Terms & Conditions

1. Acceptance of Terms

By placing an order for products from this website, you (a) agree these Terms govern your purchase of the goods or services, (b) represent and warrant that you:

• Are at least 18 years old and the age of majority in your jurisdiction
• Have read these Terms in their entirety
• Agree to be bound by all of the Terms and be held liable for any noncompliance
• Have the legal capacity to enter into these Terms

If you do not agree to these Terms or are unable to commit to the foregoing, do not make the purchase.

2. Digital Product Agreement

By purchasing any product from Time To Thrive, you acknowledge and agree that:

• All products are 100% digital content - no physical items will be shipped
• Access is granted immediately upon successful payment via email delivery
• Content is for personal use only and is non-transferable
• You are buying products for personal use only, not for commercial resale or export
• You will comply with all applicable laws related to your purchase, receipt, possession, and use of any products

3. Order and Payment

You agree that your order is an offer to buy, under these Terms, all products and services listed in your order. All orders must be accepted by us or we will not be obligated to sell the products or services to you. We may choose not to accept any orders in our sole discretion.

All payments are processed securely through ClickBank, our authorized payment processor. By completing a purchase, you:

• Represent that the payment information you supply is true, correct, and complete
• Are duly authorized to use such payment method for the purchase
• Authorize us to charge your payment method for the total amount of your order
• Agree that charges incurred by you will be honored by your payment provider

Your purchases will appear on your statement under the name "CLKBANK*" followed by a customer service phone number and/or product description. All prices are listed in USD and are subject to change without notice.

4. License and Usage Rights

Upon purchase, you are granted a personal, non-exclusive, non-transferable license to:

• Access and download the purchased digital content
• Use the content for personal development purposes
• Store the content on your personal devices

You may NOT:

• Redistribute, resell, or share access to the purchased content
• Reproduce or duplicate the content for commercial purposes
• Modify, adapt, or create derivative works from the content
• Remove any copyright or proprietary notices from the content

5. Refund Policy

In accordance with ClickBank's Return Policy, we offer a 60-day money-back guarantee. If you are not satisfied with your purchase, you may request a full refund within 60 days from the date of purchase. For full details, please see our Refund Policy.

To request a refund, contact us at mychoice@timetothrive100.com or contact ClickBank directly for customer service assistance.

6. Disclaimer of Warranties

YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES OFFERED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY WHATSOEVER, INCLUDING ANY:

• WARRANTY OF MERCHANTABILITY
• WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE
• WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY

WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES, SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU.

7. Results Disclaimer

Time To Thrive provides digital educational and personal development content for entertainment and informational purposes. Individual experiences may vary. We do not guarantee specific results. This product is NOT intended to diagnose, treat, cure, or prevent any medical or psychological condition. The content should not be considered as medical, psychological, or professional advice. Always consult with qualified professionals regarding your specific circumstances. Results depend on many factors including but not limited to individual commitment, consistency, and personal circumstances.

8. Limitation of Liability

OUR LIABILITY WILL UNDER NO CIRCUMSTANCES EXCEED THE ACTUAL AMOUNT PAID BY YOU FOR THE PRODUCTS THAT YOU HAVE PURCHASED THROUGH THE SITE, NOR WILL WE UNDER ANY CIRCUMSTANCES BE LIABLE FOR ANY LOSS OF PRODUCTION, WORK, DATA, USE, BUSINESS, GOODWILL, REPUTATION, REVENUE OR PROFIT, ANY DIMINUTION IN VALUE, COSTS OF REPLACEMENT GOODS OR SERVICES, PROCESSING OR DELIVERY DELAYS OR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES OR LOSSES, WHETHER DIRECT OR INDIRECT. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

9. Indemnification

You agree to defend, indemnify, and hold harmless Time To Thrive, ClickBank, their affiliates, and their respective officers, directors, employees, contractors, successors, and assigns from and against any liabilities, damages, judgments, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our products and services.

10. Intellectual Property

All content, including audio files, graphics, text, logos, and trademarks, is the property of Time To Thrive and is protected by copyright and intellectual property laws. You acknowledge and agree that Time To Thrive and its licensors are and will remain the sole and exclusive owner(s) of all intellectual property rights in and to each product or service made available on this Site. You do not and will not have or acquire any ownership of intellectual property rights in or to the products or services. Unauthorized reproduction, distribution, or modification is strictly prohibited and may result in legal action.

11. Third-Party Payment Processor

ClickBank is the retailer of products on this site. CLICKBANK is a registered trademark of Click Sales, Inc., a Delaware corporation located at 1444 S. Entertainment Ave., Suite 410, Boise, ID 83709, USA and used by permission. ClickBank's role as retailer does not constitute an endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products. All transactions are subject to ClickBank's Terms of Sale.

12. Governing Law and Jurisdiction

All matters arising out of or relating to these Terms are governed by and construed in accordance with the internal laws of the State of Idaho, United States, without giving effect to any choice or conflict of law provision or rule. Any litigation under or related to these Terms shall be brought and maintained in the state and federal courts located in Boise, Idaho. You irrevocably submit to the exclusive jurisdiction of these courts.

13. Dispute Resolution

No claim or action under these Terms by you against Time To Thrive or ClickBank may be brought more than 12 months after such cause of action arises. You and Time To Thrive each irrevocably and unconditionally waive any right to trial by jury with respect to any legal action arising out of or relating to these Terms or the transactions contemplated hereby. You agree that any claims may only be brought in your individual capacity and not as a plaintiff or class member in any purported class action or representative action.

14. Severability

If any provision of these Terms is declared void, illegal, invalid, or unenforceable in whole or in part for any reason, then that provision is to be construed either by modifying it to the minimum extent necessary to make it enforceable (if permitted by law) or disregarding it (if not). The remaining provisions shall remain in full force and effect.

15. Modifications

We reserve the right to update or change these Terms at any time without prior written notice, in our sole discretion. The latest version of these Terms will be posted on the Site. Your continued use of our Services after a posted change in these Terms will constitute your acceptance of and agreement to such changes.

16. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Time To Thrive regarding your use of our Services and purchase of our products. These Terms supersede any prior agreements or understandings.

17. Contact Information

For questions regarding these Terms & Conditions, please contact us at: mychoice@timetothrive100.com