Terms of Service

1. Eligibility

By using this site, you represent that:

• you are at least 18 years old, or
• you are using the site under the supervision of a parent or legal guardian with authority to agree to these Terms.

2. Educational Purpose Only, No Legal or Professional Advice

All information on this site, and all information contained in any materials we sell, provide, or give away, is offered for educational and informational purposes only.

Nothing on this site or in any product, book, guide, download, email, video, or other material should be interpreted as:

• legal advice,
• case-specific professional advice,
• clinical advice,
• financial advice,
• tax advice, or
• a substitute for advice from an attorney, licensed professional, or knowledgeable caseworker familiar with your specific situation.

You should seek counsel from an attorney or a knowledgeable caseworker before taking action based on information found on this site or in any materials you obtain from us.

Your use of this site does not create an attorney-client, advisor-client, fiduciary, or confidential professional relationship with us.

3. No Guarantee of Outcome

We make no guarantee that your use of this site or any product, service, or material will result in any specific outcome, approval, benefit, legal result, financial result, service change, or personal result.

Any examples, stories, testimonials, case studies, or illustrations are provided for informational purposes only and should not be interpreted as a promise or guarantee that you or anyone else will achieve the same result.

4. Satisfaction Guarantee

If we advertise or offer a Satisfaction Guarantee, that guarantee does not necessarily mean a refund of money.

Unless otherwise required by law or expressly stated in writing for a specific offer, we reserve the right, in our sole discretion, to satisfy any guarantee by providing a remedy we determine to be equal to or greater than the value of the amount paid, including, by way of example:

• replacement products,
• store credit,
• bonus materials,
• alternative digital products,
• additional resources,
• access to other content, or
• another item or service of comparable or greater value.

We may require reasonable proof of purchase and an explanation of the issue before honoring any guarantee request.

Any guarantee applies only to the original purchaser and may not be transferred.

5. Purchases, Payments, and Billing

If you purchase a product or service from us:

• you agree to provide current, complete, and accurate billing and payment information,
• you authorize us and our third-party payment processor to charge the amount due,
• you are responsible for any applicable taxes, fees, chargebacks, or related costs, and
• all prices are subject to change at any time prior to purchase.

We do not directly store full payment card data unless expressly stated. Payment transactions are typically processed through third-party payment processors.

6. Refunds, Returns, and Exchanges

Except where a specific written offer states otherwise, all sales of digital products, downloadable materials, and access-based content are final.

For physical products, any return or replacement policy will be stated on the applicable sales page or order page.

If a product or service includes a stated guarantee, that stated guarantee controls.

We reserve the right to deny refund, replacement, exchange, or guarantee requests where we reasonably believe there has been:

• abuse of the policy,
• unauthorized sharing of purchased content,
• fraud,
• chargeback abuse, or
• violation of these Terms.

7. Free Content and Lead Magnets

Any free guides, downloads, checklists, templates, videos, or other materials provided by us remain our intellectual property unless otherwise stated.

We may modify, discontinue, replace, or remove any free content at any time without notice.

8. Intellectual Property

All content on this site is owned by or licensed to us and is protected by copyright, trademark, and other applicable intellectual property laws.

This includes, without limitation: text, graphics, branding, logos, book content, videos, downloads, templates, emails, PDFs, audio, course materials, page design, and site layout.

You are granted a limited, revocable, non-transferable, non-exclusive license to access and use the site and purchased materials for your personal, non-commercial use only.

You may not, without our prior written permission: copy, reproduce, republish, upload, post, distribute, sell, sublicense, modify, create derivative works from, scrape, or exploit any part of the site or our materials for commercial purposes.

9. No Unauthorized Sharing

If you purchase or download any book, guide, PDF, course, worksheet, or other content from us, you may not share, resell, redistribute, upload, or provide access to it to others unless we expressly authorize that in writing.

This includes sharing login access, sending purchased files to others, posting private materials publicly, or uploading our content to third-party platforms.

10. User Conduct

You agree not to use the site:

• for any unlawful purpose,
• to violate any law or regulation,
• to infringe the rights of others,
• to harass, defame, threaten, or abuse others,
• to upload malicious code,
• to interfere with site operation or security,
• to attempt unauthorized access to any system or account, or
• to misuse forms, testimonials, reviews, or communications.

We reserve the right to suspend or block access to the site or any service if we believe you have violated these Terms.

11. User Submissions, Reviews, and Testimonials

If you voluntarily submit comments, reviews, testimonials, messages, feedback, photos, videos, recordings, or other content to us, you represent that:

• the submission is truthful and based on your real experience,
• you have the right to submit it,
• it does not violate the rights of any third party, and
• it is not deceptive, false, or misleading.

By submitting such content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, edit, publish, display, distribute, and otherwise use that content for lawful business purposes, including on our website, social media, emails, advertisements, future content, and promotional materials, subject to our Privacy Policy and any separate written agreement.

We reserve the right, but not the obligation, to edit or remove submitted content.

12. Privacy and Security

Your privacy matters to us. Our collection, use, and handling of personal information are governed by our Privacy Policy, which is incorporated into these Terms by reference.

We use reasonable measures designed to help protect your information. However, no method of transmission over the internet or method of electronic storage is completely secure. For that reason, we do not guarantee absolute security.

We will not knowingly sell or give your personal information to an unrelated third-party business for its own independent marketing use, except as described in our Privacy Policy or as necessary to process payment transactions, operate the site, comply with law, or work with service providers acting on our behalf.

13. Email and Marketing Communications

By submitting your contact information, downloading free materials, registering, or making a purchase, you consent to receive transactional and, where permitted by law, marketing communications from us.

You may unsubscribe from marketing emails at any time using the unsubscribe link in the email. Even if you unsubscribe from marketing communications, we may still send you service-related, purchase-related, or legally required messages.

14. Third-Party Links and Services

This site may contain links to third-party websites, platforms, payment processors, tools, or services. We do not control and are not responsible for the content, policies, security, or practices of those third parties.

Your use of third-party services is at your own risk and subject to their own terms and policies.

15. Availability and Site Changes

We may modify, suspend, discontinue, restrict, or remove any part of the site, any product, or any service at any time without notice.

We do not guarantee that the site will always be available, uninterrupted, secure, accurate, or error-free.

16. Disclaimer of Warranties

To the fullest extent permitted by law, the site and all products, services, content, and materials are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We disclaim all warranties, including, without limitation: merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, and availability.

We do not warrant that the site or materials will meet your expectations, be uninterrupted, or be free from errors, viruses, or harmful components.

17. Limitation of Liability

To the fullest extent permitted by law, Independent Lifestyles LLC, its owners, officers, employees, contractors, affiliates, licensors, successors, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of data, revenue, profits, goodwill, or business opportunity, arising out of or related to:

• your use of or inability to use the site,
• your reliance on any content,
• any purchase or use of products or services,
• unauthorized access to or alteration of your information,
• any third-party conduct, or
• any other matter relating to the site.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the site, any content, or any product or service shall not exceed the amount you actually paid to us for the specific product or service giving rise to the claim in the 12 months preceding the event giving rise to the claim.

18. Indemnification

You agree to defend, indemnify, and hold harmless Independent Lifestyles LLC, its owners, officers, employees, contractors, affiliates, licensors, successors, and agents from and against any claims, losses, liabilities, damages, judgments, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• your use of the site,
• your violation of these Terms,
• your violation of any law or regulation,
• your infringement of any rights of another person or entity, or
• any content or submission you provide.

19. Termination

We reserve the right, in our sole discretion, to terminate or restrict your access to the site or any product or service at any time, without notice, for any reason, including if we believe you violated these Terms.

The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute provisions.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles.

21. Dispute Resolution

Any dispute arising out of or relating to these Terms, the site, or any product or service shall first be addressed by good-faith efforts to resolve the matter informally.

If informal resolution is unsuccessful, any legal action shall be brought exclusively in the state or federal courts located in Virginia Beach, Virginia, and you consent to personal jurisdiction and venue in those courts, unless applicable law requires otherwise.

22. Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

23. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

24. Entire Agreement

These Terms, together with our Privacy Policy and any additional posted policies or terms applicable to a specific offer, product, or service, constitute the entire agreement between you and us regarding the site and supersede prior or contemporaneous communications relating to the site.

25. Changes to These Terms

We may update these Terms at any time. When we do, we will update the "Last Updated" date above. Your continued use of the site after changes become effective means you accept the revised Terms, to the extent permitted by law.

26. Contact Information

If you have questions about these Terms, contact: