Please review these Terms of Use carefully before buying, accessing, or utilizing any of our Programs, Products, and Services. Our Programs, Products, and Services are operated and owned by Karma Life Insurance (“Company,” “we,” or “us”). "You" refers to anyone purchasing or using our Programs, Products, and/or Services.
These Terms of Use specify how you can use our Programs, Products, and Services, along with their materials and content. Please read them attentively as they may change periodically.
By using any of our Programs, Products, and Services, you agree to these Terms of Use, whether or not you have read them, and are legally bound by them. If you disagree with these terms, please refrain from using our Programs, Products, and Services.
These Terms of Use necessitate resolving disputes through individual arbitration instead of jury trials, limiting available remedies. By using our Programs, Products, Services, and Materials, you're voluntarily waiving certain legal rights.
NOTE: If you've purchased any of our products through a payment plan, you must complete all payments. Failure to do so may result in sending payment defaults to a collections agency, potentially impacting your credit score.
Use and Consent
By choosing to purchase or use any of our Programs, Products, or Services, you are acknowledging your agreement to comply with these Terms of Use, as well as our Refund Policy and Privacy Policy, along with any other applicable terms and conditions. It is essential that you adhere to these guidelines. Your interaction with our Programs, Products, Services, or Program Materials in any capacity signifies your acceptance of these Terms of Use.
Regarding refunds, you may request one within 14 days of purchase, provided you have completed less than 25% of the program material. Please note that any refund issued will be deducted by the fees charged by our merchant account for processing your payment; these fees will not be returned to you.
All of our Programs, Products, Services, and Program Materials are designed for individuals aged eighteen (18) years and older. Any use, registration, or access by individuals under the age of 18 is not permitted and constitutes a violation of these Terms of Use. By accessing or utilizing our Programs, Products, or Services, you confirm and guarantee that you are at least 18 years of age.
Intellectual Property Rights
Our Permission to You. Our Programs, Products, and Services, along with all associated materials, are owned by us or our partners and are legally protected.
The content within our Programs, Products, and Services belongs to us or is licensed to us, unless stated otherwise. This includes the design, appearance, and any other materials provided. You are only allowed to use them for personal, non-commercial purposes as outlined in these Terms of Use.
When you purchase or access our Program Materials, you're granted a limited license for personal use. This means you cannot use them in a way that infringes on our rights or without our authorization.
You may download or print Program Materials for your own use, but you cannot share, sell, or republish them for commercial purposes. Any trademarks or logos are our property and cannot be used without permission.
Things You Can't Share
You acknowledge that our Programs, Products, and Services, along with the associated materials, are valuable assets developed by us. You agree not to:
- Copy, share, or misuse our Programs, Products, or Services.
- Present our materials as your own.
- Use our materials in ways not permitted by us.
- Distribute our materials to others for their use or profit.
- Violate our intellectual property rights by using our materials without permission.
- Engaging in unauthorized use or sharing of our materials is considered theft, and we reserve the right to take legal action.
You understand that improper use may result in civil or criminal consequences.
Limitations on Linking and Framing.
You're permitted to create a hypertext link to our Website or Content, provided that the link doesn't suggest any sponsorship, endorsement, or ownership by us. Furthermore, the link must not imply that we have sponsored, endorsed, or hold ownership rights in your website. However, framing or inline linking of our Content requires our written permission.
Your License to Us. By posting or submitting any material through our Programs, Products, Services, or Program Materials, such as comments, posts, photos, images, or videos, you confirm that you own all such materials and are at least 18 years old.
When you submit or post any content for use on our Website, you grant us and anyone authorized by us an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose. This includes the right to use or exploit proprietary or intellectual property rights, such as copyright, trademark, service mark, trade secrets, patent rights, or any other intellectual property rights under any relevant jurisdiction, without further permission or compensation from you.
You also authorize us and anyone authorized by us to identify you as the author of any of your contributions by name, email address, or screen name. You acknowledge that we have the right, but not the obligation, to use and display any contributions from you and that we may choose to cease the use and display of any such contributions on our Programs, Products, Services, and/or Program Materials at any time and for any reason.
Media Release
By engaging in our Programs, Products, and Services, and utilizing our Program Materials, including our Facebook community, you agree to the possibility of being photographed, videotaped, and/or recorded, which may include your likeness, voice, and/or presence. We retain the sole discretion to utilize these photographs, videos, audio recordings, and/or any other materials you submit to us in relation to your participation in our Program, Product, or Services. This includes the right to incorporate such materials into our current or future Programs, Products, or Services, as well as our marketing or promotional endeavors, without any obligation to compensate you, either presently or in the future.
Permission to Use Content
If you wish to use any of our Programs, Products, Services, or Program Materials, either in whole or in part, or any other intellectual property or assets belonging to us ("Content"), you must request written permission prior to use. This can be done by completing the "Contact Us" form on our website or by emailing [email protected].
It's important to note that you are not permitted to utilize our Programs, Products, Services, or Program Materials in any manner that contradicts these Terms of Use unless you have received explicit written permission from us to do so.
Upon receiving permission from us, you agree to use the designated Content only in the ways specified in our written permission.
Should you opt to use the Content in ways for which we have not granted written permission, you acknowledge and consent to being treated as if you had unlawfully copied, duplicated, or misappropriated said Content from us. In such cases, you agree to promptly cease using the Content and to comply with any actions or requests we make to safeguard our intellectual property and ownership rights in our Programs, Products, Services, or Program Materials.
Security
When you apply for, enroll in, purchase, or use our Programs, Products, or Services, or Program Materials, we may request and collect personal data and information, including but not limited to your name, email address, phone number, billing information, credit card or payment information, demographic information, preferences, interests, or other personally identifying information ("Confidential Information").
By providing such Confidential Information to us, you grant us permission to use and store it securely. We will make every effort to ensure the safety, security, and confidentiality of your Confidential Information. Precautions are taken to protect this information. When you submit Confidential Information via our Program, Product, Service, or Program Materials, we implement security measures to safeguard it both online and offline.
However, due to the inherent risks of the internet, we cannot guarantee the complete security of your Confidential Information or any other data or information transmitted to us or through our services. Therefore, submitting Confidential Information, data, or other information is done at your own risk.
While we have security measures in place to prevent loss, misuse, and alteration of the information obtained from you, we cannot assure you of our ability to prevent such occurrences, nor can we guarantee the prevention of any loss, misuse, or alteration to you or any third party resulting from such events.
Personal Responsibility and Assumption of Risk
As a Licensee, you acknowledge that you are exercising your own judgment in using our Programs, Products, Services, and Program Materials, and that you do so at your own risk. Our Programs, Products, Services, and Program Materials are provided for informational and educational purposes only. You understand and agree that you assume all risks, and no results are guaranteed in any way related to our Programs, Products, Services, and Program Materials. These resources are designed to provide you with education and tools to assist you in making your own decisions. You are solely responsible for your actions, decisions, and results based on the use, misuse, or non-use of our Programs, Products, Services, and Program Materials.
While we take every precaution to protect our Programs, Products, Services, and Program Materials, we cannot guarantee the complete security of these resources or the contributions or information transmitted to us through our Website or our Programs, Products, Services, and Program Materials. Submitting contributions or information through our resources is entirely at your own risk. We make no assurances about our ability to prevent any loss or damage to you or any other person, company, or entity arising from the use of our Programs, Products, Services, and Program Materials, and you agree to assume such risks.
Disclaimer
Our Programs, Products, Services, and Program Materials are intended for informational and educational purposes only. To the fullest extent permitted by law, we explicitly disclaim any liability for any direct, indirect, or consequential loss or damage incurred by you or others in connection with our Programs, Products, Services, and Program Materials. This includes, but is not limited to, accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental illness, emotional or spiritual injury, loss of income or revenue, loss of business, loss of contracts, anticipated savings, loss of data, loss of goodwill, and wasted time, regardless of whether such loss or damage is caused by negligence, breach of contract, or otherwise, even if foreseeable. You acknowledge and agree that we are not liable for any defamatory, offensive, or illegal conduct of any other participant or user of our Programs, Products, Services, or Program Materials, including yourself.
Medical Disclaimer
Our Programs, Products, Services, and Program Materials should not be interpreted as or relied upon as medical or mental health advice. The information provided through our resources is not intended to replace professional medical advice, diagnosis, or treatment provided by qualified healthcare professionals. It is important that you consult with your own physician, nurse practitioner, physician assistant, therapist, counselor, mental health practitioner, licensed dietitian or nutritionist, member of the clergy, or any other licensed or registered healthcare professional for personalized medical or mental health advice. Do not disregard professional medical advice or delay seeking it because of information you have obtained from our Programs, Products, Services, or Program Materials. Do not discontinue any medication or treatment without consulting your healthcare provider. If you have or suspect you have a medical or mental health condition, promptly contact your healthcare provider. We do not provide healthcare, medical, or nutrition therapy services, nor do we diagnose, treat, prevent, or cure any physical, mental, or emotional conditions. Our resources do not offer medical, psychological, or religious advice.
Legal and Financial Disclaimer
Our Programs, Products, Services, and Program Materials are not intended to serve as business, financial, or legal advice. The information provided through our resources is not a substitute for professional advice that can be obtained from your own accountant, lawyer, or financial advisor. We do not provide financial or legal advice in any capacity. It is recommended that you consult with your own accountant, lawyer, or financial advisor regarding any questions or concerns you have about your income, taxes, or specific financial and/or legal circumstances. You acknowledge that we are not liable for your earnings, the outcomes of your business decisions, changes in your financial situation, or any other results that may arise from information presented through our Programs, Products, Services, and Program Materials. You are solely responsible for your outcomes.
Earnings Disclaimer
You understand and agree that we do not guarantee any specific health, physical, mental, emotional, spiritual, financial, or other benefits, income, expenses, sales volume, profitability, or losses resulting from your participation in our Program, Product, Services, or Program Materials. We cannot guarantee any particular results, positive or negative, financial or otherwise, from the use of our resources, and you acknowledge that individual results may vary. We are not responsible in any way for your choices, actions, results, or the use or misuse of information provided through our Programs, Products, Services, or Program Materials. You accept full responsibility for your outcomes.
Warranties Disclaimer
We provide no warranties regarding our Programs, Products, Services, or Program Materials. You agree that our Programs, Products, Services, or Program Materials are provided "as is" and without any warranties, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Programs, Products, Services, or Program Materials will be functional, uninterrupted, accurate, complete, appropriate, or error-free, nor do we guarantee that defects will be corrected. We do not warrant that our Website, Content, or any third-party websites are free of viruses or other harmful components. We make no warranties or representations regarding the use or results of our Program, Product, or Service Materials or any third-party websites in terms of their correctness, accuracy, timeliness, reliability, or otherwise.
Technology Disclaimer
We strive to maintain uninterrupted and error-free access to our Programs, Products, Services, and Program Materials, including content and communications through various channels such as our Website, member forum, private Facebook groups, and email communications. However, we cannot guarantee continuous access, as interruptions may occur for repairs, maintenance, or updates. While we make efforts to minimize such disruptions, we cannot be held liable for damages, refunds, or any other recourse if access to our resources is temporarily unavailable or incomplete due to factors beyond our control, such as system maintenance, internet traffic, or network failures.
Errors and Omissions
We do not warrant the accuracy, timeliness, performance, completeness, or suitability of the information provided in our Programs, Products, Services, and Program Materials. While we strive to offer the most accurate and up-to-date information, the evolving nature of scientific research means that our content may contain inaccuracies or errors. We cannot be held responsible for such inaccuracies or errors to the fullest extent permitted by law.
Links to Other Websites
Our Programs, Products, Services, and Program Materials may include links to third-party websites for your convenience. However, the inclusion of these links does not imply endorsement, sponsorship, or approval by us. We do not endorse the views, opinions, facts, advice, or statements provided by external resources, nor can we guarantee their accuracy or reliability. We accept no responsibility for errors or omissions on linked websites and disclaim any liability for any loss or damage arising from their use. It is your responsibility to review the terms and conditions and privacy policies of linked websites.
By purchasing and/or using our Programs, Products, Services, or Program Materials, you agree to indemnify us, limit our liability, and release us from any claims.
Indemnification
You agree to defend, indemnify, and hold harmless Karma Life Insurance, along with our affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees, from any claims, damages, liabilities, costs, and expenses, including legal fees, arising from our Programs, Products, Services, or Program Materials, or your violation of any obligation, warranty, representation, or covenant in these Terms and Conditions or any other agreement with us.
Limitation of Liability
Karma Life Insurance will not be liable for any information, products, or materials obtained through our Programs, Products, Services, or Program Materials. We are not responsible for accidents, delays, injuries, losses, damages, or any other consequences arising from the actions of anyone associated with us, including owners, staff, agents, contractors, vendors, or affiliates. We do not assume liability for individuals rendering our Programs, Products, Services, or Program Materials, regardless of location. By using our resources, you accept full responsibility, and we disclaim any liability.
Release of Claims
Karma Life Insurance will not be liable for any direct, indirect, special, incidental, equitable, or consequential damages resulting from the use or reliance on our Programs, Products, Services, or Program Materials, or those associated with us. You release us from any claims related to lost profits, personal or business interruptions, injuries, accidents, misapplication of information, or any other losses, whether physical, mental, or otherwise, even if we have been advised of the possibility of such damages.
Your Behavior
By using our Programs, Products, Services, or Program Materials, you agree not to engage in activities that may interrupt, damage, or impair them. You acknowledge your responsibility for all electronic communications sent from your device to our Website and content.
You must utilize our resources for lawful purposes only. Prohibited activities include:
- Engaging in fraudulent or criminal behavior
- Transmitting illegal, offensive, abusive, harmful, defamatory, or obscene material
- Introducing viruses or harmful code
- Causing annoyance or inconvenience
- Impersonating others or misleading about your identity
- Unauthorized reproduction or resale of our materials
- Communication Guidelines
If you have inquiries or issues regarding our Programs, Products, Services, or Program Materials, reach out to us at Karma Life Insurance, and we will endeavor to address your concerns promptly.
Purchases and Online Transactions
By using a debit or credit card for payment, you authorize us to charge your card automatically for the purchase of our Programs, Products, or Services, with an electronic receipt provided.
In case of non-receipt of payment by the due date, a three-day grace period is granted. Failure to make payment within this period will result in cessation of access to the Program, Product, or Service.
If payment is not made promptly according to these terms or if you choose to withdraw voluntarily from our Programs, Products, or Services, you remain responsible for the full payment.
All information provided during a transaction, such as name, address, payment method, and billing details, will be collected by us and our payment processing company.
You agree to use our Programs, Products, Services, and Program Materials for lawful, non-commercial purposes only and take financial responsibility for all purchases made by you or on your behalf.
Given our clear Refund Policy, any chargeback threats or actions from your credit card company will not be tolerated. We reserve the right to report such incidents, which may negatively impact your credit score.
Transactions made through our affiliates or third-party links are solely between you and the Merchant. We are not liable for any issues arising from such transactions.
Different privacy policies may apply to payment processing companies and Merchants. We are not responsible for their policies or practices.
You release us, our affiliates, payment processing companies, and Merchants from any damages incurred through your purchase or use of our Website or Content.
Note: Payment plans require full payment. Defaulting may impact your credit score.
By enrolling with Karma Life Insurance, you agree to additional charges for system usage based on the following computation:
Email: $0.0016 per email
SMS/Text: $0.011 per segment (160 characters)
Phone: Outbound -> $0.0196 | Inbound -> $0.0119 (per minute)
Premium Action Triggers: $0.017 per trigger
Content A.I.: $0.15 per 1000 words
Workflow A.I.: $0.051 per use
Conversation A.I.: $0.05 per interaction
Termination
You retain the right to discontinue your engagement with our Programs, Products, or Services at any time by contacting us at Karma Life Insurance. We hold the sole discretion to deny or terminate your access to our Programs, Products, Services, or Program Materials, either wholly or partially, without prior notice. This action may be communicated through email to the address you provided during the purchase.
Upon cancellation or termination by either party, any outstanding payments or balances owed to us must be settled within 24 hours. Following termination by either party, we reserve the right to promptly discontinue or deny your access to all facets of our Programs, Products, Services, and/or Program Materials. This includes our Website, private forums, email communications, Facebook groups, live webinars or conference calls, or any other communication channels related to our offerings, without prior notice and at our sole discretion. All terms outlined in this Terms of Use, encompassing copyright, trademark, intellectual property rights, disclaimers, liability limitations, claims release, and our Refund Policy, will remain valid and applicable, even post-termination by either party.
Dispute Resolution
In the event of any disputes, we endeavor to resolve them amicably via email correspondence. However, if resolution cannot be reached within a reasonable timeframe, you agree to pursue binding arbitration before a single arbitrator, as per the American Arbitration Association Rules. Before initiating arbitration, you must contact us at Karma Life Insurance and outline your grievances regarding the Program, Product, or Service. Arbitration can only result in a full refund of your payment made to date; no other financial awards or damages will be granted. Both parties acknowledge that the arbitrator's decision is final and binding and may be entered as a judgment in any court with appropriate jurisdiction.
By purchasing our Programs, Products, or Services, you agree to modify the statute of limitations so that any arbitration must commence within one (1) year of your aforementioned email. Failure to do so waives your right to seek arbitration or any other legal action. Arbitration proceedings, if necessary, will be conducted in Hartford, CT, and the prevailing party will be entitled to reasonable attorney fees and associated costs. In the event of a dispute, you agree not to engage in any conduct or communication, publicly or privately, including on social media, intended to defame us, our Company, or any of our Programs, Products, or Services. However, you retain the right to share your opinions and thoughts as part of the legal process if requested by law or arbitration. If any provision of these Terms of Use is deemed invalid or unenforceable, it will not affect the validity or enforceability of the remaining provisions, which will remain in full force and effect.
Confidentiality and Privacy
Personal Data Collection: To access our Programs, Products, Services, or Program Materials, we may require personal data such as your name, email address, phone number, address, billing details, birthday, preferences, interests, assignments, or other personally-identifying information ("Confidential Information"). Additionally, when using or participating in our Programs, Products, Services, or Program Materials, you may provide comments, photos, images, videos, or other submissions ("Other Information"). By providing such Confidential Information or Other Information, you grant us permission to utilize and securely store this data. We are committed to maintaining the confidentiality, security, and privacy of your Confidential Information in accordance with these Terms of Use and our comprehensive Privacy Policy available on our Website. If you notice any inaccuracies or omissions in your Confidential Information, please contact us promptly, and we will make the necessary corrections.
Use of Confidential Information
We collect and utilize various personal data and Confidential Information to better understand your requirements and enhance the quality of our services. Furthermore, we may use this data and Confidential Information for the following purposes: (1) internal record-keeping, (2) enhancing our Programs, Products, Services, or Program Materials, (3) periodically sending promotions or special offers (you can opt-out anytime), (4) conducting research using aggregated, non-identifiable data, (5) tailoring purchased or used Programs, Products, or Services based on your interests, and (6) providing support or communication related to your engagement with our offerings.
Data Management
All data and Confidential Information are securely stored using a data management system. Access to this information is restricted to authorized personnel responsible for delivering emails or communicating with individuals who have subscribed to our services. By using our services, you acknowledge and consent to our team, staff, affiliates, and designated data management personnel having access to your Confidential Information.
Confidentiality and Disclosure
We maintain strict confidentiality regarding all Confidential Information and refrain from disclosing it to third parties, except in the following circumstances: (1) as outlined in these Terms of Use, our Privacy Policy, and Disclaimer, (2) when required by law, (3) in good faith belief that such disclosure is necessary to comply with legal obligations, (4) to respond to legal processes served on us or our partners, sponsors, investors, or affiliates, (5) to safeguard and uphold our rights, property, or those of our users, or (6) to act promptly in protecting the personal safety of our users, purchasers, or the public. Your Confidential Information will not be sold, distributed, or leased to third parties unless we obtain your consent or are obligated by law to do so.
Viewing by Others
Please be aware that when you voluntarily share your Confidential Information or Other Information, whether through our Programs, Products, Services, or Program Materials, our Website, or social media platforms, it may be viewed, collected, and utilized by others. Consequently, we cannot assume responsibility for any unauthorized use of such shared Confidential Information or Other Information by third parties online or through any other means.
Cookie Usage
We may utilize the standard "cookies" feature found in major web browsers. These cookies do not contain any Confidential Information, nor do we employ any data-capture mechanisms on our Website apart from cookies. You have the option to disable cookies through your browser settings, although doing so may affect your experience on the Website, potentially impacting the functionality of our Programs, Products, Services, or Program Materials. We do not have access to or control over information collected by other individuals, companies, or entities linked to our Programs, Products, Services, or Program Materials.
Passwords
Certain features of our Programs, Products, Services, or Program Materials may require a group username and password or a unique individual username and password, which you will receive during the registration and/or purchase process. You may have the option to customize your username and/or password. It is your responsibility to maintain the confidentiality of your password and account and to oversee all activities conducted under your password or account, whether by you or others. Sharing your username and/or password is strictly prohibited, and if we discover any such sharing, we reserve the right to immediately revoke your access to the Program, Product, Service, Program Materials, Website, private forum, Facebook group, or any related communication channels. You must safeguard your password from disclosure to others, as we cannot be held liable for any loss or damage resulting from your failure to protect your password or account information. You are responsible for all activities conducted using your password(s) and within your account. Should you share your password(s) with others, they may potentially gain access to your personal information at your own risk. Promptly inform us of any unauthorized use of your password or account or any security breaches, and ensure that you log out of your account at the end of each session. By using our Programs, Products, and Services, you agree to provide accurate and truthful information during registration and purchase processes. Providing false email addresses may result in immediate deactivation of your account. We are committed to maintaining the privacy of your password(s) and will not disclose them without your consent unless required by law or deemed necessary to protect our rights, property, or the safety of others.
If you have any inquiries regarding these Terms of Use, please reach out to us at Karma Life Insurance.