Terms and Services

Please read these Terms of Use carefully before purchasing, accessing or using

any of our Programs, Products and Services.

Our Programs, Products, and Services are owned and operated by Latha Jay INC (“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, nontransferable 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

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.

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