Effective Date: October 20, 2024

Welcome to iThriv Consulting! These Terms of Service ("Terms") govern your access to and use of our website, courses, eBooks, podcasts, and any related services (collectively, the "Services") provided by iThriv Consulting LLC. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms By using our Services, you acknowledge that you have read, understood, and agree to comply with these Terms, as well as our Privacy Policy, which is incorporated into these Terms by reference.

2. Eligibility Our Services are intended for individuals who are 18 years of age or older. By using our Services, you represent and warrant that you meet this age requirement.

3. Services Overview iThriv Consulting provides financial coaching, educational content, and personal development materials, including:

• The BYD Coaching Program (course)
• eBooks such as The Bold Move: A Girl’s Guide to Outsmarting Her Inner Slacker, Navigating Your Path: A Workbook for Clarity and Empowerment, and Finding Your Joy
• The Take Charge and Thrive Podcast

4. User Responsibilities

• Account Information: If you create an account, you agree to provide accurate, current, and complete information and keep it updated.
• Prohibited Conduct: You agree not to misuse our Services. This includes, but is not limited to, activities such as hacking, spamming, or using the Services for unlawful purposes.

5. Payment and Refund Policy

• Payments: Payments for the BYD Coaching Program or any other paid content must be made in full before access is granted.
• Refunds: All sales are final. No refunds are offered for digital products or courses unless otherwise specified under specific refund policies for individual products.

6. Intellectual Property

• Ownership: iThriv Consulting retains all rights, title, and interest in the Services, including content and materials provided.
• Restrictions: You may not copy, distribute, or create derivative works based on our content without express written permission.

7. Disclaimer of Warranties Our Services are provided "as is" without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose.

8. Limitation of Liability To the fullest extent permitted by law, iThriv Consulting shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.

9. Changes to the Terms We may update these Terms from time to time. Any changes will be effective upon posting. Your continued use of the Services after such changes will constitute your acceptance of the new Terms.

10. Governing Law These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles.

11. Contact Us If you have any questions about these Terms, please contact us at support@ithrivconsulting.com.

iThriv Consulting

Email: support@ithrivconsulting.com