UNIVERSAL LEGAL DISCLOSURES

SECTION 1 — PRIVACY POLICY

1. Introduction

This Privacy Policy explains how we collect, use, store, and protect your information when you access our websites, respond to Meta ads, enroll in any course, submit a lead form, or engage with our coaching and digital programs.

By using any Rise to Thrive Academy service, you agree to this Privacy Policy.

2. Information We Collect

Information You Provide

• • Full name
• • Email address
• • Phone number (optional)
• • Billing information
• • Survey or intake responses

Automatically Collected Data

• • IP address
• • Browser/device information
• • Website activity
• • Meta Ads event data
• • Google Analytics data

3. How We Use Your Information

We use your data to:

• • Deliver purchased content
• • Process payments through Stripe
• • Send course materials and updates
• • Deliver automated emails
• • Improve website performance
• • Provide customer support

4. Sharing of Information

Your data may be shared with:

• • Stripe (payment processing)
• • HubSpot (CRM & automation)
• • Meta (ad relevance & performance)
• • Google Analytics

We do not sell personal information to third parties.

5. Your Rights

You may request access, correction, or deletion of your data at any time by emailing:
support@risetothrive-academy.com

6. Security

We use industry-standard protections but cannot guarantee absolute security for online transmissions.

7. Children

Not intended for individuals under age 18.

SECTION 2 — TERMS OF USE

1. Agreement

By accessing or purchasing any Rise to Thrive Academy resource, you agree to these Terms of Use.

2. Not Medical, Psychiatric, Legal, or Financial Advice

Our programs provide:

• • Faith-based teaching
• • Emotional resilience tools
• • Trauma-informed perspectives

We do not provide:

• • Therapy
• • Counseling
• • Medical or psychiatric diagnosis
• • Crisis intervention
• • Legal or financial advice

Please consult licensed professionals for medical or psychological needs.

3. User Responsibilities

You agree to:

• • Use the content for personal use only
• • Not share login credentials
• • Not copy, distribute, or reproduce course content
• • Not resell or reuse program materials

4. Intellectual Property Ownership

All course materials, videos, scripts, branding, logos, written content, downloads, images, coaching materials, and digital curriculum are the exclusive property of:

• • Rise to Thrive Academy Inc.
• • Rise to Thrive Hub LLC
• • Transforming Pain into Power
• • Torah Mathews (DBA Rise to Thrive Academy)

Users receive a single-user, non-transferable license. Unauthorized copying, distribution, or publishing of content is prohibited.

5. Limitation of Liability

We are not liable for:

• • User decisions
• • Emotional reactions
• • Business or financial outcomes
• • Technical interruptions
• • Website downtime

6. Governing Law

These Terms are governed by the laws of the State of Wyoming, USA.

SECTION 3 — REFUND POLICY

This applies to:

• • Foundation Course
• • All Mini-Courses
• • All Christian coaching programs
• • All digital downloads and resources
• • Membership programs
• • Online events and workshops
• • All future products or offerings

We intentionally maintain accessible pricing to support emotional and faith-based recovery.

By completing your purchase, you acknowledge, understand, and accept that all sales made through Rise to Thrive Academy are final.

SECTION 4 — FAITH-BASED & COACHING DISCLAIMER

1. Christian Foundation

Our programs integrate Christian faith, prayer, Scripture, and spiritual encouragement. Christ is honored as the source of healing and transformation.

2. No Guaranteed Outcomes

While many participants experience breakthroughs, results depend on:

• • Personal engagement
• • Individual effort
• • Consistency in applying the tools

We do not guarantee emotional, spiritual, or financial outcomes.

3. Not a Substitute for Professional Care

Our programs are educational and faith-based. They do not replace:

• • Therapy
• • Medical treatment
• • Psychiatric care
• • Crisis services

4. Personal Responsibility

You acknowledge responsibility for your own decisions, actions, interpretations, and results.

SECTION 5 — LEGAL PROTECTION CLAUSES

1. Binding Arbitration

Any dispute arising from the use of our services shall be resolved through binding arbitration in Wyoming. Users waive the right to sue in court, except where prohibited by law.

2. No Class Action

You agree not to participate in:

• • Class action lawsuits
• • Class arbitration
• • Collective legal actions

All disputes must be handled individually.

3. Indemnification

You agree to indemnify and hold harmless:

• • Rise to Thrive Academy Inc.
• • Rise to Thrive Hub LLC
• • Transforming Pain into Power
• • Torah Mathews

from claims, damages, losses, or liabilities resulting from misuse of content or violation of terms.

4. Copyright Enforcement

We reserve the right to issue takedown notices, suspend accounts, and pursue legal action in response to unauthorized copying, sharing, or distribution of course content.

5. DMCA-Style Notice

If you believe your rights were infringed, email:
support@risetothrive-academy.com