terms

8. Courses, Programs, Memberships, and Associated Materials

From time to time, the Company may offer paid or free courses, classes, memberships, communities, workshops, programs, and associated materials. Any such offerings are licensed, not sold, to you for your individual use or internal business use only, unless explicitly stated otherwise in writing.

You may not copy, share, teach from, repurpose, extract, reproduce, or commercially exploit the content of any course, membership, or program without our prior written consent. You may not provide your login to another person or entity. We reserve the right to suspend or terminate access to any course, membership, or program if we determine that account sharing, misuse, or infringement has occurred.

9. Free Content and Lead Magnets

We may provide free resources, downloads, newsletters, or educational materials in exchange for your email address or other contact information. Such materials are also protected by these Terms and may not be copied, redistributed, republished, sold, or used to create competing products or services without our express written consent.

By downloading free content, you agree that such content is licensed for your personal use or internal business use only.

10. Educational and Informational Purposes Only

The Website and all resources available through it are provided for educational and informational purposes only. AffluentHeir is a financial education brand. Nothing on this Website constitutes individualized legal, tax, accounting, investment, financial planning, brokerage, fiduciary, medical, mental health, or other licensed professional advice.

You are responsible for consulting qualified professionals regarding your specific circumstances before making financial, legal, tax, investment, business, or personal decisions.

You are solely responsible for:

• Your financial decisions

• Your use of any information provided

• Your outcomes and results

AffluentHeir does not guarantee any results.

All content is for educational purposes only and does not constitute:

• Financial advice

• Investment advice

• Legal advice

• Tax advice

• Retirement advice

• Business advice

• Academic advice

• Personal advice

You should consult licensed professionals before making decisions.

11. Accuracy of Information and Personal Responsibility

While we do strive to provide valuable and accurate information, but we make no representations or warranties regarding the completeness, accuracy, reliability, suitability, or availability of any information on the Website. The information provided may become outdated or incomplete over time.

By using this Website, you accept personal responsibility for your decisions, actions, and results. You agree to use your own judgment and conduct your own due diligence before relying on any content provided by the Company.

You agree that neither the Company nor its owner, officers, employees, contractors, agents, affiliates, or licensors shall be liable for any harm, loss, or damages resulting from your reliance on information contained on the Website or from your failure to seek advice from an appropriately licensed professional.

12. No Guarantees and Earnings Disclaimer

We do not guarantee any specific outcome, result, revenue level, income increase, debt reduction, savings result, investment return, business growth, or wealth-building outcome from your use of the Website or any products, services, or resources offered by AffluentHeir.

Any examples, testimonials, projections, or illustrations presented on the Website are for informational purposes only. They are not guarantees or promises of future performance. Your results depend on your personal circumstances, effort, discipline, execution, financial condition, market conditions, and many other variables beyond our control that we do not take liability for by no means.

We make no guarantees regarding:

• Income/Income Earnings

• Financial growth

• Investment performance

• Academia

• Business growth

• Personal growth/development

Any examples are illustrative only.

13. Payments and Billing

All prices are listed in U.S. dollars unless otherwise stated. By making a purchase through the Website, you agree to provide current, complete, and accurate payment and billing information.

You authorize the Company and its third-party payment processors to charge your selected payment method for all amounts due, including any applicable taxes and fees. If your payment is declined, reversed, disputed, or otherwise not successfully processed, we may withhold or revoke access to the applicable product or service.

We reserve the right to change prices, product offerings, promotions, and availability at any time without notice.

14. Digital Delivery, Fulfillment, and Access

AffluentHeir primarily sells digital products and digital access-based offerings. Delivery is deemed complete when the product, file, access link, login credentials, membership access, course access, confirmation page, download page, or delivery email is made available to you using the contact information or account information you provided at checkout.

You are responsible for entering the correct email address and reviewing your spam, junk, promotions, and updates folders if you do not immediately see a delivery email.

Proof of delivery, access, download activity, login activity, timestamps, or account records maintained by the Company or its service providers may be used as evidence that the product or service was made available to you.

15. No Refunds; All Sales Final

Unless otherwise expressly stated on a specific sales page or in a separate written agreement, all sales are final.

Due to the digital nature of our products and the immediate access provided upon purchase, we do not offer refunds, returns, or exchanges for digital products, downloadable resources, templates, forms, ebooks, guides, planners, trackers, or course materials.

If you enroll in a subscription, installment, membership, or recurring payment plan that is cancellable, cancellation will stop future billing only and will not entitle you to a refund for payments already processed, unless otherwise required by law or expressly stated by us in writing.

16. Payment Disputes and Chargebacks

You agree not to initiate a chargeback, reversal, or payment dispute with your bank or payment processor without first making a good-faith effort to contact us and resolve the issue directly.

If you initiate a chargeback or payment dispute, you agree that we may present evidence to the payment processor or financial institution showing:

• Your acceptance of these Terms;

• Your acceptance of our Refund Policy;

• Proof of access, delivery, download, or login activity;

• Order records, timestamps, IP records, customer communications, and related account data;

• The product description and checkout disclosures in effect at the time of purchase.

If a chargeback or dispute is initiated for a validly delivered product or service, we reserve the right to revoke access to all current and future products, memberships, courses, or services; deny future purchases; and pursue any lawful remedies available to recover the disputed amount and associated costs.

Payments are processed through third-party providers, including Stripe and Squarespace.

By purchasing, you also agree to:

• Their respective terms and conditions

• Their dispute resolution processes

We reserve the right to:

• Submit transaction records

• Provide proof of access and agreement

• Defend against disputes using this Terms agreement

You agree to be responsible for:

• Chargeback fees

• Collection costs

• Legal fees where applicable

17. Email and Electronic Communications

Visiting the Website, submitting forms, creating an account, purchasing products, or sending communications to the Company constitutes electronic communication. You consent to receive communications from us electronically, including by email and through the Website.

You agree that all notices, disclosures, agreements, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

You may unsubscribe from promotional emails at any time using the unsubscribe link provided in the communication, though we may still send you transactional or service-related communications.

18. Communication Services, Comments, and User Conduct

The Website may include blogs, comment sections, forums, communities, member areas, social features, or other communication services. You agree to use such services lawfully and respectfully.

You may not post, submit, transmit, or distribute content that is unlawful, defamatory, abusive, harassing, threatening, obscene, fraudulent, infringing, misleading, hateful, discriminatory, or otherwise objectionable. You may not upload malicious code, impersonate another person, collect others’ personal information without consent, or interfere with the use and enjoyment of the communication services by others.

We reserve the right to review, refuse, remove, edit, or disclose any content or information as necessary or appropriate in our sole discretion, including to comply with law, enforce these Terms, or protect the rights, property, and safety of the Company or others.

19. Submissions, Feedback, and User Content

If you submit feedback, suggestions, comments, ideas, reviews, testimonials, or other materials to us, whether through the Website, email, social media, forms, or otherwise, you grant the Company a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, publish, display, distribute, edit, adapt, and incorporate such materials for business, promotional, educational, or operational purposes, unless prohibited by law.

You represent and warrant that you own or control all rights in any content you submit and that your submission does not violate any third-party rights or applicable law.

20. Third-Party Links, Tools, and Services

The Website may contain links to third-party websites, tools, platforms, products, or services. Such links are provided for convenience only. We do not control and are not responsible for the content, accuracy, policies, or practices of any third-party websites or services.

Your use of any third-party platform, payment processor, email platform, analytics tool, affiliate platform, or other external service is subject to that third party’s own terms and policies.

21. Affiliate Links and Promotions

The Website may contain affiliate links, sponsored references, or promotional relationships. If you click an affiliate link and make a purchase, we may receive a commission or other compensation at no additional cost to you. We make no guarantee regarding third-party products or services and are not responsible for any issues arising from your use of them.

22. Guest Content and Third-Party Contributions

Periodically, the Website may include interviews, guest features, podcast appearances, collaborative content, or other third-party contributions. We are not responsible for the statements, opinions, advice, or representations made by third parties. Any such content reflects the views of the contributor and not necessarily those of AffluentHeir.

23. No Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, PRODUCTS, SERVICES, AND INFORMATION PROVIDED THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Website will be uninterrupted, secure, error-free, or free from viruses or other harmful components, or that defects will be corrected.

24. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY CONTENT, PRODUCTS, SERVICES, OR MATERIALS PROVIDED THROUGH THE WEBSITE.

This limitation includes, without limitation, damages for loss of profits, loss of revenue, loss of savings, loss of data, business interruption, loss of goodwill, and decisions made in reliance on Website content.

If, notwithstanding the foregoing, we are found liable for any claim arising out of or relating to the Website or these Terms, our total liability shall not exceed the amount you paid, if any, to the Company for the specific product or service giving rise to the claim during the three-month period preceding the event giving rise to the claim.

25. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, owners, employees, contractors, affiliates, agents, licensors, successors, and assigns from and against any and all claims, liabilities, damages, judgments, losses, costs, expenses, and fees, including reasonable attorneys’ fees, arising out of or relating to:

• Your violation of these Terms;

• Your misuse of the Website, products, or services;

• Your infringement of any intellectual property or other rights of any person or entity;

• Your violation of any law, rule, or regulation;

• Your submissions, content, comments, or communications;

• Any chargeback, reversal, dispute, or claim initiated by you relating to a validly delivered digital product or service.

26. Arbitration, Venue, and Waiver of Class Action

Any dispute, claim, or controversy arising out of or relating to these Terms, the Website, any purchase, or any product or service offered by the Company shall be resolved exclusively through final and binding arbitration on an individual basis, except that either party may bring a qualifying claim in small claims court.

You agree that arbitration shall take place in the State of Texas, unless otherwise required by applicable law. You waive the right to a jury trial and waive the right to participate in any class action, class arbitration, private attorney general action, or representative proceeding.

Each party shall bear its own attorneys’ fees and costs unless the arbitrator or applicable law provides otherwise.

27. International Users

The Website is controlled and operated from the United States. If you access the Website from outside the United States, you do so at your own initiative and are responsible for compliance with local laws. We make no representation that the Website or its content is appropriate or available for use in all jurisdictions.

28. Termination and Access Restriction

We reserve the right, in our sole discretion and without notice, to terminate, suspend, or restrict your access to the Website or any portion of it, including any product, service, account, course, membership, or downloadable material, for any reason, including if we believe you have violated these Terms.

Termination does not eliminate your obligations under these Terms, including obligations related to payments due, intellectual property, limitations of liability, indemnification, and dispute resolution.

We take Fraud and Abuse Protection seriously.

We reserve the right to:

• Monitor transactions for fraudulent activity

• Block or refuse service

• Report suspected fraud

Any abuse of our systems, policies, or content will result in immediate termination.

29. No Joint Venture or Other Relationship

Nothing in these Terms shall be construed to create any partnership, joint venture, employment, franchise, agency, fiduciary, or other special relationship between you and the Company. Your use of the Website does not create any professional-client, advisory, or confidential relationship unless expressly stated in a separate written agreement signed by the Company.

30. Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, Refund Policy, and any other legal notices or policies posted by us on the Website, constitute the entire agreement between you and the Company with respect to the Website and supersede all prior and contemporaneous understandings, communications, and proposals, whether electronic, oral, or written, regarding the Website.

31. Severability and Waiver

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the fullest extent permissible, and the remaining provisions shall remain in full force and effect.

No waiver by the Company of any term or condition set out in these Terms shall be deemed a continuing waiver of such term or condition or a waiver of any other term or condition.

32. Contact Information

If you have questions regarding these Terms, you may contact us at:

AffluentHeir, LLC
charea.reynolds@gmail.com