CORAL CONSULTING GROUP LLC

TERMS AND CONDITIONS OF USE AGREEMENT

Please read these Terms and Conditions of Use (“TOU”) carefully.  You must agree to these TOU before you are permitted to use any Coral Consulting Group LLC digital or downloadable resources, online courses, one-on-one or group coaching, membership portals, classes, programs, workshops, or trainings, or enter any online private forums operated by Coral Consulting Group LLC (for any purpose), whether on a website hosted by Coral Consulting Group LLC or a third-party website such as an online course platform or facebook.com, whether now known or unknown (collectively the “Program”). 

By clicking on the box when signing up for the Program, you are providing the electronic equivalent of your signature and assert that you have read, understood, and agreed to this entire document.

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

As used in these TOU, the term “Releasees” is defined to include the following: (i) Coral Consulting Group LLC, its subsidiaries, affiliated companies, owners, members, managers, directors, officers, past and present employees, contractors, agents, coaches, representatives, successors, and assigns (collectively “the Company”); (ii) any Company volunteers; and (iii) Tammy Alvarez.

I. The Program 

As part of the Program, you will receive the services outlined on the web page where you register.

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any other products, programs, or services from the Company, all terms of these TOU will continue to apply unless superseded by another agreement in writing.

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

II. Program Promotional Offers

From time to time, the Company may (in the Company’s sole right and discretion) offer promotional pricing, discounts and/or bonuses, which may also include events such as challenges, boot camps, and webinars to Program participants (“Promotional Offer”).

Details of the Promotional Offer will be outlined on the Company’s webpage where you register for the Program. 

III. Payment 

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

Free Trial Period: The Company may offer participants a free trial upon registering for certain programs. You are required to provide payment details prior to enrolling in any free trial offered by the Company. By providing such payment details, you agree that the Company may automatically charge you the fee for the Program that you selected at checkout, on the first day following the expiration of the free trial. If you do not want to continue with the Program, you must email the Company at support@careerwinnderscircle.com before the expiration of the free trial to avoid being charged the fee for the Program. 

Recurring monthly payments will be automatically charged to your card on the same day every month. If you enrolled in a monthly membership Program, your monthly payment will be billed as outlined above until you cancel. You can cancel at any time before the next month’s payment is charged, as outlined below in the “Termination or Cancellation” section of these TOU. In the event you do cancel, default or late payments will be due immediately. 

Recurring annual payments will be automatically charged to your card on the same day every year. If you enrolled in an annual membership Program, your annual payment will be billed as outlined above until you cancel. You can cancel at any time before the next year’s payment is charged, as outlined below in the “Termination or Cancellation” section of these TOU. In the event you do cancel, default or late payments will be due immediately. 

If paying by debit card or credit card, you give us permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services).

If payment is not received by the date due, you will have a five (5) day grace period to make the payment, otherwise the Program will not continue and we reserve the right to terminate your access to the Program and all Content, as defined below, immediately and permanently.  

If you fail to make any payment in a timely manner or voluntarily withdraw from the Program at any time or for any reason, you will remain fully responsible for the full cost of the Program and all payments in any payment plan you have chosen. The Company reserves the right to charge a late fee on all balances more than thirty (30) days overdue. You agree to reimburse the Company for all collection and/or legal fees and expenses necessitated by lateness or default in payment.

IV. Refunds

Your satisfaction with the Program is important to us. However, because of the extensive time, effort, preparation, and care that goes into creating and providing our private coaching, memberships, workshops, and challenges, we have a no refund policy for these programs. Unless otherwise provided by law, you acknowledge that the Company does not offer refunds for any portion of your payment for any portion of these programs and no refunds will be provided to you at any time. By using and/or purchasing these programs, you understand and agree that all sales are final, and no refunds will be provided.

If you enrolled in a free trial and do not cancel your registration prior to the expiration of the free trial, you will not be entitled to a refund and any refund request made will be denied. Once the free trial period concludes, you are automatically charged for your participation in the Program; however, you may cancel at any time before the next payment is charged, as outlined below in the Termination or Cancellation paragraph of these TOU.

The Company does offer a fourteen (14) day money back guarantee for private and group coaching programs only. To receive a refund of the fee for a private or group coaching program, you must cancel your participation online (information regarding cancellation of your participation may be found on your dashboard) or email Company at support@careerwinnderscircle.com, and request a refund within fourteen (14) days of purchasing the Program.

The Company will NOT provide refunds for any request that comes more than fourteen (14) days following the date of purchase. After day fourteen (14), all payments are non-refundable, and you are responsible for full payment of the fees for the group coaching program regardless of whether you complete that program.

Upon receiving your refund request within fourteen (14) days of purchasing the group coaching program, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds.

In all other cases, you will not be granted a refund.  

BOOK RETURN POLICY:

Book returns will be accepted when received at our offices within 30 days of the order date, provided the book is in new condition so it can be resold. A full refund of the book price will be issued using the same payment method used to purchase the book. Once we receive the returned book, we’ll process your refund within 10 days of receipt. Processing times may vary based on your credit card processor.  Shipping charges are non-refundable, and return shipping is the customer’s responsibility. If the book is not in new condition, you will be notified by email within 10 days of receipt of the book. Send your book returns to: Coral Consulting Group, LLC 680 E Main Street, Ste A #865, Stamford, CT 06901 United States

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

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

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

The Company may offer additional Program elements for a subgroup of participants (i.e., women, minorities, other demographic groups). The Company reserves the right, in its sole discretion, to offer member participation in these additional Program elements to specific participants. If a participant is denied participation in these additional Program elements, no grounds for a participant to receive a refund would be created and any request for a refund on this basis will be denied.

Since we have a clear and explicit refund policy in these TOU that you have agreed to prior to completing the purchase of the Program, we do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company or payment processor. If a chargeback is placed on a purchase or we receive a chargeback threat during or after your purchase, we reserve the right to report the incident to all three credit reporting agencies or to any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could have a negative impact on your credit report score. The information reported will include your name, email address, order date, order amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

V. Procedures for Private Coaching and Consultation Sessions 

Participants may select the date and time for coaching and consultation sessions, and can find additional session details, including length and format, on the registration webpage. If you have questions regarding the coaching or consultation sessions, you should contact the Company at support@careerwinnerscircle.com. 

You may submit a request to reschedule your session by emailing the Company at support@careerwinnerscircle.com no later than seventy-two (72) hours prior to your scheduled coaching or consultation session. The Company will review your request and may agree to reschedule as the Company’s schedule permits. If the Company cannot reschedule your coaching or consultation session, or if you submit a request to reschedule less than seventy-two (72) hours prior to your session, you will forfeit that session. The Company may reschedule the coaching or consultation session, at any time, and will contact you to find a mutually agreeable date and time for the rescheduled session.  

VI. Guest Coaches and Coach Substitutes

The Company in its sole right and discretion, reserves the right to assign any and all duties, responsibilities, and obligations under the terms of these TOU, at any time, to any employees, contractors, or any other qualified third parties of Company’s choosing, to deliver, administer, and carry out all Programs, without providing advanced notice nor needing consent from any participant. 

The Company does not guarantee that the Program will be led by Tammy Alvarez. 

If a participant disagrees with or fails to consider Company’s coach or coach substitute as qualified, no grounds to receive a refund will be created, and any request for a refund on this basis shall be denied.

VII. Intellectual Property Rights

OWNERSHIP OF THE CONTENT

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

THE COMPANY’S LIMITED LICENSE TO YOU

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

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

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

The Company may partner with third parties to bundle a program package consisting of the Program and a third-party’s program. Any third-party materials or content you purchase through one of these bundles are subject to separate terms and conditions, which may include additional intellectual property provisions and policies. By purchasing a bundle, you agree to adhere to these TOU and any terms relating to the third-party’s program. 

You must receive our written permission before using any of the Program or Content for your own commercial use or before sharing with others. 

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

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

UNAUTHORIZED USE

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

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

YOUR LICENSE TO THE COMPANY; USE IN TESTIMONIALS AND MARKETING.

By posting or submitting any material during the Program such as comments, posts, photos, designs, graphics, images or videos or other contributions, you are representing to us that you are the owner of all such materials and you are at least 18 years old. You are also granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, revocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display your contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose, and granting us the right to make it part of the Company’s current or future Program and Content. This right includes granting us proprietary rights or intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you.  

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

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

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

However, if you no longer wish to grant Company the license mentioned above, please email Company at support@careerwinnerscircle.com.

REQUEST FOR PERMISSION TO USE THE CONTENT

If you wish to use any of the Content, or any other intellectual property or property belonging to the Company, you should request permission in writing BEFORE you use the Content by completing the “Contact” form on the Company’s website.

If you are granted permission by the Company, you agree to use the specific Content that the Company allows and only in the ways for which the Company has given you its written permission. If you choose to use the Content in ways that the Company does not specifically give you written permission, you agree now that you will be treated as if you had copied, duplicated and/or stolen such Content from us, and you consent to immediately stop using such Content and to take whatever actions as we may request and by the methods and in the time frame that we prescribe to protect our intellectual property and ownership rights in the Program and Content.

VIII. Coach-Client Relationship 

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

YOUR COACHES’ RESPONSIBILITIES

  • Your coaches are trained to use communication skills and coaching tools to support you as an equal partner throughout the coaching process.
  • Your coaches will provide individual guidance to group participants based on information provided to the coaches. 
  • Your coaches will answer questions through whatever forum your Program provides, such as via the Company’s website, a social media forum, live event, private message or live group coaching call. 

YOUR RESPONSIBILITIES

    • You agree to complete all tasks assigned during the Program, including but not limited to watching or listening to videos, completing worksheets and assignments, and attending coaching sessions.
    • You agree that your relationship with the Company is that of a coach-client relationship and that no other professional relationship has been established.
    • You agree that coaching is not to be used as a substitute for professional advice of any kind, including medical, mental or other qualified professional help and you agree to seek professional guidance for such matters, should they arise, independent of the coaching relationship.

    YOUR CONDUCT

      The Program is a “pitch free zone.” You agree you will not pitch, promote, market, or sell any other products, groups, programs, or events to Program participants on any Company website or third-party forums operated by the Company, whether or not officially sanctioned, owned, or operated by the Company. This means you agree not to form, or ask Program participants to join, “shadow” groups on social media or any other platform, or in-person meetups, based on interests or locality. You agree you will not invite Program participants to participate in events, such as a meetup, seminar, or program, without first receiving approval from the Company. You agree not to market, promote, or sell products or services such as, coaching services, or other products or services to Program participants, unless you are authorized or requested to do so by the Company.

      Please choose carefully the materials that you upload to, submit to, or embed on any website operated by the Company and any third-party forums operated by the Company. Any material you post on the Company’s website or in any third-party forums operated by the Company may become public. 

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

      You are strictly forbidden from the following:

      • Harassing, fighting with, or being disrespectful to other participants
      • Causing damage to any Company website or third-party forums operated by the Company
      • Using any Company website or third-party forums operated by the Company for any unlawful, illegal, fraudulent or harmful purpose or activity
      • Using any Company website or third-party forums operated by the Company to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger or other malicious software
      • Using any Company website or third-party forums operated by the Company to transmit, send or deliver unsolicited communications or for other marketing or advertising purposes
      • Systematically or automatically collecting data from any Company website or third-party forums operated by the Company
      • Sharing private and proprietary information from other participants with anyone else  
      • Discriminatory speech, hate speech, comments, or actions against another participant based on their sex, gender, age, ethnicity, race, socio-economic status, disability, or other labels

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

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

      IX. Community Guidelines

      The Company has created a community that is a safe and judgment-free space for connection, conversation, learning, and growth. Within Company’s community is the baseline expectation that all participants will treat one another with respect while bringing encouragement and consideration to all participants.

      The Company’s community guidelines are as follows:

      A. The Company’s promotes diversity amongst its Program participants. Therefore, the Company encourages all participants to connect with one another and to learn about one another’s background, interests, hobbies and points of view. The Company does not tolerate nor support any participant’s discriminatory speech, hate speech, comments, or actions against another participant based on their sex, gender, age, ethnicity, race, socio-economic status, disability, or other labels.

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

      C. The Company has created a safe space for all participants to feel seen, respected and heard. Company encourages participants to engage in respectful dialogue with one another. The Company does not support nor tolerate any disrespectful actions or comments, which include, but are not limited to hate speech, discriminatory comments, physical, or mental or emotional abuse. Therefore, each participant must demonstrate respect towards one another.

      D. Participants will support each other with words of encouragement, resources, or suggestions, while respecting each other’s boundaries. 

      E. The Company reserves the right to offer additional Program elements from time to time, for any subgroup of participants. These additional Program elements are a bonus, not a part of the services included in the base program of the Program. The selection of the participants who may participate in any additional Program elements is at the sole discretion of the Company. 

      We may also post separate rules regarding your behavior in any online community or forum, whether hosted on the Company’s website or a third-party website, which may be updated from time to time. You agree that you are bound by those rules and they are expressly incorporated into these TOU.

      X. Confidentiality

      Company is not legally bound to keep your information confidential. Nevertheless, the Company agrees to keep all information about the coaching relationship confidential except as required to complete coaching certifications, when disclosure is required by law, for example if a court issues a subpoena for the file or information, if you threaten to harm yourself or others, or if you provide your permission for the Company to do so. 

      Confidential information does not include information that:

      • was in the Company’s possession prior to your participation in the Program;
      • is generally known to the public or in your circle of friends and family and co-workers; or
      • the Company may be required by law to disclose.  
      • You acknowledge that your communications with your coach and the Company are not covered by any doctor-patient privilege or any other similar privilege.
      • You may use a screen name or pseudonym instead of your actual name for your participation in group coaching sessions and public posts on the Company website and in third-party forums operated by the Company. 
      • You agree that the Company shall not be liable for the disclosure of any of your information by another Program participant. You agree to keep all information you learn about other Program participants, their businesses, or clients (as applicable), strictly confidential except in very rare circumstances where disclosure is required by law.
      • The Company may record coaching calls and share them in the Program, on the Company’s website, or on third-party forums operated by the Company. 
      • You agree you will not share any recorded coaching calls or third-party forum postings outside the private member areas of the Company’s website or any third-party forums operated by the Company. If the Company discovers you have done so, this will be grounds for immediate termination of your access to the Program and Content.

      XI. Username and Password

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

        XII. Termination or Cancellation

        The Company reserves the right in its sole discretion to refuse or terminate your access to the Program and Content, in full or in part, at any time without notice nor refund. The Company may terminate your participation in the Program at any time, without refund, if you breach any part of these TOU. In the event of cancellation or termination, you are no longer authorized to access the part of the Program or Content affected by such cancellation or termination. The restrictions imposed on you in these TOU with respect to the Program and its Content will still apply now and in the future, even after termination by you or the Company.

        If you would like to cancel your access and participation in the Program, you must provide the Company with written notice, including by e-mail to support@careerwinnerscircle.com.

        If you are enrolled in a monthly or annual membership program or are otherwise enrolled in an ongoing automatic renewal plan that continues until you cancel, and you wish to cancel, which you may do at any time, you should e-mail the Company at support@careerwinnerscircle.com and include the following: 

        Please cancel my membership

        I understand that by canceling, I will be removed from any online forum and will lose access to all content, but that I am still bound by all ongoing provisions in the Coral Consulting Group LLC Program Terms of Use which I agreed.

        Signed,

        [ENTER YOUR NAME]

        • If you are enrolled in private coaching, group coaching, workshops, and/or challenges and you cancel, your access to the materials and Content of the Program will be immediately terminated upon your notice of cancellation. You will not be issued a refund for any payments made, remaining days or months of the Program after your cancellation.
        • If you are enrolled in a membership program and you cancel, you will continue to have access to the materials and Content of the membership Program until the end of the then-current month.
        • In the event you decide to cancel, any default, or late payments will be due immediately.

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

        • You are voluntarily participating in the Program and assume all risk of injury, illness, damage, or loss to you or your property that might result, whether arising out of the negligence of Releasees or otherwise.
        • The Program and Content provide information and education only, and do not provide any financial, legal, medical or psychological services or advice. None of the Program or Content prevents, cures or treats any mental or medical condition.  The Program and Content is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, financial advisor, or medical professional.  You are responsible for your own financial, legal, physical, mental and emotional well-being, decisions, choices, actions and results. You should consult with a professional if you have specific questions about your own unique situation. The Company disclaims any liability for your reliance on any opinions or advice contained in the Program.
        • You agree that you will not use coaching as a way of diagnosing or treating mental disorders as defined by the American Psychiatric Association. If you are in therapy or under the care of a mental health professional, you will notify and consult with the mental health care provider regarding your decision whether to work with a coach.
        • You acknowledge that, by engaging with the Company for the Program, you voluntarily assume an element of inherent risk, and knowingly and freely assume all risk and responsibility for injuries to any persons or damages to any property, and release, covenant not to sue, and hold Releasees harmless for any and all liability to you, your personal representatives, assigns, heirs and next of kin, for any and all claims, causes of action, obligations, lawsuits, charges, complaints, controversies, damages, costs or expenses of whatsoever kind, nature, or description, whether direct or indirect, in law or in equity, in contract or in tort, or otherwise, whether known or unknown, arising out of or connected with your) participation in the Program, whether or not caused by the active or passive negligence of the Releasees. This release is not intended as an attempted release of claims of gross negligence or intentional acts by Releasees.
        • In the event that the release and hold harmless provision is held unenforceable for any reason, you agree to limit any damages claimed to the total paid to the Company for the Program.

        XIV. Earnings and Results Disclaimer:  

        You agree that the Company has not made and does not make any representations about the earnings or results you may receive as a result of your participation in the Program. The Company cannot and does not guarantee that you will achieve any particular result or earnings from your use of the Program, and you understand that results and earnings differ for each individual.

        Any links to third-party programs, products, services, or sites are subject to separate terms and conditions. The Company is not responsible for or liable for any content on or actions taken by such third-party company or website. Although the Company may recommend third-party sites, products or services, it is your responsibility to fully research such third parties before entering into any transaction or relationship with them.

        The Company tries to ensure that the availability and delivery of the Program and Content is uninterrupted and error-free. However, the Company 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.

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

        THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE PROGRAM, INCLUDING ITS CONTENT, PRODUCTS OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE PROGRAM.

        XV. Security 

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

        XVI. Legal Disputes

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

          XVII. Users Outside United States

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

          XVIII. Indemnification

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

          XIX. Force Majeure 

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

          XX. General Provisions.

          The Company may modify the terms of this TOU at any time. Any modifications may be posted on the Company’s website and participants shall be notified via email. If any provision of this TOU is held invalid or unenforceable, the remainder of this TOU will remain in full force and the invalid or unenforceable provision will be replaced by a valid or enforceable provision. 

          This is the entire agreement of the parties, and reflects a complete understanding of the parties with respect to the subject matter. This TOU supersedes all prior written and oral representations.

          Updated on September 12, 2022