Terms of Use for Sarah Rayhana LLC

 

Please read these Terms of Use carefully before purchasing, accessing or using any of our Programs,  Products and Services.  

Terms of Use  

Our Programs, Products, and Services are owned and operated by Sarah Rayhana LLC (“Company”, “we”,  or “us”). The term “you” refers to any purchaser and/or user of any of our Programs, Products and/or  Services.  

These Terms of Use (“Terms of Use”) state how you may use our Programs, Products and Services  and Program Materials, and their content. Please read these Terms of Use carefully. We reserve the  right to change these Terms of Use from time to time. 

By using any of our Programs, Products and Services you are agreeing to the Terms of Use as they  appear and are legally bound by them, whether or not you have read them. If at any time you do not  agree with these Terms of Use, please do not use our Programs, Products, and Services.  

These Terms of Use require the use of arbitration on an individual basis to resolve disputes, rather  than jury trials, and limit the remedies available to you in the event of a dispute. You fully  understand and agree that by enrolling in, purchasing and/or using any of our Programs, Products,  Services, and Program Materials that you are waiving certain legal rights and you are voluntarily  agreeing to do so.  

Use and Consent  

By purchasing or using any of our Programs, Products or Services, you agree to abide by these Terms  of Use as well as our Disclaimer, Terms and Conditions and Privacy Policy, and any other terms and  conditions that may apply, and are you are required to act in accordance with them. Accessing,  purchasing, or using our Programs, Products, Services or Program Materials, in any manner  constitutes use of the Program, Products, Services and Program Materials, and your agreement to be  bound by these Terms of Use.  

All of our Programs, Products, Services and Program Materials are intended solely for users who are  eighteen (18) years of age or older. Any registration by, use of or access to any Program, Product,  Service or Program Materials by anyone under age 18 is unauthorized, unlicensed and in violation of  these Terms of Use. By accessing or using our Programs, Products, or Services or our Program  Materials, you represent and warrant that you are at least 18 years old.  

Intellectual Property Rights  

Our Limited License to You. Our Programs, Products, and Services and all the Program Materials are  our property and/or our affiliates or licensors, and are protected by copyright, trademark, and other  intellectual property laws. 

The content in our Programs, Products and Services is solely owned by or licensed to us, unless  otherwise indicated. This content includes, but is not limited to, the design, layout, look, appearance,  graphics of our Program Materials or any other material or aspects of materials provided by us to  you. Reproduction is prohibited other than in accordance with the copyright notice, which forms part  of these Terms of Use.  

If you purchase or access any of our Program Materials through our Programs, Products, or Services,  you will be considered our Licensee. For the avoidance of doubt, all content obtained through us is  our property, and you are granted a revocable, non-transferable license for personal, non commercial use only, limited to you only. This means that you may not use our Programs, Products,  or Services or the Program Materials in a manner that constitutes an infringement of our rights or in  a manner that has not been authorized by us.  

You are being granted a limited license to use our Program, Products and Services, and Program  Materials with permission and restrictions. This means that when you purchase a Program, Product  or Service from our Website or otherwise, you are purchasing the limited right to use the Program  Materials in the form that is provided by us to you with certain conditions as specified in these Terms  of Use.  

You are permitted to use our Programs, Products, Services and Program Materials as follows: 

You may download and/or print Program Handouts and Workbooks for your own personal use in  your business. 

However, you are not permitted to share, sell, reprint or republish any other of our Program  Materials, including handouts and workbooks, for resale or mass reproduction purposes for your  own business use. This includes sharing this program with your friends, family, colleagues, etc. If  they would like access, they must purchase their own license separately.  

Any trademarks, taglines, and logos displayed on Program Materials are trademarks belonging to us.  All trademarks reproduced in this Website, which are not the property of, or licensed to us, are  acknowledged on the Website. Any use including framing, meta tags or other text utilizing these  trademarks, or other trademarks displayed, is strictly prohibited without our express written consent,  or permission granted herein.  

For those trademarks, taglines, and logos for which you are granted permission to use, the trademark  indicia must be included at all times. Any marketing or promotional tools and/or Program, Product  or Service titles or any other title or information of ours bearing the trademark symbols (™) or ® may  not be used by you for any reason without our express written permission.  

All rights not expressly granted in these terms or any express written license, are reserved by us.  

Information You Are Prohibited from Sharing with Others. As a Licensee, you understand and  acknowledge that our Programs, Products and Services and the Program Materials have been  created, developed or obtained by us through the investment of significant time, effort and expense, 

and that this information is a valuable, special and unique asset of ours which needs to be protected  from improper and/or unauthorized use.  

When you enroll in or purchase our Programs, Products or Services, you agree that you are clearly  and expressly prohibited from doing the following: 

  •  You will not copy, share or steal our Programs, Products, Services, or Program Materials,  or any parts of them.  
  •  You will not in any way use, copy, adapt or represent any of our Programs, Products,  Services or Program Materials in any way as if they are yours or created by you.  
  •  You will not engage in improper and/or unauthorized use of our Programs, Products,  Services and Program Materials. Improper and unauthorized use includes but is not limited  to modifying, copying, reproducing, republishing, uploading, posting, transmitting,  translating, selling, creating derivative works, exploiting, or distributing in any manner or  medium (including by email or other electronic means) any Program Materials or any other  information accessed or purchased through our Programs, Products or Services, or any  other communications provided by us for your own personal use, business/commercial use  or in any way that earns you money.  
  •  You will not duplicate, share, trade, sell, or otherwise distribute our Programs, Products,  Services or Program Materials to any other person, for their personal use,  business/commercial use or in any way that earns them money, whether it was known to  you or not at the time that you shared the information that their intention was to use the  Program Materials for their own personal use or business/commercial use. This means you  cannot share or sell or any part of our Programs, Products and Services or Program  Materials to someone else so they can copy and/or use them for their own personal use,  business/commercial use or in any way that earns them money. You are the only one  granted a limited license to use our Program, Product, Service, and Program Materials. 
  •  You will not violate our intellectual property rights, including copyright and trademark  rights. Downloading, printing, or otherwise using our Programs, Products, Services or  Program Materials for your own training purposes in no way gives you any copyright,  trademark, intellectual property or ownership rights of our Program, Product, Service or  Program Materials.  
  •  You will not reprint or republish any part of our Programs, Products, Services or Program  Materials for publication or compilation into your own products, programs, services or  program materials for your own personal use or business/commercial use or in any way  that earns you money.  
  •  You will not use our Programs, Products, Services or Program Materials in a manner that  constitutes an infringement of our rights or in a manner that has not been authorized by us  through our prior written consent. 
  •  You may not engage in improper and/or unauthorized use of our Program Materials or  any other information related to our Programs, Products, or Services. Unless otherwise  explicitly authorized in these Terms of Use, improper and/or unauthorized use includes but  is not limited to modifying, copying, reproducing, republishing, uploading, posting,  transmitting, translating, selling, creating derivative works, exploiting, or distributing in any  manner or medium (including by email or other electronic means) for commercial use, to  any other person in a way that earns them money, any Program Materials or any other  information accessed or purchased through our Programs, Products or Services or any other  communications provided by us to you promoting or relating to the Programs, Products or  Services. 

You understand and agree that engaging in the prohibited use or the improper and/or  unauthorized use of our Programs, Products or Services or Program Materials as set forth  in these Terms of Use is considered theft and stealing and we retain the right to prosecute  theft to the full extent of the law.  

You agree and understand that prohibited use, improper and/or unauthorized use may give  rise to a civil claim for damages and/or be a criminal offense.  

Limitations on Linking and Framing. You may establish a hypertext link to our Website or  Content so long as the link does not state or imply any sponsorship, endorsement by, or  ownership by in our Website or Content and does not state or imply that we are have  sponsored, endorsed or have ownership rights in your website. However, you may not frame  or inline link our Content without our written permission.  

Your License to Us. By posting or submitting any material on or through our Programs,  Products, Services or Program Materials, such as comments, posts, photos, images or videos  or other contributions, you are representing that you are the owner of all such materials and  you are at least 18 years old.  

When you submit to us or post any comment, photo, image, video or any other submission  for use on or through our Website, you are granting us, and anyone authorized by us, an  unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license  to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or  publicly perform or display such contributions, in whole or in part, in any manner or medium,  now known or developed in the future, for any purpose, and granting us the right to make it  part of our current or future Programs, Products, Services and/or Program Materials. This  right includes granting us use or exploitation of proprietary rights or intellectual property  rights like copyright, trademark, service mark, trade secrets, patent rights or any other of your  intellectual property rights under any relevant jurisdiction without any further permission  from you or compensation by us to you. This does not include any of your own ideas,  programs or offerings. We will not take, borrow or steal any of your ideas, programs or  offerings for use in our own business.  

You also grant us, and anyone authorized by us, the right to identify you as the author of any  of your comments, posts, photos, images, videos or other contributions by name, email 

address, or screen name. You acknowledge that we have the right but not the obligation to  use and display any contributions from you of any kind and that we may elect to cease the  use and display of any such contributions on our Programs, Products, Services and/or  Program Materials at any time for any reason whatsoever.  

Media Release. By participating in our Programs, Products and Services, and using our  Program Materials, including our Facebook community, you consent to photographs, videos,  and/or audio recordings that may be made that may contain you, your voice and/or your  likeness. In our sole discretion, we reserve the right to use these photographs, videos, and  or/audio recordings and/or any other materials submitted by you to us in connection with  your participation in our Program, Product or Services in our current or future Programs,  Products or Services, and/or our marketing or promotional efforts, without compensation to  you at any time, now or at any time in the future.  

Request for Permission to Use Content Any request for written permission to use our  Programs, Products, Services or Program Materials, in whole or in part, or any other  intellectual property or property belonging to us (“Content”), should be made BEFORE you  wish to use it by completing the “Contact Us” form on this Website, or by sending an e-mail  to [email protected] We very clearly state that you may not use our Programs,  Products, Services or Program Materials, in whole or in part, in any way that is contrary to  these Terms of Use unless we have given you specific written permission to do so.  

If you are granted permission by us, you agree to use the specific Content that we allow and  ONLY in the ways for which we have given you our written permission. 

If you choose to use the content in ways that we do not specifically give you written  permission, you agree now that you will be treated as if you had copied, duplicated and/or  stolen such Content from us, and you consent to immediately stop using such Content and  to take whatever actions as we may request and by the methods and in the time frame that  we prescribe to protect our intellectual property and ownership rights in our Programs,  Products, Services or Program Materials.  

Security When you apply for, enroll in, purchase or use our Programs, Products or Services,  or Program Materials we may seek and collect personal data and information including but  not limited to your name, e-mail address, phone number, billing information, credit card or  payment information, demographic information, preferences, interests, or other personally 

identifying information (“Confidential Information”).  

By providing such Confidential Information to us, you grant us permission to use and store  such Confidential Information. We, in turn, will use our best efforts to keep your Confidential  Information safe, secure and confidential. We take precautions to protect such Confidential  Information. When you submit Confidential Information via our Program, Product, Service or  Program Materials, we take measures to protect the security of your Confidential Information  both online and offline. 

However, due to the nature of the Internet, we cannot completely ensure or warrant the  security of your Confidential Information or of any other data or information transmitted to  us or through our services; therefore submitting Confidential Information, data or other information is done at your own risk. We have security measures in place to prevent the loss,  misuse, and alteration of the information that is obtained from you, but we make no  assurances about our ability to prevent any such loss, misuse, to you or to any third party  arising out of any such loss, misuse, or alteration. 

Facebook Groups  

The product or program may come with a private Facebook Group. These Terms apply to the  Facebook Group. Further, you understand that Facebook is a public platform and therefore,  we cannot guarantee your privacy for things that you share in the group as other members  will also see what is posted.  

Personal Responsibility and Assumption of Risk 

As a Licensee, you agree that you are using your own judgment in using our Programs, Products, Services and Program Materials and you agree that you are doing so at your own  risk. Our Programs, Products, Services and Program Materials are for informational and  educational purposes only. You agree and understand that you assume all risks and no results  are guaranteed in any way related to our Programs, Products, Services and Program  Materials. Our Programs, Products, Services and Program Materials are merely to provide you  with education and tools to help you make your own decisions for yourself. You are solely  responsible for your actions, decisions and results based on the use, misuse or non-use of our  Programs, Products, Services and Program Materials. We take every precaution to protect  our Programs, Products, Services and Program Materials.  

However, due to the nature of the Internet, we cannot completely ensure or warrant the  security of the Programs, Products, Services and Program Materials or the contributions or  information transmitted to us on or through our Website or our Programs, Products, Services  and Program Materials. Submitting contributions or information on our through our  Programs, Products, Services and Program Materials is done entirely at your own risk. We  make no assurances about our ability to prevent any such loss or damage to you or to any  other person, company or entity arising out of use of our Programs, Products, Services and  Program Materials and you agree that you are assuming such risks. 

Disclaimer 

Our Programs, Products, Services, and Program Materials are for informational and  educational purposes only. To the fullest extent permitted by law, we expressly exclude any  liability for any direct, indirect or consequential loss or damage incurred by you or others in  connection with our Programs, Products, Services, and Program Materials, including without  limitation any liability for any accidents, delays, injuries, harm, loss, damage, death, lost  profits, personal or business interruptions, misapplication of information, physical or mental  disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of  income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of  data, loss of goodwill, wasted time and for any other loss or damage of any kind, however  and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. You 

specifically acknowledge and agree that we are not liable for any defamatory, offensive or  illegal conduct of any other Program, Product, Service or Program Materials participant or  user, including you.  

Medical Disclaimer. Our Programs, Products, Services, and Program Materials are not to be  perceived as or relied upon in any way as medical advice or mental health advice. The  information provided through our Programs, Products, Services, and Program Materials is not  intended to be a substitute for professional medical advice, diagnosis or treatment that can  be provided by your own physician, nurse practitioner, physician assistant, therapist,  counselor, mental health practitioner, licensed dietitian or nutritionist, member of the clergy,  or any other licensed or registered health care professional. Do not disregard professional  medical advice or delay seeking professional advice because of information you have read in  our Programs, Products, Services, and Program Materials, or received from us. Do not stop  taking any medications without speaking to your physician, nurse practitioner, physician  assistant, mental health provider or other health care professional. If you have or suspect that  you have a medical or mental health issue, contact your own health care provider promptly.  We are not providing health care, medical or nutrition therapy services or attempting to  diagnose, treat, prevent or cure in any manner whatsoever any physical ailment, or any  mental or emotional issue, disease or condition. We are not giving medical, psychological, or  religious advice whatsoever.  

Legal and Financial Disclaimer. Our Programs, Products, Services, and Program Materials are  not to be perceived or relied upon in any way as business, financial or legal advice. The  information provided through our Programs, Products, Services, and Program Materials is not  intended to be a substitute for professional advice that can be provided by your own  accountant, lawyer, or financial advisor. We are not giving financial or legal advice in any way.  You are hereby advised to consult with your own accountant, lawyer or financial advisor for  any and all questions and concerns you have regarding your own income and taxes pertaining  to your specific financial and/or legal situation. You agree that we are not responsible for your  earnings, the success or failure of your business decisions, the increase or decrease of your  finances or income level, or any other result of any kind that you may have as a result of  information presented to you through our Programs, Products, Services, and Program  Materials. You are solely responsible for your results.  

Earnings Disclaimer. You acknowledge that we have not and do not make any  representations as to the health physical, mental, emotional, spiritual or health benefits,  future income, expenses, sales volume or potential profitability or loss of any kind that may  be derived as a result of your participation in this Program, Product, Services or Program  Materials. We cannot and do not guarantee that you will attain a particular result, positive or  negative, financial or otherwise, through the use of our Programs, Products, Services and  Program Materials and you accept and understand that results differ for each individual. We  also expressly disclaim responsibility in any way for the choices, actions, results, use, misuse  or non-use of the information provided or obtained through any of our Programs, Products,  Services or Program Materials. You agree that your results are strictly your own and we are  not liable or responsible in any way for your results. 

Warranties Disclaimer. WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS,  SERVICES, OR PROGRAM MATERIALS. YOU AGREE THAT PROGRAMS, PRODUCTS, SERVICES,  OR PROGRAM MATERIALS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND  EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO  APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT  NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR  PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PROGRAMS,  PRODUCTS, SERVICES, OR PROGRAM MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED,  CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED,  OR THAT ANY PART OF THE WEBSITE, CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL  COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE  USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT OR SERVICES MATERIALS OR  ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS,  RELIABILITY OR OTHERWISE.  

Technology Disclaimer. We try to ensure that the availability and delivery of our Programs,  Products, Services and Program Materials is uninterrupted and error-free, including our  content and communications through methods like our Website, member forum, private  Facebook groups, e-mail communications, videos, audio recordings, webinars, recorded  webinars, teleseminars, recorded teleseminars, emails, downloadable Mp3 audio files,  downloadable PDF printed transcripts, downloadable PDF handouts/slides, handouts,  ebooks, or any other materials provided by us to you. However, we cannot guarantee that  your access will not be suspended or restricted from time to time, including to allow for  repairs, maintenance or updates, although, of course, we will try to limit the frequency and  duration of suspension or restriction. To the fullest extent permitted by law, we will be not  be liable to you for damages or refunds, or for any other recourse, should our Programs,  Products, Services or Program Materials become unavailable or access to the them becomes  slow or incomplete due to any reason, such as system back-up procedures, internet traffic  volume, upgrades, overload of requests to the servers, general network failures or delays, or  any other cause which may from time to time make our Programs, Products, Services or  Program Materials inaccessible to you.  

Errors and Omissions. We make no warranty or guarantee as to the accuracy, timeliness,  performance, completeness or suitability of the information in our Programs, Products,  Services, and Program Materials. Every effort has been made to present you with the most  accurate, up-to-date information, but because the nature of scientific research is constantly  evolving, we cannot be held responsible or accountable for the accuracy of our content. You  acknowledge that such information may contain inaccuracies or errors and we are not liable  for any such inaccuracies or errors to the fullest extent permitted by law.  

Links to Other Websites. We may provide links and pointers to other websites maintained by  third parties that may take you outside of our Programs, Products, Services or Program  Materials. These links are provided for your convenience and the inclusion of any link in our  Programs, Products, Services or Program Materials to any other website does not imply our  endorsement, sponsorship, or approval of that website or its owner. We do not endorse and  we are not responsible for the views, opinions, facts, advice, or statements provided by 

external resources referenced in our Website or its Content, or their accuracy or reliability.  We assume no responsibility for errors or omissions caused by other websites that may be  included our Programs, Products, Services or Program Materials. We have no control over the  contents or functionality of those websites and so we accept no responsibility for any loss,  damage, or otherwise that may arise from your use of them and therefore we do not  guarantee the accuracy, completeness, or usefulness of any other website or their content. It  is your responsibility to review the terms and conditions and privacy policies of those linked  websites to confirm that you understand and agree with those policies.  

By purchasing and/or using our Programs, Products, Services or Program Materials in any way  or for any reason, you also implicitly agree to our full Disclaimer which may be found on our  Website.  

Indemnification, Limitation of Liability and Release of Claims Indemnification. You agree at  all times to defend, indemnify and hold harmless our Company, as well as any of our affiliates,  agents, contractors, officers, directors, shareholders, employees, joint venture partners,  successors, transferees, assignees, and licensees, as applicable, from and against any and all  claims, causes of action, damages, liabilities, costs and expenses, including legal fees and  expenses, arising out of or related to our Programs, Products, Services or Program Materials,  or your breach of any obligation, warranty, representation or covenant set forth in these  Terms and Conditions or in any other agreement with us.  

Limitation of Liability. We will not be held responsible or liable in any way for the information,  products or materials that you request or receive through or on our Programs, Products,  Services or Program Materials. We do not assume liability for accidents, delays, injuries, harm,  loss, damage, death, lost profits, personal or business interruptions, misapplication of  information, physical or mental disease, condition or issue, or otherwise, due to any act or  default of anyone or any business, whether owners, staff, agents, joint venture partners,  contractors, vendors, affiliates or otherwise, affiliated with us. We do not assume liability for  any owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise  who is engaged in rendering our Programs, Products, Services or Program Materials, or in any  way or in any location. In the event that you use our Programs, Products, Services or Program  Materials or any other information provided by us or affiliated with us, we assume no  responsibility.  

Release of Claims. In no event will we be liable to any party for any type of direct, indirect,  special, incidental, equitable or consequential damages for any use of or reliance on our  Programs, Products, Services or Program Materials, or on those affiliated with us in any way,  and you hereby release us from any and all claims; including, without limitation, those related  to lost profits, personal or business interruptions, personal injuries, accidents, misapplication  of information, or any other loss, physical or mental disease, condition or issue, or otherwise,  even if we are expressly advised of the possibility of such damages or difficulties.  

Your Conduct You are agreeing that you will not use our Programs, Products, Services or  Program Materials in any way that causes or is likely to cause the Programs, Products, Services  or Program Materials, or access to them either to be interrupted, damaged or impaired in any 

way. You understand that you are solely responsible for all electronic communications and  content sent from your computer to this Website and its Content and to us.  

You must use the Programs, Products, Services or Program Materials for lawful purposes only.  You agree that you will not use our Programs, Products, Services or Program Materials in any  of the following ways:  

  • For fraudulent purposes or in connection with a criminal offense or otherwise carry  out any unlawful activity  
  • To send, use or re-use any material that is illegal, offensive, abusive, indecent,  harmful, defamatory, obscene or menacing, threatening, objectionable, invasive of  privacy, in breach of confidence, infringing of any intellectual property rights, or that  may otherwise may injure others  
  • To send, negatively impact, or infect our Programs, Products, Services or Program  Materials with software viruses or any other harmful or similar computer code  designed to adversely affect the operation of any computer software or hardware,  commercial solicitation, chain letters, mass mailings or any spam, whether intended  or not  
  • To cause annoyance, inconvenience or needless anxiety  
  • To impersonate any third party or otherwise mislead as to the origin of your  contributions 
  • To reproduce, duplicate, copy or resell any part of our Programs, Products, Services  or Program Materials in a way that is not in compliance with these Terms of Use or  any other agreement with us.  

Communication Guidelines 

If you have a question or concern about your Programs, Products, Services, or Program  Materials, you may send an e-mail to [email protected] and we will do our best to  reply to your question or concern promptly.  

Purchases and Online Commerce  

If paying by debit card, or credit card, you give us permission to automatically charge your  credit or debit card as payment for your Program, Product or Service without any additional  authorization, for which you will receive an electronic receipt.  

In the event that payment is not received by the date due, the Program, Product or Services  will not continue and we reserve the right to cease your access immediately and permanently.  If you fail to make payment in a timely manner in accordance with these Terms of Use or  voluntarily decide to withdraw from our Programs, Products or Services at any time or for any  reason whatsoever, you still will remain fully responsible for the full cost of the Programs,  Products and/or Services. 

All information obtained during your purchase or transaction for our Programs, Products and  Services and all of the information that you give as part of the transaction, such as your name,  address, method of payment, credit card number, and billing information, may be collected  by both us and our payment processing company.  

You agree to only purchase goods or services for yourself or for another person for whom you  are legally permitted to do so or for whom you have obtained the express consent to provide  their name, address, method of payment, credit card number, and billing information.  

You agree to be financially responsible for all purchases made by you or someone acting on  your behalf. You agree to use our Programs, Products, Services, and Program Materials for  legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal  purposes.  

Since we have a clear and explicit Refund Policy in these Terms of Use that you have agreed  to prior to completing the purchase of any of our Programs, Products, or Services, we do  not tolerate or accept any type of chargeback threat or actual chargeback from your credit  card company. In the event that a chargeback is placed on a purchase or we receive a  chargeback threat during or after your purchase, we reserve the right to report the incident  to all three credit reporting agencies or to any other entity for inclusion in any chargeback  database or for listing as a delinquent account which could have a negative impact on your  credit report score. The information reported will include your name, email address, order  date, order amount , and billing address . Any chargeback action will terminate your access  to the course regardless of the outcome and will also result in the loss of use of the member  portal for accessing any other content, meaning lifetime access is revoked.  

If you make a purchase from one of our affiliates, or any other individual or company through  a link provided on or through our Programs, Products or Services (“Merchant”), all  information obtained during your purchase or transaction and all of the information that you  give as part of the transaction, such as your credit card number and contact information, may  be collected by the merchant and their payment processing company as well. Your  participation, correspondence or business dealings with any affiliate, individual or company  on or through our Programs, Products or Services, and all purchase terms, conditions,  representations or warranties associated with payment, refunds, and/or delivery related to  your purchase, are solely between you and the Merchant. You agree that we shall not be  responsible or liable for any loss, damage, refunds, or other matters of any sort that incurred  as the result of such dealings with a Merchant. 

Payment processing companies and Merchants may have privacy and data collection  practices that are different from ours. We have no responsibility or liability for these  independent policies of the payment processing companies and Merchants. In addition, when  you make certain purchases through our Programs, Products or Services, you may be subject  to the additional terms and conditions of a payment processing company, Merchant or us  that specifically apply to your purchase. For more information regarding a Merchant and its 

terms and conditions that may apply, visit that merchant’s Website and click on its  information links or contact the Merchant directly.  

You release us, our affiliates, our payment processing company, and Merchants from any  damages that you incur, and agree not to assert any claims against us or them, arising from  your purchase through or use of our Website or its Content.  

Refund Policy 

Your satisfaction with your Program, Product or Service is important to us. Yet, because of  the extensive time, effort, preparation and care that goes into creating and/or providing our  Programs, Products, Services and Program Materials, we have a no refund policy. Unless  otherwise provided by law, you acknowledge that we do not offer refunds for any portion of  your payment for any of our Programs, Products, and Services, and no refunds will be  provided to you at any time. By using and/or purchasing any of our Programs, Products,  Services or Program Materials, you understand and agree that all sales are final and no  refunds will be provided.  

Termination 

You have the right to terminate your use of or participation in our Programs, Products or  Services at any time by sending an e-mail to [email protected] We reserve the  right in our sole discretion to refuse or terminate your access to our Programs, Products,  Services or Program Materials, in full or in part, at any time, without notice, by sending you  an e-mail to the e-mail address you provided upon purchase of the Program, Product or  Service. In the event of cancellation or termination by either of us, you will have 24 hours to  pay any and all remaining payments or balances that are owed to us.  

Upon termination by either of us, we reserve the right to immediately refuse or terminate  your access to any aspect of our Programs, Products, Services and/or our Program Materials,  including but not limited to our Website, private forum, e-mail communications, Facebook  groups, live webinars or conference calls, or any other method of communications related to  our Programs, Products, Services or Program Materials at any time without notice and in our  sole discretion.  

All of the terms of this Terms of Use, including but not limited to all copyright, trademark, and  intellectual property rights, disclaimers, limitations of liability, release of claims, and our  Refund Policy will still apply now and in the future, even after termination by you or us.  

Dispute Resolution 

It is hoped that should we ever have any differences, we could be able to work them out  amicably through e-mail correspondence. However, should we be unable to seek resolution  within a reasonable time, you agree now that that the only method of legal dispute resolution  that will be used is binding arbitration before a single arbitrator, selected jointly, in  accordance with the American Arbitration Association Rules. Prior to seeking arbitration, you  must send an e-mail to us at [email protected] and include all of your reasons for  dissatisfaction with your Program. You understand and agree now that the only remedy that  can be awarded to you through arbitration is full refund of your Payment made to date. No 

other actions or financial awards of consequential damages, or any other type of damages,  may be granted to you. We both agree now that the decision of the arbitrator is final and  binding, and may be entered as a judgment into any court having the appropriate jurisdiction.  

By purchasing our Programs, Products or Services you are agreeing to a modification of the  statute of limitations such that any arbitration must begin within one (1) year of the date  of your e-mail to me referenced above or you waive the right to seek dispute resolution by  arbitration or to take any other legal action.  

You also agree that should arbitration take place, it will be held in Los Angeles, CA, and the  prevailing party shall be entitled to all reasonable attorneys’ fees and all costs necessary to  enforce the decision of the arbitrator.  

In the event of a dispute between us, you agree to not engage in any conduct or  communications, public or private, including on social media, designed to disparage us, our  Company, or any of our Programs, Products or Services. Where requested by law or  arbitration, of course, you are not prohibited from sharing your thoughts and opinions as a  part of the legal process.  

If any terms of these Terms of Use are construed to be invalid or unenforceable for any  reason, it shall not affect the validity or enforceability of any other term which shall be given  full force and effect.  

Governing Law  

These Terms of Use shall be governed by the laws of the State of California, regardless of the  conflict of laws principles thereof.  

Confidentiality and Privacy.  

Confidential Information. To use our Programs, Products, Services or Program Materials, we  may seek personal data or information including your name, e-mail address, phone number,  street address, billing information, birthday, preferences, interests, assignments, or other  personally-identifying information (“Confidential Information”), or you may offer or provide  a comment, photo, image, video or any other submission to us when using or participating in  our Programs, Products, Services or Program Materials (“Other Information”). By providing  such Confidential Information or Other Information to us, you grant us permission to use and  store such information. We, in turn, will use our best efforts to keep your Confidential  Information safe, secure and confidential in accordance with these Terms of Use and our full  Privacy Policy which may be found on our Website. If you believe that any of your Confidential  Information is incorrect or incomplete, please contact us as soon as possible. We will  promptly correct any Confidential Information found to be incorrect.  

What We Do With Confidential Information. We request and require various personal data  and/or Confidential Information to understand your needs and provide you with better  services. In addition, we may use such data and Confidential Information for the following  reasons: (1) for internal record keeping, (2) to improve our Programs, Products, Services or  Program Materials, (3) to periodically send promotions about new Programs, Products or 

Services or other special offers from which you may unsubscribe at any time, (4) for  aggregate, non-identifiable data for research purposes, (5) to customize the respective  Programs, Products or Services you purchase or use according to your interests and/or (6) for  support or communication related to your Program, Product, Service or Program Materials.  

Storage. All data and Confidential Information is stored through a data management system.  This data and Confidential Information can only be accessed by those who help manage that  information in order to deliver e-mail or otherwise contact those who would like to receive  our correspondence. You agree and acknowledge that we, including but not limited to our  team, staff and affiliates, and those who manage the data management system may have  access to your Confidential Information.  

Confidentiality and Disclosure. All Confidential Information will be held in confidentiality and  will not be disclosed to third parties, except that we may disclose Confidential Information  and personally identifiable information: (1) pursuant to this terms of these Terms of Use and  Privacy Policy and our Disclaimer, (2) if we are required to do so by law, (3) in the good-faith  belief that such action is necessary to conform to the law, (4) to comply with any legal process  served on either us or our partners, sponsors, investors, or affiliates, (5) to protect and defend  our rights or property or those of our users or purchasers, and/or (6) to act as immediately  necessary in order to protect the personal safety of our users, purchasers, or the public. We  will not sell, distribute or lease your Confidential Information to third parties unless we have  your permission or are required by law to do so.  

Viewing by Others. Note that whenever you make your Confidential Information or Other  Information available for viewing by others such as through our Programs, Products, Services,  or Program Materials, our Website or social media, the Confidential Information or Other  Information that you share also can be seen, collected and used others, and therefore, we  cannot be responsible for any unauthorized use by others of such Confidential Information or  Other Information that you voluntarily share online or in any other manner.  

How We Use Cookies. We may use the standard "cookies" feature of major web browsers.  We do not set any Confidential Information in cookies, nor do we employ any data-capture  mechanisms on our Website other than cookies. You may choose to disable cookies through  your own web browser’s settings. However, disabling this function may diminish your  experience on the Website and some features of our Programs, Products, Services or Program  Materials may not work as intended. We have no access to or control over any information  collected by other individuals, companies or entities whose website or materials may be  linked to our Programs, Products, Services or Program Materials.  

Passwords. To use certain features of our Programs, Products, Services, or Program Materials,  you may be issued a group username and password or a unique individual username and  password, which you will receive through your registration and/or purchase process. You may  be able to change to username and/or password of your choosing. You are responsible for  maintaining the confidentiality of the password and account, and are responsible for all  activities (whether by you or by others) that occur under your password or account. You are  not permitted to share your username and/or password with anyone. If we learn you have 

shared your username and/or password with another person, we reserve the right to  immediately terminate your access to the Program, Product, Service, Program Materials,  Website, private forum, Facebook group or any other related communication. It is your  responsibility to protect your own password from disclosure to others. We cannot and will  not be liable for any loss or damage arising from your failure to protect your password or  account information. You are responsible for activities that take place using your password(s)  and within your account. If you share your password(s) with anyone, they may be able to  obtain access to your personal information at your own risk. You agree to notify us  immediately of any unauthorized use of your password or account or any other breach of  security, and to ensure that you exit from your account at the end of each session. By using  our Programs, Products and Services, you agree to enter true and accurate information as  part of the registration, purchase process and otherwise. If you enter a false email address,  we have the right to immediately inactivate your account. We will use our best efforts to keep  your password(s) private and will not otherwise share your password(s) without your consent,  except as necessary when the law requires it or in the good faith belief that such action is  necessary, particularly when disclosure is necessary to identify, contact or bring legal action  against someone who may be causing injury to others or interfering with our rights or  property. 

If you have any questions about any term of these Terms of Use, please contact us at  [email protected]. Thank you.