1. Acceptance of Terms

By accessing or using the website ChangingMoneyBeliefs.com (the "Website"), or by purchasing or using any services, courses, or content offered by Jarret Kray and ChangingMoneyBeliefs.com (collectively, the "Services"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any Services.

2. Definitions

"Website": Refers to ChangingMoneyBeliefs.com and all associated web pages, content, and applications. "Services": Refers to all coaching, courses, content, materials, and resources provided by Jarret Kray and ChangingMoneyBeliefs.com. "User", "you", "your": Refers to any individual accessing or using the Website or Services. "Content": Refers to all text, graphics, images, audio, video, software, data compilations, and any other form of information capable of being stored in a computer that appears on or forms part of this Website. "Jarret Kray", "ChangingMoneyBeliefs.com", "we", "us", "our": Refers to Jarret Kray and the entity operating ChangingMoneyBeliefs.com.

3. Eligibility

You must be at least 18 years of age to use the Website and Services. By accessing or using the Website or Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

4. Description of Services

ChangingMoneyBeliefs.com provides coaching, courses, and resources designed to help individuals explore and transform their money beliefs. These Services are for educational and informational purposes only and are intended to provide guidance and support in personal development related to financial mindset.

5. User Accounts

Account Creation: To access certain features of the Website or Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. Account Security: You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this security obligation. Prohibited Account Use: You may not share your account with others. Any unauthorized use of your account may result in termination of your access to the Services.

6. User Responsibilities and Conduct

You agree to use the Website and Services only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website or Services by any third party. Prohibited conduct includes, but is not limited to:

Engaging in any activity that is unlawful, fraudulent, or harmful. Uploading, posting, or transmitting any content that is defamatory, obscene, offensive, hateful, or otherwise objectionable. Attempting to gain unauthorized access to any part of the Website, other accounts, computer systems, or networks connected to the Website. Interfering with or disrupting the integrity or performance of the Website or Services. Using the Website or Services for any commercial purpose without our express written consent. Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity.

7. Intellectual Property

Our Content: All Content on the Website and within the Services, including but not limited to text, graphics, logos, images, course materials, videos, audio, and software, is the property of Jarret Kray and ChangingMoneyBeliefs.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our Content, except as expressly permitted by these Terms. Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and Services for your personal, non-commercial use only. Your Content: If you submit, post, or display any content on or through the Website or Services, you grant Jarret Kray and ChangingMoneyBeliefs.com a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content in connection with the operation of the Website and Services. You represent and warrant that you have all necessary rights to grant this license.

8. Payment Terms

Fees: Certain Services may require payment of fees. All fees are stated in [Specify Currency, e.g., USD or CAD or both] and are subject to change. Payment Processing: We use Stripe, a third-party payment processor, to handle all payment transactions. By making a purchase, you agree to Stripe's terms of service and privacy policy. We do not store your full payment card details on our servers. Refunds: All sales are final. We do not offer refunds for Services purchased, except as explicitly stated in a separate refund policy provided at the time of purchase, or as required by applicable consumer protection laws.

9. Disclaimers

Not Financial Advice: The Services provided by Jarret Kray and ChangingMoneyBeliefs.com are for educational and coaching purposes only and are not intended to be, and should not be construed as, financial, legal, tax, or investment advice. We are not licensed financial advisors, brokers, or legal professionals. You should consult with a qualified professional for advice tailored to your specific financial situation. No Guarantees of Results: While we strive to provide valuable insights and tools, we do not guarantee any specific financial outcomes, results, or improvements from the use of our Services. Your success depends on various factors, including your dedication, effort, and individual circumstances. "As Is" Basis: The Website and Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. We do not warrant that the Website or Services will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Jarret Kray, ChangingMoneyBeliefs.com, its affiliates, directors, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website or Services; (ii) any conduct or content of any third party on the Website or Services; (iii) any content obtained from the Website or Services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose. Our total liability to you for any damages arising out of or related to these Terms or the Services shall not exceed the amount paid by you, if any, for accessing the Services giving rise to the liability.

11. Indemnification

You agree to defend, indemnify, and hold harmless Jarret Kray, ChangingMoneyBeliefs.com, its affiliates, licensors, and service providers, and its respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website or Services, including, but not limited to, your Content, any use of the Website's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Choose a specific jurisdiction, e.g., the State of California, USA, or the Province of Ontario, Canada], without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in [Specify City and State/Province, e.g., Los Angeles, California, USA, or Toronto, Ontario, Canada] for the resolution of any disputes arising out of or relating to these Terms or the Services.

13. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or validity thereof, shall be resolved through good faith negotiations between the parties. If the dispute cannot be resolved through negotiation, the parties agree to first attempt to resolve the dispute through mediation before resorting to litigation or any other dispute resolution procedure.

14. Termination

We may terminate or suspend your access to the Website and Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Website and Services will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website or Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Website and Services.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

17. Entire Agreement

These Terms constitute the entire agreement between you and Jarret Kray and ChangingMoneyBeliefs.com regarding our Website and Services, and supersede and replace any prior agreements, oral or otherwise, regarding the Website and Services.

18. Contact Us

If you have any questions about these Terms, please contact Jarret Kray at:

[email protected]