The Wealth Creator

Terms and Conditions

Effective Date: May 20, 2026

Overview

This website is operated by The Creators Co., d/b/a The Wealth Creator. Throughout the site, the terms “we,” “us,” and “our” refer to The Creators Co., The Wealth Creator and their members, managers, agents, representatives, employees and affiliates (“The Creators Co.”) and  offers this website, including all information, tools, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by these Terms and Conditions, including additional terms and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the site, including without limitation browsers, vendors, customers, merchants, and contributors of content. If you do not agree to all the terms and conditions of this agreement, you may not access the website or use any Services. If these Terms are considered an offer, acceptance is expressly limited to these Terms. Any new features or tools added to the current store shall also be subject to these Terms. We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our website, and your continued use after posting constitutes acceptance. If you do not agree to these Terms, you must not access or use the Site, create an account, make any purchase, or otherwise interact with any features, content, products, or services offered by The Creators Co.

This Agreement applies to, and governs, all access to and use of: (a) the Website; (b) any purchases or attempted purchases made through the Website, by telephone, by electronic communication, or through any other method authorized by Company; and (c) any use, attempted use, or receipt of any product, service, program, membership, subscription, digital content, or offering provided by or through Company. In addition, our Privacy Policy, Income Disclaimer, Refund Policy, and Legal Disclaimers are hereby expressly incorporated into and made a part of these Terms and Conditions, and they apply to all access to and use of any Company products, services, programs, memberships, subscriptions, digital content, or offerings, as well as to your use of the Website and any purchases or attempted purchases.

By accessing or using the Website or any Company product, service, program, membership, subscription, digital content, or offering, you acknowledge and agree that you have read, understood, and agree to be bound by the Privacy Policy, Income Disclaimer, Refund Policy, and Legal Disclaimers in addition to these Terms and Conditions.

IMPORTANT NOTICE: THIS AGREEMENT CONTAINS PROVISIONS REQUIRING THE RESOLUTION OF DISPUTES THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION AND INCLUDES A WAIVER OF ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION, EXCEPT TO THE LIMITED EXTENT EXPRESSLY STATED ELSEWHERE IN THIS AGREEMENT. BY AGREEING TO THIS AGREEMENT, YOU UNDERSTAND THAT YOU MAY BE WAIVING CERTAIN RIGHTS, INCLUDING THE RIGHT TO FILE A LAWSUIT IN COURT AND THE RIGHT TO A JURY TRIAL.

We may revise, amend, supplement, or replace this Agreement at any time, in our sole discretion. Any such changes will become effective upon posting to the Website, or as of any later date expressly stated in the updated version. You waive any right to receive specific notice of each revision. It is your responsibility to review this Agreement periodically for updates. Your continued access to or use of the Website or any Company product or service after an updated version is posted constitutes your acceptance of the revised Agreement. If you do not agree to the revised Agreement, your sole remedy is to immediately cease using the Website and all related products and services.

We also reserve the right, at any time and without liability, to modify, suspend, discontinue, restrict, or remove any aspect of the Website or any feature, content, product, service, or offering. Any new or modified features, tools, content, or services made available by Company shall automatically be subject to this Agreement unless expressly stated otherwise in writing.

1. Eligibility and Online Store Terms

By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence, or that you have given us consent to allow any of your minor dependents to use this site. You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.

2. General Conditions

We reserve the right to refuse service to anyone for any reason at any time. Your content (not including credit card information) may be transferred unencrypted and involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices, while credit card information is always encrypted during transfer over networks. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the Service is provided, without our express written permission. Headings are for convenience only and will not limit or otherwise affect these Terms.

3. Accuracy, Completeness, and Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete, or current and any reliance is at your own risk. This site may contain historical information that is not current and is provided for reference only. We reserve the right to modify the contents of this site at any time but have no obligation to update information.

4. Modifications to the Service and Prices

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice. We shall not be liable to you or to any third‑party for any modification, price change, suspension, or discontinuation of the Service.

5. Products or Services

Certain products or services may be available exclusively online through the website and may have limited quantities and be subject to return or exchange only according to our Return Policy. We reserve the right, but are not obligated, to limit sales of our products or services to any person, geographic region, or jurisdiction and to limit the quantities of any products or services we offer. All descriptions of products or pricing are subject to change at any time without notice at our sole discretion, and we reserve the right to discontinue any product/service at any time; any offer made on this site is void where prohibited. We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

6. Billing and Account Information

We reserve the right to refuse any order you place with us and may limit or cancel quantities purchased per person, per household, or per order, including orders placed under the same account, credit card, or billing/shipping address; we may attempt to notify you using the contact information provided. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors. You agree to provide current, complete, and accurate purchase and account information for all purchases and to promptly update your account and other information so we can complete your transactions and contact you as needed. For more details, please review our Returns Policy.

7. Optional Tools

We may provide access to third‑party tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement, and we shall have no liability arising from or relating to your use of optional third‑party tools. Any use by you of optional tools offered through the site is entirely at your own risk and discretion, and you should ensure that you approve of the terms on which tools are provided by the relevant third‑party provider(s). We may in the future offer new services and/or features through the website, which shall also be subject to these Terms.

8. Third‑Party Links

Certain content, products, and services available via our Service may include materials from third parties, and third‑party links may direct you to websites not affiliated with us; we are not responsible for examining or evaluating the content or accuracy and do not warrant or have any liability or responsibility for any third‑party materials, websites, or products/services. We are not liable for any harm or damages related to purchases or use of goods, services, resources, content, or any other transactions made in connection with any third‑party websites; complaints or questions should be directed to the third party.

9. User Comments, Feedback, and Other Submissions

If you send submissions at our request or otherwise, you agree we may, without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any comments you forward to us and are under no obligation to maintain comments in confidence, pay compensation, or respond. We may, but have no obligation to, monitor, edit, or remove content we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates intellectual property or these Terms. You agree your comments will not violate any right of any third party and will not contain unlawful, abusive, or obscene material or any malware; you may not use a false e‑mail or mislead us or third parties as to the origin of comments, and you are solely responsible for your comments and their accuracy; we assume no liability for any comments posted by you or any third party.

10. Personal Information

Your submission of personal information through the store is governed by our Privacy Policy.

11. Errors, Inaccuracies, and Omissions

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, promotions, offers, shipping charges, transit times, and availability; we reserve the right to correct and to change or update information or cancel orders if information is inaccurate at any time without prior notice. We undertake no obligation to update, amend, or clarify information in the Service or on any related website, except as required by law.

12. Prohibited Uses

In addition to other prohibitions, you are prohibited from using the site or its content for unlawful purposes; to solicit unlawful acts; to violate laws; to infringe intellectual property; to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate; to submit false or misleading information; to upload or transmit malware; to collect or track personal information; to spam, phish, pharm, pretext, spider, crawl, or scrape; for obscene or immoral purposes; or to interfere with or circumvent security features; we reserve the right to terminate your use for violations.

13. Earnings, Results, and Testimonials Disclosures

You understand and agree:

A. No Earnings Guarantees.

We do not guarantee results, income, or business outcomes. Your results depend on many factors outside our control, including your skills, experience, effort, market conditions, and compliance with laws and platform rules.

B. Forward‑Looking Statements.

Any statements about future performance are aspirational and not guarantees; actual results may differ.

C. Testimonial and Case Study Disclosures.

Any testimonials or case studies represent the experiences of particular users and are not typical; they do not guarantee that you will achieve the same results.

D. Substantiation.

We do not publish income claims unless we possess and maintain adequate substantiation; you should not rely on any income example as a promise of what you will earn.

14. Marketing and Endorsement Compliance

You agree:

A. Clear and Conspicuous Disclosures.

If you make endorsements about our products or services, you will make clear and conspicuous disclosures of any material connection to us and ensure your statements are honest, accurate, and not misleading.

B. Prohibited Claims.

You will not make deceptive, unsubstantiated, or exaggerated claims about products, services, or potential earnings, and you will not imply typicality unless you possess adequate substantiation of typical results.

C. Review Practices.

You will not post, request, or facilitate fake reviews, suppress negative reviews, or otherwise engage in manipulative review practices.

D. Compliance with Outreach Laws.

You will comply with all applicable marketing laws and industry rules for email, SMS, telemarketing, and social media outreach, including consent and opt‑out requirements.

15. Compliance with Laws; Messaging; Third‑Party Platforms

As a The Creators Co. user and/or affiliate, you must comply with all applicable laws, including those relating to deceptive or misleading advertising and marketing; email marketing; data protection; telemarketing; endorsements and testimonials; intellectual property; privacy; security; terrorism; corruption; child protection; and import/export laws, and you are solely responsible for ensuring compliance for you and recipients to whom you send digital messages using our products or services. If you use any messaging software or other systems provided by you or a third party, you agree to follow all applicable laws with respect to sending messages. You agree to indemnify and defend The Creators Co. from any claims, damages, losses, and lawsuits relating to your violation of law or third‑party rights by use or misuse of any messaging software or hardware, and you understand The Creators Co. has no control over third‑party software functionality or failures and does not warrant compatibility.

16. Earnings Refunds, Returns, and Cancellations

A. No Refund Warranties.

Except as expressly stated in the Refund Policy, any all sales are final and non‑refundable. Specific exceptions, if any, are detailed within the Refund Policy.

B. Subscription Cancellations.

You may cancel recurring subscriptions at any time effective at the end of the current billing cycle by following the instructions in your account or contacting us at [email protected]. Fees already paid are non‑refundable unless expressly stated otherwise in the specific offer terms or as provided in the Refund Policy.
C. Chargeback Policy.

You agree not to file a chargeback without first providing us a reasonable opportunity to address your concern.  Initiating a chargeback for delivered products/services without following this process may constitute a breach of these Terms.

17. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. SUBJECT TO LIMITED EXCEPTIONS, YOU ACKNOWLEDGE AND AGREE THAT ANY DISPUTE MUST BE RESOLVED BY FINAL AND BINDING ARBITRATION AND THAT YOU ARE WAIVING YOUR RIGHT TO A TRIAL BY JURY, GIVING UP THE RIGHT TO GO TO COURT, RIGHTS YOU WOULD HAVE IN A COURT PROCEEDING SUCH AS THE RIGHT TO APPEAL AND DISCOVERY MAY BE MORE LIMITED OR NOT EXIST.  YOU AGREE AND ACKNOWLEDGE THAT YOU MAY ONLY BRING A CLAIM IN YOUR INDIVIDUAL CAPACITY AND MAY NOT PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AS A PLAINTIFF OR CLASS MEMBER.

A. Definitions and Scope.

For purposes of this Section, “Company” means The Creators Co. and its owners, officers, directors, employees, contractors, agents, affiliates, successors, and assigns. “Covered Dispute” means any claim, dispute, or controversy (whether based in contract, statute, regulation, tort, fraud, misrepresentation, or any other legal theory) arising out of or relating to:

·       The Website;

·       Any product, program, membership, subscription, coaching, digital content, software, or service offered by Company;

·       Any purchase or attempted purchase;

·       These Terms and Conditions and any policy incorporated by reference (including the Privacy Policy, Refund Policy, Income Disclaimer, Legal Disclaimers, and any affiliate terms); and/or

·       Your relationship with Company. 

Covered Disputes include disputes about the meaning, applicability, or enforceability of this Section, except as expressly stated in Subsection I (Class Action Waiver Severability) below.

B. Informal Resolution Required First.

Before starting arbitration, you agree to give Company a reasonable opportunity to resolve a Covered Dispute informally.

·       Notice of Dispute. You must send a written “Notice of Dispute” to Company at:

i.      [email protected] (or such other email address we designate in writing), and

ii.    [MAILING ADDRESS], Attn: Legal. Your Notice of Dispute must include: your name, mailing address, email address used with your account or purchase, order number (if any), a brief description of the dispute, and the specific relief you are requesting.

·       Good-faith discussions. After Company receives a complete Notice of Dispute, the parties will attempt in good faith to resolve the matter for at least thirty (30) days. Either party may request an informal settlement call or video conference during that period.

·       Tolling. Any applicable limitations period will be tolled while the parties complete the informal process described above.

C. Agreement to Arbitrate.

Except for the limited carve-outs in Subsection 8, you and Company agree that every Covered Dispute will be resolved exclusively by final and binding arbitration, not in court. The Federal Arbitration Act (“FAA”) governs this Section and will be applied by the arbitrator to the fullest extent permitted by law.

D. Arbitration Administrator; Rules; Arbitrator.

Unless the parties agree otherwise, arbitration will be administered under the rules of the American Arbitration Association (“AAA”).

·       Rules. If you are an individual consumer, the AAA Consumer Arbitration Rules will apply. If you are a business entity or are using the Website on behalf of a business, the AAA Commercial Arbitration Rules will apply. If AAA is unavailable, the parties will select a comparable arbitration provider; if they cannot agree, a court of competent jurisdiction will appoint an administrator.

·       Selection. A single neutral arbitrator will be selected under the applicable AAA rules.

·       Authority. The arbitrator may award only the relief that would be available in an individual action in court under applicable law, and must follow these Terms as a court would.

THERE IS NO JUDGE OR JURY IN ARBITRATION, AND REVIEW OF AN ARBITRATION AWARD BY A COURT IS LIMITED.

E. Delegation of Issues to the Arbitrator.

To the maximum extent permitted by law, the arbitrator (and not any court) will decide all questions of arbitrability, including whether a Covered Dispute is subject to arbitration and any defenses to arbitration (such as waiver, unconscionability, or formation), except as provided in Subsection I regarding the Class Action Waiver.

F. Location; Format; Accessibility.

The arbitration will be conducted by a single neutral arbitrator in the English language in Tulsa County, Oklahoma, unless otherwise agreed in writing by the parties.  The arbitrator shall be selected by agreement of the parties or, if the parties cannot agree, chosen in accordance with the Rules of the AAA. 

·       Default location. If an in-person hearing is required, it will take place in Tulsa County, Oklahoma.

·       Remote option. At the request of either party, the arbitration may be conducted by video conference, telephone, or based solely on written submissions, subject to the arbitrator’s discretion and the applicable AAA rules. The parties agree to cooperate to use a format that is reasonably efficient and cost-effective.

G. Fees, Costs, and Attorneys’ Fees.

Payment of AAA filing fees, administrative fees, and arbitrator compensation will be handled under the applicable AAA rules. Each party will otherwise bear its own attorneys’ fees and costs unless a statute or enforceable contract provision allows fee-shifting, in which case the arbitrator may award fees to the extent permitted by law.

H. Limited Carve-Outs (Court Actions Allowed).

Notwithstanding the above, the following disputes may be brought in court:

·       Small claims. Individual claims that qualify may be brought in a small claims court with jurisdiction, so long as the claim remains an individual action.

·       Injunctive or equitable relief to protect Company. Company may seek temporary, preliminary, or permanent injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, trade secrets, account security, or to prevent unauthorized access, misuse, or interference with the Website or services. Any request for monetary relief connected to such dispute remains subject to arbitration.

·       Public injunctive relief. To the limited extent that applicable law does not permit a claim for public injunctive relief to be resolved in arbitration, that claim may be brought in court, and any remaining claims will proceed in arbitration.

I. CLASS ACTION WAIVER; REPRESENTATIVE ACTION WAIVER.

YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS, JOIN PARTIES, OR PRESIDE OVER ANY FORM OF CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

J. Severability.

If a court of competent jurisdiction determines that this Subsection I (Class Action Waiver) is unenforceable as to a particular claim and that claim may proceed on a class, collective, or representative basis, then:

i.      That claim must be litigated in court (not arbitrated), and

ii.     The arbitration requirement in this Section will be null and void only as to that claim (and will remain in effect for all other claims to the maximum extent permitted by law).

K. Confidentiality.

The arbitration proceedings, including the existence of the arbitration, filings, testimony, and any award, will be confidential to the maximum extent permitted by law, except as necessary to prepare for or conduct the arbitration, to enforce an award, or as otherwise required by law.

L. Time Limits.

To the maximum extent permitted by law, a Covered Dispute must be initiated within one (1) year after the claim accrues; otherwise, the claim is permanently barred. Where applicable law provides a longer non-waivable limitations period, that longer period will apply.

M.  Batch / Mass Arbitration (Efficiency Process).

If twenty-five (25) or more arbitration demands are filed against Company raising similar issues and represented by the same or coordinated counsel (a “Batch”), the parties agree that AAA may administer the Batch using an efficient bellwether or staged process consistent with AAA procedures then in effect. The parties will work in good faith to select a limited number of initial cases to proceed first; the remaining cases may be temporarily stayed while the initial cases are resolved, with the goal of promoting consistent outcomes and reducing administrative expense. Nothing in this Subsection limits the Class Action Waiver in Subsection I.

N. Survival and Miscellaneous.

This Section survives termination of your account, completion of any purchase, cancellation, chargeback, bankruptcy, assignment, or transfer. If any portion of this Section is held invalid or unenforceable, the remaining portions will remain in effect to the maximum extent permitted by law, except as set forth in Subsection I regarding the Class Action Waiver.

18. Disclaimer of Warranties; Limitation of Liability; Indemnification

A. Warranty Disclaimer.

EXCEPT WHERE INAPPLICABLE OR PROHIBITED BY LAW, THE CREATORS CO.’S WEBSITES, SERVICES, SOFTWARE, CONTENT, AND ANY PRODUCTS OR MATERIALS MADE AVAILABLE THROUGH THEM (COLLECTIVELY, THE “SERVICES”) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE CREATORS CO. DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, The Creators Co. does not represent or warrant that the Services will be secure, timely, uninterrupted, or error-free, that they will meet your requirements or expectations, that stored or transmitted data will be accurate, reliable, or preserved without loss, that any products, information, or materials obtained will meet your expectations, that defects will be corrected, or that the Services or servers are free of viruses or other harmful components.

B. Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE CREATORS CO. OR ITS MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, AFFILIATES, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Your use of, or inability to use, the Services is at your sole risk, and all offerings through the Services are provided without warranties except as expressly stated by The Creators Co.

C. Service Changes.

The Creators Co. may suspend, withdraw, modify, or discontinue any Service, in whole or in part, at any time without notice, to the extent permitted by law.

D. Indemnification.

You agree to protect, defend, indemnify, and hold harmless The Creators Co., its officers, directors, members, managers, employees, owners, agents, representatives, affiliates, and assigns from and against any and all claims, demands, causes of action, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of, relating to, or resulting from:

·       Your use or misuse of the Services;

·       Your breach of these Terms or of any representation, warranty, or covenant herein;

·       Your violation of any law or the rights of any third party; or

·       Any content, data, or materials provided by you . This indemnity includes any third-party claim seeking payments, damages, or other relief from or against The Creators Co. that is attributable to you or your conduct.

E. Jurisdictional Carve-Out.

Nothing in this Section intends to exclude or limit any warranty, liability, or remedy that cannot be excluded or limited under applicable law. To the extent any disclaimer or limitation in this Section is not permitted by law, such provision shall be modified to the minimum extent necessary to be enforceable while preserving the parties’ intent.

F. Reliance Disclaimer.

You acknowledge and agree that you have not relied on any representation or warranty other than those expressly set forth in these Terms. The reliability, timeliness, quality, suitability, availability, accuracy, and completeness of information accessible through the Services are not guaranteed.

19. Severability

If any provision of these Terms is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by law and the unenforceable portion shall be deemed severed without affecting the validity and enforceability of any remaining provisions.

20. Term, Termination; Suspension

THIS AGREEMENT BECOMES EFFECTIVE AS SOON AS YOU TAKE ANY ACTION INDICATING ACCEPTANCE OR USE, INCLUDING CLICKING “I AGREE,” “I ACCEPT,” “PURCHASE,” “PAY NOW,” “SUBMIT,” OR SIMILAR BUTTONS, CREATING AN ACCOUNT, ENTERING PAYMENT INFORMATION, COMPLETING A PURCHASE, OR ACCESSING OR USING ANY PART OF THE WEBSITE OR SERVICES.

A. Term and Your Right to Stop Using the Services.

This Agreement remains in effect until terminated. You may stop using the Website and Services at any time. If you have an active recurring subscription, you must cancel future renewal charges through your account settings (if available) or by contacting us at [email protected] (or the then-current support email posted on the Website). Stopping use alone does not necessarily stop future subscription charges unless you complete the cancellation process.

B. Our Right to Restrict, Suspend, or Terminate.

To protect the Company, our customers, and our Community Spaces, The Creators Co. may, to the fullest extent permitted by law and in our reasonable discretion, restrict, suspend, or terminate your access to the Website and/or Services (in whole or in part), with or without notice, if we determine that you:

·       Violated these Terms, the Refund Policy, or any policy incorporated by reference;

·       Violated Community Spaces standards (including abusive, harassing, threatening, discriminatory, defamatory, or otherwise disruptive conduct);

·       Engaged in fraud, attempted circumvention, unauthorized access, account sharing beyond what is permitted, or security-risk activity;

·       Submitted an abusive or fraudulent chargeback or refused to engage in good-faith support/refund processes;

·       Failed to pay amounts due (including installment payments) or repeatedly paid late; or

·       Otherwise created legal, compliance, reputational, or operational risk for the Company or other users.

Where practicable, we may provide notice or an opportunity to cure; however, we may act immediately for serious misconduct, security concerns, repeated violations, or legal/compliance reasons.

C. Nonpayment; Payment Plans.

If you purchase under a payment plan, you remain responsible for the full purchase price (as stated in the Refund Policy). If an installment payment is missed, declined, reversed, or is otherwise not received:

·       We may remove or restrict access to digital content, platforms, member areas, live calls, or communities;

·       If invoices are delinquent more than thirty (30) days, or if payments are delinquent for three (3) consecutive installments, your account and services may be suspended; and

·       We may condition restoration of access on receipt of all past-due amounts and confirmation that the account is in satisfactory standing.

Any hardship-based accommodation requests (if available) are governed by the Refund Policy’s hardship process, including documentation requirements and timing.

D. Chargebacks.

You agree not to file a chargeback without first providing us with a reasonable opportunity to address your concern through support and the refund/access process. We may suspend access while a chargeback is investigated. Only abusive or fraudulent chargebacks (as described in the Refund Policy) may result in heightened sanctions, including termination and/or a permanent ban.

E. Effect of Termination on Access, Renewals, and Refunds.

If your access is suspended or terminated (whether by you or by us):

·       You may immediately lose access to member areas, Community Spaces, digital content, and live sessions;

·       Subscriptions: if we terminate your subscription access for cause, we will stop future renewal charges as of the effective termination date (or as soon as reasonably practicable), but amounts already paid are generally non-refundable except where required by law or expressly provided in the Refund Policy;

·       Payment Plans: termination or loss of access for cause does not automatically cancel your installment obligations for a fixed-term purchase, except where required by law or expressly agreed by us in writing; and

·       All refund/credit determinations (if any) are governed by the Refund Policy and applicable law.

F. Survival.

Obligations and liabilities incurred prior to termination survive termination. Provisions that by their nature should survive (including payment obligations, intellectual property, disclaimers, limitations of liability, indemnity, and dispute resolution/arbitration) will remain in effect.

21. Entire Agreement; No Waiver; Interpretation

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver. These Terms and any policies or operating rules posted by us on this site or in respect to the Service constitute the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals between you and us. Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

22. Governing Law and Venue

These Terms and any separate agreements  including your access to or use of the Website, the Refund Policy, the Privacy Notice, the Income Disclaimer, and Legal Disclaimers and the Affiliate Agreement, or any matter concerning The Creators Co.,  including your purchase and use or attempted use of any service or product,  shall be governed by and construed in accordance with the laws of without resort to its principles for resolving conflicts of law.  Exclusive jurisdiction and venue shall be in the trial courts, Federal or State, sitting in Tulsa County, Oklahoma, and any and all objections as to such jurisdiction and venue are hereby expressly waived by each party.  Contractor acknowledges and agrees that this consent to jurisdiction constitutes a material term of this Agreement and is knowingly and voluntarily given. Each party waives any right to trial by jury in any action arising out of or relating to this Agreement.

23. Updates to Terms

You can review the most current version of the Terms at any time on this page, and we reserve the right, at our sole discretion, to update, change, or replace any part of these Terms by posting updates and changes to our website; your continued use following any posting constitutes acceptance.

24. Contact Information

Questions about the Terms may be sent to The Creators Co., LLC, Attention Legal, 525 S. Main St., Suite 800, Tulsa, OK 74103 or [email protected]

25. Additional FTC‑Focused Consumer Disclosures and Complaint Handling

A. Honest, Transparent Communications.

We commit to accurate, non‑misleading descriptions of our products and services; if you believe any content is inaccurate or incomplete, contact us immediately at [email protected].

B. Typical Results Clarification.

Unless expressly stated with substantiation of typicality, examples, case studies, or testimonials are illustrative only and are not intended to represent or guarantee that current or future customers will achieve the same or similar results.

C. Material Connections.

We may maintain material connections with endorsers or affiliates; where we do, we require clear and conspicuous disclosures.

D. Negative Option Programs.

For any recurring subscription, we will clearly disclose key terms, obtain your affirmative consent before charging, and provide simple, timely cancellation methods.

E. Complaint Resolution.

If you have a complaint or dispute, email [email protected] with:

·       Your name and contact details;

·       Order number;

·       A description of the issue; and

·       Any supporting documentation. We will acknowledge receipt within three (3) business days and aim to resolve within fifteen (15) business days.

F. Prohibited Conduct by Users.

You will not impersonate others, make false claims about your results, or misrepresent your experience in reviews, testimonials, social posts, or affiliate content related to our offerings.

G. Age‑Restricted Content.

If an offer is restricted to purchasers above a certain age, you must truthfully represent your age and maintain any required parental or guardian consent for minors.

26. Representations and Warranties from You:

You hereby confirm and assure:

·       That you are at least eighteen (18) years old, or the legal age of majority in your location, whichever is higher;

·       That you have the authority to represent and bind the business for which you are utilizing the Website;

·       Have reviewed this Agreement and fully comprehend and accept the terms outlined herein; and

·       That you will not engage in the resale, redistribution, or export of any product or service obtained from the Website. You also affirm that is entitled to rely on all information you provide, and may contact you and your business via email, phone, or mail for various purposes, including but not limited to

i.       follow-up communications;

ii.     feedback surveys; and

iii.   inquiries regarding any orders you have placed or considered on the Website.

Additionally, you confirm and assure that there are no existing or pending government investigations, inquiries, or legal actions against you, or any related business, by the Federal Trade Commission, any other federal or state agency, or any industry regulatory body, globally, nor any existing or pending private lawsuits against you. Should you, or any related business, become the subject of a government investigation, inquiry, or legal action by the Federal Trade Commission, any other federal or state agency, or any industry regulatory body globally, or any lawsuit during the term of this Agreement, you will inform The Creators Co. within 24 hours. The Creators Co. reserves the right, at its sole discretion, to terminate the Agreement based on any such investigation, proceeding, or lawsuit identified in this section or otherwise discovered, without incurring any obligation or liability to you.

27. Intellectual Property; License and DMCA‑Style Takedown

A. Ownership.

All site content, products, and associated materials are owned by or licensed to us and are protected by intellectual property laws. No rights are granted except as expressly set out in these Terms.

B. Limited License.

We grant you a limited, revocable, non‑transferable, non‑sublicensable license to access and use the site and purchased content for your personal, non‑commercial use, subject to these Terms and any specific license terms presented at purchase.

C. Restrictions.

You may not copy, modify, create derivative works from, distribute, publicly display, publicly perform, or exploit any content except as expressly permitted.

D. Takedown Process.

If you believe content infringes your rights, send a notice to  [email protected] with: your contact info, identification of the work claimed infringed, identification of the allegedly infringing material, a statement of good‑faith belief, and a statement under penalty of perjury that the information is accurate and you are authorized to act; we may remove or disable access to the material and notify the user.

28. Service‑Specific Terms

A. Coaching, Education, and Information‑Only Services.

Our programs, courses, and content are for educational and informational purposes only and do not constitute financial, legal, tax, investment, or professional advice; consult qualified professionals for advice tailored to your situation. You are responsible for your own decisions and results, and you should consult qualified professionals for advice tailored to your circumstances.

B. Community Spaces; Enforcement

IMPORTANT: WE MAY REMOVE CONTENT AND RESTRICT OR TERMINATE ACCESS TO COMMUNITY SPACES IF YOU VIOLATE THESE TERMS OR DISRUPT OTHERS

Community Spaces include chats, groups, forums, comment areas, live session chat, and other interactive features we host. You are solely responsible for your conduct and anything you post or share.

C. Prohibited conduct

Prohibited conduct includes harassment, targeted derogatory attacks, threats, hate speech, doxxing or sharing personal information without permission, obscene content, impersonation, spam, fraudulent conduct, or any activity that interferes with security or normal operation.

D. Moderation.

We may (but are not required to) monitor Community Spaces and may remove, restrict, or disable User Content; mute or restrict users; and/or remove access to Community Spaces at any time.

E. Enforcement.

We may suspend or terminate Community Spaces access (and, in appropriate cases, Services access) immediately and without notice for serious misconduct. Billing and refunds (if any) are handled under Section 20 and the Refund Policy.

F. No restriction on lawful public reviews or agency complaints.

Nothing in this Section prohibits you from posting truthful, lawful public reviews or opinions, or from submitting a complaint to a governmental agency. This Section governs conduct inside Company-controlled Community Spaces and conduct that disrupts or harms participants.

G. Access Windows and Delivery.

Digital access windows, live session schedules, and delivery timelines will be stated at checkout or in your account; we may provide reasonable substitutions or reschedules with notice.

29. Force Majeure

We will not be liable for any delay or failure in performance resulting from events beyond our reasonable control, including acts of God, labor disputes, acts of government, utility failures, outages, cyberattacks, or third‑party platform disruptions.

30. International Users

You are responsible for ensuring that your use complies with local laws and does not subject us to any non‑U.S. legal requirements beyond those expressly stated; access may be restricted where prohibited.

31. Notices

We may provide notices to you via email, account notifications, or by posting on the site. You must keep your contact information current. Contractual notices to us must be sent to The Creators Co., LLC, Attention Legal, 525 S. Main St., Suite 800, Tulsa, OK 74103 or [email protected].

32. Survival

Termination, cancellation, suspension, expiration, account deletion, chargeback, or completion of any purchase does not affect:

·       any rights or obligations that accrued before the effective date of termination; or

·       any provisions of these Terms that, by their nature or express language, are intended to continue in effect.

Without limiting the foregoing, the following Sections survive any termination or expiration of this Agreement: Section 6 (Billing and Account Information), Section 12 (Prohibited Uses), Section 13 (Earnings, Results, and Testimonials Disclosures), Section 14 (Marketing and Endorsement Compliance), Section 15 (Compliance with Laws; Messaging; Third-Party Platforms), Section 16 (Earnings Refunds, Returns, and Cancellations), Section 17 (Dispute Resolution; Arbitration; Class Action Waiver), Section 18 (Disclaimer of Warranties; Limitation of Liability; Indemnification), Section 19 (Severability), Section 20 (Term, Termination; Suspension), Section 21 (Entire Agreement; No Waiver; Interpretation), Section 22 (Governing Law and Venue), Section 25 (Additional FTC-Focused Consumer Disclosures and Complaint Handling), Section 26 (Representations and Warranties from You), Section 27 (Intellectual Property; License and DMCA-Style Takedown), Section 28 (Service-Specific Terms), Section 29 (Force Majeure), Section 30 (International Users), Section 31 (Notices), and Section 33 (Electronic Communications; Electronic Signatures), together with any other provisions that must survive to be given their intended effect.

For clarity, nothing in this Section limits any non-waivable rights a consumer may have under applicable law; rather, it preserves the parties’ contractual rights and obligations to the maximum extent permitted.

33. Electronic Communications; Electronic Signatures

You understand and agree that your use of the Website and any interactions with The Creators Co. through the Website (including creating an account, submitting information, completing checkout, clicking acceptance buttons, checking boxes, or otherwise taking any electronic action) constitute “electronic communications.”

To the fullest extent permitted by applicable law, you consent to receive from us electronically any notices, disclosures, confirmations, statements, records, updates, and other communications related to the Website, your account, and any products or services you request or purchase (collectively, “Electronic Communications”). Electronic Communications may be provided through the Website, by email, by text message, within your account dashboard, or by other electronic means we make available.

You agree that Electronic Communications satisfy any legal requirement that such communications be in writing. You further agree that your electronic actions—such as clicking “I Agree,” “Submit,” “Purchase,” or similar buttons, checking an acknowledgment box, typing your name, or otherwise indicating assent electronically constitute your electronic signature and acceptance, and are legally binding on you to the same extent as a handwritten signature.

If you do not consent to receiving communications electronically, you should not use the Website or purchase our products or services.