It is an industry standard policy to not issue refunds for personal training sessions paid for and not completed unless the request is accompanied by a doctor's note stating that the person is no longer healthy enough for working out and will not be healthy enough for at least a month.

Sessions purchased may be put on hold for other personal reasons without penalty provided appropriate notice is given and training is resumed within 6 months of putting things on hold.  Otherwise, the sessions will expire and no refunds will be issued.  If this option is taken, no guarantee can be made for your spot on the schedule.  I reserve the right to fill your vacated time slot.