Business Policy

TERMS AND CONDITIONS OF USE

Last Updated on September 8, 2026

These are the official Terms​ ​and​ ​Conditions​ ​of​ ​Use​ ​for​ Thriving for Equity, Inc. located at 1813 Fairbank Rd., Baltimore, MD 21209, herein known and referenced as “Company,” “Our,” “We,” and “Us.”

Our email is debshine@thrivingforequity.com. “You” and “Your” refers to users of this Company’s website, communications, offerings and related materials, herein known as “Offering.”

NOTICE: These​ ​Terms​ ​and​ ​Conditions​ ​of​ ​Use​ ​are​ ​legally​ ​binding.​ ​It​ ​is​ ​Your responsibility​ ​to​ ​read​ ​these​ ​Terms​ ​and​ ​Conditions​ ​of​ ​Use​ ​carefully​ ​prior​ ​to​ ​purchase, use,​ ​or​ ​access​ ​of​ ​any​ ​of​ ​Our​ ​products,​ ​including​ ​online​ ​courses, coaching or consulting packages.

BUSINESS HOURS AND ACCESS

We work a flexible schedule M-F Eastern Time, USA (GMT 0-4) which may include some evening hours Sun-Th, at our discretion. We can be expected to respond to Customer/Client emails within 24 hours M-F. On most days our response time is within 2 hours.

We are closed Friday evening at 5 pm through Sunday evening at 5 pm and most U.S. National Holidays. We work limited hours from December 19th through January 1. A specific holiday and vacation schedule for the current year is available upon request.

There are times when changes to planned coaching sessions may need to be rescheduled to accommodate travel, vacations, or unexpected events. These will be arranged as far in advance as possible to ensure delivery of agreed-upon services in a timely manner.

Customer/Clients who purchase a group or 1:1 package will receive additional details about access and scheduling in an agreement specific to that Offering. If you have not received this agreement prior to your purchase, you will receive it within 3 business days.

GENERAL PROVISIONS

This website is owned and operated by Thriving for Equity, Inc.

You must be at least eighteen years of age to use Our website. Use of this website is at Your own risk. We host Our site on a reputable platform and take reasonable efforts to maintain and host the site. However, We make no explicit representations or warranties as to the safety of Your individual use of the website. The Terms and Conditions contained on this page are subject to change at any time.

TERMS​ ​OF​ ​SITE & ​PURCHASER​ ​AGREEMENT

All products ​are owned and provided by Company.

We reserve the right to update and change these Terms and Conditions of Use at any time, and will update them accordingly with the ‘date last updated’ at the top of this page.

You are legally bound to these Terms and Conditions of Use whether or not You have read them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at the contact details listed at the top of this agreement,​ and We will make reasonable efforts to remove Your name, email, and access to Our Offering and website(s).

YOUR​ ​PRODUCT​ ​OR​ ​COURSE​ ​USE​ ​AND​ ​CONSENT

When You purchased Our Offering, You were given a reasonable notice that these Terms and Conditions of Use existed. By moving forward with Your purchase of the Offering and further access of the Offering, You implicitly agreed and continue to agree to abide by these Terms and Conditions of Use, as well as any disclaimers and privacy disclosures contained in these Terms and Conditions of Use.

You agree You are at least 18 years old or of the age of majority in Your applicable jurisdiction to access the Offering. Access of Our Offering and related materials by a minor is a violation of use, and We reserve the right to terminate Your access if such an issue is discovered.

INTELLECTUAL PROPERTY

All images, text, designs, graphics, trademarks, and service marks are owned by and property of Company, or the properly attributed party. You are being given access for personal use only. If you wish to use any of these materials with clients or to republish them, please contact us to discuss options.

LIMITED​ ​LICENSE

Any and all materials, paid or free, that You access on this or any related domains that contain Our Offering are under the sole ownership or licensed use of Company.

To be clear,  You are not allowed to reproduce any part of Our website(s), program(s), product(s), service materials, or related communications.

You are only receiving a limited, non-transferable, non-exclusive, revocable license for non-commercial use only in order to access any content or materials in the Offering You have paid for or opted to receive.

You​ ​may:

  • Access the Offering for Your personal use (unless otherwise noted, if additional members of Your team need to access the Offering, You must purchase additional Offerings at one per each team member).

  • Download and/or print any Offering materials for Your personal use in Your business (unless otherwise noted, if additional members of Your team need to download and/or print any materials from the Offering, You must purchase additional Offerings at one per each team member).

  • Use Our trademarks and copyrighted materials with Our consent and proper credit and marking, namely, using © with our Company name as the source of the materials and marking any federally registered trademarks with ® or common law trademarks with ™.

You​ ​may​ ​not:

  • Re-sell or trade Your access to the Offering.

  • Share the Offering with anyone else who has not yet purchased it or opted in to receive it.

  • Reprint or republish any of the Offering, in part or in whole.

  • Distribute any of the materials contained in the Offering or related materials and/or            communications as Your own, otherwise known as stealing.

  • Reproduce and tweak any part or whole of the Offering for distribution as Your own work.

  • Claim ownership or use over any of Our intellectual property without Our prior consent, which includes (but is not limited to): copyrights such as course materials, worksheets, workbooks, lessons, videos, and more; trademarks such as names, logos, taglines, or other unique source identifiers; or trade dress including the look and feel of the Offering (and its related communications and materials).

  • Use Our Offering or any related materials and/or communications in an unlawful way or for any illegal or unlawful purpose(s).

REQUEST​ ​FOR​ ​PERMISSION​ ​TO​ ​USE​ ​CONTENT

If You wish to use, publish, or access any of Our content, Offering(s), or related materials, You must do so by requesting permission prior to commencing use of the same by emailing Us.

SECURITY

It is Your responsibility to secure Your username and password from theft or any other means of unauthorized use that would violate these Terms and Conditions of Use. We do not store any whole credit card numbers or payment information, and instead, these are processed through third-party processors such as Stripe, Paypal, or other third party payment processors, as selected by You at checkout. ​By utilizing these payment processors to gain access to the Offering, You indemnify Us and instead assume any and all risk or liability for the security of the payment details, and agree to be bound by the third-party payment processor’s applicable terms and conditions of use.

ASSUMPTION​ ​OF​ ​RISK

​By accessing Our Offering and/or related materials, whether paid or unpaid, You assume all the risk of Your access and any subsequent actions You choose to take as a result of the influence, information, or educational materials provided to You.

DISCLAIMERS

Our website and related materials are provided for educational and informational use only. You agree to indemnify and hold harmless Our website and company for any direct or indirect loss or conduct incurred as a result of Your use of Our Offerings and any related communications, including as a result of any consequences incurred from technological failures such as a payment processor error(s) or system failure(s).

If You have medical, legal, or financial questions, You should consult a medical professional, lawyer, or CPA and/or CFP respectively. We expressly disclaim any and all responsibility for any actions or omissions You choose to make as a result of using this website, related materials, products, courses, or the materials contained herein.  

This website is updated on a regular basis and while We try to make accurate statements in a timely and effective manner, We cannot guarantee that all materials and related media contained herein are entirely accurate, complete, or up to date. You expressly acknowledge and understand that any information or knowledge You gain as a result of using this website is used at Your own risk. If You should see any errors or omissions and would like to let Us know, please email Us.

TECHNOLOGY​ ​DISCLAIMER

​We make reasonable efforts to provide You with modern, reliable technology, software, and platforms from which to access Our Offering(s) and related material(s). However, in the event of a technological failure, You accept and acknowledge Our lack of responsibility for said failure, and while We will make reasonable efforts to support You, some technological issues are far outside Our control and will require You to access support from a third-party provider. To be clear, you hold Us and Flodesk, Inc. harmless from any claims arising out of any technological failure except in the unforeseen case of gross negligence, as determined by industry standards.

PRIVACY POLICY

If You require any more information or have any questions about Our Terms and Conditions of Use, or Our Privacy Policy (posted separately and linked in the footer of this Website), please feel free to contact Us by email.

ALL​ ​RIGHTS​ ​RESERVED​

All rights not expressly granted in these Terms and Conditions of Use and Privacy Policy or any express written here, are reserved by Company.

SEVERABILITY

If any part of these Terms and Conditions of Use and Privacy Policy is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect.