TERMS & CONDITIONS

Loren Hogue Inc
Effective Date: 16 December 2025

These Terms & Conditions (“Agreement”) govern your purchase, enrollment, access to, and participation in any digital product, program, course, certification, mastermind, group experience, coaching engagement (including one-on-one services), AI-powered tool, application, subscription, event, community, or related offering (collectively, the “Services”) provided by Loren Hogue Inc (“Company,” “we,” “us,” or “our”).

By purchasing, accessing, or using any Services, you (“Client,” “Participant,” or “you”) acknowledge that you have read, understood, and agree to be legally bound by this Agreement.

1. BUSINESS CAPACITY; NON-CONSUMER STATUS

You expressly represent, warrant, and agree that:

  • You are purchasing the Services in a business or professional capacity, whether or not you operate through a formal legal entity.

  • You are not purchasing the Services primarily for personal, family, or household purposes.

  • You understand that your purchase constitutes a commercial transaction, and that consumer protection statutes may not apply.

  • You are financially able to bear the full cost of the Services without reliance on refunds, chargebacks, reversals, or rescission rights.

  • You have conducted your own due diligence and made an independent decision to purchase.

This representation is a material inducement for the Company to make the Services available to you.

2. NATURE OF SERVICES; NO PROFESSIONAL RELATIONSHIP

The Services are educational, informational, and experiential in nature only.

The Company does not:

  • Provide business, financial, legal, tax, investment, medical, therapeutic, or other professional advice

  • Act as your advisor, fiduciary, agent, partner, joint venturer, or employer

  • Assess the suitability of the Services for your specific circumstances

No professional relationship is created by your participation.

All decisions you make before, during, or after participation are made solely at your own discretion and risk.

3. NO GUARANTEES; NO RELIANCE

You acknowledge and agree that:

  • The Company makes no guarantees, representations, or warranties regarding outcomes, results, income, revenue, profitability, growth, success, or performance.

  • Any examples, case studies, illustrations, testimonials, or discussions are not promises and are provided for educational context only.

  • You have not relied on any guarantee, forecast, assurance, or expectation of results as an inducement to purchase.

You expressly waive any claim based on alleged reliance.

4. DIGITAL DELIVERY; FULFILLMENT OF SERVICES

All Services are delivered digitally unless expressly stated otherwise.

You acknowledge and agree that:

  • Provision of login credentials, access links, or platform access constitutes full delivery and fulfillment

  • Delivery is complete once access is granted, regardless of whether you access, complete, or participate

  • Viewing, streaming, downloading, or otherwise accessing content constitutes use and consumption

Once access is granted, the Company has fully performed its obligations.

5. PROGRAM CONTENT; CURRICULUM CHANGES

The Company reserves the right, at its sole discretion, to modify, replace, update, add, remove, or restructure any portion of the Services, including but not limited to lessons, modules, content, curriculum, frameworks, tools, recordings, live sessions, facilitators, delivery methods, or supporting materials.

You acknowledge and agree that:

  • The Services are provided on an access-based basis, not on the basis of specific lessons, modules, or content

  • No particular curriculum, instructor, lesson, module, or format is guaranteed

  • Changes to the Services do not constitute non-delivery, partial delivery, or a failure to perform

  • Modifications to content do not entitle you to any refund, credit, extension, or chargeback

The Company’s obligation is limited to providing access to the Services during the applicable access term, not to maintaining any specific content in perpetuity.

6. ACCESS TERM; EXPIRATION OF ACCESS

Access to the Services is provided for a limited term of three hundred sixty-five (365) days from the date access is first granted, unless otherwise expressly stated in writing.

You acknowledge and agree that:

  • Access automatically expires at the end of the access term

  • Continued access beyond the term is not guaranteed and may require additional payment

  • The Company has no obligation to maintain, archive, or restore access after expiration

  • Expiration of access does not entitle you to any refund, credit, or extension

The Company may, in its sole discretion, extend, restrict, suspend, or modify access due to platform changes, program evolution, business operations, or technical requirements.

7. LICENSE GRANT; INTELLECTUAL PROPERTY

You are granted a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your own professional or business purposes during the access term.

You may not:

  • Share, sell, distribute, sublicense, copy, reproduce, or create derivative works

  • Share access links, login credentials, passwords, or AI tool access

  • Allow any third party to access the Services

  • Circumvent technological or access safeguards

All intellectual property, including content, methodologies, frameworks, systems, AI outputs, trademarks, and branding, remains the exclusive property of the Company.

8. AI TOOLS, APPLICATIONS & TECHNOLOGY DISCLAIMERS

Where the Services include AI-powered tools, applications, or automated features:

  • Outputs are generated algorithmically and may be incomplete, inaccurate, biased, or unsuitable

  • AI outputs do not constitute advice, recommendations, or professional guidance

  • You are solely responsible for reviewing, validating, and applying any outputs

Access to AI tools is licensed, not sold, strictly personal to you, and actively monitored, logged, and audited. Unauthorized sharing or misuse constitutes material breach and theft of services.

9. MASTERMINDS, GROUP PROGRAMS & ONE-ON-ONE SERVICES

For masterminds, group programs, and one-on-one services:

  • Services are access-based, not attendance-based

  • Participation opportunities may include live calls, recordings, written materials, forums, or other formats, which may change at any time

  • Scheduling, attendance, and participation are your responsibility

  • Missed sessions, cancelled sessions, rescheduled sessions, facilitator changes, or format changes do not constitute non-delivery

  • The Company reserves the right to modify cadence, content, structure, facilitators, or delivery method at its discretion

No specific level of access, interaction, or availability is guaranteed.

10. NO REFUND POLICY

ALL SALES ARE FINAL.

No refunds, exchanges, credits, or reversals are provided for any Services, including but not limited to:

  • Digital programs and courses

  • Certifications or licenses

  • Masterminds and group experiences

  • Coaching or one-on-one services

  • AI tools, applications, or subscriptions

This policy is a material inducement for the Company to provide access.

11. PAYMENT AUTHORIZATION; FAILED PAYMENTS

You expressly authorize the Company to:

  • Charge your selected payment method for the full purchase price

  • Re-attempt failed or declined payments

  • Charge any outstanding balance immediately upon default, where permitted

Failure to complete payment does not cancel your financial obligation or entitle you to continued access.

12. CHARGEBACKS & PAYMENT DISPUTES

Initiating a chargeback or payment dispute for Services that have been delivered constitutes a material breach of this Agreement.

Upon such breach:

  • Access is immediately terminated

  • All licenses, certifications, and designations are revoked

  • All remaining access and bonuses are forfeited

The Company may recover:

  • Administrative fees (minimum $250 USD)

  • Legal fees and collection costs

  • Any unpaid balances

Retention or use of materials after a chargeback constitutes intellectual property infringement.

13. ASSUMPTION OF RISK

You knowingly and voluntarily assume all risks associated with:

  • Participation in the Services

  • Implementation of ideas, frameworks, or tools

  • Business, financial, reputational, and personal decisions

  • Use or misuse of AI tools or outputs

Risk of loss is inherent in business and personal development activities.

14. RELEASE OF LIABILITY

To the maximum extent permitted by law, you irrevocably release, waive, and discharge the Company, its owners, officers, employees, contractors, affiliates, licensors, and representatives from any and all claims, demands, causes of action, damages, losses, or liabilities of any kind arising out of or related to:

  • Your participation in or use of the Services

  • Reliance on any content or AI outputs

  • Failure to achieve results or expectations

  • Program changes, access limitations, or expiration of access

  • Acts or omissions of other participants

This release applies whether claims arise in contract, tort, negligence, strict liability, or otherwise.

15. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

  • The Company shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, revenue, data, goodwill, or opportunity.

  • The Company’s total cumulative liability, under any theory of law, shall not exceed the total amount you paid to the Company for the specific Service giving rise to the claim.

These limitations apply even if a remedy fails of its essential purpose.

16. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Company from any claims, damages, losses, liabilities, costs, and expenses (including attorneys’ fees) arising from:

  • Your breach of this Agreement

  • Your misuse of the Services

  • Your violation of applicable law

  • Your representations or conduct toward third parties

17. TERMINATION

The Company may terminate or suspend your access immediately, without refund, if you:

  • Violate these Terms

  • Share access or credentials

  • Engage in deceptive, abusive, or unethical conduct

  • Initiate a chargeback or dispute

18. FORCE MAJEURE

The Company shall not be liable for delays or failures caused by events beyond its reasonable control, including acts of God, platform outages, internet disruptions, governmental actions, or technological failures.

19. GOVERNING LAW & VENUE

This Agreement is governed by the laws of the State of California, without regard to conflict-of-law principles.

You consent to exclusive jurisdiction and venue in courts located within 50 miles of Los Angeles, California.

20. ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the parties and supersedes all prior communications, representations, or agreements.

No oral modifications are valid.

21. SEVERABILITY

If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

22. CONTACT INFORMATION

Email: care@lorenhogue.com
Entity: Loren Hogue Inc