Rule Benders — Master Terms of Use

Last updated: 16/08/2025

Governing Entity: Rule Benders Life & Business Coaching Limited ("Rule Benders," "we," "us," or "our").
Contact: info@rule-benders.com

Binding Nature. By purchasing, accessing, or participating in any Rule Benders product, service, program, membership, tool, or experience (collectively, the "Services"), you ("Client," "Participant," or "User") agree to be legally bound by these Master Terms of Use (the "Master Terms") and any applicable Product Addendum (each, an "Addendum"). These Terms are intended to protect both you and Rule Benders.

1. General Scope & Structure

1.1 Application. These Master Terms apply to all Services unless expressly superseded by an applicable Addendum.

1.2 Addenda. Addenda (organized by product and referenced from our website or checkout) provide offer-specific terms including deliverables, payment structures, refund eligibility, and access rights.

1.3 Hierarchy. Where an Addendum expressly differs from these Master Terms, the Addendum controls for that Service; otherwise, both apply together.

1.4 Consent. By proceeding with payment or accessing any content, you confirm you have read, understood, and agreed to be legally bound by the Master Terms and any relevant Addendum.

2. Definitions (Summary)

• Content means all materials provided by Rule Benders (for example modules, videos, audio, worksheets, templates, scripts, frameworks, community posts, and recordings).
• Lifetime access means the lifetime of a program as offered and supported by Rule Benders, not your lifetime.
• Third-Party Platforms include tools Rule Benders uses to deliver Services (for example WordPress, LearnWorlds, Kajabi, Zoom, Slack or Circle, ActiveCampaign, ManyChat, SamCart, Paddle, Stripe or PayPal, Google Drive, Vimeo, Meta or Instagram or Facebook, OpenAI or similar AI services).

3. Eligibility & Account Use

3.1 Age. You must be at least 18 years old to purchase or use the Services.

3.2 Account Accuracy. You agree to provide accurate, complete, and current information when registering or making purchases and to maintain the security of your login credentials.

3.3 Single-User License. Unless expressly authorized in writing: (a) Services are licensed for one individual; (b) logins may not be shared; (c) multi-user or corporate licenses require a separate agreement; and (d) purchasing with the intent to resell or distribute is prohibited.

3.4 Suspension. We may suspend or terminate access without refund for violations of these Terms.

4. Intellectual Property; License; Prohibited Uses

4.1 Ownership. Rule Benders retains all copyrights, trademarks, trade secrets, database rights, and other IP rights in or to the Content and the Services, including all derivative works, methods, systems, and processes (for example proprietary prompts, frameworks, funnels, auditing methods, and SOPs). Nothing in this Agreement transfers ownership to you. All rights not expressly granted are reserved.

4.2 License Grant. Upon purchase or authorized access, Rule Benders grants you a limited, revocable, non-exclusive, non-transferable license to use the Content solely for your personal or internal business use as permitted by these Terms and any Addendum.

4.3 Prohibited Uses. Without our prior written consent, you may not: (a) copy, edit, translate, train other AI models on, distribute, or reproduce Content; (b) share Content with non-purchasers; (c) claim authorship of Rule Benders Content; (d) incorporate Content into products, courses, programs, or trainings for resale; (e) use Content for client delivery, team-wide implementation, or corporate training; (f) share, sell, or barter login credentials or access; or (g) create substantially similar or confusingly similar works.

4.4 Enforcement. We actively monitor for unauthorized use. Any violation may result in immediate access revocation without refund, legal action, and pursuit of all available remedies.

4.5 Gifted or Complimentary Access. Complimentary access (if offered) is non-transferable, may exclude paid-level support or bonuses unless stated, may be revoked for misuse or inactivity or breach, and may expire on a stated date unless purchased. You may not gift complimentary access to third parties without written approval.

5. Payment Terms & Chargeback Policy

5.1 Payment Authorization. By completing a purchase, you authorize Rule Benders (via Paddle as merchant of record and or other secure processors, including SamCart or Stripe or PayPal) to process the full transaction amount according to the payment terms displayed at checkout and in any applicable Addendum. Prices are in USD unless otherwise specified.

5.2 Installment Plans. If you select a payment plan: (a) all installments are due in full regardless of satisfaction or participation; (b) you authorize recurring charges per the agreed schedule; (c) failed payments must be remedied within five calendar days of notice; (d) after two failed attempts with no response, your account may be suspended and the balance sent to collections; and (e) suspension or termination for non-payment does not cancel your obligation to complete the plan.

5.3 Non-Payment. Overdue balances may result in suspension or revocation of access, withholding of deliverables or bonuses or support, and referral to collections.

5.4 No Withholding. You may not withhold or offset payments for any reason unless required by law.

5.5 Chargebacks. Before initiating a chargeback, you must email info@rule-benders.com and allow seven business days for resolution. Unwarranted chargebacks are a material breach and may result in immediate termination of Services, dispute of the chargeback with full documentation, reporting of misuse to processors or authorities, and recovery of associated fees and damages.

5.6 Taxes & Currency. You are responsible for all taxes, duties, and currency conversion or FX fees.

6. Refund Policy (General)

6.1 Default Policy. Unless expressly stated otherwise in an Addendum, all sales are final and non-refundable after fourteen days from purchase.

6.2 Digital Content. If you request or receive immediate access or download of digital content, you acknowledge and agree that any statutory cooling-off right ends once you access or download the materials.

6.3 Coaching or Live Services. Fees for sessions already delivered are non-refundable.

6.4 Conditional Guarantees. If a Service offers a conditional guarantee, eligibility requirements will be set forth in the relevant Addendum. Failure to satisfy all conditions voids eligibility.

6.5 Requests. Where a conditional guarantee applies, you must email info@rule-benders.com by the stated deadline with required documentation. Approved refunds will be processed to the original payment method within thirty days of approval.

6.6 Non-Qualifying Situations. Refunds will not be granted for change of mind or personal circumstances, failure to participate or access materials, dissatisfaction where deliverables match the description, late or incomplete claims, or missed deadlines.

6.7 Payment Plan Obligations. If a refund request is denied, you remain responsible for all remaining payments in any active plan.

6.8 Final Determination. Refund determinations are at Rule Benders sole discretion.

7. Access & Delivery

7.1 Delivery Methods. Services may be delivered through live sessions, recorded modules or audio trainings or masterclasses, digital portals or learning platforms, downloads, and communities.

7.2 Access Timelines. Unless otherwise stated: (a) digital products include a minimum of six months access; (b) memberships are accessible only while payments remain current; (c) live or cohort programs may have time-limited access to replays or portals as stated; and (d) "lifetime access" refers to the lifetime of the program. We may retire or discontinue a program at any time with at least thirty days notice to affected participants.

7.3 Replay & Recording Availability. Where live sessions are recorded, replay access and expiration will be stated. We are not responsible for replay availability if Third-Party Platforms experience outages or failures beyond our control.

7.4 Content Updates & Retirements. We may update, replace, or remove outdated or inaccurate materials at any time. We have no obligation to provide prior versions. If a Service is retired, any guaranteed or lifetime access ends upon retirement, subject to the notice period in section 7.2.

7.5 Monitoring & Compliance. We may monitor portal usage, downloads, and community participation to ensure compliance. Accounts in violation may be suspended or terminated without refund.

8. Platform Dependencies

8.1 Third-Party Platforms. Many Services are delivered or supported through Third-Party Platforms. Access may require you to create and maintain your own accounts.

8.2 Availability & Changes. Rule Benders is not responsible for downtime, feature removals, account terminations, or technical or policy changes. If a platform change affects delivery, we may transition, replace, or retire the affected component without refund, provided core deliverables remain available during the stated access period.

8.3 Compliance with Platform Terms. Your use is subject to each platform's terms and policies.

8.4 External APIs & Integrations. We do not guarantee integrations will remain functional indefinitely and are not liable for changes to APIs or data access rules.

8.5 Lifetime Access Contingency. Any "lifetime" rights are contingent on continued availability of the hosting platform. We may provide alternative delivery at our discretion but are not obligated to recreate or rehost retired materials in perpetuity.

9. Use of AI-Generated Materials

9.1 Incorporation of AI. Certain Services may use AI or machine learning technologies.

9.2 Ownership. Unless stated in an Addendum: (a) all AI prompts, templates, workflows, and instructional materials remain the IP of Rule Benders; (b) you may use AI-generated outputs for your personal or internal business use only; and (c) you may not resell, repackage, redistribute, train other AI systems on, or incorporate prompts or outputs into courses, client work, or digital products without written permission.

9.3 Accuracy & Limitations. We do not guarantee AI outputs are accurate, complete, current, or free of bias or errors. They are not professional advice.

9.4 Compliance Obligations. Do not input sensitive personal data or confidential material into any AI tool we provide. You are responsible for legal compliance.

9.5 Disclaimer of Liability. Use AI outputs at your own risk.

10. Privacy & Data Policy (Summary)

Your use of the Services is governed by our full Privacy Policy below. By using the Services, you consent to receiving email or SMS communications (opt-out available), use of cookies or pixels or analytics, secure processing of account and transaction information, and use of aggregated or anonymized data for internal optimization and marketing.

11. Testimonials, Recordings & Public Comments

11.1 Consent to Use. Your feedback or statements may be recorded and used for marketing or education.

11.2 Recorded Calls. Participation constitutes consent to recording and replay use. You waive any right to review or approve such recordings.

11.3 License Granted. You grant Rule Benders a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable license to use your testimonials or recorded contributions.

11.4 Identification. Your name, likeness, business name, title, and geography may be used unless you request otherwise in writing before publication.

11.5 No Expectation of Privacy. Group comments may be visible to others.

11.6 No Compensation. No royalties or payment will be provided.

12. Community Standards

12.1 Purpose. Our spaces are designed for respectful, productive, supportive interaction.

12.2 Respectful Engagement. Treat all participants and staff with respect and professionalism.

12.3 Confidentiality. Maintain confidentiality of peer discussions unless consent is given to share.

12.4 Prohibited Conduct. No harassment, discrimination, defamation, threats, incitement, spamming, or illegal content.

12.5 IP Respect. Do not copy or repurpose proprietary materials without written permission.

12.6 Enforcement. We may remove participants and revoke access without refund for violations.

12.7 No Guaranteed Privacy in Groups. Exercise discretion when sharing sensitive information.

13. Disclaimers & No Guarantees

13.1 Educational Use Only. Services are educational and informational, not professional advice.

13.2 No Earnings or Performance Guarantees. Results vary.

13.3 Assumption of Risk. You accept full responsibility for outcomes.

13.4 Compliance. You are responsible for legal compliance in your jurisdiction.

13.5 Third-Party Tools. We are not responsible for changes or enforcement actions by providers.

13.6 Release. To the fullest extent permitted by law, you release Rule Benders and affiliates from liability for direct or indirect damages arising from use of our Services.

14. Limitation of Liability

14.1 Maximum Liability. Total liability shall not exceed the amount you paid for the specific Service.

14.2 Excluded Damages. We are not liable for indirect or special damages including lost profits, data, or opportunity.

14.3 Third-Party Platforms. Limitations in section 8 apply.

14.4 Force Majeure. We are not responsible for delays or failures outside our control.

14.5 Allocation of Risk. These limitations are fundamental to this Agreement.

15. Governing Law & Dispute Resolution

15.1 Governing Law. Laws of Cyprus apply. EU or UK consumers may have additional mandatory protections.

15.2 Good-Faith Resolution. Email info@rule-benders.com with a detailed description to attempt resolution.

15.3 Binding Arbitration. If unresolved, disputes go to final and binding arbitration in Cyprus under commercial rules, before a single neutral arbitrator. Remote participation may be permitted. The award will be confidential, final, and binding.

15.4 Waiver of Class Actions & Jury Trials. To the extent permitted by law, disputes are resolved only on an individual basis.

15.5 Small Claims Exception. Either party may bring an individual action in small claims court where permitted.

15.6 Attorneys’ Fees. The prevailing party is entitled to reasonable attorneys’ fees and costs, except where prohibited.

15.7 Limitation of Claims. Any claim must be filed within one year after it arose.

16. Amendments

16.1 Right to Modify. We may amend these Terms, the Privacy Policy, and any Addendum at any time.

16.2 Notice. Material changes will be notified by email and or prominent in-platform notice.

16.3 Effective Date & Acceptance. Changes are effective upon posting unless stated otherwise. Continued use constitutes acceptance.

16.4 Version Control. We may maintain an archive of prior Terms.

17. Contact & Support

17.1 Primary Channel. Submit program-related inquiries and support requests to info@rule-benders.com.

17.2 Response Times. We aim to respond within two to three business days, excluding weekends and Cyprus public holidays.

17.3 Client Responsibilities. Monitor your account email, provide requested documentation promptly, and notify us of delays.

17.4 Support Limits. We are not responsible for missed deadlines or access issues caused by client delays or third-party outages. Standard support covers access, navigation, and policy clarifications.

18. Low-Ticket Offers (LTOs)

18.1 Definition. Digital products, courses, templates, workshops, or bundles under 500 USD.

18.2 All Sales Final. LTO purchases are final and non-refundable.

18.3 License & Restrictions. Single, non-transferable license. No sharing, resale, or client delivery without consent.

18.4 No Live Coaching. Unless stated at checkout.

18.5 Platform Dependency. Platform terms and outages may affect access.

18.6 Compliance. You are responsible for lawful use and compliance.

18.7 AI Disclaimer. AI outputs are suggestions only.

18.8 Modifications or Termination. We may update or remove LTO content. Access may be revoked for violations.

19. Acceptance & Electronic Signature

By completing a purchase, checking any box indicating agreement, or accessing any Services, you acknowledge and agree to be bound by these Master Terms and any applicable Addendum and consent to enter this Agreement electronically with the same legal effect as a handwritten signature.

20. Miscellaneous

• Severability. If any provision is held invalid, the rest remain in force.
• Entire Agreement. These Master Terms and applicable Addenda constitute the entire agreement.
• Assignment. You may not assign without our written consent. We may assign to an affiliate or successor.
• No Waiver. Failure to enforce is not a waiver.
• Interpretation. Headings do not affect interpretation.
• Survival. Provisions by their nature survive termination.
• Export or Use Restrictions. You warrant compliance with applicable export control and sanctions laws.
• Territorial Restrictions. Access may not be lawful in certain jurisdictions; you are responsible for compliance.

Privacy Policy

Last updated: 16/08/2025

Contact: info@rule-benders.com

This Privacy Policy explains how Rule Benders collects, uses, shares, and safeguards personal data.

1. Data We Collect

• Personal Data: Name, email, billing address, transaction records, and communications when you purchase or contact us.
• Technical or Usage Data: IP address, device or browser, pages viewed, time on site, referral sources, cookies or pixels or analytics identifiers.
• Program Data: Progress, submissions, community posts, call attendance, and support interactions.
• Marketing Preferences: Opt-in or opt-out status for email or SMS; lead source tags.
• Payment Data: Processed securely by providers. We do not store full card numbers.

2. Lawful Bases (GDPR or UK GDPR)

• Contract to deliver Services you purchase.
• Legal obligation for tax or audit, fraud prevention, compliance.
• Legitimate interests for service improvement, analytics, security, and direct marketing to customers where balanced against rights.
• Consent for optional communications and certain cookies where required. You may withdraw consent at any time.

3. How We Use Data

• Process orders, deliver content, and provide support.
• Personalize experiences, recommend relevant content, and improve Services.
• Send transactional messages and, with consent or lawful basis, marketing communications.
• Maintain security, prevent fraud or abuse, and enforce our Terms.
• Comply with legal and regulatory requirements.

4. Sharing & International Transfers

• Processors or Providers: For example Paddle, SamCart, Stripe or PayPal, LearnWorlds or Kajabi, ActiveCampaign, ManyChat, Zoom, Slack or Circle, Google Drive, Vimeo, Meta, analytics or cookie providers, and AI vendors.
• No Sale of Personal Data. We do not sell personal data.
• Legal Disclosures: We may disclose where required by law or lawful authorities.
• International Transfers: Data may be transferred outside your jurisdiction. We use appropriate safeguards where required.

5. Retention & Security

We retain data only as long as necessary for the purposes set out above and legal requirements. We apply technical and organizational measures proportionate to risk. You are responsible for keeping your credentials secure and using supported devices or browsers.

6. Your Rights (EU or UK)

Rights include access, rectification, erasure, restriction, objection, portability, and withdraw consent. Marketing opt-out via unsubscribe links or by emailing us. Complaints may be lodged with your local supervisory authority. To exercise rights, email info@rule-benders.com. We may require identity verification.

7. Cookies & Tracking

We use cookies, pixels, and similar technologies for functionality, analytics, and marketing. Where required, we will request consent via a cookie banner and honor your preferences. You can control cookies in your browser; disabling may impact functionality.

8. Children

Our Services are not intended for children under 18. We do not knowingly collect children’s data.

9. Changes to this Policy

We may update this Policy. Material changes will be notified via email and or site notice. Continued use indicates acceptance.

Refund Policy

Last updated: 16/08/2025

Contact: info@rule-benders.com

1. General

• Unless stated otherwise in an Addendum, purchases are eligible for a 14-day refund window from purchase.
• Requests must be made in writing to info@rule-benders.com within 14 days.
• Approved refunds are processed to the original payment method within 5 to 10 business days after approval.

2. Exceptions & Conditions

• Digital Content: If you request or receive immediate access or download, you waive the 14-day cancellation right once accessed.
• Coaching or Live Services: Fees for completed sessions are non-refundable.
• Conditional Guarantees: Where offered, all criteria must be met by stated deadlines.
• After 14 Days: All sales are final.

Product Addenda (Templates)

Relationship to Master Terms. Each Addendum is incorporated into and governed by the Master Terms. Where an Addendum expressly differs, the Addendum controls for that Service.

A. Mastermind or High-Touch Program Addendum (Template)

• Program Overview. High-touch mastermind with coaching, peer accountability, resources, and private community.
• Payment Options. Paid-in-Full, 6-Month Plan, or 12-Month Plan.
• Payment Obligations. Full amount due regardless of participation. Late or failed payments may result in suspension without refund.
• Cancellation. Not permitted after enrollment, with narrow exceptions for life-threatening situations at Rule Benders discretion.
• Confidentiality. Coaches maintain confidentiality except as required by law or anonymized supervision. You agree not to share others information or proprietary materials.
• Refund Policy. All sales final except any conditional guarantee expressly offered at checkout.
• Testimonials or Recordings; Conduct & Removal; IP & License; Indemnification; Disputes; Limitation of Claims as per Master Terms.

B. Membership (Subscription) Addendum (Template)

• Overview. Subscription program with resources, group calls, and community access.
• Pricing & Auto-Renewal. Monthly and or annual plans billed automatically.
• Cancellation. Email with subject "MEMBERSHIP CANCELLATION" at least 24 hours before renewal to avoid next-period charge.
• Payment Failures. Overdue accounts may be paused or terminated and must re-enroll at then-current rate.
• Refunds. All sales final except any first-purchase conditional guarantee expressly stated at checkout.
• Technology Requirements & Sharing. You are responsible for suitable devices or internet. No account sharing.
• IP or Use; Disclaimers or Indemnity or Governing Law as per Master Terms.

C. Cohort Course (Live) Addendum (Template)

• Overview. Live scheduled cohort with modules, coaching calls, office hours, and implementation weeks at our discretion.
• Pricing Options. Paid-in-Full, 6-Payment Plan, 12-Payment Plan.
• Billing & Late Payments. Recurring installments monthly. Cure failures within six days or incur a reasonable late fee and suspension risk.
• Review or Certification Timing. May unlock after a number of successful payments.
• Early Pay Option. May be offered at our discretion.
• Access & Delivery. Curriculum released over the cohort duration. Lifetime access applies to original course materials only.
• Cancellation. Not permitted after enrollment.
• Refund Policy (Conditional Guarantee). If offered, may allow a refund within a stated window upon proof of work and timely request.
• Conduct or Removal; Testimonials; IP; Indemnification; Disputes; Limitation of Claims as per Master Terms.

D. Self-Paced Course (DIY) Addendum (Template)

• Overview. Self-paced access to core training modules and resources. No live coaching unless expressly included.
• Pricing & Plans. Paid-in-full or short payment plans.
• Payment Plan Access. Content may be drip-released aligned to payment completion at our discretion.
• Access Duration. Lifetime means for as long as we continue to offer and maintain the program in its current format or location.
• Cancellation & Refunds. All sales final unless a conditional guarantee is expressly offered.
• IP or Use; Disclaimers; Indemnification; Disputes as per Master Terms.

E. AI Assistants & Tools Addendum (Template)

• Product Overview. Proprietary AI-powered assistants and or prompt packs derived from Rule Benders IP.
• Platform & Availability. Hosted on Third-Party AI infrastructure. No guarantee of uninterrupted service.
• Payment Terms. As stated at checkout. Payment required prior to access.
• Access Duration. Lifetime means for as long as the product exists in its current format or location.
• Cancellation & Refunds. Typically all sales final unless a conditional guarantee is expressly stated.
• Confidentiality & License. Limited, revocable, non-transferable license for personal or internal business use only.
• Disclaimers; Indemnification; Disputes as per Master Terms.

F. A-La-Carte Reviews or Alumni Options Addendum (Template)

• Eligibility & Fees. Available to alumni or as stated at checkout.
• Scope. One structured review with feedback. Not legal advice. No outcome guarantees.
• Delivery. Within a stated period after complete submission.
• Refunds. Non-refundable.
• IP or Use. Feedback is for your personal business use only.
• Liability Cap. Limited to the amount paid for the standalone review.
• Disputes or Governing Law. As per Master Terms.