Terms of Use

Effective Date: June 18, 2026

These Terms of Use (these "Terms") govern your access to and use of TransformingBillions.com and the services, content, programs, community spaces, and events offered by Transforming Billions ("Transforming Billions," "we," "us," or "our") (collectively, the "Services"). By using the Services, or by clicking to accept these Terms at purchase or signup, you ("you" or "your") agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you may not access or use the Services.
THESE TERMS INCLUDE AN AGREEMENT TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION AND A WAIVER OF CLASS CLAIMS AND THE RIGHT TO A JURY TRIAL, AS SET FORTH IN SECTION 20 BELOW.

1. What We Offer

Transforming Billions provides coaching, consulting, speaking, digital content, courses, community spaces, programs, and events. Our content is for educational and informational purposes only. 

2. Eligibility

You must be at least eighteen years of age and able to enter into a binding agreement to use the Services. By using the Services, you represent and warrant that you meet these requirements.

3. Not Professional Advice

Transforming Billions provides coaching and education. We are not a licensed psychologist, therapist, physician, financial advisor, attorney, or other licensed professional, and the Services are not a substitute for professional medical, mental health, financial, or legal care.

Nothing we provide constitutes medical, psychological, financial, or legal advice, and we do not diagnose or treat any condition. You are solely responsible for your own decisions, actions, results, health, and finances. If you need professional care, consult a licensed professional. Some material may evoke strong emotions; if you have a history of a mental health condition, consult a licensed professional before participating. If you experience an adverse reaction, discontinue use and seek professional support immediately.

From time to time we may feature guest experts, licensed professionals, or other contributors in our webinars, teachings, and offerings, and these individuals may be based and licensed in countries other than your own. Anything they share is for general educational purposes and represents their own views, not ours. The fact that a contributor is licensed in their own jurisdiction does not create a professional relationship with you, does not constitute professional advice in your jurisdiction, and is not a substitute for care from a professional licensed where you live. Always consult your own licensed professional before acting on anything shared.

4. No Guarantee of Results

We share frameworks and guidance that have helped others, but every person and situation is different. We do not and cannot guarantee any specific result, income, or outcome. Your results depend on many factors within your own control.

5. Payments, Deposits, and Refunds
  • Fees are stated at the time of purchase or in your individual agreement.
  • A deposit toward a larger package is non-refundable and is applied toward your total, unless your written agreement states otherwise.
  • Payment may be made by various methods, including but not limited to cards, PayPal, bank or wire transfer, and digital wallet or cryptocurrency options, each processed by third-party providers under their own terms. We are not responsible for errors made by a payment processor. If a pricing or billing error occurs, we reserve the right to correct it and to cancel any order placed based on an incorrect price.
  • One-on-one sessions and services are non-refundable.
  • Digital products are refundable within thirty (30) days of purchase. Where a digital product or package includes one-on-one time, any refund will be reduced by the standard listed price of that one-on-one service at the time of purchase.
  • For programs and services governed by an individual written agreement, such as private circles and immersions, the refund and deposit terms set out in that agreement apply.
  • Contributions are voluntary, non-refundable, and are not payment for services.
7. Intellectual Property, Trademarks, and Confidentiality
Ownership

The Services and all of their contents, including all text, written materials, audio, video, recordings, mages, designs, graphics, course and program materials, assessments, and the structure, selection, and arrangement of all of the foregoing, together with the proprietary frameworks, methodologies, models, and original concepts known as the SAGE Framework™, AuthorityDNA™, Innate Authority™, the Dynamic Trinity™, Your Living Lexicon™, and Luminary Ripples™, are the exclusive property of Transforming Billions and its licensors, and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. These frameworks and methodologies are original works and proprietary systems developed by us. You acquire no ownership interest in any of them through your use of the Services, and we reserve all rights not expressly granted in these Terms.

Limited License

We grant you a limited, personal, non-transferable, non-sublicensable, revocable license to access and use the content of the Services solely for your own personal, non-commercial use, and solely for your own participation in any program you have purchased. This license does not permit you, and you agree that you will not, without our prior written consent, do any of the following:

  • Copy, reproduce, record, screen-capture, photograph, transcribe, download (other than ordinary page caching), republish, post, transmit, distribute, sell, resell, license, sublicense, rent, or lease any part of the Services or their content.
  • Modify, adapt, translate, or create derivative works from any part of the Services, the content, or the frameworks and methodologies.
  • Use any part of the Services, content, frameworks, or methodologies for any commercial purpose, or to build, teach, or market a competing product, program, or service.
  • Use any robot, spider, scraper, or other automated means to access, harvest, or extract any content, data, communications, or submissions from the Services.
  • Use any content, communications, submissions, or materials from the Services to train, fine-tune, or develop any artificial intelligence system or large language model.
  • Remove, alter, or obscure any copyright, trademark, or other proprietary rights notice.

Any unauthorized use immediately terminates the license granted to you, and you must, at our demand, return or destroy any copies of the content you have made.

Trademarks

AuthorityDNA™, Innate Authority™, the SAGE Framework™, the Dynamic Trinity™, Your Living Lexicon™, Luminary Ripples™, Transforming Billions, and our logos, brand names, and the look and feel of the Services are our trademarks and trade dress. They may not be copied, imitated, or used, in whole or in part, without our prior written permission. Your misuse of our trademarks is strictly prohibited.

Confidential and Proprietary Materials

Certain materials made available within our programs, circles, and sessions are confidential and proprietary, including our frameworks, methodologies, tools, exercises, and the materials and discussions shared within private or semi-private settings. You agree to hold such materials in confidence, to use them only for your own participation, and not to disclose, distribute, or use them for any other purpose. You acknowledge that any unauthorized use or disclosure of our proprietary or confidential materials may cause us irreparable harm for which monetary damages would be inadequate, and that we are therefore entitled to seek injunctive and other equitable relief, in addition to any other remedies available, without the necessity of posting a bond.

8. Recordings and Use of Likeness

When you participate in a session, call, or program with us, you grant us a royalty-free, non-exclusive license to record it and to use those recordings for our notes, for delivering and improving the Services, and for educational or promotional purposes, in accordance with our Privacy Policy. By joining a group coaching call or program session that is being recorded, you consent to being recorded, and if you prefer not to appear you may keep your camera and microphone off and participate through other means where available.
For any recording we share publicly or sell, we use only content featuring us together with de-identified questions or material, unless you give written permission to appear. This protects your privacy while allowing us to create helpful content.

9. No Recording or Redistribution by You

Except with our prior written permission, you may not record, screen-capture, photograph, download, copy, transcribe, share, or redistribute any session, class, group program, one-on-one session, speaking engagement, webinar, livestream, video, or other content we provide, whether live or recorded. This applies to all paid and free content, including content on third-party platforms. Any permitted recording remains our property and is licensed to you for your personal use only.

10. Right to Decline or End Service

We may decline, limit, or end service at our discretion, subject to applicable law. This includes situations where a person's needs fall outside our scope as a coach, where licensed medical, mental health, or other professional care would be more appropriate, or where continuing to provide services would be inappropriate, would compromise the integrity of the work, or could risk harm. Where you have prepaid for unused services, any refund in these circumstances will be handled in accordance with your individual agreement.

11. Community Conduct

We may decline, limit, or end service at our discretion, subject to applicable law. This includes situations where a person's needs fall outside our scope as a coach, where licensed medical, mental health, or other professional care would be more appropriate, or where continuing to provide services would be inappropriate, would compromise the integrity of the work, or could risk harm. Where you have prepaid for unused services, any refund in these circumstances will be handled in accordance with your individual agreement.

12. Acceptable Use

You agree not to misuse the Services or help anyone else do so. Without limitation, you agree not to:

  • Disrupt, interfere with, or attempt to compromise the security or integrity of our systems, networks, or the Services.
  • Introduce any virus, malware, harmful code, or malicious software into the Services.
  • Scrape, harvest, crawl, or use any bot, spider, or automated tool to extract data or content from the Services.
  • Infringe our intellectual property rights or the rights of any third party.
  • Impersonate Transforming Billions, its owner, or any other person or entity.
  • Use the Services for any fraudulent, deceptive, harmful, or unlawful purpose.
13. User-Generated Content

The Services may allow you to post, submit, or share comments, feedback, testimonials, posts, or other materials ("User Content"). You retain ownership of any intellectual property rights you hold in your User Content. By posting or submitting User Content, you grant Transforming Billions a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, sublicensable, and transferable license to use, reproduce, distribute, display, perform, and modify your User Content in connection with operating and promoting the Services.

You represent and warrant that you own or have the necessary rights and permissions to share your User Content, and that it does not infringe the intellectual property, privacy, or publicity rights of any third party. You agree not to post User Content that is unlawful, defamatory, abusive, harassing, threatening, or hateful; that contains pornography, nudity, or graphic violence; that is spam, unauthorized advertising, malware, or a virus; or that promotes illegal activity or violates any applicable law.

We have the right, but not the obligation, to monitor, edit, or remove any User Content at our sole discretion, at any time and for any reason, without notice. We assume no liability or responsibility for any User Content posted by you or any third party.

14. Digital Millennium Copyright Act (DMCA) Policy

We respect intellectual property rights and respond to clear notices of alleged copyright infringement
under the Digital Millennium Copyright Act.

Submitting a takedown notice

A copyright owner may send a written notice to our Designated Agent that includes, as required under 17 U.S.C. § 512(c)(3): a physical or electronic signature; identification of the copyrighted work claimed to be infringed; identification of the material claimed to be infringing and its specific location, such as the URL; your contact information, including name, address, telephone number, and email; a statement of good-faith belief that the use is not authorized; and a statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the owner.

Designated Agent

Notices may be sent to our Designated Agent, attention Copyright Agent, by email at support@transformingbillions.com.

Counter-notice and repeat infringers

If your material was removed by mistake or misidentification, you may submit a counter-notification with the required identification, signature, and statements. We will, in appropriate circumstances, terminate access for users who repeatedly infringe the copyrights of others.

15. Termination and Suspension

We reserve the right, in our sole discretion and without prior notice or liability, to suspend, restrict, or terminate your access to the Services, or delete your account, at any time, for any reason or no reason, including any violation or suspected violation of these Terms.

Upon termination, your right to use the Services ceases immediately. We are under no obligation to maintain or forward any data associated with your account, and we will not be liable to you or any third party for any loss of data, loss of business, or other loss arising from the termination of your access.

Provisions that by their nature should survive termination will survive, as set out in the Amendments, Severability, and Survival section.

16. Third-Party Links and Tools

The Services may link to or use third-party tools and websites. We are not responsible for their content, practices, or policies, and your use of them is at your own risk and subject to their terms.

17. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

18. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TRANSFORMING BILLIONS, ITS OWNER, OR ANYONE ACTING ON ITS BEHALF BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, EMOTIONAL DISTRESS, OR PERSONAL INJURY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100.00) OR THE TOTAL AMOUNT YOU ACTUALLY PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE. NOTHING IN THESE TERMS LIMITS OR EXCLUDES LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR ANY OTHER LIABILITY THAT CANNOT LAWFULLY BE LIMITED OR EXCLUDED.

19. Indemnification

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS TRANSFORMING BILLIONS, ITS OWNER, AND ANYONE ACTING ON ITS BEHALF FROM AND AGAINST ANY AND ALL THIRD-PARTY CLAIMS, LIABILITIES, DAMAGES, LOSSES, COSTS, AND EXPENSES, INCLUDING REASONABLE ATTORNEYS' FEES AND COURT COSTS, ARISING OUT OF OR CONNECTED WITH YOUR ACCESS TO, USE OF, OR MISUSE OF THE SERVICES; YOUR USER CONTENT OR SUBMISSIONS; YOUR BREACH OR ALLEGED BREACH OF THESE TERMS; OR YOUR VIOLATION OF ANY LAW OR THE RIGHTS OF ANY THIRD PARTY.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense. For the avoidance of doubt, your indemnification obligations are not subject to the liability cap set out elsewhere in these Terms.

20. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal resolution. You and Transforming Billions agree to work in good faith to resolve any dispute informally for thirty (30) days before initiating arbitration.

Binding arbitration. If a dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be settled by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, and governed by the Federal Arbitration Act. The arbitration will take place in Atlanta, Georgia, unless you and Transforming Billions agree otherwise.

Exceptions. Either party may bring a qualifying individual claim in small claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or confidential materials.

Class action and jury trial waiver. YOU AND TRANSFORMING BILLIONS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. BOTH PARTIES WAIVE THE RIGHT TO A JURY TRIAL. If the class-action waiver is found unenforceable, that dispute will be decided by a court of competent jurisdiction, and the remainder of this section remains in effect.

Batching of mass claims. If twenty-five (25) or more similar arbitration demands are filed against Transforming Billions by or with the assistance of the same counsel or coordinated group, the claims will be administered in batches of up to fifty (50) at a time, and the parties agree to pause the remaining  demands until the active batches are resolved.

21. Governing Law and Venue

These Terms, and any dispute arising out of them, are governed by the laws of the State of Georgia, United States, without regard to conflict-of-law rules, except where a consumer's local law requires otherwise. For any dispute not subject to arbitration, you and Transforming Billions consent to the exclusive jurisdiction and venue of the state and federal courts located in Atlanta, Georgia.

22. Electronic Communications

By using the Services, you consent to receive communications from us electronically, and you agree that electronic communications satisfy any legal requirement that such communications be in writing.

23. Amendments, Severability, and Survival
Changes to these Terms

We may modify these Terms from time to time. If we make material changes, we will provide notice by posting a prominent notice on our website or by email before the changes take effect. Your continued use of the Services after the Effective Date constitutes binding acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services before they take effect.

Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, that provision will be limited or modified to the minimum extent necessary to make it valid and enforceable. If it cannot be made valid, it will be severed, and the remaining provisions will continue in full force and effect.

Survival

Provisions that by their nature are intended to survive termination will survive, including, without limitation, the sections on Intellectual Property, Trademarks, and Confidentiality; Disclaimer of Warranties; Limitation of Liability; Indemnification; Dispute Resolution, Arbitration, and Class Action Waiver; and Governing Law and Venue, together with any accrued payment obligations.

24. Entire Agreement and Waiver

These Terms, together with our Privacy Policy and any individual service agreement you enter into with us, constitute the entire and exclusive agreement between you and Transforming Billions regarding the Services, and supersede all prior or contemporaneous communications, representations, or agreements, whether oral, written, electronic, or implied.

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. Any waiver must be in writing and signed by the owner of Transforming Billions to be valid.

25. Contact

Questions about these Terms may be sent to:

Email: support@transformingbillions.com