Rule Benders — Master Terms of Use

Last updated: 16/08/2025
Governing Entity: Rule Benders Life & Business Coaching Limited (“Rule Benders,” “we,” “us,” or “our”).
Contact: info@rule-benders.com

Binding Nature. By purchasing, accessing, or participating in any Rule Benders product, service, program, membership, tool, or experience (collectively, the “Services”), you (“Client,” “Participant,” or “User”) agree to be legally bound by these Master Terms of Use (the “Master Terms”) and any applicable Product Addendum (each, an “Addendum”). These Terms are intended to protect both you and Rule Benders.

1. General Scope & Structure

1.1 Application. These Master Terms apply to all Services unless expressly superseded by an applicable Addendum.
1.2 Addenda. Addenda (organized by product and referenced from our website or checkout) provide offer‑specific terms including deliverables, payment structures, refund eligibility, and access rights.
1.3 Hierarchy. Where an Addendum expressly differs from these Master Terms, the Addendum controls for that Service; otherwise, both apply together.
1.4 Consent. By proceeding with payment or accessing any content, you confirm you have read, understood, and agreed to be legally bound by the Master Terms and any relevant Addendum.

2. Definitions (Summary)

Content means all materials provided by Rule Benders (e.g., modules, videos, audio, worksheets, templates, scripts, frameworks, community posts, and recordings).
Lifetime access means the lifetime of a program as offered and supported by Rule Benders, not your lifetime.
Third‑Party Platforms include tools Rule Benders uses to deliver Services (e.g., WordPress, LearnWorlds, Kajabi, Zoom, Slack/Circle, ActiveCampaign, ManyChat, SamCart, Paddle, Stripe/PayPal, Google Drive, Vimeo, Meta/Instagram/Facebook, OpenAI or similar AI services).

3. Eligibility & Account Use

3.1 Age. You must be at least 18 years old to purchase or use the Services.
3.2 Account Accuracy. You agree to provide accurate, complete, and current information when registering or making purchases and to maintain the security of your login credentials.
3.3 Single‑User License. Unless expressly authorized in writing: (a) Services are licensed for one individual; (b) logins may not be shared; (c) multi‑user or corporate licenses require a separate agreement; and (d) purchasing with the intent to resell or distribute is prohibited.
3.4 Suspension. We may suspend or terminate access without refund for violations of these Terms.

4. Intellectual Property; License; Prohibited Uses

4.1 Ownership. Rule Benders retains all copyrights, trademarks, trade secrets, database rights, and other IP rights in or to the Content and the Services, including all derivative works, methods, systems, and processes (e.g., proprietary prompts, frameworks, funnels, auditing methods, and SOPs). Nothing in this Agreement transfers ownership to you. All rights not expressly granted are reserved.
4.2 License Grant. Upon purchase or authorized access, Rule Benders grants you a limited, revocable, non‑exclusive, non‑transferable license to use the Content solely for your personal or internal business use as permitted by these Terms and any Addendum.
4.3 Prohibited Uses. Without our prior written consent, you may not: (a) copy, edit, translate, train other AI models on, distribute, or reproduce Content; (b) share Content with non‑purchasers; (c) claim authorship of Rule Benders Content; (d) incorporate Content into products, courses, programs, or trainings for resale; (e) use Content for client delivery, team‑wide implementation, or corporate training; (f) share, sell, or barter login credentials or access; or (g) create substantially similar or confusingly similar works.
4.4 Enforcement. We actively monitor for unauthorized use. Any violation may result in immediate access revocation without refund, legal action, and pursuit of all available remedies.
4.5 Gifted/Complimentary Access. Complimentary access (if offered) is non‑transferable, may exclude paid‑level support or bonuses unless stated, may be revoked for misuse/inactivity/breach, and may expire on a stated date unless purchased. You may not gift complimentary access to third parties without written approval.

5. Payment Terms & Chargeback Policy

5.1 Payment Authorization. By completing a purchase, you authorize Rule Benders (via Paddle as merchant of record and/or other secure processors, including SamCart/Stripe/PayPal) to process the full transaction amount according to the payment terms displayed at checkout and in any applicable Addendum. Prices are in USD unless otherwise specified.
5.2 Installment Plans. If you select a payment plan: (a) all installments are due in full regardless of satisfaction or participation; (b) you authorize recurring charges per the agreed schedule; (c) failed payments must be remedied within five (5) calendar days of notice; (d) after two failed attempts with no response, your account may be suspended and the balance sent to collections; and (e) suspension/termination for non‑payment does not cancel your obligation to complete the plan.
5.3 Non‑Payment. Overdue balances may result in suspension or revocation of access, withholding of deliverables/bonuses/support, and referral to collections.
5.4 No Withholding. You may not withhold or offset payments for any reason unless required by law.
5.5 Chargebacks. Before initiating a chargeback, you must email info@rule-benders.com and allow seven (7) business days for resolution. Unwarranted chargebacks are a material breach and may result in immediate termination of Services, dispute of the chargeback with full documentation, reporting of misuse to processors/authorities, and recovery of associated fees and damages.
5.6 Taxes & Currency. You are responsible for all taxes, duties, and currency conversion/FX fees related to your purchase.

6. Refund Policy (General)

6.1 Default Policy. Unless expressly stated otherwise in an Addendum, all sales are final and non‑refundable after fourteen (14) days from purchase.
6.2 Digital Content. If you request or receive immediate access or download of digital content, you acknowledge and agree that any statutory cooling‑off right ends once you access/download the materials.
6.3 Coaching/Live Services. Fees for sessions already delivered are non‑refundable.
6.4 Conditional Guarantees. If a Service offers a conditional guarantee, eligibility requirements will be set forth in the relevant Addendum (e.g., completion of coursework, attendance, proof of implementation, and deadlines). Failure to satisfy all conditions voids eligibility.
6.5 Requests. Where a conditional guarantee applies, you must email info@rule-benders.com by the stated deadline with required documentation. Approved refunds will be processed to the original payment method within thirty (30) days of approval.
6.6 Non‑Qualifying Situations. Refunds will not be granted for: change of mind or personal circumstances; failure to participate or access materials; dissatisfaction based on preference where deliverables match the description; late or incomplete claims; or missed deadlines.
6.7 Payment Plan Obligations. If a refund request is denied, you remain responsible for all remaining payments in any active plan.
6.8 Final Determination. All refund determinations are made at Rule Benders’ sole discretion.

7. Access & Delivery

7.1 Delivery Methods. Services may be delivered through: (a) live sessions via Zoom or similar; (b) recorded modules, audio trainings, or masterclasses; (c) digital portals or learning platforms such as LearnWorlds or Kajabi; (d) downloads (templates, workbooks, scripts, checklists); and (e) communities (Slack/Circle or similar).
7.2 Access Timelines. Unless otherwise stated: (a) digital products include a minimum of six (6) months access; (b) memberships are accessible only while payments remain current; (c) live/cohort programs may have time‑limited access to replays/portals as stated in onboarding; and (d) where “lifetime access” is stated, it refers to the lifetime of the program (i.e., as long as Rule Benders continues to offer and support it). We may retire or discontinue a program at any time with at least thirty (30) days’ notice to affected participants.
7.3 Replay & Recording Availability. Where live sessions are recorded, replay access and expiration will be stated in onboarding or the Addendum. We are not responsible for replay availability if Third‑Party Platforms experience outages or failures beyond our control.
7.4 Content Updates & Retirements. We may update, replace, or remove outdated or inaccurate materials at any time. We have no obligation to provide prior versions. If a Service is retired, any guaranteed or lifetime access ends upon retirement, subject to the notice period in §7.2.
7.5 Monitoring & Compliance. We may monitor portal usage, downloads, and community participation to ensure compliance. Accounts in violation may be suspended or terminated without refund.

8. Platform Dependencies

8.1 Third‑Party Platforms. Many Services are delivered or supported through Third‑Party Platforms (including but not limited to WordPress, LearnWorlds, Kajabi, Zoom, Slack/Circle, ActiveCampaign, ManyChat, Google Drive, Vimeo, Meta/Instagram/Facebook, SamCart, Paddle, Stripe/PayPal, and providers of AI tools such as OpenAI). Access may require you to create and maintain your own accounts.
8.2 Availability & Changes. Rule Benders is not responsible for: (a) downtime/outages/slow performance; (b) feature removals or policy changes; (c) termination/restriction of your third‑party accounts; or (d) technical or policy changes limiting functionality. If a Third‑Party Platform changes or discontinues a feature affecting delivery, we may: (i) transition to an alternative platform or method; (ii) provide an equivalent replacement resource; or (iii) retire the affected component without refund, provided core deliverables remain available during the stated access period.
8.3 Compliance with Platform Terms. Your use of Third‑Party Platforms is subject to their terms, privacy policies, and community guidelines. You are responsible for reviewing and complying with those terms. We are not liable for your violations or resulting access loss.
8.4 External APIs & Integrations. Some Services rely on external APIs, automation tools, or social media integrations (e.g., ManyChat, Meta, Google). We do not guarantee integrations will remain functional indefinitely and are not liable for changes to APIs or data access rules.
8.5 Lifetime Access Contingency. Any “lifetime” or extended replay rights are contingent on continued availability of the hosting platform. If a platform becomes unavailable, we may provide alternative delivery at our discretion but are not obligated to recreate or rehost retired materials in perpetuity.

9. Use of AI‑Generated Materials

9.1 Incorporation of AI. Certain Services may use AI or machine learning technologies (e.g., chatbots, content generators, predictive analytics, AI‑assisted copy/design). Third‑party AI providers are treated as Third‑Party Platforms (see §8).
9.2 Ownership. Unless stated in an Addendum: (a) all AI prompts, templates, workflows, and instructional materials remain the IP of Rule Benders; (b) you may use AI‑generated outputs for your personal/internal business use only; and (c) you may not resell, repackage, redistribute, train other AI systems on, or incorporate prompts/outputs into courses, client work, or digital products without written permission.
9.3 Accuracy & Limitations. While we apply human oversight, we do not guarantee AI outputs are accurate, complete, current, or free of bias/errors. AI outputs should not be relied upon as legal, financial, medical, mental‑health, or other professional advice.
9.4 Compliance Obligations. Do not input sensitive personal data, protected health information, or confidential material into any AI tool we provide. You are responsible for ensuring your use of AI‑generated content complies with applicable laws and platform rules, including GDPR/UK GDPR, ePrivacy/PECR, CAN‑SPAM, FTC/ASA advertising standards, and IP laws.
9.5 Disclaimer of Liability. We disclaim liability for damages or penalties arising from AI outputs or your implementation thereof. Use is at your own risk.

10. Privacy & Data Policy (Summary)

Your use of the Services is governed by our full Privacy Policy (see section titled “Privacy Policy” below). By using the Services, you consent to: (a) receiving email/SMS communications (opt‑out available); (b) use of cookies, pixels, and analytics to improve Services and measure performance; (c) secure storage/processing of account and transaction information; and (d) use of aggregated/anonymized data for internal optimization and marketing.

11. Testimonials, Recordings & Public Comments

11.1 Consent to Use. By participating in any Service, you acknowledge that feedback, comments, posts, messages, or statements you make—whether inside Rule Benders communities, on group/private calls, via forms, direct communications, or public social media—may be recorded, collected, published, and used by Rule Benders for marketing, educational, or promotional purposes.
11.2 Recorded Calls. Group coaching calls, workshops, masterclasses, and some 1:1 calls may be recorded. By participating, you consent to your voice, image, statements, text comments, and contributions being recorded and used in replay libraries, training archives, and promotional materials. You waive any right to review or approve such recordings.
11.3 License Granted. You grant Rule Benders a worldwide, perpetual, irrevocable, royalty‑free, transferable, sublicensable license to use, reproduce, distribute, display, publish, adapt, edit, transcribe, and create derivative works from your testimonials or recorded contributions, in any media or format.
11.4 Identification. Your name, likeness, business name, title, and geography may be used alongside your contribution unless you request otherwise in writing before publication.
11.5 No Expectation of Privacy. Comments in Rule Benders platforms/communities or group settings should not be considered private; your contributions may be visible to others and used in accordance with these Terms.
11.6 No Compensation. You will not receive payment or royalties for such use.

12. Community Standards

12.1 Purpose. Our communities, coaching, and event spaces are designed for respectful, productive, and supportive interaction.
12.2 Respectful Engagement. Treat all participants, staff, and guests with respect, professionalism, and courtesy. Express disagreements constructively without personal attacks, inflammatory language, or harassment.
12.3 Confidentiality. Maintain confidentiality of peer discussions, stories, and shared resources unless explicit written consent is given to share outside the group.
12.4 Prohibited Conduct. You agree not to engage in: harassment, bullying, intimidation; discrimination or hate speech; defamation, threats, or incitement; unsolicited pitching, spamming, or recruitment of participants for your own programs without prior written consent; or sharing illegal/harmful content.
12.5 IP Respect. Do not copy or repurpose proprietary content, materials, or strategies shared within programs without written permission.
12.6 Enforcement. We may remove any participant and revoke access—temporarily or permanently—without refund for violations that disrupt the learning environment.
12.7 No Guaranteed Privacy in Groups. While confidentiality is expected, we cannot guarantee privacy in group settings. Exercise discretion when sharing personal/sensitive information.

13. Disclaimers & No Guarantees

13.1 Educational Use Only. All Services are provided for educational/informational purposes and do not constitute legal, financial, medical, therapeutic, or professional advice.
13.2 No Earnings/Performance Guarantees. We do not guarantee specific results. Case studies/testimonials are illustrative; your results depend on your circumstances, skills, and market factors.
13.3 Assumption of Risk. You accept full responsibility for your actions and outcomes from applying materials or strategies.
13.4 Compliance. You are solely responsible for complying with laws/regulations in your jurisdiction.
13.5 Third‑Party Tools. We are not responsible for changes, outages, or enforcement actions by third‑party providers.
13.6 Release. To the fullest extent permitted by law, you release Rule Benders and its owners, officers, employees, contractors, and affiliates from liability for direct, indirect, incidental, consequential, or special damages, including loss of profits/data or business interruption, arising from use of our Services.

14. Limitation of Liability

14.1 Maximum Liability. To the fullest extent permitted by law, the total liability of Rule Benders and its affiliates for any claim relating to a specific Service shall not exceed the amount you actually paid for that Service.
14.2 Excluded Damages. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages (including lost revenue/profits/savings/goodwill; business interruption or delay; loss of data/use/opportunity; personal injury/emotional distress; or third‑party claims arising from your actions).
14.3 Third‑Party Platforms. Limitations relating to Third‑Party Platforms and integrations apply (see §8).
14.4 Force Majeure. We are not responsible for delays/failures caused by events outside our control (e.g., acts of God, disasters, public health emergencies, strikes, supply interruptions, war/terrorism, civil unrest, government action, or internet/communication failures).
14.5 Allocation of Risk. You agree these limitations are fundamental to this Agreement and apply even if any remedy fails its essential purpose.

15. Governing Law & Dispute Resolution

15.1 Governing Law. These Terms are governed by the laws of Cyprus, without regard to conflict‑of‑laws principles. EU/UK consumers may have additional mandatory protections in their country of residence.
15.2 Good‑Faith Resolution. In case of dispute, email info@rule-benders.com with a detailed description. The parties will attempt to resolve the matter in good faith.
15.3 Binding Arbitration. If unresolved, disputes will be submitted to final and binding arbitration administered by a recognized arbitration body in Cyprus under its commercial rules then in effect, before a single neutral arbitrator experienced in commercial contract disputes. The arbitration may permit remote participation by video conference. The award will be confidential, final, and binding, with limited appeal rights under applicable law.
15.4 Waiver of Class Actions & Jury Trials. To the extent permitted by law, disputes will be resolved only on an individual basis; both parties waive any right to bring or participate in a class, collective, or representative action and waive the right to a jury trial.
15.5 Small Claims Exception. Either party may bring an individual action in small claims court in Cyprus (or where permitted, in the consumer’s country of residence) for qualifying disputes.
15.6 Attorneys’ Fees. The prevailing party in any arbitration or proceeding to enforce this Agreement is entitled to reasonable attorneys’ fees and costs, except where prohibited by law.
15.7 Limitation of Claims. Any claim related to a Service must be filed within one (1) year after it arose or be forever barred, to the fullest extent allowed by law.

16. Amendments

16.1 Right to Modify. We may amend these Terms, the Privacy Policy, and any Addendum at any time to reflect changes in Services, pricing, features, legal requirements, security/operational needs, or to clarify/improve understanding.
16.2 Notice. For material changes (e.g., refund policy, dispute resolution, core obligations), we will notify you by email and/or with prominent notice in the platform or dashboard.
16.3 Effective Date & Acceptance. Changes are effective upon posting unless stated otherwise. Continued use after notice constitutes acceptance. If you do not agree, your remedy is to discontinue use and request cancellation per the relevant Addendum.
16.4 Version Control. We may maintain an archive of prior Terms. The version in effect at the time of your purchase or most recent renewal applies unless a change must take immediate effect by law.

17. Contact & Support

17.1 Primary Channel. All program‑related inquiries, support requests, and account issues must be submitted in writing to info@rule-benders.com to ensure proper tracking and timely response.
17.2 Response Times. We aim to respond to most inquiries within two to three business days (excluding weekends and Cyprus public holidays). Complex issues may require more time.
17.3 Client Responsibilities. You are responsible for: (a) monitoring the email attached to your account; (b) providing requested documentation or access credentials promptly; and (c) notifying us in advance if you anticipate delays in responding.
17.4 Support Limits. We are not responsible for missed deadlines, bonuses, or expirations caused by delayed client communication or incomplete deliverables; access issues due to outdated/unsupported devices, browsers, or connectivity; or issues resulting from third‑party outages/policy changes.
17.5 Scope. Standard support includes help accessing purchased Services, navigation, and clarifying timelines/policies. Support does not include business coaching, strategic consulting, or unrelated technical troubleshooting unless expressly included in your tier.

18. Low‑Ticket Offers (LTOs)

18.1 Definition. “Low‑Ticket Offers” are digital products, courses, templates, workshops, or bundles with a retail price under $500 USD, as listed on our site from time to time.
18.2 All Sales Final. LTO purchases are final and non‑refundable. These products are delivered instantly or within a short time after payment.
18.3 License & Restrictions. Purchases grant a single, non‑transferable license for one individual. Content may not be shared, resold, reproduced, distributed, or used for client delivery without written consent. Bulk/corporate licensing requires a separate agreement.
18.4 No Live Coaching/Private Support. Unless explicitly stated at checkout, LTOs do not include live coaching, personalized feedback, private consulting, or community access.
18.5 Platform Dependency. Some LTOs may require Third‑Party Platforms (e.g., ManyChat, Meta, Google Drive). We are not responsible for outages, policy changes, or access restrictions. You must comply with platform terms.
18.6 Compliance. You are responsible for lawful use (e.g., GDPR/UK GDPR, PECR/ePrivacy, CAN‑SPAM, FTC/ASA rules). Prohibited uses include spam, scraping, and unauthorized data harvesting.
18.7 AI Disclaimer. Some LTOs may include AI prompts/outputs/automations. Outputs are suggestions and require your review; we make no warranty as to their accuracy, legality, or suitability.
18.8 Modifications/Termination. We may update, modify, or remove LTO content without prior notice, provided purchased materials remain accessible for the stated access term. Access may be revoked without refund if you violate these Terms or applicable laws.

19. Acceptance & Electronic Signature

By completing a purchase, checking any box indicating agreement, or accessing any Services, you: (a) acknowledge you have read, understood, and agree to be bound by these Master Terms and any applicable Addendum; (b) consent to enter into this Agreement electronically with the same legal effect as a handwritten signature; (c) affirm you are at least 18 and have legal capacity; (d) understand continued access constitutes ongoing acceptance of the then‑current Terms; and (e) agree disputes will be resolved per §15.

20. Miscellaneous

20.1 Severability. If any provision is held invalid/unenforceable, the remaining provisions remain in full force.
20.2 Entire Agreement. These Master Terms and applicable Addenda constitute the entire agreement, superseding prior discussions or understandings.
20.3 Assignment. You may not assign or transfer your rights without our written consent. We may assign our rights to an affiliate or successor.
20.4 No Waiver. Failure to enforce a provision is not a waiver of the right to enforce it later.
20.5 Interpretation. Headings are for convenience only and do not affect interpretation.
20.6 Survival. Provisions by their nature (e.g., IP, licenses, payments, confidentiality, disclaimers, limitations, dispute resolution) survive termination.
20.7 Export/Use Restrictions. You warrant compliance with applicable export control and sanctions laws.
20.8 Territorial Restrictions. Access to Services may not be lawful in certain jurisdictions; you access at your own risk and are responsible for compliance.

Privacy Policy

Last updated: 16/08/2025
Contact: info@rule-benders.com

This Privacy Policy explains how Rule Benders collects, uses, shares, and safeguards personal data.

1. Data We Collect

1.1 Personal Data: Name, email, billing address, transaction records, and communications when you purchase or contact us.
1.2 Technical/Usage Data: IP address, device/browser, pages viewed, time on site, referral sources, cookies/pixels/analytics identifiers.
1.3 Program Data: Progress, submissions, community posts, call attendance, and support interactions.
1.4 Marketing Preferences: Opt‑in/opt‑out status for email/SMS; lead source tags.
1.5 Payment Data: Processed securely by our payment providers (e.g., Paddle, SamCart, Stripe/PayPal). We do not store full card numbers.

2. Lawful Bases (GDPR/UK GDPR)

• Contract: To deliver Services you purchase.
  
  
• Legal Obligation: Tax/audit, fraud prevention, compliance.
  
  
• Legitimate Interests: Service improvement, analytics, security, direct marketing to customers (balanced against your rights).
  
  
• Consent: For optional communications and certain cookies where required; you may withdraw consent at any time.
  
  

3. How We Use Data

• Process orders, deliver content, and provide support.
  
  
• Personalize experiences, recommend relevant content, and improve Services.
  
  
• Send transactional messages and (with consent or lawful basis) marketing communications.
  
  
• Maintain security, prevent fraud/abuse, and enforce our Terms.
  
  
• Comply with legal/regulatory requirements.
  
  

4. Sharing & International Transfers

• Processors/Providers: Paddle, SamCart, Stripe/PayPal, LearnWorlds/Kajabi, ActiveCampaign, ManyChat, Zoom, Slack/Circle, Google Drive, Vimeo, Meta, analytics/cookie providers, and AI vendors.
  
  
• No Sale of Personal Data. We do not sell personal data.
  
  
• Legal Disclosures: We may disclose where required by law or lawful authorities.
  
  
• International Transfers: Data may be transferred outside your jurisdiction (including the EEA/UK to the US). We use appropriate safeguards where required (e.g., SCCs or equivalent).
  
  

5. Retention & Security

• We retain data only as long as necessary for the purposes set out above and legal requirements.
  
  
• We apply technical and organizational measures proportionate to risk (e.g., encryption in transit, access controls, least‑privilege policies).
  
  
• You are responsible for keeping your credentials secure and using supported devices/browsers.
  
  

6. Your Rights (EU/UK)

• Access, Rectification, Erasure (“right to be forgotten”), Restriction, Objection, Portability, and Withdraw Consent.
  
  
• Marketing Opt‑Out: Use unsubscribe links or email us.
  
  
• Complaints: You may lodge a complaint with your local supervisory authority.
  
  
• To exercise rights, email info@rule-benders.com. We may require identity verification.
  
  

7. Cookies & Tracking

• We use cookies, pixels, and similar technologies for functionality, analytics, and marketing (including retargeting).
  
  
• Where required, we will request consent via a cookie banner and honor your preferences.
  
  
• You can control cookies in your browser; disabling may impact functionality.
  
  

8. Children

• Our Services are not intended for children under 18. We do not knowingly collect children’s data.
  
  

9. Changes to this Policy

• We may update this Policy; material changes will be notified via email and/or site notice. Continued use indicates acceptance of the updated Policy.
  
  

Refund Policy

Last updated: 16/08/2025
Contact: info@rule-benders.com

1. General

• Unless stated otherwise in an Addendum, purchases are eligible for a 14‑day refund window from purchase.
  
  
• Requests must be made in writing to info@rule-benders.com within 14 days.
  
  
• Approved refunds are processed to the original payment method within 5–10 business days after approval.
  
  

2. Exceptions & Conditions

• Digital Content: If you request or receive immediate access/download, you waive the 14‑day cancellation right once accessed.
  
  
• Coaching/Live Services: Fees for completed sessions are non‑refundable.
  
  
• Conditional Guarantees: Where offered, all criteria must be met (e.g., proof of work/attendance) by stated deadlines.
  
  
• After 14 Days: All sales are final.
  
  

Product Addenda (Templates)

Relationship to Master Terms. Each Addendum is incorporated into and governed by the Master Terms. Where an Addendum expressly differs, the Addendum controls for that Service.

A. Mastermind / High‑Touch Program Addendum (Template)

1. Program Overview. A high‑touch mastermind experience designed to provide business/leadership coaching, peer accountability, curated resources, and a private community. Participation requires adherence to the Community Standards (§12 Master Terms).
   2. Payment Options (Examples). Paid‑in‑Full; 6‑Month Plan; 12‑Month Plan (insert current amounts).
   3. Payment Obligations. You are responsible for the full amount regardless of participation. Recurring charges authorized upon enrollment. Late/failed payments may result in suspension without refund.
   4. Cancellation. Due to the limited‑capacity nature, cancellations are not permitted after enrollment. You are committing to the full term and payment obligation. Exceptions only for life‑threatening situations affecting you or the coaching team; any unused fees may be refunded at Rule Benders’ sole discretion.
   5. Confidentiality. Coaches will not disclose proprietary information you share, except as required by law or professional supervision in anonymized form. You agree not to share participants’ information or Rule Benders’ proprietary materials without consent.
   6. Refund Policy. All sales are final except any conditional guarantee expressly offered at checkout.
   7. Testimonials/Recordings. As per Master Terms §11.
   8. Conduct & Removal. As per Master Terms §12; disruptive behavior may result in removal without refund.
   9. IP & License. As per Master Terms §4.
   10. Indemnification. You agree to indemnify Rule Benders for claims arising from your use/misuse, breach, or violations of law/third‑party rights.
   11. Disputes/Governing Law. As per Master Terms §15.
   12. Limitation of Claims. Any claim must be filed within one (1) year of accrual.

B. Membership (Subscription) Addendum (Template)

1. Overview. Subscription program providing educational resources, group calls, and community access (deliverables listed at checkout; subject to change).
   2. Pricing & Auto‑Renewal. Monthly and/or annual plans billed automatically; promotional rates may apply at enrollment.
   3. Cancellation. Email info@rule-benders.com with subject “MEMBERSHIP CANCELLATION,” including your name and purchase email. Requests made >24 hours before renewal take effect before the next billing; otherwise, the next period will be charged and access continues through that paid period.
   4. Payment Failures. Overdue accounts may be paused; accounts overdue >60 days may be terminated and must re‑enroll at the then‑current rate.
   5. Refunds. All sales final except any first‑purchase conditional guarantee expressly stated at checkout (e.g., 30‑day conditional guarantee with proof of participation).
   6. Technology Requirements & Sharing. You are responsible for having suitable devices/internet. Account sharing is prohibited; only one member receives group access/communications per license.
   7. IP/Use. As per Master Terms §4.
   8. Disclaimers/Indemnity/Governing Law. As per Master Terms.

C. Cohort Course (Live) Addendum (Template)

1. Overview. A live, scheduled cohort (e.g., 8–12 weeks) including video modules, live coaching calls, office hours, implementation weeks (at Rule Benders’ discretion), and stated bonuses (if any). Participation requires adherence to Community Standards.
   2. Pricing Options (Examples). Paid‑in‑Full; 6‑Payment Plan; 12‑Payment Plan (insert amounts).
   3. Billing & Late Payments. Recurring installments charged monthly on/around the same date. If a payment fails, you must cure within six (6) days or incur a reasonable late fee (insert amount) and risk suspension. Stopping participation does not cancel your payment obligation. Unpaid balances may be referred to collections.
   4. Review/Certification Timing (If Applicable). Certain reviews or certifications may unlock after a specific number of successful payments (insert schedule).
   5. Early Pay Option (If Offered). At Rule Benders’ discretion, you may be offered an early pay‑in‑full option at a stated rate; such offers are optional.
   6. Access & Delivery. Core curriculum is released over the cohort duration, including any implementation weeks set at our discretion. “Lifetime access” refers to ongoing access to original course materials for as long as the course exists on our platform; it does not include future cohorts, new live sessions, or newly created content unless stated.
   7. Cancellation. Not permitted after enrollment; you remain responsible for all amounts due.
   8. Refund Policy (Conditional Guarantee, if any). If offered, a conditional guarantee may allow a refund within a stated window (e.g., 14–30 days) upon proof of completed work/attendance and a timely request. After that window, all sales are final.
   9. Conduct/Removal; Testimonials; IP. As per Master Terms.
   10. Indemnification; Disputes; Limitation of Claims. As per Master Terms.

D. Self‑Paced Course (DIY) Addendum (Template)

1. Overview. Self‑paced access to core training modules, replays (if applicable), and downloadable resources. No live coaching, office hours, or private community access unless expressly included at purchase.
   2. Pricing & Plans. Paid‑in‑full or short payment plans (insert amounts).
   3. Payment Plan Access. If you enroll on a payment plan, content may be drip‑released aligned to payment completion at Rule Benders’ discretion.
   4. Access Duration. Lifetime access to the program means for as long as Rule Benders continues to offer and maintain it in the current format/location.
   5. Cancellation & Refunds. All sales final unless a conditional guarantee is expressly offered at checkout; if offered, any requested “all content upfront” before the guarantee window closes may waive refund rights.
   6. IP/Use; Disclaimers; Indemnification; Disputes. As per Master Terms.

E. AI Assistants & Tools Addendum (Template)

1. Product Overview. Proprietary AI‑powered assistants and/or prompt packs trained on/derived from Rule Benders IP to assist with strategy, funnel building, optimization, content creation, data analysis, and related workflows.
   2. Platform & Availability. Hosted on Third‑Party AI infrastructure (e.g., OpenAI). We make no guarantee of uninterrupted service. Platform changes or provider decisions may impact access. If a provider discontinues service, Rule Benders may sunset the product without replacement or refund.
   3. Payment Terms. Launch pricing and models (e.g., one‑time fee or subscription) are stated at checkout. Payment must be completed prior to access.
   4. Access Duration. If “lifetime access” is stated, it means for as long as Rule Benders continues to offer and maintain the product in its current format/location.
   5. Cancellation & Refunds. Due to immediate access to proprietary content, all sales are typically final unless a conditional guarantee is expressly stated.
   6. Confidentiality & License. All prompts, templates, frameworks, strategies, and AI outputs remain Rule Benders IP. License is limited, revocable, non‑transferable, and for personal/internal business use only. You may not reproduce, share, license, train other AI tools on, or use this content in any product/service without written permission. No certification or authorization to teach/commercialize is granted.
   7. Disclaimers; Indemnification; Disputes. As per Master Terms.

F. A‑La‑Carte Reviews / Alumni Options Addendum (Template)

1. Eligibility & Fees. Available to alumni or as stated at checkout (insert current fee).
   2. Scope. One structured review of submitted materials with feedback on strategy, structure, messaging, and/or offer alignment. Not personalized consulting or legal advice; no outcome guarantees.
   3. Delivery. Within a stated period (e.g., 10–14 business days) after complete submission.
   4. Refunds. Fee is non‑refundable.
   5. IP/Use. Feedback is for your personal business use only; do not share or resell without permission.
   6. Liability Cap. Total liability limited to the amount paid for the standalone review; no consequential/special damages.
   7. Disputes/Governing Law. As per Master Terms.