TERMS AND CONDITIONS OF USE (DIGITAL PRODUCTS)

Last Updated on September 20, 2025.

These are the official Terms and Conditions of Use for Michelle Halpern Inc., located at 313 GRAND BLVD #466, VENICE, CA 90294 (the “Company,” “we,” “us,” or “our”).

Contact: [email protected]

“You” and “your” refers to users of our website, communications, products, services, and related materials (collectively, the “Offering”).

NOTICE: These Terms and Conditions of Use are legally binding. It is your responsibility to read them carefully before purchasing, using, or accessing any Offering (including online courses, downloads, templates, and other digital content).

GENERAL PROVISIONS

This website is owned and operated by the Company. You must be at least 18 years old (or the age of majority in your jurisdiction) to use the website or purchase the Offering. Your use is at your own risk. While we host our site on reputable platforms and take reasonable steps to maintain it, we make no representations or warranties as to the safety or your individual use of the site. These Terms may be updated at any time; the effective date appears above. By accessing or using the Offering in any way, you agree to these Terms and our Privacy Policy.

TERMS OF SITE & PURCHASER AGREEMENT

All Offerings are owned and provided by the Company. These Terms govern and define how you may access and use the Offering. We may update these Terms at any time and will reflect the change in the “Last Updated” date above. You are legally bound by these Terms whether or not you have read them. If you do not agree, email us at the contact above; we will make reasonable efforts to remove your access to our Offering and websites.

YOUR PRODUCT OR COURSE USE AND CONSENT

At checkout you were notified that these Terms apply. By purchasing, accessing, or continuing to use the Offering, you agree to these Terms and to any disclaimers and privacy disclosures referenced herein. If we learn you are under the age of majority, we may terminate your access.

INTELLECTUAL PROPERTY NOTICE

All images, text, designs, graphics, trademarks, service marks, digital products, and other content are owned by the Company or properly attributed third parties. Any use without prior written permission is a violation of applicable law and these Terms. We reserve all rights to seek damages and injunctive relief. You may not use our intellectual property in any way—including reposting text, images, or designs on another website or social platform—without express written permission, except to the extent such use is permitted under applicable copyright “fair use” or similar legal exceptions. Nothing in these Terms transfers any ownership rights in our intellectual property to you.

YOUR MATERIALS AND CONTRIBUTIONS

If you submit comments, photos, videos, testimonials, or other materials on any platform we own or manage (including third-party group pages used to deliver the Offering):

- You represent and warrant that you own or have the necessary rights to such content.

- Unless you clearly state in the submission that we may not do so (for example, by including “DO NOT USE COMMERCIALLY” in your submission or emailing us promptly), you grant us a non-exclusive, royalty-free, worldwide, sublicensable license to use, reproduce, publish, and display your submission for our legitimate business purposes, including marketing and promotion of the Company and the Offering.

- We will not falsely state or imply that you are a paid spokesperson or that you formally endorse the Company, beyond using your content in a manner consistent with normal testimonial and user-generated content practices.

If you later wish to revoke permission for future use of a particular piece of content, you may email us at the contact above. We will make reasonable efforts to cease new uses on a going-forward basis, but this will not require us to remove content from materials already produced, distributed, or in process.

PRODUCT REVIEWS

If you leave a rating or review, you agree that you:

1. Have used the product sufficiently to comment knowledgeably.

2. Will not use offensive, discriminatory, or unlawful language.

3. Will not make knowingly false or misleading statements of fact.

4. Are not a competitor (as determined in our sole discretion) acting in bad faith.

We may accept, moderate, or reject any review in our discretion if it violates these guidelines. By posting a review, you grant us a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, modify, translate, display, and distribute the review content in connection with our business. Nothing in these Terms is intended to prevent you from leaving an honest review based on your actual experience, or from exercising any rights you may have under applicable law, including consumer review protections.

MODEL RELEASE & NOTIFICATION OF USE

You must own any image(s) you upload or submit to us. By default, and unless you clearly tell us otherwise at the time of submission or by emailing us promptly, you grant us a non-exclusive, royalty-free, worldwide license to use your profile image(s) or any images you voluntarily provide in connection with the Offering for our reasonable business and marketing purposes (including website, sales pages, and social media) without an obligation to notify you in advance. We will not materially alter the context of the image in a way that is misleading or defamatory, and we will not use your image to falsely imply that you are a paid spokesperson or that you formally endorse the Company, beyond typical testimonial and user-generated content uses. If you wish to limit or revoke future use of an image, you may contact us at the email above. We will make reasonable efforts to cease new uses on a going-forward basis but cannot guarantee removal from materials already created, distributed, or cached by third parties.

LIMITED LICENSE TO DIGITAL PRODUCTS

All materials—paid or free—accessed through our Offering are owned or licensed by the Company. We grant you a limited, non-transferable, non-exclusive, revocable license for personal, non-commercial use by one (1) individual. Team or multi-user access requires additional licenses (one per user), which must be purchased separately or as expressly permitted by us in writing.

You may:

- Access the Offering for your personal use.

- Download/print materials for your personal use.

- Use our trademarks/copyrighted materials only with our prior written consent and proper attribution (e.g., © [YEAR] Michelle Halpern Inc.; ™/® as applicable).

You may not:

- Re-sell, share, loan, or transfer your access to any other person or entity.

- Reprint, republish, distribute, or publicly display any portion of the Offering, except as expressly allowed in these Terms or with our prior written consent.

- Create derivative works, reproduce, or “tweak and distribute” the Offering as your own.

- Claim ownership over our intellectual property or trade dress.

- Use the Offering for unlawful purposes or to violate any law.

- Attempt to bypass digital rights management (DRM), access limits, or technical protections.

Requesting Permission: Email us before using, publishing, or accessing any of our content beyond this license.

Civil & Criminal Penalties: Unauthorized use may constitute infringement or theft. You consent to personal jurisdiction in our location for disputes related to the Offering, subject to the “Dispute Resolution” section below.

SECURITY, PRIVACY & ASSUMPTION OF RISK

Security. You are responsible for safeguarding your login credentials and limiting access to your account. Payments are processed by third-party processors (e.g., Stripe, PayPal, or similar). By using these processors, you agree to their terms and hold us harmless for issues arising from their services, to the extent permitted by law.

Privacy. We process personal data in accordance with our Privacy Policy, which explains what data we collect, how we use it, and your rights. Our Privacy Policy is incorporated by reference into these Terms.

Confidentiality. Unless otherwise stated in a separate written agreement, no communications are confidential. Do not share sensitive personal, financial, or health information that you do not wish to be handled under our standard processes.

Assumption of Risk. By accessing the Offering, you assume all risks of your use and any actions you take based on the information provided. You are solely responsible for evaluating and implementing any advice, strategies, or recommendations.

YOUR COMMUNICATIONS

Communications through our site or platforms (including contact forms, comments, and newsletter sign-ups) are not confidential and may be viewable by third parties. We may republish or use submissions as reasonably necessary in our business, consistent with these Terms. You agree not to submit content that is unlawful, libelous, obscene, abusive, harassing, or otherwise inappropriate. We reserve the right to remove any such content in our discretion. For more information on how we collect and use data from these communications, please review our Privacy Policy.

DISCLAIMERS

Our website and materials are for educational and informational purposes only. Nothing in the Offering is intended as, or should be construed as, medical, legal, accounting, or individualized financial advice. You should consult appropriate licensed professionals for such advice. You agree to indemnify and hold us harmless from any losses resulting from your use, including technology failures outside our control. We strive to keep content current but cannot guarantee completeness or accuracy. Your use of the information is at your own risk.

Earnings Disclaimer. Individual results vary. Testimonials, case studies, or examples are not typical and do not guarantee that you will achieve similar outcomes. We make no guarantees regarding results or earnings.

Third-Party & Warranties Disclaimers. We are not liable for the conduct of other users, third-party service providers, or third-party websites linked from our Offering.

THE OFFERING IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY, OR ERROR-FREE OPERATION, TO THE FULLEST EXTENT PERMITTED BY LAW.

Technology Disclaimer. We use reputable platforms and service providers but cannot guarantee uninterrupted access. You agree we are not liable for outages, interruptions, or third-party failures except in cases of our gross negligence, to the extent such limitation is permitted under applicable law.

Errors & Omissions. We do not warrant the accuracy, timeliness, performance, completeness, or suitability of the Offering or related materials for any particular purpose. You acknowledge that such information may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages. In such cases, the exclusions and limitations in these Terms shall apply only to the extent permitted by the laws of your jurisdiction.

INDEMNIFICATION, LIMITATION OF LIABILITY & RELEASE

You agree to indemnify and hold harmless the Company and our affiliates, officers, employees, contractors, successors, and assigns from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:

- Your use or misuse of the Offering;

- Your violation of these Terms; or

- Your violation of any applicable law or third-party rights.

To the fullest extent permitted by law, our total aggregate liability for any claim or series of related claims arising out of or in connection with the Offering or these Terms shall not exceed the amount you actually paid for the specific Offering giving rise to the claim. Nothing in these Terms is intended to exclude or limit liability that cannot be excluded or limited under applicable law.

TERMINATION

We may terminate or suspend your access to the Offering for any violation of these Terms, with or without notice, and may block your IP or account to prevent further access. You may stop using the Offering at any time. Termination by either party does not relieve you of any outstanding payment obligations, and all provisions which by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and dispute resolution) shall survive.

FINANCIAL CONSIDERATIONS

Purchases & Payment. You authorize us (or our processor) to charge your chosen payment method for the amount shown at checkout and agree to provide current, accurate information. We may change prices for new purchases at any time.

Recurring Payments. If you enroll in a recurring or auto-renewing Offering, you authorize future charges until you cancel. You may cancel by contacting us before the next renewal date; cancellations typically take effect at the end of the current term.

Pricing Errors. We may correct pricing errors even after payment and will notify you to determine next steps (such as refunding or offering you the option to proceed at the correct price).

Refunds & Return Policy — Digital Products. All sales of digital products are final. Because our Offerings are delivered electronically (e.g., instant download, streaming access, or emailed link), we do not offer returns, exchanges, or refunds once (a) access is granted, (b) a download link is delivered, or (c) files are accessed—whichever occurs first. Where required by applicable law (for example, mandatory consumer or cooling-off rights), we will honor those non-waivable rights. Any discretionary exceptions are at our sole discretion and do not waive or modify this policy for future purchases.

Additional Rights for Certain Customers. If you are a consumer residing in a country or region that provides mandatory rights relating to digital content (such as a cooling-off or withdrawal period), we will honor those rights to the extent required by applicable law. For example, if you are a consumer in the European Union, United Kingdom, or a similar jurisdiction, you may have a legal right to withdraw from certain digital content purchases within a specified period, unless you have expressly consented to immediate performance and acknowledged that you will lose your right of withdrawal once delivery begins. Where we rely on such consent, we will clearly present this information to you at checkout. This policy does not affect any statutory rights you may have that cannot be waived under applicable law.

Promotional Pricing & Adjustments. We do not offer post-purchase price adjustments or credits if the price for an Offering is later reduced or offered as part of a promotion.

Chargebacks. You agree to contact us for support before initiating a chargeback. If you pursue a chargeback, you may forfeit access to the Offering and any associated bonuses. We reserve the right to provide proof of download/access and your agreement to these Terms to your payment provider in response to a chargeback or similar dispute.

Revocation of Access for Non-Payment. If any payment is reversed, declined, or charged back, your access may be suspended or revoked until the account is brought current. Unpaid balances may be referred to collections; you are responsible for associated fees, including reasonable attorneys’ fees and costs, to the extent permitted by law.

Currency & Taxes. Unless otherwise stated, charges are in U.S. Dollars. Applicable sales tax, VAT, GST, or similar taxes will be collected as required by law based on your or our location(s).

Order Cancellation. Because delivery is digital and typically immediate, we generally do not cancel orders once placed. In limited cases where access has not yet been provided, we may cancel at our discretion.

No Reselling or Redistribution. We prohibit orders placed for the purpose of reselling, sharing, or redistributing our digital products. We may block or terminate access for suspected misuse or violation of this restriction.

DISPUTE RESOLUTION

If a dispute arises between you and the Company, the parties agree to the following process:

1. Good-Faith Negotiation: First, the parties will attempt to resolve the dispute through good-faith, informal negotiation.

2. Non-Binding Mediation: If the dispute cannot be resolved through negotiation, the parties agree to submit the dispute to non-binding mediation, conducted in Los Angeles, California, or remotely by mutual agreement.

3. Court Action: Only if mediation does not resolve the dispute may either party file a lawsuit or other legal action, subject to the “Law & Jurisdiction” section below.

Nothing in this section prevents either party from seeking injunctive or equitable relief where appropriate.

NON-DISPARAGEMENT

You agree not to make knowingly false or misleading statements of fact about the Company, the Offering, or our owners, officers, or employees that could materially harm our reputation or business. This section is not intended to (a) prevent you from sharing your honest opinions or experiences; (b) restrict your ability to leave truthful reviews; or (c) limit any rights you may have under applicable law, including consumer review protections.

ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any order form/checkout terms, constitute the entire agreement between you and the Company regarding the Offering, and supersede all prior or contemporaneous agreements, proposals, and communications.

LAW & JURISDICTION

Subject to any non-waivable rights you may have under applicable consumer laws, these Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. To the extent permitted by applicable law, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California, for any permitted court action arising out of or relating to these Terms or the Offering. Nothing in this section is intended to limit any rights you may have to bring claims in small-claims courts or similar tribunals where such rights are granted by applicable law.

CONSENT

By using our website and/or purchasing the Offering, you acknowledge that you have read, understood, and consent to be bound by these Terms and our Privacy Policy.

ALL RIGHTS RESERVED

All rights not expressly granted in these Terms are reserved by the Company.

SEVERABILITY

If any provision of these Terms is held unlawful, void, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid provision shall be deemed modified only to the minimum extent necessary to render it enforceable, if possible.