Terms and Conditions

The following TERMS OF USE and PRIVACY POLICY are subject to change
at any time and at the sole discretion of the Site owner and operator. Please
visit the site regularly for updates.

TERMS OF USE

Please read the following terms of use relating to your use of this site, and all
the sites listed below under our brand, carefully. By using these sites, you
agree to these terms of use. We reserve the right to modify these terms at any
time, so please check this page periodically for changes. By using these sites
after we post any changes to these terms, you agree to accept those
changes, whether or not you have reviewed them or been notified about them.
If at any time you choose not to accept these terms of use, please do not use
this site or any of our sites.
Owners and Collectors of Information
These terms of use apply to your use of all of the Sites and services owned,
hosted, or operated by The Realchange Coach, Inc (and any other site that
we have owned or operated, do own and operate or may own or operate in
the future including social media sites (collectively, the “Sites”). Unless we say
otherwise, all references to the Sites in these terms of use include all such
Sites. These terms of use do not apply to your use of unaffiliated Sites to
which any of the Sites may link to or direct you to.
If you have any questions about these terms of use you may contact us at
The Realchange Coach, Inc.
1127 South Lake Drive Suite 117
Novi, Mi. 47377
info@realchangecoach.com
Please note that the “Terms of Use” are different and separate from the
“Terms and Conditions” associated with registering for any of our live events
and seminars.
Restrictions
The contents of our Sites are protected by copyright and trademark laws, and
are the property of their owners. Unless otherwise noted, you may access and
use the information and materials within the Sites for your personal use. You
may not change, modify, delete, display, transmit, adapt, exploit, or copy for
distribution or sale any information, material, trademark, or copyright on the

Sites. You must obtain written permission from us or any other entity who
owns intellectual property on the Sites before you may publish, distribute,
display, or commercially exploit any material from the Sites. By using the
Sites, you agree to abide by all copyright notices or other posted restrictions.
Links
These terms of use apply only to our Sites, and not to the Sites of any other
companies or organizations, including those we link to. We do not maintain,
create, endorse, or take any responsibility for the contents, advertising,
products or other materials made available through any other site, including
those we link to. Under no circumstances will we be held responsible or liable,
directly or indirectly, for any loss or damage that is caused or alleged to have
been caused to you in connection with your use of any content, goods or
services available on any other site. Other Sites may link to our Sites by
permission only. To seek our permission, you may contact us at the
information above. We reserve the right to rescind any permission granted to
you or any organization in which we approve linking to our Sites, and to
require termination of any such link to any of the Sites, at our discretion at any
time.
Events, Information, and Speaker Changes
The events, information, and speakers listed on our Sites are subject to
change without notification.
Submissions
We welcome your comments about any of the Sites. However, we will not
review or consider any unsolicited creative submissions or suggestions for
topics at our seminars or within our newsletters or products. We hope you will
understand that this policy is intended to avoid the possibility of future
misunderstandings in the event that ideas developed by our staff might seem
to be similar to the ideas submitted to us. Accordingly, we must ask that you
not send us any original creative ideas, suggestions or materials. If, despite
our request, you send us any idea, suggestion or material (“Submission”), it
shall become our property. We will not be subject to any obligation of
confidence for any Submission, and we will not be liable for any use or
disclosure of any Submission. In the case that you submit something to us
and it is unsolicited, we will exclusively own all rights to the Submission
worldwide, and we will be entitled to the unrestricted use of the Submission for
any purpose, without compensation or notification to the provider of the
Submission. Given this fact, we ask that you refrain from submitting creative
projects to us, particularly those that are confidential or personal to you.

Forums
A “forum” means any message board, chat room, user review forum or other
interactive service appearing on any of the Sites and includes both public
boards and private folders. You must register in accordance with instructions
that you will find on the Sites in order to contribute to any forum. You may not
post on any forum, or send to any other forum user or our staff, any material
that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene,
invades a person’s privacy, violates any intellectual or other property rights, or
that would otherwise violate any law. You may not use any forum in a
commercial manner. You may not post material that solicits funds, or that
advertises or solicits goods or services. You may not post material known to
be false. You may not post messages that contain stock touts. You may not
post or transmit any information, software or other material that contains a
virus or other harmful component. We are not responsible for material
appearing in any forum on the Sites, except for material signed by one of our
identified representatives. We are not responsible for screening material
posted by users for libel, obscenity, invasion of privacy, copyright or
trademark infringement, accuracy, or for any other reason. We retain,
however, the right to modify or remove messages or other material that we, in
our sole discretion, consider infringing, offensive, abusive, defamatory,
obscene, stale, or otherwise unacceptable. We also reserve the right to edit
materials for any other reason. Whether or not we modify or remove such
material, users remain solely responsible for the content of their messages or
postings. By posting on the Sites, you grant (or warrant that the owner of such
rights has expressly granted) us and/or relevant affiliated companies the
worldwide, perpetual, nonexclusive right to use your questions, comments,
and postings, in their original or edited form, in television programs, books,
articles, commentaries, or in any other medium now known or later developed.
You also warrant that you own or otherwise control all of the rights to the
content you have posted and that the public posting and use of such content
by us will not infringe the rights of any third party. Additionally, you warrant
that any “moral rights” in posted materials have been waived. You are not
entitled to any compensation for any materials you may post on the Sites.
Registration
We may, at our discretion, suspend or terminate the registration of any forum
user or general user who violates any of these terms of use of use, any of the
forum member guidelines or for any other behavior that we in our discretion
believe is inappropriate.
Disclaimers

The information, services, products, claims, seminar topics, and materials on
our Sites are provided “as is” and without warranties of any kind, either
expressed or implied. We disclaim all warranties, expressed or implied,
including but not limited to implied effectiveness of the ideas or success
strategies listed on this site as well as those that are provided in our products
or to our participants at our events. The only exception is the guarantees of
satisfaction and graduation that are clearly labeled guarantees within our
Sites. Neither we nor any of our respective licensors or suppliers warrant that
any functions contained in the Sites will be uninterrupted or error-free, that
defects will be corrected, or that the Sites or the server that makes them
available are free of viruses or other harmful components. Neither we nor any
of our respective licensors or suppliers warrant or make any representations
regarding the use or the results of the use of the services, products,
information or materials in this site in terms of their correctness, accuracy,
reliability, or otherwise. You (and not we or any of our respective licensors or
suppliers) assume the entire cost of all necessary servicing, repair or
correction to your system. Applicable law may not allow the exclusion of
implied warranties, so the above exclusion may not apply to you. We do not
endorse, warrant or guarantee any speakers, products or services offered on
the Sites or those we link to. We are not a party to, and do not monitor, any
transaction between users and third party providers of products or services.
Limitation of Liability
Under no circumstances, including but not limited to negligence, will we or any
of our licensors or suppliers be liable for any special or consequential
damages that result from the use of, or the inability to use, the materials or
information on the Sites, or any products or services provided pursuant to the
Sites, even if advised of the possibility of such damages. Applicable law may
not allow the limitation or exclusion of liability or incidental or consequential
damages (including but not limited to lost data), so the above limitation or
exclusion may not apply to you. In no event shall the total liability to you by us
or any of our licensors or suppliers for all damages, losses, and causes of
action (whether in contract, tort, or otherwise) exceed the amount paid by you
to us, if any, for accessing the Sites.
Under no circumstances will we be held responsible or liable, directly or
indirectly, for any loss or damage that is caused or alleged to have been
caused to you in connection with your use of any advice, goods or services
you receive from a guest speaker on our Sites or at one of our events.
We are also not responsible or liable for any loss or damage that is caused or
alleged to have been caused to our guest speakers in connection with the

display of their photo, name, or biography posted on our Sites or in our
marketing materials.
No Professional Advice
The information contained in or made available through the Sites (including
but not limited to information contained on message boards, in text files, or in
chats) cannot replace or substitute for the services of trained professionals in
any field, including, but not limited to, financial, medical, psychological, or
legal matters. In particular, you should regularly consult a doctor in all matters
relating to physical or mental health, particularly concerning any symptoms
that may require diagnosis or medical attention. We and our licensors or
suppliers make no representations or warranties concerning any treatment,
action, or application of medication or preparation by any person following the
information offered or provided within or through the Sites. Neither we nor our
partners, or any of their affiliates, will be liable for any direct, indirect,
consequential, special, exemplary or other damages that may result, including
but not limited to economic loss, injury, illness or death. You alone are
responsible and accountable for your decisions, actions and results in life, and
by your use of the Sites, you agree not to attempt to hold us liable for any
such decisions, actions or results, at any time, under any circumstance.
Earnings Disclaimer
We don’t believe in “get rich” programs – only in hard work, adding value,
building a real and professional career, and serving others with excellence
and constancy. Our programs are intended to help you share your message
with a wider audience and to make a difference in the world while growing
your personal brand. Our programs take a lot of work and discipline just like
any worthwhile endeavor or professional continuing education program.
Please don’t enroll in our programs if you believe in the “money for nothing get
rich quick” myth or ideology; we only want serious people dedicated to real
professional development who want to add value and move humanity
forward. As stipulated by law, we can not and do not make any
guarantees about your ability to get results or earn any money with our
ideas, information, tools or strategies. We don’t know you and, besides,
your results in life are up to you. Agreed? We just want to help by giving great
content, direction, and strategies. What we can guarantee is your satisfaction;
we give you a 30-day 100% satisfaction guarantee, so if you are not happy for
any reason with the quality of our training, just ask for your money back. You
should know that all products and services by our company are for
educational and informational purposes only. Nothing on this page, any of

our websites, or any of our content or curriculum is a promise or
guarantee of results or future earnings, and we do not offer any legal,
medical, tax or other professional advice. Any financial numbers
referenced here, or on any of our sites, are illustrative of concepts only
and should not be considered average earnings, exact earnings, or
promises for actual or future performance. Making decisions based on
any information presented in our products, events, services, or web site,
should be done only with the knowledge that you could experience risk or
losses just like any entrepreneurial endeavor. Use caution and always consult
your accountant, lawyer or professional advisor before acting on this or any
information related to a lifestyle change or your business or finances. You
alone are responsible and accountable for your decisions, actions and results
in life, and by your registration here you agree not to attempt to hold us liable
for your decisions, actions or results, at any time, under any circumstance.
Parental Permission
The Sites are not directed to children under the age of 13 and we will not
knowingly collect personally identifiable information from children under 13.
We strongly recommend that parents participate in their children’s exploration
of the internet and any online services and use their browser’s parental
controls to limit the areas of the internet to which their children have access.
We may, at our discretion, require users under 18 to obtain the consent of a
parent or guardian to view certain content, and we may limit access to certain
content to users above a specified age. You agree to abide by any such
restrictions, and not to help anyone avoid these restrictions.
Explicit Language & Mature Content
On our Sites we will occasionally discuss mature topics and language relating
to personal and professional growth that may use explicit language. Users
who are uncomfortable with such topics or language should not use our Sites.
Confidentiality and Non-Compete
Users of our Sites hereby understand that the tools, processes, strategies,
materials and information presented on our Sites are copyrighted and
proprietary, so users agrees not to record, duplicate, distribute, teach or train
from our information in any manner whatsoever without our express written
permission. Any unauthorized use or distribution of our Sites proprietary
concepts, materials, and intellectual property by you or your representatives is
prohibited and Promoter will pursue legal action and full damages if these
terms are violated in order to protect its rights.

PRIVACY POLICY

We are committed to protecting your privacy and security and have explained
in detail the steps we take to do so. We control this site from offices in the
United States of America. We do not represent that materials on the site are
appropriate or available for use in other locations. Persons who choose to
access this site from other locations do so on their own initiative, and are
responsible for compliance with local laws, if and to the extent local laws are
applicable.
Outside Sites (Their Privacy Policies May Be Different)
The Site contains links to other websites, like our sponsor’s websites or links
to booksellers, that may offer products or services that our customers might
find useful. These sites may request information from you. In such instances,
the collection and use of your personal information will be governed by the
privacy policy applicable to that site. We do not control the privacy policies,
contents or links that appear on these sites. We encourage you to review the
privacy policies of any third party sites or services before providing any of
them with your personal information.
How and why we collect information
We collect your information in order to record and support your participation in
the activities you select. If you register for a seminar, for example, the
information is used to reserve your seat, to track your preferences, and to
keep you informed about the seminar and related events. As a visitor to our
Sites, you can engage in many activities without providing any personal
information. In connection with other activities, such as utilizing registering for
a seminar or participating in a sweepstakes, we may ask you to provide
certain information about yourself by filling out and submitting an online form.
It is completely optional for you to engage in these activities. If you elect to
engage in these activities, however, we may ask that you provide us personal
information, such as your first and last name, mailing address (including ZIP
code), e-mail address, , telephone, credit card, and other personal
information. If you do not provide the mandatory data with respect to a
particular activity, you will not be able to engage in that activity. In all cases,
we will collect personal identification information from you only if you
voluntarily submit such information to us. We will also tell you how we use
your information or if we share it with another party. Except as otherwise
provided in this policy, we will never intentionally disclose any personal
identification information about you as an individual user to any third party
without having received your permission. If you supply us with your contact

information you may receive periodic e-mails, mailings or calls from us with
information on new products and services, important issues, or upcoming
events. If you wish to be removed from any postal, email, phone, or other lists,
please let us know by emailing us at info@realchangecoach.com. You can
also write us or call us at the contact information above. Please provide us
with your exact name, email address, mailing address, and phone. We will be
sure your name is removed from the appropriate lists immediately. When you
use our Sites, we or our authorized technology services provider may also
collect certain technical and routing information from you to facilitate your use
of the Site and its services. We use this information to administer the Site and
to understand and measure traffic patterns on the Site so that we know which
areas of our sites are favorites of our users, which areas need improvement,
and what technologies are being used so that we may continually improve our
sites. This information is collected in aggregate form, without identifying you or
any user individually. We may use this aggregate, non-identifying statistical
data for statistical analysis, marketing, or similar promotional purposes. This
data is often tracked by us our our technology services provider by using
“cookies” during your visit. A cookie is small amount of data that is transferred
to your browser by a web server and can only be read by the server that gave
it to you. It functions as your identification card and enables us to record your
passwords, purchases, and preferences. It cannot be executed as code or
deliver viruses. Most browsers are initially set to accept cookies. You can set
your browser to notify you when you receive a cookie, giving you the chance
to decide whether or not to accept it. (For some web pages that require an
authorization, cookies are not optional. Users choosing not to accept cookies
will probably not be able to access those pages.
Exceptions to Privacy Policy
While we are committed to keeping your information secure and private, we
have the following exceptions to our privacy policy: We will release specific
information about you or your account to comply with any valid legal inquiry or
process such as a search warrant, subpoena, statute or court order. We will
also release specific information in special cases, such as if there is an
attempted breach of the security of the Sites, or a physical or property threat
to you or others. We may also transfer user information, including personally
identifiable information, in connection with a corporate merger, consolidation,
the sale of related assets or corporate division or other fundamental corporate
change. Further, the information you enter when making a purchase or an
online donation will be shared with payment processors, financial gateways,
and your credit card company to authorize credit card payments. Such
information may also be shared with necessary third parties solely for the

purpose or carrying out the transactions. Please note that if you give out
personal information online through a discussion board or posting site, that
information can be collected and used by third parties. Although we strive to
protect our users’ privacy, we cannot guarantee the security of information
you post in these forums. You disclose such information at your own risk.
Miscellaneous
These terms will be governed by and construed in accordance with the laws of
the State of Michigan, without regard to any principles of conflicts of law. You
agree that any action at law or in equity that arises out of or relates to these
terms will be subject to mediation in the State of Michigan. If any of these
terms of use are found unlawful, void, or for any reason unenforceable, then
that provision will be considered severable from the remaining terms of use,
and will not affect the validity and enforceability of the remaining provisions.
These terms may be modified only by our posting of changes to these terms
of use on our Sites.