REFUND POLICY
Financial Freedom for Creatives
We stand by this product with 100% confidence and we want you to be 100% satisfied with it. That’s why we provide you a 30 day window to dive into the course. If you put in an honest effort and send us your completed coursework (however much you complete), we’ll happily refund the money you’ve paid us under this Agreement, less any external fees subject to the following conditions:
Course Duration. Financial Freedom for Creatives is a 12-month program. Please do not enroll in Financial Freedom for Creatives Club if you just want to “check it out.” We put an extraordinary amount of time and effort into this Program, and we expect you to do the same.
Cancellation and Refund Deadline: To be considered, Client must submit cancellation and refund request by January 31, 2025. NO EXCEPTIONS. No cancellations or refund requests accepted after January 31st. To request a refund, email support@financialfreedomforcreatives.com.
Completed Course Work. We’ll ask for your completed course work (to make sure you gave it a go) and ask what didn’t work for you (so we can learn and improve).
Company Discretion. After you submit your materials, all refunds are within the Company’s sole discretion as to whether to grant or deny the refund request.
Terms of Use: Financial Freedom for Creatives Club
By checking the box next to this Terms of Use, and clicking the “Purchase” button, you, the purchaser of the Financial Freedom for Creatives Club outlined below (hereinafter “Client”) agree and willingly purchase entry into this program to be provided with services rendered by 168 Media Inc. a California S Corporation, (hereinafter “Company”), and you agree you are voluntarily entering into a legally binding Agreement with Company, inclusive of the following terms and conditions mutually agreed upon:
For good and valuable consideration of $1098 (Pay In Full) or $108/month (Payment Plan), Client has agreed to purchase access to the Financial Freedom for Creatives Club (hereinafter “Program”). In exchange, Company agrees to provide the services outlined in the Program Details below, and Program Outline attached hereto. Client understands and agrees that Company will utilize suitable methodologies in accordance with Client’s needs, and in accordance with his/her training.
1. Program Outline:
A. Client agrees and understands Program is a twelve (12) month educational program, designed to teach the practical tools and the spiritual practices to achieve financial freedom, which includes Financial Foundations, Core Values, Decluttering Debts, Savings and Self Worth, Conscious Spending, Protecting Money and Money Fears, Taxes and Giving, Retirement and Investments.
B. Client acknowledges that he/she has read the Program Outline Addendum and conducted any additional research necessary to feel he/she understands what is being provided in Program as well as what is not included. Client agrees to be bound by the terms and conditions outlined herein, as well as the general policies and procedures that can be found in this Agreement and on Company’s website.
2. Non- Disclosure
A. Following Client’s participation in this program, Client will have gained access to various trade secrets and personal intellectual property of Company, including but not limited to materials such as verbal advice, mindset guidance, written templates, modules, technical information, business and financial guidance, and/or other information that may have become available for use through Client’s participation in Program. Client understands and acknowledges that this information is not to be openly shared with others who have not participated in Program.
B. Client agrees not to share, copy, or distribute any documents or other proprietary information obtained through Program, and agrees that he or she will be in violation of these Terms of Use if he or she uses any of the Content outlined as his/her own material, or repurposes and uses the Content in his/her own business as a product or service being offered for sale, without express written permission of Company. Client also understands and agrees he/she will not disclose or use any information provided to Client as part of its programs and/or ability to participate in Program, other than for personal use in her own business and social media accounts without permission from Company.
3. Testimonials
A. Company may request Client provide a testimonial to be published on Company’s website, sales page, or featured on Company’s social media accounts. Client understands that he or she is not required to give any testimony and understands that the choice to do so is freely up to Client. There will be no ramifications or change in relationship between Company and Client if Client refuses testimonial.
B. If Client accepts and provides Company with a testimonial, Client understands the material, along with a photo of Client, will likely be published on Company’s website, social media, or otherwise. Should Client agree to provide a testimonial, Client will agree to review and sign an additional Release if asked, confirming same, and confirming Company’s rights to use Client’s testimonial. No payment or additional services will be provided in return for Testimonial, and Client understands he or she is granting Company an unlimited, irrevocable license in perpetuity to use, publish, distribute, or repurpose any information provided to Company as part of a Testimonial.
4. Payment and Payment Plan
A. Client understands the cost of the program is One-thousand and ninety-eight U.S. dollars ($1098) which is payable up front, in full, or a payment plan of One-hundred and eight U.S. dollars ($108) per month for 12 months, or a promotion has been offered by Company. Client agrees to render payment via credit card on Company’s sales and checkout page for Program. Client understands he/she is responsible for the full payment and agrees to pay the sum requested electronically, via Company’s website or a designated third-party payment processor of Company’s choosing, in full. Absent an agreement regarding a payment plan with Company, Client must complete payment in full before becoming entitled to any products or services included within Program.
B. If Client chooses a payment plan option, Client agrees to abide by the rules and payments as explained on Company’s sales page. Should Client fail to make timely payments, or if additional payments are not able to be processed, Client will owe a $10 late fee each month payment is late, and may be subject to legal actions.
C. Company reserves the right to cancel or cease working with Client should he/she fail to make additional payments in accordance with the payment plan as agreed upon at the beginning of the Program. Should this occur, Client understands she is not entitled to a refund of funds already issues to Company in exchange for work completed thus far, and it is up to the sole discretion of Company whether Client is to have continued access to any materials made available to Client during the Program up until payments were missed.
5. Refund and Cancellation Policy
Company stands by Program with 100% confidence and wants all clients to be 100% satisfied with it. If Client puts forth an honest effort, and, within the first thirty (30) days after purchase, feels it is not working or is not right for them, Client may send Company their completed coursework via email. Upon receipt, if within the 30-day window, Company may, at its discretion, refund the money Client has paid us under this Agreement, less any external fees subject to the following conditions:
A. Course Duration. Client agrees he/she will not enroll in Program to “check it out” – Program is a twelve (12) month Program, and Company expects all clients to plan to commit for the full year. We put an extraordinary amount of time and effort into this Program, and we expect you to do the same.
B. Cancellation and Refund Deadline: To be considered, Client must submit cancellation and refund request by January 31, 2025. NO EXCEPTIONS. No cancellations or refund requests accepted after January 31st. To request a refund, email support@financialfreedomforcreatives.com.
C. Completed Course work: Company will ask for completed coursework to make sure Client gave Program a real effort, and to obtain more information about what didn’t work for Client.
As noted, all cancellations and refunds are within Company’s sole discretion, and may be approved or denied – refunds are not guaranteed.
6. Term: Termination
A. Following agreement to these Terms of Use and purchase of Program, Client is to have access to Program for as long as it is offered and technologically supported by Company. These Terms shall be in full force and effect for as long as Program is offered, and/or as long as Client continues to use and access Program, whichever is longer.
B. Company may elect to terminate Client’s ability to access Program in the event of a breach of these Terms, failure to make required payments in accordance with an agreed upon payment plan, suspected illegal activity, including but not limited to infringement or any other form of distribution or copying of any portion of Program.
7. Voluntary Participation
A. Client understands and agrees that he/she is voluntarily choosing to enroll in Program and is solely responsible for any outcomes or results. While Company believes in its services and that Program is able to help many people, Client acknowledges and agrees that Company is not responsible nor liable to Client should Client sustain any injuries, incur harm, or encounter any negative ramifications. Client agrees that he/she is fully responsible for his/her health and well-being, including participation in Program and any results therein.
B. Client understands that participating in Program, inclusive of financial wellness coaching entails risks and challenges associated with an intensive program of personal development, including, by way of example, physical, mental or emotional distress that may accompany significant life changes. By signing this Agreement, Client freely and voluntarily assumes the risks arising from his/her participation in financial wellness coaching within Program (including risks that cannot be foreseen at this time such as recommendations subject to various market, currency, economic, political and business risks). Client takes full responsibility for his/her personal health and wellbeing, actions and decisions, and personal care during Program. Company does not guarantee the future performance of any accounts set up by Client.
8. Disclaimer
A. Company cannot guarantee results of Program and cannot make any representations or guarantees regarding individual results. Client will hold Company and Program harmless if he or she does not experience the desired results. Program, and financial wellness coaching is not a substitute for counseling, psychotherapy, mental health care, or substance abuse treatment, and will not be used in place of any form of therapy. Client understands Company does not claim to employ or hire licensed medical or mental health professionals of any kind – Program provides access to coaches only. Client also understands Program is not a substitute for professional advice by legal, medical, tax, business investment, or other qualified professionals. Client is responsible for seeking independent professional guidance in these specialized areas, if needed.
B. Earnings Disclaimer: Company also does not make any guarantees or assurances regarding a particular financial outcome based on use of Program, nor is Company responsible for Client earnings, or any increase or decrease in finances based upon information within Program. Any information or testimonials regarding past or current clients’ participation in programs, or working with Company contained on Website or in sales material that contain financial information are individual, and results may vary.
C. Client understands that all services provided by Company in connection with the Program being purchased are provided on an “as is” basis, meaning it is without any guarantees, representations, or warranties, including but not limited to warranties relating to quality, non-infringement, fitness for a particular purpose, merchantability, or expectation or course of performance. Client is choosing to purchase this Program and work with Company on a purely voluntary basis and does not hold Company or Program responsible should Client become dissatisfied with any portion of the Program.
D. Client agrees that he/she does not have a cause of action, legal remedy, and is not entitled to a refund should he/she not achieve the results desired following completion of the program, as long as Company delivers the Program as described in Paragraph 1 above, or similar substitutes, upon additional agreement by Company and Client.
E. With respect to financial wellness Coaching services, Client acknowledges that:
i. She/he is free at all times to accept or reject any recommendation and that Client has the sole authority with respect to implementation, acceptance, or rejection of any recommendation or advice from Company within Program;
ii. Recommendations or additional information may be discussed and/or implemented at Client’s sole discretion with the corresponding professional advisor, including but not limited to broker, accountant, attorney, insurance agent; and
iii. It will be Client’s sole responsibility to inform Company is there is a change in his/her financial situation or investment objectives for the purpose of reviewing, evaluating, and/or revising the Company’s previous recommendations and/or services to address new planning or consulting matters.
9. Intellectual Property
A. Client agrees and understands that Company has created numerous original, creative works in connection with the Program, and agrees that Company maintains all copyrights and other intellectual property rights in all original or derivative content associated with or included in the Program, whether created prior to working with Client or specifically for Client, including but not limited to: documents, charts, emails, graphs, products, systems, processes, handouts, worksheets, copy for website or sales pages, and any other original work created by Company. Client agrees she may be granted a limited right to use selected materials in the course of his or her own business, but understands that the original proprietary rights remain with Company. Nothing in this Agreement shall constitute a transfer of ownership of any Intellectual Property from Company to Client, nor grant any license to use the information, other than that which is expressly provided throughout the course of the Program.
B. Client agrees and understands he/she is not to copy, repost, alter, publish, sell, assist others in selling, manipulate, distribute, or in any way exploit any of the content or intellectual property provided by Company or obtained through working with Company, without Company’s express written consent. If such behavior is discovered or suspected, Company reserves the right to immediately end Client’s participation in the Program without refund, as well as access to any program or materials Client may have purchased, without refund, and reserve the right to prosecute any actionable infringement or misuse to the full extent of the law.
C. Licensee Rights: Company’s Limited License to Client: Client understands that in purchasing the Program, she/he is gaining access to view all content and information available as part of the Program, as well as any additional information or content shared with him/her by Company as she sees fit. Client understands this means he/she will have been granted a limited, revocable, non-transferrable license to read and use the information provided for use in his/her business and life, as instructed or allowed by Company. As a “Licensee,” Client understands and agrees that Client will not:
i. Copy, edit, distribute, duplicate or steal any information or any Content obtained through Program without written permission by Company;
ii. Post, distribute, copy, steal or otherwise use any portion of the Program or its content, or information obtained via other members in the group Program without written permission by Company, and understand that any such use may constitute infringement, which may give rise to a cause of action against Client.
iii. Claim any content created by Company as part of the Program or otherwise given to Client is his/her own, meaning he/she cannot claim any content created by Company was Client’s work, and use in his/her business as his/her own.
iv. Share purchased materials, information, content with others who have not purchased them.
v. Client further acknowledges and understands that any such actions including but not limited to those outlined above will likely constitutes infringement and/or theft of our work, and a violation of this Agreement and United States Federal laws.
10. Release
By purchasing Program, Client acknowledges he/she understands all video and/or audio calls may be recorded by Company and shared with other current or future members of Program. Client hereby grants permission to Company to use Client’s name, likeness, image, and the likeness and sound of Client’s voice as recorded on audio or videotape without payment or any other consideration. Client understands that his/her image may be edited, copied, exhibited, published or distributed and waive the right to inspect or approve the finished product wherein Client’s likeness appears.
Additionally, Client waives any rights to royalties or other compensation arising or related to the use of the image or recording. Client also understands that this material may be used in diverse educational settings within an unrestricted geographic area. Photographic, audio or video recordings may be used for ANY USE which may include but is not limited to: Presentations, Courses, Online / Internet videos, Media, News or Press, Promotions or online advertising.
By purchasing this program, Client understands this permission signifies that photographic, video or audio recordings of Client may be electronically displayed via the internet or in the public educational setting. Client will be consulted about the use of the photographs, video or audio recordings for any purpose other than those listed above. There is no limit on the validity of this release nor is there any geographic limitation on where these materials may be distributed.
This release applies to photographic, audio, or video recordings collected as part of the Program hosted by Company.
11. Indemnification
A. Client agrees at all times to defend, fully indemnify and hold Company and any affiliates, agents, team members or other party associated with Company harmless from any causes of action, injury, illness, misunderstanding, damages, losses, costs, expenses incurred as a result of Client’s use of Program, as well as any third-party claims of any kind (including attorney’s fees) arising from his/her actions as a direct or indirect result of Client’s participation in Program. Should Company be required to defend herself in any action directly or indirectly involving Client, or an action where we decide Client’s participation or assistance would benefit Company’s defense, Client agrees to participate and provide any evidence, documents, testimony, or other information deemed useful by Company, free of charge.
12. Dispute Resolution
A. Should a dispute arise between Company and Client, the parties agree to attempt to resolve by good-faith negotiations and discussions. (Client agrees that failure to see results is not a basis for a “dispute” and agrees he or she does not hold Company responsible for any specific results, or those results which have been achieved by other clients of Company.)
B. If unable to reach a resolution informally, Client and Company agree that all disputes will be submitted for Arbitration by the American Arbitration Association, to be completed in Pasadena, California within a reasonable amount of time. Client and Company agree to participate in the arbitration process in good faith and in a manner that will effectively and efficiently resolve the dispute at hand, including the exchange of any materials, documents, or information. The decision made by the arbitrator is to be final and binding on both parties and is not to be appealed or otherwise set aside. It is to be enforceable in any court of proper jurisdiction as a judgement of law or decree.
13. Applicable Law
A. This Agreement shall be governed by and under control of the laws of California regardless of conflict of law principles, and regardless of location of Client. Client understands this and agrees that the laws of California are to be applicable here.
14. Amendments
A. This agreement may be altered, amended, changed, extended, or otherwise updated based upon the changes in relevant laws, the course or program being purchased, or due to Company’s choosing. Your continued use of the product or service will constitute agreement to this document in its most updated form.
PROGRAM OUTLINE ADDENDUM
Client understands, acknowledges, and agrees he/she is purchasing the FINANCIAL FREEDOM FOR CREATIVES CLUB (PROGRAM) by Company. Once the Program is purchased and all Agreements are agreed to, Client is to have full access to the complete PROGRAM to be completed at his or her own pace. As outlined on the sales page, PROGRAM includes the following:
1. 12 Training Videos (Delivered Live or Recorded), followed by live Q&A
2. 12 Hot Seat Coaching Calls (Client must apply to receive coaching on calls)
3. Action Guides “Fun Sheets” for any training
4. Access to Facebook Group where members can post questions and find accountability partners
5. Google Doc to track homework assignments and receive feedback from Coach throughout program
6. Guest Expert calls
· Modules: Company will make available 6+ modules, to be made available monthly. Although designed to complete in order, monthly, Client may go at his or her own pace, and work through the modules as he or she sees fit. These Modules are intended to release proprietary information created by Company for personal benefit of Client. Client agrees and understands that he/she is not to share, copy, distribute, or otherwise use (other than that which is expressly allowed) the information provided to her as a result of her participation in PROGRAM.
· Private Calls: Client understands he/she is entitled to 0-2 hour-long private sessions with Company, depending on the promotional offer. Client understands he/she is to schedule each call with Company via a scheduling link which will be provided in January. Cancellations and Reschedules are at the discretion of Company.
· Facebook Group Access: Client may also be granted access to a private group on social media organized by Company as part of the individual Coaching package. If granted access, Client agrees to use common sense when posting or responding to others in the group and agrees to refrain from posting any negative or unnecessary comments, including disparaging comments or complaints about the program.
Client has carefully read this Program Outline and acknowledges that he/she is aware of what is, and what is not included within this Program. Client is aware that this Program Outline includes EVERYTHING included within the Program. If Client expected additional information, products, services, or other information to be provided in this Program but does not see it here, Client understands it may not be included. Company is under no obligation to provide anything other than what is listed above, with the exception of updated or ever-changing Bonuses offered for limited periods of time. No edits or amendments may be made to this Program Outline Addendum without express written consent of both parties.
By completing the online purchase and being charged the amount listed above, Client confirms he or she has reviewed this Program Outline, completed any and all appropriate additional research, and asked any and all necessary questions of Company and his/her team in order to feel appropriately educated of the Program and product/service being offered. Client understands he or she will not be entitled to a refund once completing this purchase for any reason, other than as discussed above.