Disclaimer, Terms and Conditions, and Privacy Policy for THCG, LLC, For Website, Programs, Products + Services

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Table of Contents

1. 1. Disclaimer
   2. Website Terms and Conditions
   3. Refund & Cancellation Policy
   3B. Final Sale Items  3C. Subscriptions 3D. Courses and Certifications 3E. Online Purchase Agreement & Clickwrap Consent
   4. Intellectual Property & Licensing
   5. Podcast Protection
   6. Platform Use Rules
   6A. THCG Full Program Library – BETA Terms
   7. Privacy Policy
   8. Fees, Payments & Interest
   9. Security & Data Practices
   10. Children’s Privacy
   11. Acceptable Use Policy
   12. Termination & Indemnification
   13. Assignment & Severability
   13A. Right to Modify Terms Without Notice
   14. Governing Law
   15. Testimonial Use & User Submissions
   16. Contact Information

1. Disclaimer

By entering this website or using our products, services, or content, you agree to this Disclaimer. If you do not agree, do not use our Website, Programs, Products, or Services.

Educational and Informational Purposes Only:  All content is for general education and informational purposes only.

Medical Disclaimer: We are not licensed medical providers. Consult your health care provider before making health changes.

Legal and Financial Disclaimer: We do not offer legal or financial advice. Always consult with a licensed attorney or financial advisor.

No Guarantees & Assumption of Risk: We make no guarantees about outcomes. You assume full responsibility for your use of our content.

Limitation of Liability: To the fullest extent under Florida law, THCG, LLC is not liable for damages resulting from use of our Website or materials.

ADA Website Accessibility: We are committed to accessibility. Contact us at support@thehealthcoachgroup.com if you encounter any issues.

AI Use Prohibited: Our content may not be entered into or used to train AI models without written permission. Unauthorized use will result in legal action.

2. Website Terms and Conditions

By using this Website, you agree to comply with these terms.

Eligibility: You must be 13 or older to use the site. For paid programs or content, you must be 18 or older.

License to You: You receive a limited, revocable, non-transferable license for personal or business use. No resale or redistribution is permitted.

Prohibited Uses:

• No unauthorized sharing or selling of our materials.
• No uploading content to AI or third-party training tools.
• No unlawful use or impersonation.

Intellectual Property Ownership: All content is owned by THCG, LLC or its licensors and protected under U.S. and international law.

User Submissions By submitting content, you grant THCG, LLC a non-exclusive, worldwide license to use, display, and distribute it.

Third-Party Links We may link to third-party websites. We are not responsible for their content or practices.

3. Refund & Cancellation Policy

All digital product sales are final unless otherwise stated in writing.

The Health Coach Group delivers fully completed, immediate-access digital programs and proprietary intellectual property. Because you receive instant access to download these assets, all sales are final, and no refunds will be issued under any circumstances.

Our Commitment to Your Choice:

We stand firmly behind our 14-year record of clinical education and curriculum excellence. We ask that you thoroughly review our product curriculum index, program guides, and scope layouts to ensure this asset perfectly aligns with your organizational deployment goals before completing your purchase.

3B. – Final Sale Items

The following are always final sale and not eligible for refunds:

• Programs, Modules, Workshops, and Special Productions.

• Special promotions and discounted events

• Digital downloads

• Online programs

• Memberships and subscriptions (after renewal)

• Any product, service, or program delivered immediately upon purchase

3C. – Subscriptions

Subscriptions must be canceled before renewal to avoid additional charges. Refunds are not granted for past renewals.

3D. – Courses and Certificates

Participation Requirement for Refund-Eligible Courses and Certificates

To ensure the request is based on an informed decision, all courses offering a refund require 100% participation within the first 30 days. This includes:

• Completing all lessons released during the guarantee window

• Completing all worksheets, exercises, or assignments included

• Attending all live sessions or watching the available replays

• Demonstrating sincere engagement with the material

This requirement ensures that your refund decision is made with a full understanding of the program and the value offered.

Requests that do not meet the participation criteria will not be eligible for a refund.

3E. – Online Purchase Agreement & Clickwrap Consent

By purchasing any product, program, or service through this Website or affiliated platforms, you acknowledge and agree that:

• You are entering into a legally binding contract with THCG, LLC.

• You agree to abide by these Terms & Conditions, the Refund Policy, Licensing Terms, and Privacy Policy.

• Checking a box or clicking “Complete Purchase” constitutes your digital signature under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA).

• You acknowledge that all sales are final.

• You agree not to initiate chargebacks without first contacting THCG, LLC to resolve any dispute. Your receipt and confirmation serve as evidence of this contractual agreement.

4. Intellectual Property & Licensing

All content, programs, courses, modules, documents, workbooks, presentations, videos, graphics, templates, marketing materials, and other resources provided by THCG, LLC are protected by United States and international copyright, trademark, and intellectual property laws.

Standard Products and Memberships

Unless otherwise expressly stated in writing, all products, memberships, subscriptions, courses, and digital resources sold by THCG, LLC are licensed, not sold.

Purchase grants the purchaser a limited, non-transferable, revocable license for personal business use. Purchasers may not reproduce, distribute, resell, sublicense, share, modify for resale, train artificial intelligence systems on, or redistribute THCG content without written permission.

THCG, LLC retains all ownership rights, copyrights, trademarks, and intellectual property interests in all standard products and services.

White-Label Licensing Products

Certain products offered by THCG, LLC, including designated Legacy Licensing Vault packages and other expressly identified white-label licensing products, include expanded licensing rights.

For these products, purchasers receive a perpetual, non-exclusive license to use the specifically licensed materials within their own business subject to the terms of the applicable licensing agreement.

Unless otherwise specified in a separate written agreement, purchasers of licensed white-label products may:

• Rebrand licensed materials with their own business name and branding.

• Modify, edit, customize, expand, shorten, and adapt licensed materials.

• Use licensed materials with unlimited clients, groups, workshops, memberships, educational programs, coaching programs, online courses, and corporate wellness programs.

• Deliver licensed materials in digital, print, live, virtual, or hybrid formats.

Restrictions on Licensed Products

Even where expanded licensing rights are granted, purchasers may not:

• Resell, transfer, sublicense, assign, or redistribute the original source files as a standalone content library.

• Claim ownership of THCG trademarks, logos, business names, service marks, or branding.

• Represent themselves as the original creator or copyright owner of THCG intellectual property.

• Create a competing content licensing business using THCG materials without written authorization from THCG, LLC.

Artificial Intelligence Restrictions

Except where expressly authorized in writing by THCG, LLC, users may not use, copy, scrape, harvest, download, extract, upload, process, or otherwise utilize any THCG content, materials, programs, documents, videos, images, presentations, workbooks, databases, curriculum, or intellectual property for the purpose of:

• Training, fine-tuning, improving, or developing any artificial intelligence, machine learning, large language model, neural network, or similar technology.

• Creating derivative AI-generated content libraries based substantially on THCG materials.

• Building, training, or commercializing AI systems using THCG intellectual property.

• Uploading THCG materials to third-party AI systems for the purpose of creating competing products, content libraries, courses, or educational resources.

• Using automated scraping, bots, crawlers, or data extraction tools to collect THCG content.

The use of THCG content as prompts, training data, retrieval data, fine-tuning data, synthetic data generation, or any similar AI-related purpose is strictly prohibited without prior written authorization from THCG, LLC.

This restriction survives termination of access, cancellation of services, expiration of memberships, and completion of purchases.

No Trademark Rights Granted

No purchase or license grants any ownership interest in THCG trademarks, logos, service marks, trade names, domain names, branding, trade dress, or goodwill.

All such rights remain the exclusive property of THCG.

Content Protection and Bulk Extraction

Users may not systematically download, scrape, archive, mirror, capture, copy, reproduce, or store substantial portions of THCG content for redistribution, resale, commercial exploitation, or unauthorized use.

Delivery and Access

Purchasers are responsible for downloading and maintaining copies of delivered materials where downloads are provided.

THCG does not guarantee perpetual hosting, platform access, account availability, software compatibility, storage, or future technology support unless expressly stated in writing.

Violations and License Revocation

THCG reserves the right to suspend, terminate, revoke, or restrict access to any product, service, membership, or license for violations of these Terms and Conditions, intellectual property infringement, unauthorized redistribution, fraudulent activity, or misuse of THCG materials.

THCG reserves all legal and equitable remedies available under applicable law.

Assignment and Successors

THCG may assign, transfer, license, sell, or otherwise convey its intellectual property, contractual rights, assets, or business interests to a successor entity, affiliate, purchaser, or assignee without notice to users.

Survival

The provisions relating to Intellectual Property, Licensing Restrictions, Artificial Intelligence Restrictions, Confidentiality, Limitation of Liability, Indemnification, Dispute Resolution, and all ownership rights shall survive termination of any membership, purchase, subscription, account, license, or business relationship with THCG.

5. Podcast Protection – Health Coach Conversations

“Health Coach Conversations” is a proprietary podcast of THCG, LLC and is protected by copyright, trademark, and common law rights.

• Unauthorized use of our podcast name, logo, brand assets, audio clips, or content is strictly prohibited.
• You may not create derivative works, quote audio out of context, or suggest endorsement without express written consent.

6. Platform Use Rules

Key Platform Usage Rules:

• All access must occur through THCG-managed platforms.
• Downloading, screen-recording, reverse engineering, AI ingestion, or API access is strictly prohibited.
• No modules, files, or program parts may be made publicly available.
• You agree not to share, sublicense, lease, or otherwise allow others to access your account.
• Unlocked, shared, or redistributed files will result in access termination and potential legal action.

6a. THCG Full Program Library – BETA Terms

By enrolling in the THCG Full Program Library – BETA Program (“Program”), you (“Participant”) agree to the following terms, which are governed by the general Terms & Conditions and licensing structure of THCG, LLC.

1. Program Access & Usage

• Participants will receive access to over $70,000 worth of THCG programs for one (1) year from the date of enrollment.
• New programs valued at $10,000–$20,000 may be added at THCG’s discretion during the subscription term.
• Program content will be delivered exclusively through THCG-managed platforms. No external hosting, duplication, or download of complete programs, modules, or files is allowed.

2. Client Enrollment & Delivery

• Participants may enroll up to 1,500 clients per license within their subscription term.
• Programs may only be delivered through THCG’s proprietary platform. Any delivery outside of this environment is prohibited.

3. Pricing & Grandfathered Rate

• The enrollment fee is defined at the time of initial BETA purchase and is valid for one year.
• Participants who remain in good standing will be “grandfathered” at their original rate, subject to continued adherence.
• Once the BETA phase ends, standard program rates will increase for new participants.

4. Membership Mastery Course

• Participants receive complimentary access to the Membership Mastery Course (valued at $2,497) during active membership.
• This course is licensed for personal educational use only and may not be resold, duplicated, or redistributed.

5. Platform & Support

• Participants must use the THCG-managed platform to deliver content.
• Basic technical support will be provided; business coaching is not included.

6. Refunds & Cancellations

• All sales are final. No refunds will be issued due to the digital nature of the content.
• Non-compliance with these terms may result in the revocation of access without refund.

7. Intellectual Property Rights

• All content remains the sole intellectual property of THCG, LLC.
• Any duplication, extraction, sharing, or storage outside the THCG platform is a material breach and may result in legal action.

8. Termination & Compliance

• THCG reserves the right to revoke access without notice for violations of any BETA or General Terms.
• Terms may be updated, and participants will be notified of significant changes.

9. Acceptance of Terms

By enrolling, you confirm that you have read, understand, and agree to these Program Terms and the overarching THCG General Terms & Conditions.

7. Privacy Policy

Your Data Privacy Rights

Depending on your location and applicable privacy laws, you may have the right to:

• Access your personal data – Request a copy of the data we hold about you.
• Correct inaccurate data – Update or amend information we store.
• Delete your data – Request deletion of your personal data, subject to exceptions.
• Limit or object to processing – Restrict how your data is used for marketing or profiling.
• Withdraw consent – Revoke consent for marketing or other uses at any time.
• Data portability – Receive your personal data in a portable format.
• Lodge a complaint – Contact your local data protection authority.

To make a privacy-related request, email us at: support@thehealthcoachgroup.com. We may verify your identity before processing requests.

International Users

THCG, LLC is based in the United States, and your personal data may be stored or processed on servers located in the U.S. or other jurisdictions with different data protection laws than your home country.

By using our Website or services, you acknowledge that your personal data may be transferred to and processed in the United States. We take commercially reasonable steps to protect your data in accordance with applicable laws and this Privacy Policy.

If you are a resident of the European Union (EU), United Kingdom (UK), Canada, Australia, or other jurisdictions with privacy laws, you may have additional rights under those laws.

Additional Rights for Florida and California Residents

Residents of Florida and California may have specific rights under applicable privacy laws, including:

• The right to know what personal information is collected and how it is used.
• The right to access, delete, or correct personal data.
• The right to opt out of the sale or sharing of personal information.
• The right to limit the use of sensitive personal data.
• The right to not be discriminated against for exercising these rights.

To exercise your rights, please email us at support@thehealthcoachgroup.com. We will verify your identity before fulfilling your request.

Anti-Spam Policy & Opt-Out Rights

THCG, LLC maintains a strict anti-spam policy. You will only receive emails from us if you have:

• Opted in to receive communications via a form, purchase, or registration, or

• Provided your email to access content, attend an event, or request support.

We respect your inbox and strive to limit the frequency and content of our emails to provide relevant information only.

You may unsubscribe from our emails at any time by clicking the “unsubscribe” link included in every email communication. Alternatively, you may contact us directly at support@thehealthcoachgroup.com to request removal from our mailing list.

We do not sell, rent, or share your email address with third parties without your consent, except as required by law or as outlined in our Privacy Policy.

Passwords & Account Security

To access certain features of the Website, digital programs, or services, you may be required to create a user account with a username and password. You agree to maintain the confidentiality of your account credentials and are solely responsible for all activity that occurs under your account.

You agree to:

• Not share your login credentials with any third party.

• Notify us immediately at support@thehealthcoachgroup.com if you suspect unauthorized use of your account or a breach of security.

• Ensure that you log out of your account at the end of each session, especially when using a shared or public device.

THCG, LLC is not liable for any loss or damage arising from your failure to safeguard your password or account information.

We reserve the right to disable or terminate any user account, at our discretion, if we suspect a violation of these Terms or misuse of access credentials.

Cookies & Tracking Technologies

We use cookies and similar tracking technologies on our Website to:

• Provide and improve user experience

• Analyze traffic and user behavior

• Deliver personalized content and ads

• Remember user preferences between sessions

Cookies are small text files placed on your device when you visit a website. These may include session cookies (which expire when you close your browser) and persistent cookies (which remain until deleted or expired).

You can control or disable cookies through your browser settings. However, disabling cookies may affect the functionality of the Website.

We may use third-party services such as Google Analytics, Facebook Pixel, and email marketing providers, which may also set cookies or collect data for advertising, analytics, or marketing purposes. These third parties are responsible for their own privacy and cookie policies.

By continuing to use our Website, you consent to our use of cookies and similar technologies as described in this policy.

If you are located in the European Union or another jurisdiction that requires it, you will be given the option to accept or decline non-essential cookies upon visiting our Website.

8. Fees, Payments & Interest

Payment Plans & Recurring Billing

If you elect to purchase a program, course, or service from THCG, LLC using a payment plan or recurring billing option, you agree to the following:

• Authorization: By selecting a payment plan, you authorize THCG, LLC to charge your chosen payment method in the amount and frequency stated at the time of purchase.
• No Cancellation for Partial Payments: You are responsible for completing all payments in your plan. Canceling your payment method or failing to complete scheduled payments does not relieve you of your financial obligation.
• Default Consequences: If a payment fails or is more than 15 days late, THCG, LLC reserves the right to revoke access to programs and/or assess a late fee of $30.
• Access Suspension: Access to all purchased digital content may be suspended until your account is brought current.
• Chargebacks & Disputes: Any chargebacks or payment disputes initiated without prior contact and reasonable opportunity to resolve will result in immediate termination of access and may be referred to a collections agency, along with applicable fees.
• Collections: Accounts referred to collections may incur a $50 processing fee and will be subject to the maximum interest rate allowed by law, as specified below.

Unpaid charges are subject to interest at a rate equal to the lesser of:

• 1.5% per month (18% annually), or
• The maximum rate allowed by applicable Florida law

9. Security & Data Practices

• THCG, LLC uses commercially reasonable efforts to secure your information both online and offline.
• We cannot guarantee that unauthorized breaches will never occur.
• Users are advised to use strong passwords and log out after each session.
• Breach notifications will be provided via email or public notice within a reasonable time as required by law.

10. Children’s Privacy

• This website is intended for users 18 years or older.
• THCG, LLC does not knowingly collect personal data from children under 18.
• If we learn that a child has submitted information, we will delete it immediately.

11. Acceptable Use Policy

You may not:

• Use our content for illegal, unethical, defamatory, or misleading business practices.
• Resell, scrape, replicate, or create derivative works based on THCG programs.
• Harass, stalk, or exploit THCG clients, team, or community members.
• Introduce viruses, Trojans, or exploit security vulnerabilities on the platform. Violations may result in permanent access termination and legal prosecution.

12. Termination & Indemnification

• THCG may revoke access to services at any time for violation of these terms.
• Termination does not entitle you to a refund.
• You agree to indemnify and hold THCG, LLC harmless from any claims, losses, or damages resulting from your use of the services or breach of this agreement.
• Indemnity extends to misuse of the platform by your employees, contractors, or clients.

13. Assignment & Severability

• You may not assign your rights under this agreement without written consent.
• If any part of this agreement is held invalid or unenforceable, the remaining parts shall remain in effect.
• Failure to enforce any provision shall not be deemed a waiver of future enforcement.

13A. Right to Modify Terms Without Notice

• THCG reserves the right to modify these Terms & Conditions, program rules, or platform policies at any time, with or without notice.
• Significant changes may be posted or emailed, but are not guaranteed.
• Retroactive changes may apply to comply with the law, protect THCG IP, or enhance user protection.

14. Governing Law

The laws of the State of Florida govern this Agreement.

If any legal action or any arbitration or other proceeding is brought for the enforcement of this Agreement, or because of an alleged dispute, breach, default or misrepresentation in connection with any of the provisions of this Agreement, the successful or prevailing party or parties shall be entitled to recover reasonable attorneys’ fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled.

• These terms shall be governed and interpreted under the laws of the State of Florida.
• Jurisdiction for all disputes shall lie exclusively in Martin County, Florida.
• Any legal action must be brought within one (1) year of the cause of action.

15. Testimonial Use and User Submission

• You grant THCG, LLC a worldwide, perpetual, irrevocable license to use any testimonials, comments, photos, or videos you submit.
• This may include your name, image, business name, and statements for marketing and education.
• Submissions become the property of THCG, LLC. Removal requests may be considered, but are not guaranteed.

16. Contact Information

If you have any questions, concerns, or notices regarding these Terms & Conditions, you may contact us at:

6131 SE Martinique Dr. 202
Stuart, Florida 34997
Email: support@thehealthcoachgroup.com

© 2026 THCG, LLC. All rights reserved.
Effective Date: January 1, 2012
Updated: January 1, 2025 THCG Full Library Beta added

Last Updated: September 8, 2025  Table of Contents and Clarification of Terms

Last Updated: October 12, 2025  Refund & Cancellation Policy
Last Updated: June 22, 2026 Refund & Cancellation Policy

Last Updated: June 24, 2026 Licensing