TERMS AND CONDITIONS

These Terms and Conditions ("Agreement") govern participation in Hey to 100k® ("Program") offered by LivLuna LLC d/b/a Masha Goins Coaching ("Coach," "Company," "we," "us," or "our"). By enrolling in Hey to 100k®, you ("Client," "Member," or "you") agree to the following:

1. PROGRAM COMMITMENT AND FINANCIAL OBLIGATION

Hey to 100k® is a 12-month program designed for long-term transformation. Whether you choose to pay in full or through a payment plan, you are making a binding financial commitment for the entire Program investment. Payment plans are NOT memberships and are structured payment agreements for the full Program price. You cannot cancel your payment plan early without fulfilling your complete financial obligation. This is not a month-to-month subscription that can be canceled at any time.

2. PROGRAM DESCRIPTION

The Program includes a 9 Module Training Program in gamified online portal, one year of weekly business coaching calls with Masha Goins, monthly goal setting and accountability sessions with Accountability Coach, one year of live content strategy sales page offer and funnel reviews, one year of access to training modules, one year of soulful masterminding in private community, private audio podcast of trainings for on-the-go learning, virtual retreats throughout the year, and bonus materials as specified at time of enrollment which may include Trello project board guided meditations workbooks and other digital resources. Clients who purchase the VIP option receive additional 1:1 coaching services as outlined in their enrollment confirmation. All terms in this Agreement apply to both group and VIP services. Any pay-in-full bonuses VIP 1:1 coaching sessions or additional 1:1 services must be scheduled and completed within one year from the date of purchase. Access begins immediately upon enrollment and payment processing.

3. PAYMENT TERMS

If you pay in full, your financial obligation is complete upon payment. If you select a payment plan, you expressly authorize and direct us to charge your designated payment method for each installment according to your selected payment schedule until the full Program investment is paid in its entirety. This authorization shall remain in effect until all payments are completed. Payment plans create a legal obligation to pay the complete amount, regardless of your continued participation in calls or use of materials. You are responsible for ensuring your payment method remains valid with sufficient funds. Failed payments may result in immediate suspension of Program access, but your payment obligation continues. All payments are in USD and non-refundable.

4. REFUNDS

We do not offer refunds, as the Program includes immediate access to digital content, live coaching, and community spaces. If you experience temporary financial or personal hardship, you may request a payment pause for a short defined period. During the pause, access to live coaching and community may be suspended, but your payment obligation resumes after the pause period.

5. CLIENT RESPONSIBILITIES

You agree to engage meaningfully with Program content and maintain respectful behavior, ensure reliable internet access and compatible devices, and understand that coaching is collaborative. We provide tools and support, but your results depend on your commitment and action. You are solely responsible for your business decisions and outcomes. You agree to respect the privacy of fellow members and that what is shared in the group stays in the group.

6. COACH RESPONSIBILITIES

We commit to provide coaching services as outlined in the Program description, maintain professional standards and protect your confidential information, honor scheduled coaching calls and content delivery, and provide reasonable notice for any significant Program changes. Weekly coaching calls may be canceled or rescheduled due to coach illness, travel, holidays, or other circumstances beyond our control. Reasonable advance notice will be provided when possible. Missed calls due to these circumstances do not entitle clients to refunds or make-up sessions, as the Program provides a full year of access and multiple ways to receive support.

7. CONFIDENTIALITY

We honor the confidentiality of all coaching conversations and will not disclose your personal information except as required by law. You agree to respect the privacy of fellow members and not disclose their personal or business information outside the Program.

8. INTELLECTUAL PROPERTY

All Program materials and content, including the "Hey to 100k®" trademark, are the intellectual property of LivLuna LLC. You may use them for your personal business development only. You may not copy, distribute, share, or reproduce Program content without written permission.

9. TECHNOLOGY AND PLATFORM USE

You agree to use Program platforms appropriately and lawfully. Recording of sessions by participants is prohibited without written consent. Technical issues on your end do not entitle you to refunds or affect your payment obligations.

10. TERMINATION

We reserve the right to immediately terminate and remove any client from the Program without refund if they engage in disruptive harmful or disrespectful behavior, breach of confidentiality, violation of payment terms or fraudulent activity, or sharing proprietary Program content without permission. Removal from the Program does not cancel your payment obligations, which survive termination.

11. DISCLAIMERS AND LIMITATION OF LIABILITY

Coaching is not therapy, legal advice, financial advising, or medical treatment. Consult qualified professionals for these services as needed. We make no guarantees of specific financial outcomes, earnings, or business results. Testimonials represent individual experiences and are not typical results. You participate at your own risk. Our total liability is limited to the amount you paid for the Program. We are not liable for any indirect, incidental, or consequential damages.

12. FORCE MAJEURE

We shall not be liable for any delays or failure to perform our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, internet outages, or platform failures affecting online delivery of the Program.

13. PRIVACY AND DATA PROTECTION

We collect and use your personal information solely for Program delivery and communication. We do not sell or share your information with third parties except as necessary for Program administration such as payment processing or as required by law. By enrolling, you consent to our collection and use of your information for these purposes.

14. MODIFICATIONS

We reserve the right to modify these Terms at any time. Material changes will be communicated to active participants. Continued participation constitutes acceptance of modified Terms.

15. GOVERNING LAW AND DISPUTES

This Agreement is governed by Connecticut state law. Any disputes will first be addressed through good faith negotiation for a period of 30 days. If unresolved, disputes may be pursued in Connecticut state courts.

16. SEVERABILITY

If any provision of this Agreement is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.

17. CONTACT INFORMATION

For questions about this Agreement or the Program: LivLuna LLC d/b/a Masha Goins Coaching, Email: [email protected]

By enrolling in Hey to 100k®, you acknowledge that you have read, understood, and agree to these Terms and Conditions.