Effective Date: 2025-08-13

THE AGREEMENT: This Course Agreement (hereinafter, "Agreement") is made by and between Cosmic Biz Witch LLC, a limited liability company, organized under the laws of the state of California, hereinafter referred to as "Course Provider," and you, further defined below, as a participant in the Course, also defined below.

All parts and sub-parts of this Agreement are specifically incorporated by reference here. This Agreement shall govern the use of all pages and screens in and on the Course (all collectively referred to as "Course") and any services provided by or on this Course Provider through the Course ("Services"), including the Course Provider's website ("Website") and/or inside the private Telegram container ("Chat").

Article 1 - DEFINITIONS:

A) The parties referred to in this Agreement shall be defined as follows:

I) Course Provider, us, we: Course Provider, as the creator, operator, and publisher of the Course, is responsible for providing the Course publicly. Course Provider, us, we, our, ours and other first-person pronouns will refer to the Course Provider, as well as, if applicable, all employees, contractors, and affiliates of the Course Provider.

II) You, the user, the participant: You, as the participant in the course and user of the Services, will be referred to throughout this Agreement with second-person pronouns such as you, your, yours, or as user or participant.

III) Parties: Collectively, the parties to this Agreement (Course Provider and You) will be referred to as Parties.

B) The Course details are as follows:

I) Course Name: Cosmic Currency

II) Course Description: This private container will guide you through creating aligned systems and processes to manage your business money flow with confidence and clarity. This includes weekly email delivery of video modules, personalized astrology reading voice notes, comprehensive resources, and private 1:1 support through our dedicated Telegram chat as needed throughout the 10-week program duration.

III) Total Course Fees ("Fees"): As determined at time of enrollment and confirmed in your purchase confirmation.

IV) Course URL: https://courseportal.cosmicbizwitch.com/cosmiccurrency

V) Course Start Date: As determined by enrollment and preparation timeline detailed in Article 4

VI) Course End Date: Friday of the 10th week following your Course Start Date

Article 2 - ASSENT & ACCEPTANCE:

By purchasing and participating in the Course, you warrant that you have read and reviewed this Agreement and that you agree to be bound by it. If you do not agree to be bound by this Agreement, please cease your participation in the Course immediately. If you do so after purchase, you will not be entitled to any refund. Course Provider only agrees to provide the Course to you if you assent to this Agreement.

Article 3 - LICENSE TO USE SERVICES & ACCESS COURSE MATERIALS:

We may provide you with certain information as a result of your accessing of the Course through the Website and/or the Chat. Such information may include, but is not limited to, documentation, data, resources, or information developed by us and other materials which may assist in your participation in the Course ("Materials"). Subject to this Agreement, we grant you a non-exclusive, limited, non-transferable and revocable license to use the Materials solely in connection with your participation in the Course, your use of the Website, your participation in the Chat, and your ongoing needs inside of your own business(es) after the Course End Date. The Materials may not be used for any other purpose.

Article 4 - COURSE TERMS:

After purchasing the Course, you will receive instructions to provide required information including completing intake forms with your birth and business information, taking the Cosmic Money Style quiz to determine your money attachment style, and responding to provided prompts with voice notes in our Telegram chat. You agree to provide all required information as soon as possible, but no later than two (2) weeks from your enrollment date. Failure to provide required information within this timeframe may result in Course Provider charging an additional restart fee before program commencement. Upon receipt of all required information, our team requires one week to prepare your personalized materials. Your official Course Start Date will be the Monday morning following this preparation period, when you receive your Week 1 delivery.

Course Provider reserves the right to reschedule or postpone a participant's Course Start Date on a case-by-case basis for extraordinary circumstances. Such rescheduling is at the sole discretion of Course Provider, and Course Provider is under no obligation to grant rescheduling requests.

You will maintain lifetime access to the video modules and astrology reading voice notes on the Website as long as the hosting platform maintains them and as long as Cosmic Biz Witch LLC is in business. Access to the private Chat for ongoing support will expire on the specified Course End Date (Friday of Week 10), though you will retain access to view all previous correspondence within the Chat.

The Course and any of its accompanying Materials may not be shared with any party without prior written consent from Course Provider. You may record voice notes or take screenshots from the Chat for your personal reference only, provided such recordings or screenshots are not used for commercial purposes, distribution, resale, or in any manner that undermines the Course Provider's business interests. If we suspect that the Course or Materials are being shared and/or that you have shared your log-in information with any party without proper authorization, we reserve the right to immediately terminate your access to the Course, in our sole and exclusive discretion.

We do not offer any refunds, promises or guarantees with regard to our Course or Course Materials. You hereby acknowledge and agree:

A) You are solely and exclusively responsible for the choices that you make with regard to this Course, the Materials contained within it, or any significant changes to your business or life;

B) You are solely and exclusively responsible for your own mental health, physical health, business decisions, and any other actions or inaction you choose to take;

C) We are not liable for any result or non-result or any consequences which may come about due to your participation in the Course;

D) This Course does not constitute a therapeutic, medical, or financial consultancy relationship. We do not provide therapy or medical or financial services and you are responsible for procuring these services at your own will and discretion if needed.

Article 5 - INTELLECTUAL PROPERTY:

You agree that the Materials, the Course, the Website, the Chat, and any other Services provided by the Course Provider are the property of the Course Provider, including all copyrights, trademarks, trade secrets, resources, patents, and other intellectual property ("Company IP"). You agree that the Company owns all right, title and interest in and to the Company IP and that you will not use the Company IP for any unlawful or infringing purpose. You agree not to reproduce or distribute the Company IP in any way, including electronically or via registration of any new trademarks, trade names, service marks or Uniform Resource Locators (URLs), without express written permission from the Company.

Article 6 - CONTENT YOU SHARE:

Through your participation in the Course and your use of the Website, the Chat, and any form submissions, you may be permitted to share materials ("User Contributions"). You hereby grant Course Provider a royalty-free, non-exclusive, worldwide license to copy, display, use, broadcast, transmit and make derivative works of User Contributions you share. The Course Provider claims no further proprietary rights in your User Contributions.

You also agree to comply with the "Acceptable Use" provision of this Agreement for all User Contributions that you share, including and especially to not violate the intellectual property rights of any third party through your User Contributions.

If you feel that any of your intellectual property rights have been infringed or otherwise violated by the sharing of information or media by the Course Provider, please contact us and let us know.

Article 7 - CONFIDENTIALITY:

Participation in the private Chat may include the voluntary sharing of personal, financial, or other sensitive information. Any and all communications within the Chat are to be considered private and confidential. You agree not to share any information from the Chat to third parties, or discuss any information shared within the Chat outside of the private container. The Course Provider assumes no responsibility for any breach of confidential information and maintains strict confidentiality practices regarding all participant information.

Article 8 - YOUR OBLIGATIONS:

As a participant in the Course, you will be asked to register with us. When you do so, you will choose a user identifier, which may be your email address or another term, as well as a password. You may also provide personal information, including, but not limited to, your name. You are responsible for ensuring the accuracy of this information. This identifying information will enable you to participate in the Course. You must not share such identifying information with any third party, and if you discover that your identifying information has been compromised, you agree to notify us immediately in writing. Email notification will suffice. You are responsible for maintaining the safety and security of your identifying information as well as keeping us apprised of any changes to your identifying information.

The billing information you provide us, including credit card, billing address and other payment information, is subject to the same confidentiality and accuracy requirements as the rest of your identifying information. Providing false or inaccurate information, or using the Course, the Website, or the Chat to further fraud or unlawful activity is grounds for immediate termination of this Agreement.

Article 9 - PAYMENT & FEES:
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Course Fees are as confirmed in your purchase confirmation and payment receipt.

Payment plans, if selected at time of enrollment, are subject to the terms specified at checkout and must be enrolled in auto pay at time of purchase. If any payment of a payment plan is not completed by the specified intervals, you may forfeit your place in the Course. The Course Provider does not issue refunds.

Article 10 - ACCEPTABLE USE:

You agree not to use the Course or the Website for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Course, the Website, or the Chat in any way that could damage the Course, Website, Chat, Services, or general business of the Course Provider.

a) You further agree not to use the Course, the Website, or the Chat:

I) To harass, abuse, or threaten others or otherwise violate any person's legal rights;

II) To violate any intellectual property rights of the Course Provider or any third party;

III) To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;

IV) To perpetrate any fraud;

V) To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;

VI) To publish or distribute any obscene or defamatory material;

VII) To publish or distribute any material that incites violence, hate, or discrimination towards any group;

VIII) To unlawfully gather information about others.

Article 11 - NO LIABILITY:

The Course and Website are provided for informational purposes only. You acknowledge and agree that any information posted in the Course, in the Materials, on the Website, or in the Chat is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between you and us. You further agree that your participation in the Course is at own risk. We do not assume responsibility or liability for any advice or other information given in the Course, in the Materials, on the Website, or in the Chat.

Article 12 - REVERSE ENGINEERING & SECURITY:

You agree not to undertake any of the following actions:

a) Reverse engineer, or attempt to reverse engineer or disassemble any code, software, or resource from or on the Course, Website, or Chat;

b) Violate the security of the Course, Website, or Chat through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to any host, user or network.

Article 13 - DATA LOSS:

We do not assume or accept responsibility for the security of your account or content. You agree that your participation in the Course or use of the Website and/or Chat is at your own risk.

Article 14 - INDEMNIFICATION:

You agree to defend and indemnify the Course Provider and any of our employees, contractors, and/or affiliates (if applicable) and hold us harmless against any and all legal claims and demands, including reasonable attorney's fees, which may arise from or relate to your participation in the Course, your use or misuse of the Website, your use or misuse of the Chat, your breach of this Agreement, or your conduct or actions. You agree that we shall be able to select our own legal counsel and may participate in our own defense, if we wish.

Article 15 - SPAM POLICY:

You are strictly prohibited from using the Course for illegal spam activities, including gathering email addresses and personal information from others or sending any mass commercial emails.

Article 16 - MODIFICATION & VARIATION:

We may, from time to time and at any time without notice to you, modify the Course. You agree that we have the right to modify the Course or revise anything contained herein.

We may, from time to time and at any time without notice to you, modify this Agreement. You agree that we have the right to modify this Agreement or revise anything contained herein. You further agree that all modifications to this Agreement are in full force and effect immediately upon posting on the Website and that modifications or variations will replace any prior version of this Agreement, unless prior versions are specifically referred to or incorporated into the latest modification or variation of this Agreement.

To the extent any part or sub-part of this Agreement is held ineffective or invalid by any court of law, you agree that the prior, effective version of this Agreement shall be considered enforceable and valid to the fullest extent.

Article 17 - ENTIRE AGREEMENT:

This Agreement constitutes the entire understanding between the Parties with respect to the Course. This Agreement supersedes and replaces all prior or contemporaneous agreements or understandings, written or oral.

Article 18 - SERVICE INTERRUPTIONS:

We may need to interrupt your access to the Course to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the Course and/or Website may be affected by unanticipated or unscheduled downtime, for any reason, but that we shall have no liability for any damage or loss caused as a result of such downtime.

In the event that the Telegram platform becomes unavailable, discontinues service, or otherwise prevents access to the Chat component of the Course, Course Provider will make commercially reasonable efforts to establish alternative communication methods. Course Provider shall not be liable for any interruption or cessation of Chat services due to third-party platform unavailability, and such circumstances shall be addressed as they arise at Course Provider's discretion.

Article 19 - TERM, TERMINATION & SUSPENSION:

We may terminate this Agreement with you at any time for any reason, with or without cause. We specifically reserve the right to terminate this Agreement if you violate any of the terms outlined herein, including, but not limited to, violating the intellectual property rights of us or a third party, failing to comply with applicable laws or other legal obligations, and/or publishing or distributing illegal material. You may also terminate this Agreement at any time by contacting us and requesting termination. At the termination of this Agreement, any provisions that would be expected to survive termination by their nature shall remain in full force and effect.

Please be advised that terminating this Agreement does not entitle you to a refund on any monies spent with us.

Article 20 - NO WARRANTIES:

You agree that your participation in the Course and your use of the Website and/or the Chat is at your sole and exclusive risk and that any Services provided by us are on an "As Is" basis. We hereby expressly disclaim any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. We make no warranties that the Course or Website or Chat will meet your needs or that the Course or Website or Chat will be uninterrupted, error-free, or secure. We also make no warranties as to the reliability or accuracy of any information in the Course, on the Website, or in the Chat. You agree that any damage that may occur to you, through your computer system, or as a result of loss of your data from your participation in the Course, your use of the Website, and/or your participation in the Chat is your sole responsibility and that we are not liable for any such damage or loss.

Article 21 - LIMITATION ON LIABILITY:

We are not liable for any damages that may occur to you as a result of your participation in the Course, your use of the Website, and/or your participation in the Chat, to the fullest extent permitted by law, as noted above. The maximum liability of Course Provider arising from or relating to this Agreement is limited to the greater of one hundred ($100) US Dollars or the amount you paid to us in the last six (6) months. This section applies to any and all claims by you, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind.

Article 22 - GENERAL PROVISIONS:

A) LANGUAGE: All communications made or notices given pursuant to this Agreement shall be in the English language.

B) JURISDICTION, VENUE & CHOICE OF LAW: Through your participation in the Course and your use of the Website and the Chat, you agree that the laws of California shall govern any matter or dispute relating to or arising out of this Agreement, as well as any dispute of any kind that may arise between you and us, with the exception of its conflict of law provisions. In case any litigation specifically permitted under this Agreement is initiated, the Parties agree to submit to the personal jurisdiction of the state and federal courts of the following county: Placer County, California. The Parties agree that this choice of law, venue, and jurisdiction provision is not permissive, but rather mandatory in nature. You hereby waive the right to any objection of venue, including assertion of the doctrine of forum non conveniens or similar doctrine.

C) ARBITRATION: In case of a dispute between the Parties relating to or arising out of this Agreement, the Parties shall first attempt to resolve the dispute personally and in good faith. If these personal resolution attempts fail, the Parties shall then submit the dispute to binding arbitration. The arbitration shall be conducted in the following county: Placer County. The arbitration shall be conducted by a single arbitrator, and such arbitrator shall have no authority to add Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrator shall be bound by applicable and governing Federal law as well as the law of the following state: California. Each Party shall pay their own costs and fees. Claims necessitating arbitration under this section include, but are not limited to: contract claims, tort claims, claims based on Federal and state law, and claims based on local laws, ordinances, statutes or regulations. Intellectual property claims by us will not be subject to arbitration and may, as an exception to this sub-part, be litigated. The Parties, in agreement with this sub-part of this Agreement, waive any rights they may have to a jury trial in regard to arbitral claims.

D) ASSIGNMENT: This Agreement, or the rights granted hereunder, may not be assigned, sold, leased or otherwise transferred in whole or part by you. Should this Agreement, or the rights granted hereunder, by assigned, sold, leased or otherwise transferred by Course Provider, the rights and liabilities of Course Provider will bind and inure to any assignees, administrators, successors, and executors.

E) SEVERABILITY: If any part or sub-part of this Agreement is held invalid or unenforceable by a court of law or competent arbitrator, the remaining parts and sub-parts will be enforced to the maximum extent possible. In such condition, the remainder of this Agreement shall continue in full force.

F) NO WAIVER: In the event that we fail to enforce any provision of this Agreement, this shall not constitute a waiver of any future enforcement of that provision or of any other provision. Waiver of any part or sub-part of this Agreement will not constitute a waiver of any other part or sub-part.

G) HEADINGS FOR CONVENIENCE ONLY: Headings of parts and sub-parts under this Agreement are for convenience and organization, only. Headings shall not affect the meaning of any provisions of this Agreement.

H) NO AGENCY, PARTNERSHIP OR JOINT VENTURE: No agency, partnership, or joint venture has been created between the Parties as a result of this Agreement. No Party has any authority to bind the other to third parties.

I) FORCE MAJEURE: We are not liable for any failure to perform due to causes beyond our reasonable control including, but not limited to, acts of God, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters, and other acts which may be due to unforeseen circumstances.

J) ELECTRONIC COMMUNICATIONS PERMITTED: Electronic communications are permitted to both Parties under this Agreement via e-mail. For any questions or concerns, please email us at the following address: support@cosmicbizwitch.com.
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