunderstandingfirst@gmail.com
Telephone: +353 87 717 8131
For questions concerning purchases, cancellations, refunds or these Terms & Conditions, please contact us using the details above.
3. Acceptance of These Terms
By accessing this website, registering for an event, enrolling in a programme, purchasing a product or service, or otherwise using paid content provided through Understanding First™, you acknowledge that you have had an opportunity to read these Terms & Conditions.
Where a separate enrolment, booking, checkout or product page contains terms specific to a particular programme, service, event or product, those terms also form part of your agreement with us.
If there is any inconsistency, the specific information provided to you in connection with that purchase will apply to that purchase, subject always to applicable consumer law.
Unless otherwise stated, all content available through this website and Understanding First™ remains the intellectual property of Karen Mullally and/or is used under appropriate licence.
This includes, without limitation:
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Understanding First™
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The Life That Fits Method™
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The Life That No Longer Fits
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Return To Self™ materials
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The Life That Fits™ materials
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The Exhale™ materials
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UNfirst Kids™ materials
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programme materials and frameworks
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workbooks and Workbook Companions
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written content
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videos and recordings
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masterclasses
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downloadable resources
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graphics and illustrations
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branding
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exercises, prompts and educational resources
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digital products
Unless expressly stated otherwise, purchases provide you with a personal, non-exclusive, non-transferable right to use the relevant materials for your own personal use.
Content may not be copied, reproduced, republished, distributed, uploaded, transmitted, sold, licensed, commercially exploited, modified for redistribution, taught as your own material or shared with others without prior written permission.
Purchasing or accessing content does not transfer ownership of any intellectual-property rights to you.
5. Website Use
You agree to use this website lawfully and respectfully.
You must not:
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use content in a misleading, unlawful or fraudulent manner;
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copy or distribute protected materials without permission;
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interfere with or attempt to compromise the operation or security of the website;
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use website services to engage in abusive, threatening or harmful behaviour; or
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use Understanding First™ materials for commercial purposes without written permission.
We reserve the right to restrict access where there is a reasonable basis for doing so, subject to applicable law.
6. Programmes, Events & Services
Understanding First™ may offer programmes, masterclasses, workshops, live gatherings, mentoring experiences, private educational experiences, digital resources and other services.
Specific information regarding the nature of the offering, price, duration, start date, delivery method, access and what is included will be provided on the relevant webpage, enrolment page, booking page or checkout before purchase.
Please review this information carefully before completing your purchase.
Participation in a programme, event or other educational experience does not create a therapeutic, counselling, medical, psychiatric or healthcare relationship between you and Karen Mullally or Understanding First™.
7. Prices & Payments
Prices will be clearly displayed before purchase and will include applicable taxes where required.
Payment may be processed through third-party payment providers available through the website.
By completing a purchase, you agree to provide accurate and complete payment information and to comply with the payment terms presented at checkout.
A contract is formed when your order or enrolment has been accepted and confirmation of the transaction has been provided to you, subject to applicable law.
8. Payment Plans
Where a payment plan is offered, the total investment, number of instalments, amount of each instalment and applicable payment schedule will be presented before purchase.
A payment plan is a method of paying the agreed purchase price in instalments. It is not, by itself, a recurring subscription unless expressly described as one.
By selecting a payment plan, you agree to make the instalment payments in accordance with the schedule presented at checkout, subject to your statutory cancellation and other consumer rights.
If a scheduled payment fails, we may contact you and provide a reasonable opportunity to update your payment method or resolve the outstanding payment.
Where payment remains outstanding, access to paid programme materials or services may be suspended where legally permitted until payment arrangements have been resolved.
Nothing in this section affects any statutory right you may have to cancel a contract, terminate it, withhold payment or seek another remedy under applicable consumer law.
9. Statutory Right to Cancel
If you are a consumer purchasing online or otherwise entering into a distance contract, you may have a statutory right to cancel your contract without giving a reason.
For many service contracts, digital-service contracts and contracts for digital content not supplied on a tangible medium, the statutory cancellation period is 14 days beginning on the day the contract is concluded.
Different rules and exceptions may apply depending on the nature of what you purchase and when its supply or performance begins.
Nothing in these Terms is intended to restrict a cancellation right provided to you by law.
10. Programmes & Services Beginning During the 14-Day Period
Some programmes, live experiences or services may begin before the statutory 14-day cancellation period has expired.
Where applicable, you may be asked to expressly request that the service begins during the cancellation period.
If you exercise an applicable statutory right to cancel after the service has begun, you may be required, where permitted by law, to pay an amount proportionate to the service already supplied before you communicated your decision to cancel.
Where a service has been fully performed during the cancellation period, your cancellation right may cease where the conditions required by applicable consumer law have been satisfied, including any necessary prior consent or acknowledgement.
11. Digital Content & Immediate Access
Some products may include downloadable or immediately accessible digital content, including PDFs, workbooks, recordings, videos, printable resources or other digital materials.
Where paid digital content that is not supplied on a tangible medium is made available during the statutory cancellation period, we may ask you to:
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expressly consent to supply beginning during the cancellation period; and
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acknowledge that, where applicable under consumer law, beginning supply will result in the loss of your statutory right to cancel.
Where the necessary consent and acknowledgement have not been obtained, your statutory cancellation rights will continue to apply in accordance with applicable law.
Any checkout consent relating to immediate digital supply will be presented separately where required.
12. Refunds After the Statutory Cancellation Period
Once any applicable statutory cancellation period has expired, purchases are generally non-refundable unless:
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a different refund or cancellation policy was expressly provided for the particular product or service;
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we agree otherwise; or
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you are entitled to a refund, price reduction, termination or another remedy under applicable consumer law.
A decision not to attend, participate in, access or complete a programme or resource does not automatically create an entitlement to a refund after any applicable statutory cancellation period has expired.
However, nothing in this policy limits your statutory rights where a product, service, digital service or digital content is not supplied as agreed, is faulty, does not conform to the contract, or where another statutory remedy applies.
Irish consumer law provides remedies in appropriate circumstances where digital content or services do not meet legal requirements.
13. How to Exercise a Statutory Right to Cancel
Where you have a statutory right to cancel and wish to exercise it, you must communicate your decision to us within the applicable cancellation period.
You can contact:
Karen Mullally / Understanding First™
Email: kmunderstandingfirst@gmail.com
Business Address: Co Louth, Ireland
You may use the Model Cancellation Form at the end of these Terms, but you are not required to use that form. A clear statement communicating your decision to cancel is sufficient where permitted by law.
Where a refund is due following a statutory cancellation, it will be processed in accordance with applicable consumer law and, where required, no later than 14 days after we are informed of the cancellation. Refunds will ordinarily be made using the same payment method used for the original transaction unless otherwise agreed.
14. Missed Live Sessions & Non-Attendance
Where a programme or experience includes scheduled live sessions, you are responsible for attending at the advertised dates and times.
If you cannot attend a live session, a replay may be made available where the particular programme or service states that replays are included.
Missing a live session or choosing not to participate does not automatically entitle you to a refund, subject always to your statutory consumer rights.
Replay availability and access periods may vary between programmes and will be communicated as part of the relevant programme information.
4. Intellectual Property
15. Changes, Rescheduling & Cancellation by Understanding First™
Occasionally, circumstances outside our reasonable control may require a live session, programme date, event or element of a service to be rescheduled or changed.
Where reasonably possible, we will provide appropriate notice and minimise disruption.
If Understanding First™ cancels a paid service, event or programme, or makes a material change that gives rise to rights under applicable consumer law, we will provide the remedy required by law and may, where appropriate, offer alternatives such as rescheduling.
Nothing in this section limits your statutory consumer rights.
16. Programme & Digital Access
Access periods for programmes, recordings, replays, digital resources and member areas may vary.
The relevant access period will be communicated in the applicable programme, product or purchase information.
Unless expressly stated otherwise, purchasing a programme does not provide lifetime access to online portals, recordings or member areas.
Downloaded materials that are expressly made available for you to keep may be retained for your own personal use, subject to the intellectual-property provisions in these Terms.
Login details and programme access are personal to the purchaser and must not be shared with another person unless expressly permitted.
17. Community Participation
Where community spaces, live events, group programmes or discussions are offered, participants are expected to engage respectfully.
Abusive, threatening, discriminatory, harassing or seriously disruptive behaviour will not be accepted.
Where reasonably necessary to protect participants, the community or the integrity of the service, Understanding First™ may restrict or remove a participant's access.
Any such action will be taken reasonably and in accordance with applicable consumer law and will not remove any statutory rights the participant may have.
18. Educational Nature of the Content
Understanding First™ provides educational and personal-development content.
Information provided through this website, programmes, events, masterclasses, digital resources and other experiences is general educational information and is not intended to provide individual medical, psychiatric, psychological, therapeutic, legal or financial advice.
If you require professional advice or treatment appropriate to your individual circumstances, you should seek assistance from a suitably qualified professional.
If you are experiencing an emergency or crisis, please contact the appropriate emergency or crisis service in your location.
19. No Guarantees
Every individual and every circumstance is different.
Although programmes, resources and educational experiences are thoughtfully designed to support understanding, reflection, learning and personal development, no specific personal, professional, financial, emotional or other outcome is guaranteed.
Your results will depend on many individual factors outside our control.
You remain responsible for your own decisions and actions.
20. Consumer Rights & Problems With Services or Digital Content
We aim to provide all services and digital content in accordance with the description and terms provided to you at the time of purchase.
If you believe that something you purchased has not been supplied as agreed, is faulty, does not conform to the contract or otherwise does not meet applicable legal requirements, please contact us so that the matter can be addressed.
Depending on the circumstances, applicable consumer law may provide remedies including bringing the service or content into conformity, a price reduction, termination of the contract or a refund.
Nothing in these Terms excludes or limits those statutory remedies.
21. Limitation of Liability
To the fullest extent permitted by applicable law, Understanding First™ and Karen Mullally will not be responsible for losses arising from use of this website, participation in programmes or reliance upon general educational information provided where such liability may lawfully be excluded or limited.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
Nothing in these Terms excludes or limits any statutory consumer rights or remedies available to you under applicable law.
You remain responsible for decisions and actions you take based on your individual circumstances.
22. Third-Party Services & External Links
This website and our programmes may use or link to third-party platforms and services, including services used for website hosting, payment processing, email delivery, video conferencing or other technical functions.
We are not responsible for the independent content or privacy practices of third-party websites or services.
Your use of third-party services may also be subject to their own terms and privacy policies.
Nothing in this section limits responsibility that cannot lawfully be excluded.
23. Privacy & Personal Information
Personal information collected through this website will be handled in accordance with our Privacy Policy and applicable data-protection law.
Please review the Privacy Policy for information about the personal information we collect, how it is used, how long it may be retained and your rights in relation to your personal information.
24. Events Outside Our Reasonable Control
We will not be responsible for delay or failure to perform obligations where this results from circumstances genuinely outside our reasonable control, subject to applicable consumer law.
Where such circumstances materially affect a paid programme, event or service, we will communicate with affected customers and take reasonable steps to minimise disruption.
This provision does not remove any statutory rights or remedies available to consumers.
25. Complaints & Customer Care
We want concerns to be addressed clearly and fairly.
If you have a question or complaint concerning a purchase, programme, service or digital product, please contact:
Email: kmunderstandingfirst@gmail.com
Please include your name, the product or service concerned and enough information for us to understand the issue.
We will aim to acknowledge and address your concern within a reasonable period.
Nothing in this complaints process affects your statutory consumer rights.
26. Changes to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our services, business practices or legal obligations.
The current version and its last-updated date will be displayed on this website.
Changes will not retrospectively remove statutory rights or contractual rights already acquired in relation to an existing purchase.
27. Governing Law
These Terms & Conditions are governed by the laws of Ireland.
Nothing in this provision deprives a consumer of any mandatory protections or rights that apply to them under applicable consumer law.
28. Contact
If you have questions about these Terms & Conditions, your purchase or your consumer rights, please contact:
Karen Mullally / Understanding First™
Business Address: Co. Louth, Ireland
Email: kmunderstandingfirst@gmail.com
Telephone: +353 87 717 8131
A Final Note
At Understanding First™, we believe meaningful change begins with understanding.
These Terms & Conditions exist to help create clarity, transparency and mutual respect for everyone who engages with this work.
Thank you for being here.