Termination of a contract can happen at any time from the client. 
However, if you’ve had 3 or more sessions, the full cost of the contract is to be paid by the client, within 24 months of the original start date. (That sounds reasonable). You do have to pay me what you promised to pay me, but I will give you two years. 

In the unlikely event of your coach (Shea) being unable to complete all the sessions which have been already paid for in full; All your money will be refunded within 12 months, unless a different timetable is agreed upon by client and coach (if coach is alive, she will likely try to complete all sessions which have been paid for). 

 In the unlikely scenario in which Coach Shea has deceased, you will not receive a refund from the grieving widower (who is now the only parent to 5 children) and the sole proprietor of L. Shea LeJeune LLC, which is absolved, as a result of coach Shea’s untimely demise. However, you can ask any of Shea’s family members for a fair coach, to serve you in Shea’s stead (now that she is dead).