Be Intentional Financial LLC

ONLINE PROGRAM TERMS OF USE 


  1. INTRODUCTION - TERMS OF USE

The following terms and conditions (“Terms of Use”) govern the use of and access to our Programs, Program Materials, Products, Training, Services and Course Material (Collectively “Products”).  This Terms of Use Agreement states how our Products may be used so please read them carefully before accessing, purchasing or using any of our Products.


Be Intentional Financial LLC (“Company”, “we”, “us” and “our”) is the owner and operator of Take Control of Your Money: How to Create an Unshakeable Financial Foundation (“Program”). 


Any person or entity accessing, registering, purchasing or using (“User”,” you” or “your”) our Products and Program, hereby acknowledges reading and accepting our Terms of Use. You agree to be legally bound by our Terms of Use. Your continued access and use of our Products and the Program shall serve as your ongoing intent to be legally bound by our Terms of Use. If you do not agree to our Terms of Use, please do not use our Products or Program.


  1. MODIFICATIONS TO TERMS OF USE

We reserve the right to modify or change these Terms of Use without notice.  Your use of our Products and Program is subject to the most current version of our Terms of Use. It is your sole responsibility to periodically check for updates to our Terms of Use prior to accessing our Products and Program. Using our Products and Program after a modification signifies your acceptance of our modified Terms of Use whether you have read them or not.


  1.    PRIVACY AND PROTECTION OF YOUR INFORMATION

Your privacy is important to us. Our Privacy Policy explains how we collect, use, share and store your information. Please review our Privacy Policy carefully as it governs your privacy rights as a user of our Products and Program. 


  1. PURCHASING OUR PRODUCTS AND PROGRAM

In order to purchase our Products and Program, you must provide the required information and pay the amount specified.  You must ensure all information is complete and accurate. You agree to make payments as elected.  Your access, purchase and use of our Products and Program signifies that you agree to abide by our Terms of Use, Privacy Policy and Website Disclaimer. Our Products and Program are intended for the sole use of users eighteen (18) years of age or older.  Use of our Products or Program by anyone under the age of eighteen (18) is strictly prohibited and in violation of these Terms of Use. By accessing, purchasing and/or using our Products and Program, you represent you are eighteen (18) years of age or older.


  1. ACCESS TO PROGRAM

You will be granted immediate access to the Program upon payment and approval.  If your initial payment is approved and you are accepted into the Program, you can begin accessing the Program. If it is later discovered that your initial payment failed or any recurring payments have declined, you may be removed from the Program and all access will be revoked.  Once you have made all outstanding payments you will be returned to good standing and your access to the Program will be restored.  


  1. PAYMENT TERMS

In exchange for access to our Products and Program, receiving Program Privileges and use of Program Materials, you must adhere to the payment terms elected at the time of check out. Failure to strictly adhere to the payment terms elected, will result in your access to our Products and Program being restricted and/or terminated.  We reserve the right to terminate your access to our Products and Program until all outstanding payments are received. Termination of your access to our Products and Program due to non-payment will not entitle you to a refund nor will it excuse future payments. Failure to make timely payments or your voluntarily withdrawal from our Products and Program will not relieve you of past or future payment obligations. You will be fully responsible for full payment of our Products or Program whether you stop using our Products or withdraw from our Program. 


  1. CREDIT CARD AUTHORIZATION

You authorize us to charge your credit or debit card for the initial payment and to automatically charge your credit or debit card for recurring payments. Your personal information and credit card information will be collected and processed by a third party in accordance with our Privacy Policy. 


  1. REFUND POLICY

The Company provides a 30-day money-back guarantee for the Program. That money-back guarantee is governed by the following terms. In order to qualify for a refund, you must submit proof that you did the work in the Program and it did not work out for you. In the event that You seek a refund, contact us at [email protected] and let us know you’d like a refund by the 30th day no later than 11:59pm. You must include your completed homework to show full engagement with your request for a refund. If you request a refund, and do not include your coursework by the 30th day, you will not be granted a refund.


The work that you need to submit with your request for a refund includes ALL of the following terms:


Failure to submit this material will nullify your refund request and any refund due will be forfeited.


We will not provide refunds more than 30 days following the start of the Program. After day 30, all payments are non-refundable, and you are responsible for full payment of the fees for the program regardless if you complete the Program.


  1. CHARGEBACKS

Our refund policy is clear and therefore charge backs will not be tolerated.  In the event you request a chargeback on a purchase, or we receive notification of a chargeback during or after your purchase, we reserve the right to report your personal information and the chargeback to all three credit reporting agencies or to an appropriate agency for listing of the chargeback in a chargeback database and as a delinquent account.  This could have a negative effect on your credit and credit score.


  1. COLLECTION AGENCY

We reserve the right to utilize the assistance of a collection agency to collect on your account if it becomes delinquent.  Your delinquent account may be reported to all three credit agencies and could have a negative effect on your credit and credit score.


  1. TERMINATION

  1. USER’S RIGHT TO TERMINATE

You have the right to terminate your access to our Products and participation in the Program by sending an email to [email protected]. 


  1. COMPANY’S RIGHT TO TERMINATE

Company is committed to providing all Program participants with a positive Program experience. Company reserves the right, in its sole discretion to limit, suspend or terminated your access to the Program, without notice and without refund or forgiveness of payment if you become disruptive or difficult to work with, if you fail to follow the Program guidelines, or if you impair the participation of Program instructors or participants in the Program.  Company may terminate by sending you an email to the email address you provided upon purchasing the Program.


Upon termination by either party, Company reserves the right to immediately terminate access to any and all aspects of Company’s Products, Programs and Materials, including but not limited to, private membership site, website, Facebook group, training calls, webinars or any other method of communication used by Company for its Products, Programs, Program Material and Services.


Termination from the Program will not entitle you to reimbursement for any paid fees, and you will be responsible for paying all outstanding fees owed to Company.


This Terms of Use Agreement shall survive termination.  All provisions of this Terms of Use, including but not limited to Copyright, Trademark, Proprietary Rights, Non-Disparagement, Confidentiality will continue to apply, even after termination.



  1. INTELLECTUAL PROPERTY 

  1. COPYRIGHT

Our Products, Program and all Program Material are the exclusive property of Company and are copyright protected.  Our Products, Programs and Program Material are either owned exclusively by us or are legally licensed to us, unless otherwise indicated.  Our Products, Programs and Program Material is being provided to User for User’s use ONLY and cannot be copied, duplicated, traded, sold, shared, published, adopted, falsely represented as yours. This includes but is not limited to User’s team, staff, employees, family, friends and contractors.  It cannot be used to create derivative type of work, revised or used, in any manner that is improper or unauthorized for any reason whatsoever.  User is granted a limited license to use Company’s material as a single user for educational and informational purposes only.   Our content includes, but in not limited to the content, language, layout, design, graphics, appearance, photos, images and audio and media content. Using and reproducing our content for commercial gain is strictly prohibited. 


  1. TRADEMARK

All logos, trademarks, and taglines displayed on our Products, Programs and Program Materials are exclusively owned by us and protected by United States Trademark Law. You are prohibited from using our trademarks without written consent.


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


  1. USE OF PRODUCT AND PROGRAM CONTENT

  1. LIMITED LICENSE

By purchasing our Products and Programs, you (“Licensee”) are granted a revocable limited license to use our Products, Program and Program Material for your personal use only.  Your license is non-transferable and commercial use is prohibited. Simply put, your license grants you, and only you, the right to use our Products, Program and Program Material for your personal use in accordance with this Terms of Use. This means you are prohibited from sharing our Products, Programs and Program Materials with anyone, that includes family friends, colleagues, associates, and assistants.  Anyone seeking access to our Products, Program and Program Materials must request consent or purchase the Program to obtain their own license. 


As a licensee you are permitted to print and download Program Material for your own personal use.  You are prohibited from sharing, selling and repurposing our Products, Program and Program Materials. Use of our Products, Programs and Program Material through your revocable limited license does not give you ownership interest. Improper and/or unauthorized use may subject you to a claim for civil damages and/or a criminal offense.


  1. REQUESTING CONSENT TO USE OUR CONTENT

You agree to request consent to use our Products, Programs and Program Material for any purpose outside the scope of your limited license or to use our intellectual property that is trademark protected. You must request consent BEFORE using our content and intellectual property in a prohibited manner.  A request does not constitute approval.  You understand and agree that if your request is denied in full or part you must refrain from using our content and/or intellectual property beyond the scope of your limited license.  To be very clear, you may not use our Products, Programs or Program Materials in any way that is contrary to these Terms of Use unless you have received written permission to do so BEFORE HAND.  All requests can be made by sending an email to: [email protected]. 


If you are granted consent, you may only use the specific content you are granted permission to use and you may only use that content in the manner specifically permitted.  If you use content outside the scope of consent or in a manner not permitted, you will be treated as though you had no consent at all and will be requested to immediately cease your improper use and may be subject to legal action, including but not limited to copyright and trademark infringement.


  1. INFORMATION RELEASE

You grant Company an irrevocable right and permission to use any material you provide through our Products and Program such as social media posts, images, video, comments or any other submission through our website, membership site, social media platform or any other medium associated with our Products and Program.  You grant Company and anyone authorized by Company the right to reveal your identity as the author of any of your posts, comments, social media posts, images, and video.


  1. PROPRIETARY INFORMATION

You acknowledge that the methods, strategies, training and processes used in our Products and Program are Company’s Proprietary System which is owned by Company and is confidential and copyright protected. Company has taken a considerable amount of time and energy to develop Company’s Proprietary System and you agree not to duplicate, disseminate, distribute or otherwise disclose to any party or third party for any reason whatsoever, unless it is part of the Program or a legal proceeding.


  1. NON-DISPARAGEMENT

You agree that during the term of this Agreement and thereafter, you will take no action which is intended or would reasonably be expected to harm our Products, Program or Company or its or their reputation, or which would reasonably lead to unwanted or unfavorable publicity.  You also agree not to make any disparaging or defamatory statements, remarks, comments on social media, any internet site or to any third party about our Products, Program or Company. You further agree not to take any action to disrupt Company’s business or harm Company’s reputation. You agree that taking any of these prohibited acts will subject you to a defamation lawsuit and severe damages.  


  1. MEDIA RELEASE

You grant Company, its officers, employees, agents, and assignees an irrevocable right and permission to use your image, likeness, photographs, videos, audio recordings and impressions (including over the internet), silhouette, voice and any other physical likeness (including any still images, videotaped image, CD-ROMs, DVD’s and/or other analog or digital means) as captured by us or a third party through your voluntary use of our Products, Programs and class training/ participation including, but not limited to, your participation in our live events, Facebook group, recorded zoom calls, class sessions, and training calls for any purpose, including but not limited  to, commercial, educational and informational use with prospective clients and actual clients.  You also release us from any and all claims that you may have in relation to such use and the use of any posts made by you in the ways herein described. 


  1. FACEBOOK GROUP

You may be granted access to our private Facebook Group as a user of our Products and Program. These Terms of Use apply to our Facebook Group. You understand that Facebook is a public platform and as a result we cannot and do not guarantee any rights to privacy.  You understand and agree that the information, photographs and content you post in the Facebook group will be seen and shared with other people. Your use of the Facebook group represents your consent of waiver of any privacy rights to the information you voluntarily share.


  1. DISCLAIMER

Company represents it has taken great measure to accurately represent the Program and Program goals. We also go to great effort to ensure the availability and delivery of our Products, Programs and Program Material are delivered uninterrupted and without error. We make no warranties as to our Products, Program and Program Materials and you agree to accept them as is.  We will make every effort to grant you access to the Program in accordance with our Terms of Use, but we cannot always control technology and there may be times when our site may be down due to system maintenance and repair or outages beyond our control. We will make every effort to rectify such situations in a timely fashion but make no express warranties that the Program will function without interruption, that the website will be free from viruses or that there will not be technical difficulties or limitations to Product and Program access.  We will not be liable for any damages nor will you be entitled to a refund due to Product or Program interruptions, errors, defects, outages or network failures or delays.  You agree and accept that you will not have a claim for breach of contract or otherwise in respect to any such period of unavailability.


  1. LEGAL AND FINANCIAL DISCLAIMER 

Our Programs and Products are for informational and educational purposes only. The information provided in our Products, Programs, and Materials are not to be relied on or substituted for professional legal and financial advice. You are responsible for seeking professional advice from your own accountant, lawyer, financial advisor and tax advisor for any questions, concerns or advice regarding your income, taxes finances and legal situation. You are hereby advised to seek professional advice in all these areas. The information you receive from us, our Products, Programs, Services and Program Material is not legal or financial advice, it is merely information.  You agree that we are not responsible for your earnings, losses or any direct, indirect or consequential damages you suffer for actions you have either taken or refrained from taking without consulting your own financial, accounting, tax or legal advisor. You are solely responsible for consulting professional legal and financial advice and for your results.


  1. MEDICAL DISCLAIMER

Our Products and Programs are for informational and educational purposes only. The information provided in our Products, Program, and Materials are not to be relied on or substituted for professional medical or mental health advice. You are responsible for seeking professional advice from your own medical doctor, physician nurse practitioner, psychotherapist, therapist, counselor, mental health practitioner, licensed dietitian, nutritionist, clergyman or any other licensed or registered health care professional. The information you receive from us, our Products, Programs and Services and Program Material is not to be substituted for mental or physical health care advice, it is merely information. We do not provide medical or mental health care diagnosis, treatment, preventive care or seek to cure any ailments or diseases neither physically or mentally. You agree that we are not responsible for your health and if you have or suspect you have a medical or mental health issue, you should contact your own health care advisor immediately.  Do not delay, stop or disregard medical treatment or refrain from taking prescribed medications and medical treatment based on information in our Products, Program, Program Materials or Services. We are not your physician or health care provider and you are solely responsible for your own health and in seeking any necessary professional medical, psychological, religious, emotional health care treatment and advice. 


  1. SAVINGS AND EARNINGS DISCLAIMER

Our Products and Programs are for informational and educational purposes only. The testimonials provided are not intended to represent or guarantee that you will achieve the same or similar results.  Each person’s successes and results will vary as outcomes typically depend on many factors, including, but not limited to, educational background, work ethic, dedication, motivation and the amount commitment and time invested in getting the desired results.  As a result, Company cannot and does not guarantee you will save and/or earn any money. To the fullest extent permitted by law, we expressly exclude any and all liability, direct, indirect or consequential incurred by you or any third party in connection with our Products, Programs and Program Materials. Excluded losses shall include, but are not limited to lost profits, business interruptions, delays, accidents, damage, physical or mental damages, contract damages or damages of any kind.


  1. WEBSITE LINKS

Our website may contain links to other third-party sites.  These links are for your convenience and are not intended to be an endorsement, sponsorship or approval of that site and/or its owner.  We have no control over third party websites and are not responsible for any third-party website, website content, privacy policies, or any information provided by the third party or its website.


  1. INDEMNIFICATION

You agree to indemnify, hold harmless and defend Company, our affiliates, agents, contractors, employees, successors, transferees, assignees, and licensees from any and all claims brought against any of the Indemnified Parties arising from our Products and Program or your breach of any obligation, warranty, representation, or our Online Program Terms of Use, Privacy Policy, Website Disclaimer or any Agreement with us.



  1. FORCE MAJEURE

Company shall not be deemed in breach of this Agreement if Company is unable to complete the Services or any portion thereof by reason of fire, earthquake, labor disputes, acts of God or public enemy, pandemics, quarantines or lock downs imposed by any government entity, unforeseen health or travel restrictions, war, threats or acts of terrorism, State Department travel advisories, labor strikes, civil disturbances, or incapacity of Company due to any local, state, federal, national or international law, government order or regulation or any other event beyond Company’s control (collectively “Force Majeure Event”).  Upon occurrence  of any Force Majeure Event, Company shall give notice to Client of its inability to perform or of delay in completing the Services and shall either propose revisions to the schedule, if reasonable, or if it appears impossible, illegal or unreasonable for Company to perform its responsibilities under this Agreement, Company shall terminate this Agreement without impunity and shall not be liable for its inability to perform.


  1. LIMITATION OF LIABILITY

We will not be responsible or liable in any way for the information you request from our Products or Program.  We do not assume liability for delays, injuries, lost profits, accidents, business interruptions, misapplication of information, injuries of any kind due to any act of default of anyone or any business, whether owners, staff agents, joint venture partners, contractors, vendors, affiliates. You will be solely responsible for any and all liabilities, losses, claims, demands, costs and expenses that arise from our Products or Program. 


Save as otherwise set out in this “Limitation of Liability” Company’s maximum aggregate liability to you for any claims that you may have against Company its employees, agents, associates, successors, assigns, and legal representatives under this Terms of Use Agreement for direct loss in contract, tort or otherwise arising out of or in connection with the Online Terms, the Product, the Program or the Program Materials and any technical issues shall be limited to the amount of the Product or Program fee which has been paid, or is payable by you at the time of the claim. 


  1. RELEASE OF CLAIMS

We will not be responsible or liable for any direct, indirect, special, incidental, consequential or equitable damages as a result of reliance on our Products or Program. You hereby release us of any and all claims, including but not limited to, lost profits, personal or business interruption, misapplication of information or any loss of any kind.


  1. CONFIDENTIALITY AND NON-DISCLOSURE 

In the course of using our Products and Programs, Company may collect User’s confidential personal information. Company will collect, share, store and protect your personal information in accordance with our Privacy Policy. 

We respect your privacy and insist that you respect the privacy of other Product and Program users.  You agree not to violate the publicity or privacy rights of any Program participant.  We respect your confidential and proprietary information, ideas and trade secrets and insist that you respect the same rights of fellow Program participants and the Company.  You agree not to infringe any Program participant rights, to maintain the confidentiality of information shared by Program participants and Company or Company’s representatives and to refrain from using and disclosing any such confidential information in any manner, other than in program discussions during Program sessions.


  1. PASSWORDS

You may be issued a password to access our Products, Program and Program Materials.  You agree to safeguard your passcode and not share it with anyone.  You are responsible for maintaining the confidentiality of your passcode, account and all activities associated with your passcode and account, whether made by you or others.  If you share your username and passcode with anyone, we reserve the right to terminate your access to our Products, Program, Program Material, website, membership site, private Facebook group or any other related communication, without reimbursement or forgiveness of full payment obligation.


You accept full responsibility for protecting your passcode and account information and agree that we are not responsible for activities that take place using your passcode within your account.  You agree to notify us immediately upon loss of or unauthorized use of your passcode, account or any other security breach.  You agree to exit from your account at the end of every session.  You further agree to provide true and accurate information as part of the purchase and registration process.  If it is determined that you provided false information, including but not limited to a false email, we reserve the right to immediately deactivate your account and terminate your access to our Products, Programs and Program Materials. 


We agree to take all reasonable measures to keep your passcode and account information safe and secure and not share your private information unless required to do so by law.


  1. GOVERNING LAW

The laws of the State of Pennsylvania shall govern enforcement of this Agreement. Venue and jurisdiction for any court action filed regarding this Agreement or any court of competent jurisdiction in Pennsylvania. 


  1. NO WAIVER OF CONTRACT RIGHT

Company’s failure to enforce strict performance of any provision of this Agreement will not constitute a waiver of Company’s right to subsequently enforce such a provision or any other provision of this Agreement.


  1. DISPUTE RESOLUTION

Any dispute or claim arising out of or related to this  Agreement or the breach of this Agreement, which cannot be resolved by the parties within 30 days of good faith negotiation or formal mediation shall be resolved by formal binding arbitration before a single arbitrator, selected jointly, in accordance with the American Arbitration Association Rules. You understand and agree that the only remedy available to be rewarded to you through binding arbitration is full refund of your Program payment or the amount of the Program paid at the time of filing the dispute. No other action or remedy shall be available.  You agree that the decision of the Arbitrator is final and binding. 


  1. SEVERABILITY

If any provision of this Agreement is held by a court of law to be illegal, invalid, or unenforceable, (a) the parties shall amend that revision to achieve substantially the same economic effect as the original provision, and (b) the legality, validity, and enforceability of the remaining provisions of this Agreement shall not be affected or invalidated.


For any questions or concerns regarding this Terms of Use please contact us at [email protected].