No BS Agencies (a company of Worstofall Design LLC)

TERMS AND CONDITIONS OF USE

Please read these Terms and Conditions of Use (“TOU”) carefully. You (hereinafter “you” or “your”) must agree to these TOU before you are permitted to use or purchase any No BS Agencies digital or downloadable resources, online course, one-on-one or group coaching, class, program, workshop, or training, or enter any online private forums operated by No BS Agencies (for any purpose), whether on a website hosted by No BS Agencies or a third-party website such as Circle, Membership.io, Thinkific or facebook.com (collectively “the Program”). 

If you do not agree with these TOU, you may not use the Program.

As used in these TOU, the term “Releasees” is defined to include the following: (i) No BS Agencies, its subsidiaries, affiliated companies, owners, members, managers, directors, officers, past and present employees/contractors, agents, coaches, representatives, successors and assigns (collectively “the Company”, “we”, “our”, or “its”); (ii) any Company volunteers; and (iii) Pia Silva Wasterval.

1. The Programs

You will receive as part of No BS Agency Mastery:

  • All Program materials, including videos, audio, worksheets, tools, and assignments;

  • Private online Circle community;

  • Weekly group coaching calls;

  • Weekly “Monday Momentum” goal setting accountability calls

  • Coaching support in Circle in between calls;

  • Personal review and feedback of your first LP(s)

  • Additional feedback on LPs submitted to our GSD calls

  • Opportunity to join small group pod masterminds

  • In-person retreats at student ‘at cost’ price

  • Opportunity to access Year 2 & Beyond pricing

You will receive as part of No BS Clients Lab: 

  • All Program materials, including videos, audio, worksheets, and assignments;

  • Private online Circle community;

  • Monthly Q&A call;

  • Two monthly co-working calls; 

  • Coaching support in Circle in between calls.

2. Participants

If you wish to participate in another session of the Program in the future or purchase any other products, programs or services from the Company, all terms of these TOU will continue to apply unless superseded by another agreement in writing.

This Program is intended and only suitable for individuals aged eighteen (18) and above. Some of the content in this Program may not be appropriate for children. Company hereby disclaims all liability for use by individuals under the age of eighteen (18).

3. Payment 

You agree to the fees and payment schedule selected at checkout. 

If paying by debit card or credit card, you give us permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt by request. 

You may also request a copy of your upcoming payment schedule at any time by emailing alex@nobsagencies.com. 

You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services). 

In the event of a full payment failure, you authorize us to charge a lesser, partial amount of the balance owing to the same card until full payment is recovered. 

a. Payment Challenges 

Some of our most successful students are ones who struggled to pay for our programs at one point or another. Because they stayed open and in communication, they were able to overcome their challenges, make their full payments and achieve success. 

If payment is not received by the date due, you will have a fourteen (14) day grace period to make the payment. 

If you’re unable to make your full payment due after fourteen (14) days, your program access will be paused for a period of 30 days until outstanding payment has been made.

b. Early Termination

Please be aware that any changes to you or your business during the term of the contract do not constitute grounds for termination, e.g. you decide to take a full-time job or decide to no longer offer branding services. We provide upfront full access to the Program under a Pay-in-Full option or payment plan. None of our programs are subscription-based that can be canceled at any time. 

If you’re facing payment challenges, we will make every effort to work with you to overcome them. 

If you choose to terminate the Program early for any reason, then you will be subject to an early termination fee as calculated by the difference between your payments made to date and the Pay-in-Full Price, or 50% of your remaining contract balance, whichever is greater. 

Please note that these early termination discounts are accessible only when paying off your balance in full. 

If you’re not able to pay off the balance in full, then the full contract value is due without discount, and the Company will work with you to set up an accessible weekly or monthly payment amount until your balance is cleared but only with continued communication. 

If you leave the Program with an unpaid balance and stop communicating with the Company for more than two weeks, the Company will send the balance to collections and remove your access permanently. 

The Company reserves the right to charge a late fee on all balances more than thirty (30) days overdue. You agree to reimburse the Company for all collection and/or legal fees and expenses necessitated by lateness or default in payment.

c. Program-Specific Terms

No BS Agency Mastery. Participation in No BS Agency Mastery is a minimum twelve (12) month commitment. After completion of the first year, participation continues on a month-to-month basis unless and until canceled in accordance with Section 12.

No BS Clients Lab. Participation in No BS Clients Lab is a monthly membership that may be canceled at any time in accordance with Section 12.

4. Refunds

Your satisfaction with the Program is important to us. However, because of the extensive time, effort, preparation and care that goes into creating and providing the Program, we have a strict no refund policy. Unless otherwise required by law, you acknowledge and agree that:

  • No BS Agency Mastery is non-refundable, whether you are in your first year of the twelve (12) month minimum contract or in the month-to-month Year 2 and Beyond program after the first year. For clarity, Section 5 (Mastery Program Guarantee) provides a limited payment deferral and early exit option, but it does not entitle you to a refund of your deposit or any other payments already made.

  • No BS Clients Lab is non-refundable once payment has been processed. Your cancellation rights are described in Section 12 (Termination or Cancellation). For clarity, all membership fees (monthly or yearly) are non-refundable once paid, and no prorated refunds will be given for partial months or partial years, except in the case of billing errors or duplicate charges.

By using or purchasing either Program, you understand and agree that all sales are final and no refunds will be provided at any time. 

We do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company or payment processor. If 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. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

The Company reserves the right, in its sole discretion, to determine how to manage a participant who violates these TOU. Therefore, if a participant disagrees with how the Company manages another participant and requests a refund, the Company will deny such request. 

Furthermore, if a participant violates these TOU, the Company reserves the right, in its sole discretion, to offer the participant another opportunity to abide by these TOU. If a participant disagrees with the Company offering another participant a second opportunity to follow these TOU, no grounds for a participant to receive a refund would be created, and any request for a refund on this basis shall be denied. 

If, in the Company’s sole right and discretion, you persist with behaviors or actions that violate these TOU, the Company may terminate your access and participation in the Program without notice and without refund.

You have agreed to the Company’s clear and explicit refund policy before completing your purchase and agree that you will not file a fraudulent chargeback with your credit card company or payment processor. If a chargeback is found to be fraudulent, the Company reserves the right to refuse future transactions with you, report the fraudulent chargeback to credit reporting agencies and/or chargeback databases, recover all of the Company’s expenses and attorney’s fees incurred due to your payment default, and take any other appropriate legal action.

5. Mastery Program Guarantee

The following Guarantee applies only to participants enrolled in the No BS Agency Mastery (12 Month+) Program.

Payment Deferral: Your monthly payments will not begin until the later of (i) thirty (30) days after your enrollment date, or (ii) the date on which you make your first Lead Product™ sale.

Performance Guarantee: The Company guarantees that if you (a) follow the Mastery process, (b) attend weekly coaching calls, and (c) remain accountable by completing the assigned work, you will sell a Lead Product™. If you have not yet made a Lead Product™ sale within your initial payment deferral period, the Company will continue to provide you with access to the ONRAMP part of the Program with coaching support until you do, at no additional cost beyond your contracted tuition.

Limitations:

  • This Guarantee does not provide refunds, cancellations, or early termination rights.

  • The Guarantee is contingent on your active participation and completion of the required work. Lack of participation, missed coaching calls, or failure to complete the Program requirements voids this Guarantee.

  • The Guarantee applies only to the sale of a Lead Product™ and does not extend to any particular revenue level, client size, or subsequent sales results.

  • This Guarantee does not apply to any other programs, products, or services offered by the Company.

6. Intellectual Property Rights

a. Ownership of the Content

The words, videos, voice and sound recordings, training materials, design, layout, graphics, photos, images, information, materials, documents, data, databases, logos and all other information and intellectual property accessible on or through the Company website, any third-party website the Company may use to distribute or host the Program, and contained in e-mails sent to you by the Company, as well as the look and feel of all of the foregoing (“the Content”) is property of the Company and/or our affiliates or licensors, unless otherwise noted, and it is protected by copyright, trademark, and other intellectual property laws.

b. The Company’s Limited License to You

If you view, purchase or access any Program or any of the Content, you will be considered our Licensee. For the avoidance of doubt, you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only.

This means you may view, download, print, email and use one copy of individual pages of the Program and Content for your own personal purposes or your own business only.

You may not republish, reproduce, duplicate, copy, sell, display, disclose, distribute to friends, family, or any other third party, or otherwise use any material from the Program or Content for commercial purposes or in any way that earns you or any third party compensation of any kind (other than by applying them generally in your own business). By downloading, printing, or otherwise using the Program or Content for personal use you in no way assume any ownership rights of the Content – it remains at all times Company property. Any unauthorized use of any materials found in the Program or Content shall constitute infringement.

You may not use any of the Program or Content for your own commercial use, or share with others, without the express written consent of the Company.

AI Restriction: You are strictly prohibited from uploading, distributing, or otherwise making available any Content to any website, platform, software, or database where it could be accessed, ingested, or replicated by ChatGPT, other artificial intelligence technologies, or any automated content generation tools.

The trademarks and logos displayed on the Program or Content are trademarks belonging to the Company, unless otherwise indicated. Any use including framing, metatags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our written permission.

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

c. Unauthorized Use

Your use of any materials found in the Program or Content other than that expressly authorized in this TOU or by a separate written assignment, is not permitted (“Unauthorized Use”). You agree to pay liquidated damages of five (5) times the total fees paid for the Program in the event of your Unauthorized Use, or a minimum of five thousand dollars ($5,000.00), whichever is greater, in addition to any legal or equitable remedies the Company may be entitled to pursue.  This is not a penalty but an agreed liquidated damages charge for the Unauthorized Use.     

You agree that any violation or threatened violation of the Intellectual Property Rights terms in these TOU would cause irreparable injury to the Company that may not be adequately compensated by damages, entitling the Company to obtain injunctive relief, without bond, in addition to all legal remedies.

d. Your License to the Company; Use in Testimonials and Marketing. 

By posting or submitting any material during the Program such as comments, posts, photos, designs, graphics, images or videos, or other contributions, you are representing to us that you are the owner of all such materials and you are at least 18 years old. You are also 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 your 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 the Company’s current or future Program and Content. This right includes granting us proprietary rights or intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you.  

You also consent to photographs, videos, and/or audio recordings, including teleconference calls, webinars, or other communications, that may be made by the Company during the Program that may contain you, your voice and/or your likeness. In the Company’s sole discretion, we reserve the right to use these photographs, videos, and or/audio recordings and/or any other materials submitted by you to the Company or created by the Company in connection with your participation in any Program, without compensation to you at any time, now or at any time in the future.  

You also grant us, and anyone authorized by us, the right to use your likeness and identify you as the author and individual depicted in any comments, posts, photos, images, videos or other contributions created by you or the Company, or by name, email address, or screen name, for any purposes, including commercial purposes and advertising. You acknowledge that we have the right but not the obligation to use any contributions from you and that we may elect to cease the use of any such contributions in the Program or in our Content at any time for any reason. 

This means you give the Company permission to use anything you submit or post in the Program or any third-party forum or website operated by the Company, or anything captured by the Company during your participation in the Program, including images in which your face is visible and recognizable.   

e. Request for Permission to Use the Content

If you wish to use any of the Content, or any other intellectual property or property belonging to the Company, you may request permission in writing BEFORE you use the Content by sending an email to alex@nobsagencies.com.

If you are granted permission by the Company, you agree to use the specific Content that the Company allows and only in the ways for which the Company has given you its written permission. If you choose to use the Content in ways that the Company does not specifically give you written permission for, 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 the Program and Content.

7. Coach-Client Relationship 

The coaching relationship is co-creative, meaning that the coaches and you are equal partners in the coaching process.

a.  Your Coaches’ Responsibilities

Your coaches are trained to use communication skills and coaching tools to support you as an equal partner throughout the coaching process.

Your coaches will provide individual guidance to group participants based on information provided to the coaches.

Your coaches will answer questions through our online communities and on live group coaching calls.

Disclaimer: The opinions, advice, and suggestions shared by coaches during the Program, whether in group calls, online forums, or private communications, represent their individual perspectives and are not necessarily reflective of the views, policies, or positions of No BS Agencies or Worstofall Design LLC.

b. Your Responsibilities

You agree to complete all tasks assigned during the Program, including but not limited to watching or listening to videos, completing worksheets and assignments, taking the actions prompted in the lessons, and attending coaching sessions.

You agree that your relationship with the Company is that of a coach-client relationship and that no other professional relationship has been established.

You agree that coaching is not to be used as a substitute for professional advice of any kind, including medical, mental, or other qualified professional help, and you agree to seek professional guidance for such matters, should they arise, independent of the coaching relationship.

c. Hiring Between Participants or Coaches

Participants in the Program may independently choose to engage with other participants or coaches outside the Program for services unrelated to the coaching relationship. These engagements are private, independent agreements between the involved parties, and No BS Agencies and Worstofall Design LLC are not responsible for or liable in any way for these arrangements.

  • No Guarantees or Endorsements: The Company makes no guarantees, warranties, or representations regarding the quality, effectiveness, or suitability of any services provided by participants or coaches hired independently of the Program.

  • Independent Negotiations: All terms and conditions for such engagements, including pricing, deliverables, and timelines, must be negotiated directly between the parties involved. The Company will not mediate, enforce, or oversee these agreements.

  • Confidentiality: Participants and coaches must maintain the confidentiality of any proprietary information shared within the Program, even when entering into external agreements.

  • Release of Liability: By entering into any private arrangement with another participant or coach, you agree to release the Company from any claims, disputes, or liabilities arising from the engagement.

By participating in the Program, you acknowledge that any external engagements are at your own discretion and risk and are entirely independent of No BS Agencies and Worstofall Design LLC.

8. Your Conduct

The Program is a “pitch free zone.” You agree you will not pitch, promote, market, or sell any other products, groups, programs, services, or events to Program participants on any Company website or third-party forums operated by the Company, whether or not officially sanctioned, owned, or operated by the Company. This means you agree not to form, or ask Program participants to join, “shadow” groups on social media or any other platform, or in-person meetups, based on interests or locality. You agree not to market, promote, or sell products or services to Program participants except within the branding/design/marketing space, or unless you are authorized or requested to do so by the Company.

Please choose carefully the materials that you upload to, submit to, or embed on any website operated by the Company and any third-party forums operated by the Company. Any material you post on the Company’s website or in any third-party forums operated by the Company may become public. You agree to not share any private, proprietary, or Confidential Information on any website or third-party forum operated by Company, and Company hereby disclaims any and all liability for any such information you share.

You are responsible for your material and for any liability that may result from the material you post.  You participate, comment, and post material at your own risk.  Any communication by you on the Company’s website and any third-party forums operated by the Company, whether by leaving a comment, participating in a chat, public or private forum, or other interactive service, must be respectful. You may not communicate or submit any content or material that is abusive, vulgar, threatening, harassing, knowingly false, defamatory or obscene or otherwise in violation of any law or the rights of others. You agree to post comments or other material only one time. 

You are strictly forbidden from the following:

  • Harassing, fighting with, or being disrespectful to coaches or other participants;

  • Causing damage to any Company website or third-party forums operated by the Company;

  • Using any Company website or third-party forums operated by the Company for any unlawful, illegal, fraudulent or harmful purpose or activity;

  • Using any Company website or third-party forums operated by the Company to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger or other malicious software;

  • Using any Company website or third-party forums operated by the Company to transmit, send or deliver unsolicited communications or for other marketing or advertising purposes;

  • Systematically or automatically collecting data from any Company website or third-party forums operated by the Company;

  • Sharing private and proprietary information from other participants with anyone else; and

  • Discriminatory speech, hate speech, comments, or actions against a coach or another participant based on their sex, gender, age, ethnicity, race, socio-economic status, disability, or other labels.

Active Participation Requirement (No Lurking): The Program is designed for active engagement. All participants are expected to regularly contribute to discussions, calls, or activities rather than passively observe. If you fail to engage for a prolonged period (“lurking”), your participation may be deemed inactive. The Company reserves the right to issue warnings for inactivity and, after continued failure to participate, to terminate your access to the Program and Content immediately and permanently without refund.

Non-Disparagement. You agree that you will not make, publish, or communicate to any person or entity, in any medium (including social media, online forums, or other public or private channels), any disparaging, false, or defamatory remarks, comments, or statements about the Company, its owners, officers, employees, contractors, coaches, representatives, or other participants. This includes any communication that could reasonably be expected to damage the reputation, business, or goodwill of the Company or its representatives. Constructive feedback regarding the Program should be directed to the Company through official communication channels. Violation of this provision may result in immediate removal from the Program without refund.

The Company does its best to create a safe and welcoming space for all participants, however, Company cannot guarantee that all participants will follow these guidelines. Company, in its sole discretion, may remove any participant’s comments, posts, content or materials, however, Company does not have a duty to review all comments, posts, content and material shared within any online private forums or groups or on any group call. Therefore, the Company shall not be held liable for any participant’s comments, actions, posts, content or materials that result in another participant’s trauma or discomfort.

If, in the Company’s sole discretion, your conduct violates these TOU in any way, you agree that the Company may immediately and permanently terminate your participation in the Program and your access to the Content without refund.  

The Company, in its sole discretion, may delete or modify, in whole or part, any post, comment or submission to the Company’s and any third-party forums operated by the Company. The Company does not, however, have any obligation to monitor posts, comments, or material submitted by third parties. The Company neither endorses nor makes any representations as to the truthfulness or validity of any third-party posts, comments, or material on the Company website or any third-party forums operated by the Company. The Company shall not be responsible or liable for any loss or damage caused by third-party posts, comments, or materials on the Company website and any third-party forums operated by the Company.

Company reserves the right, in its sole discretion, to determine how to discipline a participant who violates these TOU, including, in Company’s sole discretion, to offer the participant another opportunity to abide by these TOU. 

If, in the Company’s sole right and discretion, you persist with behaviors or actions that violate these TOU, the Company may terminate your access and participation in the Program without notice and without refund.

9. Privacy and Confidentiality

a. Company’s Commitment to Privacy:

The Company is not legally bound to keep your information confidential. Nevertheless, the Company agrees to keep all information about the coaching relationship confidential except when disclosure is required by law, for example if a court issues a subpoena for the file or information, or if you threaten to harm yourself or others. You acknowledge that your communications with the Company are not covered by any doctor-patient privilege or any other professional relationship protected by legal privilege.

Confidential information does not include information that:

(i) was in the Company’s possession prior to your participation in the Program;

(ii) is generally known to the public or in your circle of friends, family, or co-workers; or

(iii) the Company may be required by law to disclose.

b. Participant Responsibility for Privacy:

While we strive to create a safe and private environment, you acknowledge that no platform or online forum is entirely secure. You agree to take responsibility for the content you choose to share in online forums, including Circle, Facebook, Membership.io, or other third-party platforms used by the Company.

Posts in private forums are visible to other participants and may be seen, saved, or shared outside of the intended audience, despite our guidelines. You agree to use discretion when sharing sensitive information online and to assume any risks associated with doing so.

c. Limitations on Company Liability:

The Company is not responsible for the actions of third parties, including breaches of privacy by other participants, or the security of third-party platforms used to host Program content and forums. The Company shall not be liable for the disclosure of any of your information by another Program participant.

d. Confidentiality Among Participants:

You agree to respect the privacy of other participants by not sharing their information, posts, or contributions outside the Program. You agree to keep all information you learn about other Program participants, their businesses, or their clients strictly confidential, except in very rare circumstances where disclosure is required by law.

Violations of this policy may result in immediate removal from the Program without refund.

e. Recordings and Use of Information:

The Company may record coaching calls and share them within the Program, in future programs, on the Company’s website, or in third-party forums operated by the Company. You agree you will not share any recorded coaching calls or third-party forum postings outside the private areas of the Company’s website or any third-party forums operated by the Company. If the Company discovers you have done so, this will be grounds for immediate termination of your participation in the Program and access to the Content.

f. Artificial Intelligence Restrictions

Due to privacy and intellectual property concerns, participants may not use artificial intelligence technology to record or transcribe any coaching or training session, workshop, class, or webinar attended by other participants.

g. Best Practices for Online Privacy

To help protect your privacy, we encourage you to:

  • Avoid sharing personally identifiable information (e.g., addresses, financial details) in group settings;

  • Treat all online communications as potentially viewable by unintended audiences; and

  • Regularly review and adjust your privacy settings on third-party platforms.

10. Username and Password

To access certain features of the Program, including any private membership areas, you may need a username and password. It is your responsibility to inform the Company before the Program start date if you do not receive an email containing your password to access the Program. You agree to keep your username and password confidential. During the registration process for any service or product, you agree to provide true, accurate, current and complete information about yourself. If the Company has reasonable grounds to suspect that you have provided false information, shared your username and password with anyone else, or forwarded any non-public material from the Program to any other person, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Program or any Content, in whole or part, without refund. Any personally identifiable information you provide as part of the registration process is governed by the terms of the Company’s website Privacy Policy.

11. Live or In-Person Events

If you participate in any live or in-person event as part of the Program, you agree to observe and obey all posted rules and warnings, to follow any instructions or directions given by the Company through its employees, representatives, or agents, and to abide by any decision of any Company staff or volunteers, or Company vendors or contractors, regarding your ability to safely participate in the Program. You agree to exhibit appropriate behavior at all times and to obey all local, state and federal civil and criminal laws while participating in the Program. This includes, generally, respect for other people, equipment, facilities, and property. The Company may dismiss you, without refund, if your behavior endangers the safety of or negatively affects the Program or any person, facility, or property.

You consent to medical care and transportation in order to obtain treatment in the event of injury to you as the Company, volunteers, or medical professionals may deem appropriate. These TOU extend to any liability arising out of or in any way connected with the medical treatment and transportation provided in the event of an emergency and/or injury.

Physical Activity Disclaimer: If the Program includes physical exercise, recreational activities, or any other event requiring exertion, you acknowledge that such activities carry inherent risks. You agree not to consume alcohol prior to participating in any portion of the event involving physical activity and not to use any medicine or substance that would inhibit your mental or physical ability to safely participate.

Alcohol Use: If alcoholic beverages are served or available at any part of the Program, you agree to consume them responsibly and only if you are over the age of twenty-one (21).

Property Disclaimer: The Company is not responsible for any personal item or property that is lost, damaged, or stolen during the Program, including at any events.

12. Termination or Cancellation

The Company reserves the right in its sole discretion to refuse or terminate your access to the Program and Content, in full or in part, at any time without notice. The Company may terminate your participation in the Program at any time, without refund, if you breach any part of these TOU. In the event of cancellation or termination, you are no longer authorized to access the part of the Program or Content affected by such cancellation or termination. The restrictions imposed on you in these TOU with respect to the Program and its Content will still apply now and in the future, even after termination by you or the Company.

Program-Specific Cancellation Terms:

No BS Agency Mastery. The initial term is a minimum twelve (12) months and may not be canceled during that period except as provided in Section 5 (Mastery Program Guarantee) or Section 3(b) (Early Termination). After the first year, the Program continues on a month-to-month basis. You may cancel future months by providing the Company with at least ten (10) days written notice (including e-mail) before your next recurring charge.

No BS Clients Lab. You may cancel your membership at any time from inside your Circle account or by providing the Company with at least ten (10) days written notice (including e-mail) before your next recurring charge. Your access to the materials and Content of the Program will continue until the end of your current paid billing period, at which point it will automatically terminate. All membership fees (monthly or yearly) are non-refundable once paid. The Company does not provide prorated refunds for partial months or partial years, except in the case of billing errors or duplicate charges. All refunds, if any, remain subject to Section 4 (Refunds).

No refunds are offered for any Program, regardless of cancellation date.

13. Personal Responsibility, Assumption of Risk, Release, Disclaimers

a. Voluntary Participation and Assumption of Risk

You are voluntarily participating in the Program and assume all risk of injury, illness, damage, or loss to you or your property that might result, whether arising out of the negligence of Releasees or otherwise. You acknowledge and accept the inherent risks associated with both online and live/in-person participation, including but not limited to physical activity, travel, or interaction with other participants.

b. No Professional Advice

The Program and Content provide information and education only, and do not provide any financial, legal, medical, psychological, or therapeutic services or advice. None of the Program or Content prevents, cures, or treats any mental or medical condition. The Program and Content are not a substitute for professional advice that can be provided by your own accountant, lawyer, financial advisor, therapist, or medical professional. You agree to seek independent professional guidance for such matters, and you accept sole responsibility for your decisions, actions, and results.

c. Coaching Is Not Therapy

You agree that you will not use coaching as a way of diagnosing or treating mental disorders as defined by the American Psychiatric Association. If you are in therapy or under the care of a mental health professional, you will notify and consult with that provider regarding your decision to work with a coach.

d. Release of Liability

You knowingly and freely assume all risk and responsibility for injuries to any persons or damages to any property, and release, covenant not to sue, and hold harmless the Releasees from and against any and all claims, causes of action, obligations, lawsuits, charges, complaints, controversies, damages, costs or expenses of whatsoever kind, whether direct or indirect, in law or in equity, in contract or in tort, or otherwise, whether known or unknown, arising out of or connected with your participation in the Program, whether or not caused by the active or passive negligence of the Releasees.

This release does not extend to claims of gross negligence or intentional misconduct. In the event that this release is held unenforceable for any reason, you agree to limit any damages claimed to the total amount you paid to the Company for the Program.

e. Earnings and Results Disclaimer

The Company has not made and does not make any representations about the earnings, outcomes, or results you may receive as a result of your participation in the Program. Individual results vary, and the Company cannot guarantee that you will achieve any specific outcome or income.

f. Third-Party Content Disclaimer

Any links to third-party products, services, or sites are subject to separate terms and conditions. The Company is not responsible for or liable for any content on or actions taken by third parties. Although the Company may recommend third-party sites, products, or services, you are responsible for conducting your own investigation before entering into any transaction.

g. Service Availability Disclaimer

The Company strives to ensure the availability and delivery of the Program and Content are uninterrupted and error-free. However, the Company cannot guarantee that your access will not be interrupted, suspended, or restricted from time to time, including for repairs, maintenance, or updates.

h. No Warranties

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE PROGRAM AND CONTENT ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE PROGRAM OR CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PROGRAM OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

i. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR PARTICIPATION IN THE PROGRAM OR USE OF THE CONTENT. YOU AGREE THAT THE COMPANY’S ENTIRE AGGREGATE LIABILITY AND YOUR EXCLUSIVE REMEDY FOR ANY CLAIM SHALL BE LIMITED TO MONETARY DAMAGES IN THE LESSER OF $500 OR THE AMOUNT PAID BY YOU TO THE COMPANY IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

j. AI Ingestion Ban

You may not use any artificial intelligence technology to ingest, train on, or otherwise process any of the Program Content, recordings, worksheets, or materials, whether for personal or commercial use, without the express written consent of the Company. Unauthorized use may be treated as intellectual property infringement and pursued under Section 5 (Intellectual Property Rights).

14. Security 

You acknowledge that there is an inherent risk in all forms of electronic communication, and communications between you and the Company may be unlawfully intercepted by third parties not under our control. The Company does not guarantee the security of any information transmitted via the Internet, telephone, video conference, or other electronic media. Any efforts you undertake to communicate with Company are done at your own risk. 

15. Legal Disputes

These TOU shall be governed by and construed in accordance with the laws of the State of New York without giving effect to its conflict of laws principles. The state and federal court nearest to Brooklyn, NY shall have exclusive jurisdiction over any case or controversy arising from or relating to the Program or Content, including but not limited to the Company’s Privacy Policy or these TOU. By using the Program or Content, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non conveniens. The prevailing party in any dispute between the parties arising out of or related to these TOU, whether resolved by negotiation, mediation, or litigation, shall be entitled to recover its attorneys’ fees and costs from the other party.

16. Users Outside United States

The Company controls and operates the Program from offices in the United States. The Company does not represent that the Program or its Content is appropriate or available for use in other locations. People who choose to access the Program from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

17. Indemnification

You agree to defend, indemnify, release, and hold harmless the Company and any directors, officers, agents, contractors, partners, assigns, successors-in-interest and its and their employees from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including but not limited to attorney’s fees) arising from or in connection with: (i) your use of the Program or Content in violation of these TOU, (ii) any breach by you of these TOU or any representation and warranty made by you herein, (iii) any comment, post, or material you submit to the Company’s website or any third-party forum or website operated by the Company, including any claims your comment, post, or material violates or infringes the intellectual property rights of a third party, (iv) your use of materials or features available on the Program or Content (except to the extent a claim is based upon infringement of a third-party right by materials created by the Company), (v) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.

18. Force Majeure 

The Company shall not be deemed in breach of this TOU if the Company is unable to complete all of the Program or any portion thereof by reason of fire, earthquake, labor dispute, act of God or public enemy, epidemic, pandemic, death, illness or incapacity of the Company or any local, state, federal, national or international law, governmental order or regulation or any other event beyond Company’s reasonable control (collectively, “Force Majeure Event”). Upon occurrence of any Force Majeure Event, the Company shall give notice to Client of its inability to perform or of delay in completing the Program and shall propose revisions to the schedule for completion of the Program or other accommodations, or may terminate this TOU.

19. General Provisions.

This TOU constitutes the entire agreement between you and the Company and reflects a complete understanding of the parties with respect to the subject matter. It supersedes all prior written or oral representations.

The Company reserves the right, in its sole discretion, to modify, amend, or update these TOU at any time. Any such modifications shall be effective immediately upon posting to the Company’s website or notifying participants by email or through the Program platform, whichever occurs first. Your continued participation in the Program after such modifications constitutes your acceptance of the revised TOU.

If any provision of this TOU is held invalid or unenforceable, the remainder of this TOU will remain in full force and effect, and the invalid or unenforceable provision will be replaced by a valid or enforceable provision that most closely matches the intent of the original provision.


By clicking on the box when signing up for the Program, you are providing the electronic equivalent of your signature and assert that you have read, understood and agreed to this entire document. If you do not agree with these TOU, do not purchase or use the Program or Content.

Updated on 10/2/2025