CANCELATIONS:  48 Hours or more required; otherwise, 50% of the session fee is due and payable or removed from any account credit you may have as the result of a Gift Certificate or Pre-Pay Package of 3 or 5 sessions.  ONE "pardon" is allotted per lifetime  (a.k.a. "get out of jail free card" : ) for either a late cancelation OR for a NO SHOW for a scheduled appointment.  **DURING current State mandated COVID19-related Shelter-In-Place restrictions the Cancelation Policy is WAIVED.  HOWEVER; the NO SHOW policy will still apply.  ALL Cancelations must be submitted via email: Joanne@JoanneCosgroveCMT.com , text messaging or voicemail (925) 788-9790

NO SHOW:  Means you are not present up to 30 minutes past your scheduled appointment time.  A Cancelation made by you to the Therapist AFTER your scheduled appointment time occurs will count as a NO SHOW.  IF you arrive late, your session will still occur and will still end at the originally scheduled time.

GRATUITIES:  NO Gratuities ("Tips") are accepted by cash, check, credit or debit card. Any/All overpayments will be applied as credit-to-your-account.  Cash is not kept on the premises.  Your continued patronage, referrals to friends, family or those in the medical community are welcomed.  If you feel inclined to do so, posting a positive review to the GOOGLE Business Page, Facebook Business Page (Joanne Cosgrove, CMT) &/or YELP assists with sustainability for locally-owned & operated small businesses.

 PAYMENTS: ALL clients are required to have a current and valid credit or debit card on file with their client account.  This credit card will not be charged unless: there is a Late Cancelation, No Show or in the event the client does not have any existing monetary credit to their client account as a result of a Gift Certificate or a Prepay Package purchase.  Payments may be made via: Personal Check, VISA/MC/Debit/Flexible Spending Account(FSA)/Health Savings Account(HSA) card.  Proof of Identification via any government issued photo I.D. is required at the initial payment only.  Name on the government issued I.D. must match the name on the checking account or card.  **ALL payments are due at time of service**

REFUNDS:  All purchases made are final and nonrefundable.  In the event an injury or illness precludes you from receiving any of the SERVICES listed on this website's MENU for 6 months beyond the date of your last session, THEN a Gift Certificate will be issued to you in the amount of monetary credit you have on file minus an administrative fee of 3%. (A written, dated & signed Rx. or note from your Primary Medical Provider must be presented to explain your diagnosis and the reasons you are not able to receive any of the Massage or Bodywork listed on the SERVICES Menu).  Gift Certificates are fully transferrable to another person 18 years of age or older.  Gift Certificates do not expire and must be presented at time of service.  A Gift Certificate may be applied as payment toward any SESSION that equals or exceeds its value...any remaining balance due may be paid via cash, check, debit or credit card.  Gift Certificates have no cash value.

SCHEDULING: Those appointments that require pre-approval are: 1) all INITIAL* clients to Joanne Cosgrove, CMT  2) existing clients that have not received services beyond 18 months  3) all INITIAL* sessions for: •Manual Lymph Drainage •The T.L.C. & the ONLINE/REMOTE massage & bodywork.  *Use the CONTACT ME form located on this website's main MENU.   https://JoanneCosgroveCMT.com/Contact-Me to schedule a Complimentary Consultation