Terms of Use.

Effective Date: January 2, 2025

Last Updated: January 2, 2025

Welcome to Reggie Whitley & Co., doing business as Visionary Brand Coach ("VBC," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website, services, digital products, and any content we provide.

By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our website or services.

I. Acceptance of Terms

By using our website, purchasing our products, or enrolling in our programs, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our website or services after any modifications constitutes your acceptance of the updated Terms.

II. Eligibility

You must be at least 18 years of age to use our website or services. By using our website or services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

III. Use of Our Website

A. Permitted Use

You may use our website for lawful purposes only and in accordance with these Terms. You agree not to:

- Violate any applicable laws or regulations

- Infringe on the intellectual property rights of others

- Upload, post, or transmit any harmful, offensive, or unlawful content

- Interfere with or disrupt the operation of our website or servers

- Use our website to distribute spam, malware, or other malicious code

- Attempt to gain unauthorized access to our website, systems, or user accounts

- Use automated systems (bots, scrapers, etc.) to access our website without permission

B. Account Security

If you create an account on our website, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

IV. Intellectual Property

A. Ownership

All content on our website, including but not limited to text, graphics, logos, images, videos, audio, software, and course materials, is the property of Reggie Whitley & Co. or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

B. Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website and purchased digital products for your personal, non-commercial use only. You may not:

- Copy, reproduce, distribute, or publicly display our content without permission

- Modify, adapt, or create derivative works from our content

- Use our content for any commercial purpose without written authorization

- Remove or alter any copyright, trademark, or other proprietary notices

C. User-Generated Content

If you upload, submit, or post any content to our website (including photos, videos, testimonials, or comments), you:

- Represent that you own or have the necessary rights to submit such content

- Grant us a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish, and distribute your content for any purpose

- Agree to indemnify us against any third-party claims related to your submitted content

V. Digital Products and Services

A. Types of Offerings

We offer various digital products and services, including but not limited to:

- Online courses and programs

- Downloadable workbooks, templates, and guides

- Digital journals and planners

- Workshops and group coaching sessions

- One-on-one coaching programs (subject to separate service agreements)

B. Access to Digital Products

When you purchase a digital product with "lifetime access," this means:

- Access for the lifetime of the product (as long as the product exists and is supported)

- Access is subject to our continued operation and platform availability

- We reserve the right to update, modify, or discontinue products with reasonable notice

- "Lifetime access" does not guarantee perpetual availability if we cease operations or the hosting platform is discontinued

C. Usage Restrictions for Digital Products

You may NOT:

- Share your login credentials or course access with others

- Download and redistribute our content to others

- Resell, republish, or repurpose our content for commercial use

- Use our templates, workbooks, or materials as your own branded products

- Record, screenshot, or reproduce course materials for distribution

Violation of these restrictions may result in immediate termination of your access without refund.

D. Coaching Programs and Service Agreements

Certain coaching programs may require separate service agreements with additional terms. Those program-specific agreements will govern the coaching relationship and take precedence over these general Terms in the event of a conflict.

VI. Payment and Billing

A. Accepted Payment Methods

We accept the following forms of payment:

- Credit and debit cards (Visa, Mastercard, Discover, American Express)

- PayPal

- Apple Pay

- Google Pay

- Cash App Pay

- Amazon Pay

- Afterpay/Clearpay

- Klarna

- Bank redirects (for international payments)

B. Payment Processing

All payments are processed securely through our third-party payment processor, Stripe, or other authorized payment platforms. By providing payment information, you authorize us to charge the applicable fees to your chosen payment method.

C. Pricing

All prices are listed in U.S. dollars (USD) and are subject to change without notice. We reserve the right to modify pricing for our products and services at any time.

D. Sales Tax

We collect and remit sales tax as required by applicable state and local laws. Sales tax will be calculated and added to your purchase at checkout where applicable.

VII. Refund and Cancellation Policy

A. Digital Products

All sales of digital products, including courses, templates, journals, and downloadable materials, are final. Due to the nature of digital products, we do not offer refunds once access has been granted or materials have been downloaded.

B. Workshops and Events

Registration fees for workshops, webinars, and live events are non-refundable. If you are unable to attend, we may offer access to a recording or reschedule your attendance at our discretion, but we are not obligated to do so.

C. Physical Products

Sales of physical products (journals, planners, etc.) are final once shipped. We do not accept returns or offer refunds on physical products unless the item arrives damaged or defective. In such cases, please contact us within 7 days of receipt at [email protected].

D. Coaching Programs

Refund and cancellation policies for coaching programs are outlined in the separate service agreement for that program.

E. Order Cancellations

Once an order is placed and payment is processed, it cannot be cancelled or modified.

VIII. Disclaimers

A. No Guarantees of Results

Our services, programs, and products are educational and informational in nature. We do not guarantee any specific results, income, or business outcomes from using our products or services. Your success depends on many factors, including your effort, commitment, market conditions, and individual circumstances.

B. Not Professional Advice

The information and guidance provided through our website, courses, and coaching services are for educational purposes only and do not constitute legal, financial, accounting, tax, or other professional advice. You should consult with appropriate licensed professionals for advice specific to your situation.

C. No Warranties

Our website, services, and products are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

- Warranties of merchantability or fitness for a particular purpose

- Warranties of accuracy, reliability, or completeness of content

- Warranties that our website will be uninterrupted, secure, or error-free

IX. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, REGGIE WHITLEY & CO. AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO:

- Your use of or inability to use our website, services, or products

- Any errors, omissions, or inaccuracies in our content

- Unauthorized access to or alteration of your data or communications

- Any third-party content, services, or conduct

- Any other matter relating to our website or services

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

X. Indemnification

You agree to indemnify, defend, and hold harmless Reggie Whitley & Co., its affiliates, officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

- Your use of our website or services

- Your violation of these Terms

- Your violation of any third-party rights

- Any content you submit or post to our website

XI. Third-Party Links and Services

Our website may contain links to third-party websites, services, or applications. We are not responsible for the content, privacy practices, or terms of use of any third-party sites or services. We do not endorse or make any representations about third-party websites.

When you click on a third-party link, you do so at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

XII. Copyright Infringement Claims

If you believe that content on our website infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (DMCA) to our designated Copyright Agent.

Your notice must include:

- A physical or electronic signature of the copyright owner or authorized representative

- Identification of the copyrighted work claimed to have been infringed

- Identification of the infringing material and its location on our website

- Your contact information (name, address, phone number, email)

- A statement that you have a good faith belief that the use is not authorized

- A statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner

Send DMCA notices to:

Reggie Whitley & Co.

Email: [email protected]

XIII. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Mississippi, without regard to its conflict of law principles.

Any disputes arising out of or relating to these Terms or your use of our website or services shall be resolved exclusively in the state or federal courts located in Mississippi. You consent to the personal jurisdiction and venue of such courts.

This Privacy Policy was last updated on January 2, 2025.

XIV. Termination

We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause, and with or without notice, for any reason, including but not limited to:

- Violation of these Terms

- Fraudulent, abusive, or unlawful activity

- Non-payment of fees

- Breach of any agreement with us