Terms of Purchase

Last Modified: January 2026

These Terms of Purchase (“Terms”) govern your purchase of and participation in any online course, program, membership, event, digital product, community, or related offering (collectively, the “Services” or “Product”) provided by Pet Talk Communications (“Company,” “we,” “us,” or “our”). By purchasing, accessing, or participating in any Services or Product, you agree to be bound by these Terms.

1. PARTIES

These Terms are entered into between you (“Client”) and Pet Talk Communications. Client and Company may be referred to individually as a “Party” and collectively as the “Parties.”

2. ACCEPTANCE OF TERMS

These Terms are legally binding. By purchasing or accessing any Services or Product, you acknowledge that you have read, understood, and agree to be bound by these Terms.

3. SERVICES / PRODUCT

Services and Products may include, but are not limited to: self-study online courses and digital products; live or hybrid courses and group programs; memberships and community access; live events, trainings, workshops, or retreats; and associated materials, recordings, downloads, and resources. Specific deliverables are described at the time of purchase.

4. CLIENT RESPONSIBILITY

Client acknowledges that success and outcomes depend on Client’s own effort, participation, and personal

responsibility. Company makes no guarantees regarding results. Client acknowledges that Client alone is responsible for any decisions, actions, or results arising from participation in the Services or Product, and that all actions taken are at Client’s own discretion and risk.

5. REGISTRATION, PAYMENT, AND PAYMENT PLANS

Client agrees to pay the full purchase price or to complete all payments under any selected payment plan. If Client elects a payment plan, Client agrees to complete all scheduled payments. Failure to complete the payment plan constitutes a material breach of this Agreement. Company may revoke Client’s access to the Services or Product until all outstanding balances are paid in full. Revocation of access does not relieve Client of the obligation to complete payment. All payments are processed through third-party payment processors. Client authorizes Company to charge the payment method on file for amounts due.

6. ACCESS DURATION AND REPLAYS

Purchase of any self-study course or digital product includes lifetime access to the course materials as they exist at the time of purchase. “Lifetime access” refers to the lifetime of the course as offered by Company and does not guarantee availability for the lifetime of the Client. Live courses, group programs, or events may not include replays unless expressly stated at the time of purchase. Company does not guarantee replay availability and reserves the right to determine whether replays are provided.

7. PROGRAM MODIFICATIONS

Company reserves the right to modify, update, substitute, or change the content, format, delivery method, schedule, instructors, facilitators, materials, or platforms used to deliver any Services or Product at any time, provided the overall scope and value is substantially maintained. Such changes do not entitle Client to a refund.

8. REFUND POLICY

All self-study courses and digital products are non-refundable due to immediate access. For live courses or programs where a refund is expressly offered, Client may submit a written refund request within fourteen (14) calendar days of purchase. Approved refunds will be issued less all payment processing fees. Refunds are not available after the refund window, once live sessions begin, or once substantial delivery has occurred. Payment processing fees are non-refundable.

9. NON-COMPETE, NON-SOLICITATION, AND COMMUNITY PROTECTION

Client acknowledges that Company provides access to proprietary communities, including student portals, messaging features, alumni spaces, and affiliated free or paid social media groups, which constitute confidential business assets.Client agrees that while enrolled in any Services or Product, and for five (5) years thereafter, Client shall not directly or indirectly solicit, recruit, contact, or attempt to contact any Pet Talk Communications student, member, or participant for the purpose of offering, promoting, marketing, or providing competing or similar courses, programs, trainings, or services. This restriction applies regardless of whether access to such individuals was obtained through paid programs, free communities, lifetime access, student portals, messaging features, replays, or Company-hosted platforms. Violation constitutes a material breach and may result in immediate termination of access without refund, removal from all Company communities, and pursuit of legal or equitable remedies.

10. INTELLECTUAL PROPERTY AND PROHIBITED USE

All content, materials, recordings, teachings, frameworks, methodologies, and intellectual property provided are owned exclusively by Pet Talk Communications. Client may not copy, reproduce, distribute, sell, sublicense, share, paraphrase, modify, or create derivative works, including offering Company content as a standalone product or part of another program. Client may not represent Company materials or methodologies as their own or use them to create competing or substantially similar offerings. Unauthorized use constitutes a material breach and may result in termination of access and legal action.

11. COMMUNITY CONDUCT

Client agrees to engage respectfully in all community spaces. Company reserves the right, in its sole discretion, to remove Client for disruptive behavior, harassment, solicitation, misuse of content, or conduct harmful to the community. Removal does not entitle Client to a refund.

12. MONITORING AND ENFORCEMENT

Company reserves the right to monitor participation within its platforms and communities to ensure compliance. Use of Company platforms is a privilege, not a right, and may be restricted or revoked for violations of these Terms.

13. NO MEDICAL, PSYCHOLOGICAL, OR PROFESSIONAL ADVICE

Services and Products are educational and informational only. Company does not provide medical, psychological, therapeutic, legal, or financial advice. Participation in intuitive, energetic, or spiritual practices is voluntary and subjective. Company is not responsible for any physical, mental, emotional, or psychological outcomes.

14. THIRD-PARTY PLATFORMS

Company is not responsible for disruptions, delays, or interruptions caused by third-party platforms, hosting services, payment processors, or technology providers.

15. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Company disclaims all liability for direct, indirect, incidental, or consequential damages arising from participation in the Services or Product.

16. INDEMNIFICATION

Client agrees to indemnify and hold harmless Company from any claims arising out of Client’s use of the Services or Product.

17. GOVERNING LAW

These Terms are governed by and construed in accordance with the laws of the State of Utah, without regard to conflict of law principles.

18. DISPUTE RESOLUTION AND ATTORNEYS’ FEES

The Parties agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services or Product shall first be submitted to good-faith mediation before a mutually agreed-upon mediator. Mediation shall take place in Washington County, Utah, or remotely if agreed by the Parties. If mediation is unsuccessful, any legal action shall be brought exclusively in the state or federal courts located in Washington County, Utah. In the event Company prevails in any dispute, Client agrees to pay all reasonable attorneys’ fees, mediation costs, court costs, and expenses incurred by Company in connection with such dispute.

19. SURVIVAL

Provisions relating to intellectual property, confidentiality, disclaimers, limitation of liability, indemnification, payment obligations, dispute resolution, and governing law shall survive termination.

20. ENTIRE AGREEMENT

These Terms constitute the entire agreement between the Parties and supersede all prior communications or agreements.