TERMS AND CONDITIONS – DIGITAL COURSES
Effective Date: [Insert Date]
Business Name: Loren Hilder – Manifestation Coach

These Terms and Conditions ("Agreement") apply to your purchase and use of digital course content provided by Loren Hilder ("we," "us," "our"). By purchasing any course or accessing any course materials, you ("Customer," "you") agree to these terms.

1. Course Access and Delivery

• Digital courses are delivered online through our designated platform or via downloadable content.

• Access details will be provided upon successful payment.

2. Payment and Refund Policy

• Full payment is required at the time of purchase unless a payment plan has been explicitly offered and selected at checkout.

• If you choose a payment plan, you agree to make all scheduled payments in full and on time, regardless of your level of course participation.

• Missed or failed payments may result in:
  • Suspension of course access until payment is received.
  • Additional administrative or late fees.
  • Referral to a collections agency if payments remain outstanding.

• All sales are final. No refunds will be issued for digital products once access has been granted, due to the nature of instant access to intellectual property.

• By enrolling in a payment plan, you authorize us (or our payment processor) to charge your chosen payment method automatically on the scheduled dates.

3. Use License

• Upon purchase, you are granted a non-transferable, non-exclusive, limited license to access and use the course content for personal use only.

• You may not:
  • Share, resell, or redistribute course content
  • Use course materials for commercial purposes
  • Copy, reproduce, or modify content for other platforms or public use

4. Intellectual Property

• All course materials—including but not limited to videos, audio, PDFs, workbooks, and written content—are the sole intellectual property of Loren Hilder.

• Unauthorized use, reproduction, or distribution is strictly prohibited and may result in legal action.

5. No Guarantees or Results

• Loren Hilder makes no guarantees of specific results from course participation.

• Your success depends on your own effort, commitment, and follow-through.

6. Disclaimer

• Digital courses are for educational and informational purposes only.

• The content provided is not a substitute for professional medical, psychological, or financial advice.

• You are solely responsible for how you use the information.

7. Confidentiality

• While we do not collect personal details within the course platform, any information shared voluntarily within associated communities (e.g., private groups, comment sections) is done at your discretion.

• We are not liable for breaches of confidentiality in community-based platforms or third-party services.

8. Privacy Policy

• We are committed to protecting your privacy.

• When you purchase a course or communicate with us, we may collect personal information such as your name, email address, and payment details for the purpose of fulfilling your order and providing support.

• Your personal information will never be sold, shared, or disclosed to third parties, except as necessary to process payments or comply with legal obligations.

• We use secure third-party platforms (e.g., payment processors, course hosting platforms) that meet industry standards for data protection.

• You may request access to, or deletion of, your personal data at any time by contacting us directly.

9. Technical Requirements

• It is your responsibility to ensure you have the necessary devices, internet connection, and software to access the course.

• We are not responsible for any issues caused by your technology limitations.

10. Governing Law

• These Terms shall be governed by and construed in accordance with the laws of Australia.

• Any disputes will be resolved in the courts of Australia.

11. Updates and Changes

• We reserve the right to update or change these Terms at any time. Continued use of the course materials constitutes acceptance of any changes.

📜 Client Agreement – Digital Course Enrollment

By completing your purchase, you (“Client”) agree to the following:

• You are purchasing access to a digital course created by Loren Hilder – Manifestation Coach for educational and informational purposes only.

• Payment is due in full at checkout, unless a payment plan is selected. You agree to complete all payments. No refunds are offered.

• You receive a non-exclusive, non-transferable license to access the course for your personal use only. You may not share, resell, or distribute the content.

• Course results are not guaranteed. You are responsible for your own learning and results.

• Your personal information is protected according to our privacy policy.

• Access may be suspended if payments fail or if you breach this agreement.

• This agreement is governed by the laws of Australia.

✅ By purchasing, you confirm that you have read and agree to this Client Agreement.