Insightful Foundation Terms and Conditions

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE, AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS, INCLUDING, BUT NOT LIMITED TO, WAIVERS OF RIGHTS, DISPUTE RESOLUTION, LIMITATION OF LIABILITY, AND YOUR INDEMNITY TO US.

This Terms and Conditions Agreement ("Agreement") is between Insightful Foundation, located in San Francisco, California, U.S.A. ("Provider"), and the undersigned Client ("Client") for Strategic Intuitive Intelligence services ("Services").

You agree that by scheduling paid or unpaid services with the "Provider" you are deemed a "Client."

You agree to the following "Terms and Conditions" outlined here.

You expressly understand and agree that by scheduling paid or unpaid "Services," you are deemed a "Client" and agree to the following "Terms of Use" outlined here.

You agree that the information provided through our "Services" and in other Insightful Foundation materials, including, but not limited to, information provided in email newsletters, calendars, Zoom meetings, and videos, otherwise known as ""Sites"," is not intended to be a substitute for any professional advice, including, but not limited to:

(a) professional medical advice, diagnosis, or treatment

(b) professional financial or investment advice or guidance

You agree to never disregard or delay seeking professional medical or other professional advice because of something you have read on the "Sites" or information received through our "Services."

You agree that the "Provider" is not engaged in practicing medicine or law and does not recommend or endorse any specific products, procedures, treatments, medications, opinions, or other information that may be mentioned, discussed, or described on the "Sites" in Insightful Foundation materials, or through our "Services."

You agree that the "Provider" is not engaged in providing financial or investment advice, and its employees and contractors are not registered financial advisors.

You agree that your reliance on the information provided by the "Provider," by an Insightful Foundation employee or contractor, by a third-party moderator, by Insightful Foundation sponsors, or by other users of the "Sites" or "Services" is solely at your election or choice.

You agree that decisions based in whole or in part upon information provided by the "Provider," its employees, its contractors, its sponsors, or otherwise available on the "Sites" are your sole and exclusive responsibility.

ACCEPTANCE PROCEDURE

Your use of the "Services" and the Insightful Foundation website (www.Insightful.Foundation) and applications (collectively, the "Sites"), including, without limitation, all content, scheduling site, Zoom, information, text, questions, comments, videos, ideas, graphics, images, tools, and software programs contained in the "Sites" and related materials, is governed by these terms and conditions of use ("Terms and Conditions"), and is subject to arbitration (as set forth below).

You agree and accept that by visiting and using the "Sites" or "Services," you acknowledge that you have read the Terms of Use and accept and agree, without limitation or qualification, to be bound by them.

You agree that Insightful Foundation reserves the right, at its sole discretion, to change these Terms of Use from time to time, and your continued access to and use of the "Sites" and/or Services will be deemed your acceptance of and Agreement to any such changed terms and conditions.

If you do not wish to be bound to these Terms of Use (or any revisions to these Terms of Use), you must discontinue use of the "Sites" and the Services

and immediately.

By engaging in Services, the you agrees to the following terms:

Nature of Services: The "Provider" offers Strategic Intuitive Intelligence to enhance decision-making. The Client agrees that the Provider's advice is medical, financial, or legal advice.
Payment Terms: The Client agrees to pay in full before receiving any Services. Accepted payment methods include bank transfer, credit card, or other methods specified by the Provider.
Gift Certificates: Gift certificates expire after 90 days. Redemption of Gift Certificates are subject to very limited availability.
Cancellation and Refund Policy: The Client agrees to cancel Services with at least 48 hours advance notice for a refund for a session the Client has scheduled with the Provider. The Client agrees that the Provider will not refund the Client in any amount for any cancellations with less than 48 hours notice or for any other reason, including non-attendance or dissatisfaction. The Client agrees that the Provider will not provide a credit to the Client in any amount for any cancellations with less than 48 hours notice or for any other reason, including non-attendance or dissatisfaction.
Non-Transferable Services: The Client agrees that Services are exclusive to the Client and that the Provider will not transfer Services to another person or business.
Confidentiality: The Client agrees that meetings are confidential and that the Provider is not liable for illegal cybersecurity breaches that may compromise confidentiality despite reasonable safeguards.
Disaster Clause: The Client agrees that if an act of God (e.g., earthquake, flood, or other uncontrollable event) prevents a session, the Provider may cancel without liability. At the Provider's discretion, the Client will be offered a rescheduled session or credit for a future session. The Client agrees that the "Provider" will not issue a refund under the Disaster Clause.
Mediation Clause: The Client agrees that disputes arising from this Agreement will be resolved through mediation in San Francisco, California, before legal action. The Client agrees that both parties agree to mediate in good faith, sharing costs equally.
No Refunds: The Client agrees that no refunds are provided for any reason except as noted in the cancellation policy (48 hours' notice).
Governing Law: The Client agrees that this Agreement is governed by California law. Any legal action must be filed in San Francisco, California.
Hold Harmless: The Client agrees to hold the Provider, its owner, and affiliates harmless from any liability, claims, or damages arising from using Strategic Intuitive Intelligence services, as these services are intuitive and not guaranteed to produce specific outcomes.

RECORDING AND RETENTION OF SESSIONS

You agree that the “Provider” will not use any audio recording or retention devices/technology in connection with "Services."

You agree NOT to make any recordings, copies, scans, or transcriptions of "Services," including "Services" by phone, chat, or direct message, without the prior written consent of the "Provider."

You agree, acknowledge, and agree that the "Provider" may record chat and direct message "Services."

You agree that although the "Provider" may provide you with access to recordings of your chat and direct message "Services," you acknowledge and agree that, at any time at its discretion, the "Provider" may (i) delete such recordings and/or (ii) terminate your access to such recordings.

You agree that a recording of your "Services" can not be guaranteed because of technology failure.

REFUSAL OF SERVICES

You agree that the "Provider" reserves the right to refuse the provision of "Services" to any person for any reason and at any time.

You agree that the "Provider" reserves the right to pursue legal action against anyone who commits fraud or otherwise violates applicable laws on our "Sites" or using our "Services."

You agree that the "Provider" reserves the right to terminate the provision of "Services" at any time if the reader deems a customer's comments and/or behavior inappropriate, abusive, or threatening.

You agree that the "Provider" will report the termination to Customer Service, and such a customer may be denied future access to the "Sites" and/or Services. Any such report made by a reader to us shall not be deemed a violation of our Privacy Policy.

You agree that the "Provider" reserves the right to refuse "Services" to anyone for any reason and to pursue legal action against anyone who commits fraud or otherwise violates applicable laws on our "Sites" or using our Services.

GENERAL DISCLAIMER

You agree that no advice or information, whether oral or written, obtained by you from the "Provider" or its affiliates through the "Sites" or "Services" shall create any warranty, representation, or guarantee not expressly stated in these "Terms of Use & Conditions."

You agree that that "Provider" makes no warranty or representation that the availability or use of the "Sites" or "Services" will be uninterrupted or error-free.

You agree that the information provided on, from, or through the "Provider," its "Services," and the "Sites" is provided "as-is" and "as available," and all warranties, express or implied, are disclaimed (including, but not limited to, the disclaimer of any implied warranties of merchantability, fitness for a particular purpose, title and non-infringement).

You agree that the "Sites" and related information and "Services" may contain bugs, errors, problems, or other limitations.

You agree that the "Provider" and its affiliates have no liability whatsoever for your use of the "Sites" and "Services" and any such information or service.

DISCLAIMER – NO MONITORING OF USAGE

You agree that neither the "Provider" nor its affiliates have any responsibility or obligation to notify you of your accumulated charges or other expenses with us.

You agree that the time you spend with the "Provider" will be reflected in your charges and is solely at your election or choice.

You agree that the "Provider" does not monitor usage patterns and is under no obligation to any customer to take any action or to refrain from taking any action regarding usage of the "Sites" or 'Services."

LIMITATION OF LIABILITY

You expressly understand and agree that neither the "Provider" nor any of its directors, employees, shareholders, affiliates (including parent or subsidiary companies), agents, representatives, joint venture parties, independent contractors, third-party information providers, merchants, or licensors, "Parties" will be liable to you, in contract or tort, for any loss or damages, either actual or consequential, arising out of or relating to these Terms of Use & Conditions or to your (or any third party's) use or inability to use the "Sites" or the Services, or to your reliance upon any information.

In particular, "Parties" will have no liability for damages of any kind, including, without limitation, compensatory, consequential, direct, indirect, punitive, special, or incidental damages, whether foreseeable or unforeseeable (including, but not limited to, claims for defamation; errors; loss of data, income, or profit, loss or property damage; or interruption in the availability of data), arising out of or relating to these Terms of Use, your use or inability to use the "Sites" or the "Services," or to your reliance upon any information, whether based in verbal Agreement, contract, tort, statutory or other law, except only in the case of death or personal injury where, and only to the extent that, applicable law requires such liability.

You expressly understand and agree that remedies provided under these Terms of Use are exclusive and limited to those expressly provided for in these terms.

You expressly understand and agree that because some states or jurisdictions do not allow the exclusion or limitation of liability for consequential, incidental, or special damages or of implied warranties, in such states and jurisdictions, liability is limited to the greatest extent permitted by law.

You expressly understand and agree that the disclaimers and limitation of liability set forth herein are fundamental elements of the basis of the bargain between the "Provider" and you.

You expressly understand and agree that the "Sites" and the information provided therein and the "Services" would not be provided without such disclaimers and limitations.

THIRD-PARTY INFORMATION

You agree that any articles, email newsletters, videos, case studies, press clippings, or other third-party publications (collectively, "Publications") made available through the "Sites" are furnished by the "Provider" for your convenience and entertainment.

You agree that the "Provider" is a distributor (and not a publisher) of content supplied by third parties (including users).

You agree that any opinions, advice, statements, services, offers, or other information made available by third parties, including psychics, information providers, or any user of the "Sites", are those of the respective author(s) or publisher(s) and not of the "Provider" or its affiliates.

You agree that the "Provider" disclaims any representation, express or implied, that the information in such publications is accurate or complete.

RESTRICTIONS; COMPLIANCE WITH LAWS

You agree that your right to use the "Sites" and the "Services" is personal to you.

You agree that you are solely responsible for the contents of your transmissions through the "Sites" and that your use of the "Services "is subject to all applicable local, state, national, and international laws and regulations.

You agree the "Provider" using the "Sites" or the "Services," you agree:

not to use the "Sites" or the "Services" for illegal purposes
not to interfere with or disrupt networks connected to the "Sites"
to comply with all applicable regulations, laws, statutes, etc., regarding your use of the "Services," including, but not limited to, laws and regulations relating to the use of the "Sites" or the "Services" to send electronic mail
not to use the "Sites" or the "Services" to post or transmit any solicitation, advertising or promotional materials;
not to use the "Sites" or the "Service"s for the transmission of any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, or obscene material or communication of any kind or any nature;
not to use false identities or impersonate any person or your affiliation with any person or entity;
not to transmit any sexually explicit communications, photographs, or other materials;
not to transmit any files containing software viruses or other harmful computer code;
not to interfere with any other user's access to or use of the "Sites" or the "Services."
not to speak or act in a manner that the "Provider" considers inappropriate, abusive, or threatening.

You agree that, in its sole discretion, the "Provider" reserves the right to immediately terminate your access to and use of the "Sites" or the "Services," including your right to redeem any Insightful Foundation Gift Certificates, without the right to refund, for any violation of these Terms of Use & Conditions.

LINKS TO SPONSORS AND OTHER THIRD PARTY "Sites"

You agree that the "Sites" may contain hyperlinks to other "Sites" and webpages ("Third-Party Pages"), as well as to text, graphics, videos, images, music, sounds, and information belonging to or originating from other third parties (collectively, "Third-Party Applications").

You agree that the "Provider" does not investigate, monitor, or review any Third-Party Pages or Third-Party Applications to ensure accuracy, completeness, or appropriateness.

You agree that the "Provider" is not responsible for the Third-Party Pages or any Third-Party Applications accessed through the Site.

You agree that the "Provider" shall have no liability concerning any loss or damage incurred due to any dealings between you and any third party, or as a result of the presence of such third party on the "Sites", including hyperlinks to any Third-Party Pages or Third-Party Applications on the "Sites" does not indicate the "Provider"'s approval or endorsement thereof.

You agree that these links are provided solely for users' convenience or benefit.

You agree that your interactions with a third party on the ""Sites"," or based on such third party's participation or presence on the ""Sites"," are solely between you and the third party.

You agree that the "Provider" makes no representations or warranties concerning the content, ownership, or legality of any linked third-party website.

You agree that if you choose to leave the "Sites" to access any Third-Party Pages or Third-Party Applications, you do so at your own risk.

INTELLECTUAL PROPERTY RIGHTS; INAPPROPRIATE USE OF "Sites"

You agree that the content on or delivered through the "Sites", including, without limitation, all designs, text, messages, communications, documents, graphics, photographs, illustrations, trademarks, trade names, service marks, logos, information obtained from the "Providers" licensors, and other files or information ("Content"), and the selection and arrangement thereof, is proprietary property and protected by copyright, trademark, and other intellectual property laws under both United States and foreign laws.

You agree that the content not expressly permitted by these Terms of Use & Conditions is a breach of these Terms of Use & Conditions and may violate copyright, trademark, and other laws.

You agree that the “Provider” hereby authorizes you to view content for non-commercial personal use only.

You agree that you shall not record or otherwise copy any Content. Specifically, and without limiting the foregoing, you shall not use any audio recording or retention devices/technology in connection with Sessions, and you will not otherwise record, copy, scan, or transcribe Sessions, including Sessions by phone, chat, or direct message, without the prior written consent of the "Provider".

You agree that all rights not expressly granted herein are reserved to the "Provider" and its licensors.

You agree that, except as expressly provided above, you may not otherwise copy, display, download, distribute, modify, post, reproduce, republish, or retransmit any "Content" contained in the "Sites" or any portion thereof in any electronic medium or hard copy or create any derivative work based on such content, without the express written consent of the "Provider."

You agree that information no or statement contained in these Terms of Use & Conditions or the "Site"s shall be construed as conferring, directly or by implication, estoppel, or otherwise, any license or right under any patent, copyright, trademark, or other intellectual property right of the "Provider", its affiliates, or any third party.

You agree that you may not, without the "Provider"'s written permission, "mirror" any Content contained in the "Sites" or any other server. You may not use the "Sites" for any purpose that is unlawful or prohibited by these Terms of Use.

You may not use the "Sites" in any manner that could damage, disable, overburden, or impair the "Sites" or interfere with any other party's use and enjoyment of the "Sites". You may not attempt to gain unauthorized access to the "Sites" through hacking, password mining, or other means.

You agree that the "Provider" may, at our sole discretion, limit, restrict, or terminate the access and use of the "Sites" of any users at any time, for any reason, or no reason at all, without prior notice or any notice.

Information provided through our Services, on the "Sites", and in other Insightful Foundation materials, including, but not limited to, information provided in newsletters and Sessions, is for entertainment purposes only. Information from the "Provider" or its affiliates or their employees or contractors, including, but not limited to, the readers, is not intended to be a substitute for any professional advice, including, but not limited to, (a) professional medical advice, diagnosis, or treatment, (b) professional financial or investment advice or guidance, or (c) professional legal advice. Never disregard or delay seeking professional medical advice or other professional advice because of something you have read on the "Sites" or information received through our Services. The "Provider" is not engaged in the practice of medicine or law and does not recommend or endorse any specific products, procedures, treatments, medications, opinions, or other information that may be mentioned, discussed, or described on the "Sites" or in Insightful Foundation materials or through our Services. The "Provider" is not engaged in the business of providing financial or investment advice and its employees and contractors are not registered financial advisors. Your reliance on the information provided by the "Provider", by an Insightful Foundation employee or contractor, by a third-party moderator, by Insightful Foundation sponsors, or by other users of the "Sites" or Services is solely at your own election or choice. Any decisions you make that are based in whole or in part upon information provided by the "Provider", its employees, its contractors, or its sponsors, or otherwise available on the "Sites", will be your sole and exclusive responsibility.