Terms of Use

These Terms of Service (“Terms”) constitute a binding legal agreement between you (“User,” “you,” or “your”) and Champions Ministry (“Company,” “we,” “us,” or “our”) governing your access to and use of our websites, located at www.unmaskingthetoxic10.com, any associated sales funnel pages, subdomains, and any digital platforms operated by the Company (collectively, the “Websites”), as well as the purchase, download, access, or use of any products, services, memberships, or other offerings provided by the Company (collectively, the “Services”).

By accessing, using, or purchasing through the Websites, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must immediately discontinue use of our Websites and Services.

1. Acceptance of Terms

1.1. By accessing, browsing, or using the Websites, creating an account, or purchasing any of our Services, you represent and warrant that you have the legal capacity to enter into this Agreement.
1.2. These Terms apply regardless of whether you are a visitor, a registered account holder, or a purchaser.
1.3. Your continued use of the Websites following the posting of updated Terms constitutes acceptance of any modifications.
1.4. These Terms govern both the main informational site and any sales funnel site owned or operated by the Company.

2. Definitions

For purposes of these Terms:

“Company” refers to Champions Ministry, including all affiliates, successors, and assigns.

“Websites” means www.unmaskingthetoxic10.com, its associated sales funnel pages, and any related domains or subdomains.

“Products” includes but is not limited to eBooks, downloadable resources, digital tools, templates, videos, and memberships.

“Services” includes the provision of Products, digital courses, memberships, consultations, free resources, and related offerings.

“User” means any person or entity accessing or using our Websites or Services.

“Lead Magnet” refers to any free digital content offered in exchange for contact information.

3. Eligibility

3.1. Age Requirement: You must be at least 18 years old, or the age of majority in your jurisdiction, to purchase our Products or Services. Users under the age of 18 may only access our Websites with the consent and direct supervision of a parent or legal guardian.
3.2. Geographic Restrictions: While our Websites are accessible worldwide, certain Services may be unavailable in specific jurisdictions due to local laws or restrictions. It is your responsibility to ensure compliance with the laws of your location.
3.3. Prohibited Users: Access to our Websites is prohibited to individuals and entities located in or affiliated with jurisdictions subject to U.S. trade sanctions or other legal restrictions.

4. Changes to Terms

4.1. We reserve the right to amend, update, or replace any part of these Terms at our sole discretion without prior notice.
4.2. Changes will be effective upon posting to the Websites, and the “Effective Date” at the top will be updated accordingly.
4.3. Your continued use of our Websites and Services after changes are posted constitutes your acceptance of the revised Terms.

5. Scope of Services

5.1. The Company provides informational content, digital products, online memberships, and related services.
5.2. All Products and Services are delivered electronically. We do not sell or ship physical products.
5.3. We may also offer free resources (“Lead Magnets”) in exchange for your contact information; these are also governed by these Terms.
5.4. The inclusion of any Products or Services on our Websites at a particular time does not guarantee that such Products or Services will be available at all times.

6. Account Registration & Security

6.1. Account Creation: Some Services may require you to create a user account. You agree to provide accurate, complete, and current information during registration and to update such information as necessary.
6.2. Security: You are solely responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.
6.3. Unauthorized Access: You must immediately notify us of any unauthorized use of your account or security breach. We will not be liable for any loss or damage arising from your failure to safeguard your credentials.
6.4. Multiple Accounts: You may not create multiple accounts for the purpose of abusing promotional offers or circumventing restrictions.

7. Payment Terms

7.1. Full Payment Requirement: Unless otherwise stated in writing, all Products and Services must be paid for in full at the time of purchase.
7.2. Payment Methods: We accept payment via major credit cards, PayPal, and other methods listed at checkout. All payments are processed securely through third-party payment processors.
7.3. Currency & Fees: Prices are listed in U.S. dollars (USD). Users outside the U.S. are responsible for any currency conversion fees, international transaction fees, or bank charges.
7.4. Non-Payment: We reserve the right to withhold delivery or access to Products or Services in the event of payment failure or chargeback disputes.
7.5. Taxes: You are responsible for any applicable sales, VAT, GST, or similar taxes imposed by your jurisdiction, unless otherwise stated.

8. Pricing & Availability

8.1. Price Changes: All prices for our Products and Services are subject to change without prior notice.
8.2. Errors & Omissions: In the event of a pricing error, typographical mistake, or incorrect product listing, we reserve the right to cancel or refuse any orders placed, even if the order has been confirmed and payment has been processed. Any payments already made will be refunded in full.
8.3. Availability: We do not guarantee that any particular Product or Service will be available at all times. We may discontinue, modify, or limit access to any Product or Service without liability.
8.4. Promotions: Any promotional pricing, discounts, or special offers are valid only for the period and conditions stated and may be subject to withdrawal or change at any time without notice.

9. Digital Product Delivery

9.1. Delivery Method: Digital Products and Services will be delivered electronically via email, download link, or access through a secure membership portal, as applicable.
9.2. Free Delivery: All digital deliveries are provided free of charge.
9.3. Access Responsibility: You are responsible for providing accurate contact information to ensure proper delivery. We are not responsible for non-receipt due to incorrect email addresses or technical issues on your end.
9.4. Download Window: Certain Products may have limited-time download availability. You are responsible for downloading and securing your purchased content within the provided timeframe.

10. Refund & Cancellation Policy

10.1. Refund Eligibility: We offer a 30-day refund policy for most digital Products and Services unless otherwise stated at the time of purchase.
10.2. Conditions: Refund requests must be submitted in writing to [support email placeholder] within 30 calendar days from the date of purchase.
10.3. Exclusions: Refunds will not be granted for:

Products accessed or downloaded in full and used substantially;

Membership subscriptions after the initial 30 days;

Free or promotional Products;

Abuse or misuse of the Product or Service.
10.4. Membership Cancellations: You may cancel memberships at any time; however, access will continue until the end of the current billing cycle, and no pro-rated refunds will be issued.
10.5. Refund Method: Approved refunds will be processed using the original payment method within a reasonable timeframe.

11. License & Permitted Use

11.1. License Grant: Upon purchase, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Product or Service for your personal, non-commercial purposes only.
11.2. Restrictions: You may not:

Copy, reproduce, or distribute any Product without prior written consent;

Resell, sublicense, or exploit any Product for commercial purposes;

Share login credentials or grant access to others;

Modify, adapt, reverse-engineer, or create derivative works from our Products.

11.3. Termination of License: Any violation of these Terms will result in the immediate termination of your license without notice or refund.

12. Intellectual Property Rights

12.1. Ownership: All content, trademarks, service marks, logos, and intellectual property on the Websites and within the Products are the exclusive property of the Company or its licensors.
12.2. No Transfer of Rights: Your use of the Websites or Services does not grant you any ownership or proprietary rights.
12.3. User-Generated Content: If you submit, post, or upload content to our Websites (e.g., testimonials, feedback), you grant the Company a worldwide, perpetual, royalty-free license to use, reproduce, and display such content in any media, for promotional or operational purposes.
12.4. Infringement Claims: If you believe your intellectual property rights have been violated, please contact us immediately with sufficient detail for investigation.

13. User Conduct & Prohibited Activities

13.1. General Conduct: You agree to use the Websites and Services in compliance with all applicable laws and in a manner that does not infringe the rights of, restrict, or inhibit others’ use.
13.2. Prohibited Activities include, but are not limited to:

Engaging in unlawful, fraudulent, or deceptive practices;

Using automated scripts, bots, or data scraping tools;

Uploading or transmitting viruses, malware, or other harmful code;

Harassing, abusing, or harming other users;

Interfering with the operation or security of the Websites

13.3. Breach Consequences: Violation of this section may result in suspension or termination of your account, legal action, and reporting to law enforcement.

14. Disclaimers

14.1. General Disclaimer: The Websites, Products, and Services are provided on an “as-is” and “as-available” basis without warranties of any kind, express or implied.
14.2. No Professional Advice: All content is for educational, informational, or entertainment purposes only and should not be considered legal, financial, medical, or other professional advice.
14.3. No Guarantee of Results: We make no guarantees regarding the effectiveness, results, or suitability of any Product or Service for your specific situation.
14.4. Technical Issues: We do not warrant that the Websites will be uninterrupted, error-free, or free from viruses or harmful components.
14.5. Jurisdictional Limitations: Some jurisdictions do not allow the exclusion of certain warranties; in such cases, our liability is limited to the maximum extent permitted by law.

15. Earnings Disclaimer

15.1. No Guarantee of Income: While our Products and Services may contain strategies, examples, or case studies related to business, finance, or personal development, the Company makes no guarantee that you will achieve any specific results, income, or financial outcomes.
15.2. Individual Results Vary: Success depends on numerous factors, including but not limited to your skills, background, work ethic, market conditions, and level of effort.
15.3. Testimonials: Any testimonials or case studies presented on our Websites or in our Products are provided for illustrative purposes only and should not be construed as promises or guarantees of similar results.
15.4. Assumption of Risk: You acknowledge that you are solely responsible for your own success or failure in applying the information provided.

16. Limitation of Liability

16.1. General Limitation: To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Websites, Products, or Services.
16.2. Cap on Liability: In no event shall our total liability exceed the amount paid by you for the Product or Service giving rise to the claim.
16.3. No Liability for Certain Damages: We are not liable for any loss of profits, data, business opportunities, goodwill, or other intangible losses, whether based in contract, tort, negligence, strict liability, or otherwise.
16.4. Jurisdictional Exceptions: Some jurisdictions do not allow the limitation of liability; in such cases, our liability will be limited to the minimum extent required by law.

17. Indemnification

17.1. You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, contractors, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorney’s fees) arising from:

Your use or misuse of the Websites, Products, or Services;

Your breach of these Terms;

Your violation of any law or third-party rights;

Any content you submit, post, or otherwise transmit through our Websites.

18. Third-Party Links & Resources

18.1. The Websites may contain links to third-party websites, products, or services. Such links are provided for convenience only and do not imply endorsement by the Company.
18.2. We are not responsible for the content, accuracy, or practices of third-party sites and disclaim all liability for any damages or losses arising from your use of them.
18.3. Any dealings you have with third parties are solely between you and the third party.

19. Privacy Policy Incorporation

19.1. By using our Websites and Services, you acknowledge and agree that your personal information will be collected, used, and stored in accordance with our Privacy Policy.
19.2. The Privacy Policy is hereby incorporated into these Terms by reference and is available at https://unmaskingthetoxic10.com/privacy-policy-187625.

20. Support Policy

20.1. Support Channels: Customer support is available via email at [support email placeholder] or via our online contact form.
20.2. Response Time: We aim to respond to support inquiries within a reasonable timeframe but do not guarantee any specific response time.
20.3. Scope of Support: Support is limited to assisting with access, downloads, and basic product functionality. We do not provide personalized training, technical customization, or legal/financial advice.

21. Termination

21.1. We reserve the right, at our sole discretion, to suspend or terminate your account and/or access to our Products and Services at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
21.2. Upon termination, all licenses granted to you will immediately end, and you must cease all use of the Products and Services.
21.3. Termination will not affect any rights or obligations that have accrued prior to termination.

22. Governing Law & Jurisdiction

22.1. These Terms shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to its conflict of law principles.
22.2. You agree that any dispute, claim, or controversy arising under or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Sacramento, California, subject to the arbitration provision below.

23. Dispute Resolution & Arbitration

23.1. Binding Arbitration: Any dispute arising from or relating to these Terms shall be resolved exclusively through final and binding arbitration conducted in Sacramento, California, under the rules of the American Arbitration Association (AAA).
23.2. Waiver of Class Actions: You agree that you may only bring claims in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
23.3. Small Claims Exception: You may bring an individual action in small claims court if your claims qualify.

24. Force Majeure

24.1. We shall not be liable for any failure or delay in performance caused by events beyond our reasonable control, including but not limited to acts of God, natural disasters, epidemics, government actions, labor disputes, internet or telecommunications failures, cyberattacks, or power outages.

25. Entire Agreement & Severability

25.1. These Terms, along with our Privacy Policy and any additional terms agreed in writing, constitute the entire agreement between you and the Company.
25.2. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.
25.3. No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.

26. Assignment

26.1. The Company may assign or transfer its rights and obligations under these Terms without restriction or notice.
26.2. You may not assign or transfer any rights or obligations under these Terms without our prior written consent. Any unauthorized assignment is null and void.

27. Contact Information

27.1. For questions about these Terms or any legal notices, please contact us at:

Champions Ministry

901 H Street Suite 120

Sacramento, California 95814