Terms and Conditions (T&C) 

By accessing, listening to, or viewing Manifestation FM, Secret Life of Intuitive Women, Bowman Academy, Stefsea, or any related services, websites, social media, or platforms (collectively referred to as “the Services”), you agree to the following Terms of Use. Please read these terms carefully as they govern your use of our services and products, including all audio, content, courses, events, products, and other services distributed via our platform. If you do not agree to these terms, please do not use or access the Services.
Effective Date: April 24, 2025

1. Ownership of Content

All content available on Manifestation FM, including music, audio, and other media, is either owned by or licensed to Secret Life of Intuitive Women through our agreement with Suno and other partners. You do not own any of the content, and you are not authorized to copy, distribute, or use the content for commercial purposes unless explicitly permitted.

Secret Life of Intuitive Women has been granted a commercial license to use the content as part of Manifestation FM for broadcasting, streaming, and distribution on various platforms such as our website, mobile apps, and third-party services (e.g., iHeartRadio). This license is granted by Suno and other content providers and is subject to their terms and restrictions.

2. Usage Restrictions

• For Personal Use Only: You, as the listener, are granted access to the content solely for personal, non-commercial use. You may listen to, enjoy, and share the content via personal, non-commercial means.
• No Commercial Use by Listeners: You may not use any content from Manifestation FM for commercial purposes (e.g., using it in advertisements, paid projects, or other commercial ventures) without the explicit written permission of Secret Life of Intuitive Women.

3. Third-Party Distribution

Manifestation FM may distribute content to third-party platforms like iHeartRadio, our mobile app, and other media distribution services. This distribution is done in accordance with the licensing terms set by Suno and other content providers, and is intended solely for lawful and authorized use.

If you distribute content from Manifestation FM to third parties, you do so at your own risk and are responsible for ensuring that no copyright or intellectual property rights are violated.

4. Disputes & Content Violations

If you believe that any content on Manifestation FM is under copyright or similar to a copyrighted work, you must notify us directly at info@secretlife.ca. We take such matters seriously and will investigate the issue and, if appropriate, remove the content promptly.

• No Legal Action Before Resolution: By notifying us, you agree not to pursue any legal action before giving us the opportunity to address the issue. We will review the concern and take down any content deemed to be in violation of copyright law.
• AI-Generated Content: In cases where AI-generated music or content is alleged to be similar to copyrighted material, we will promptly review the claim and remove any content if necessary.
• No Lawsuits: By listening to Manifestation FM, viewing or engaging with Secret Life of Intuitive Women‘s website, social media, or any other platforms, you agree that you will not sue, take legal action, or otherwise pursue claims against us for any content you believe to be infringing, whether AI-generated or otherwise. All disputes will be addressed through direct communication, and legal action will not be pursued unless the issue remains unresolved after our review.

5. Legal Costs

In the event that you take legal action against Secret Life of Intuitive Women or Manifestation FM in violation of these Terms of Use, and the action is determined to be without merit or unjustified, you agree to be responsible for all costs, including but not limited to legal fees, court costs, and any other expenses incurred by Secret Life of Intuitive Women in defending against such legal action.

6. No Liability for User Actions

While we strive to ensure compliance with copyright and intellectual property laws, Secret Life of Intuitive Women and Manifestation FM cannot be held liable for the unauthorized use of content by listeners. Any attempts to copy, distribute, or use content commercially without permission will be considered a violation of these terms.

You agree that Secret Life of Intuitive Women will not be responsible for any damages or legal actions arising from unauthorized use by third parties.

7. Automatic Agreement

By accessing, using, or engaging with Manifestation FM, Secret Life of Intuitive Women’s services, website, social media, or any other platform, you automatically agree to these Terms of Use. If you disagree with any part of these terms, you should not use or access the services.

8. Changes to Terms

We reserve the right to update and amend these Terms of Use at any time. Any changes will be posted on this page, and by continuing to use our services, you agree to be bound by the updated terms.

9. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the Province of Ontario, Canada. Any disputes not subject to arbitration (as detailed in our Arbitration Agreement) will be resolved in the courts located within Ontario.

10. Contact Information

For any questions, concerns, or to report a violation of these Terms of Use, please contact us:

Email: info@secretlife.ca

11. Consent

By listening to, using, or viewing the services of Manifestation FM and Secret Life of Intuitive Women, including our website, social media, or any other platform, you acknowledge that you have read, understood, and agree to these Terms of Use.

12. No Refunds

All purchases, whether products, services, or any other offerings, are final. Secret Life of Intuitive Women does not offer refunds for any items or services under any circumstances. If you are dissatisfied with any product or service, please email us at info@secretlife.ca, and we will address your concerns.

13. No Liability for Products, Events, or Services

You acknowledge and agree that all products, services, events, and content provided by Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, or any related entities are provided “as is,” and you agree to use them at your own risk. This includes all items sold, including but not limited to beauty products, coffee, journals, candles, and any other items sold through Printify or any third-party vendors.

Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and any associated parties are not responsible for any adverse reactions, health concerns, accidents, or injuries resulting from the use of products or services. This includes, but is not limited to, reactions to beauty products, coffee, or any items sold through the website.

14. Application to Partner Companies

These Terms of Use apply to all services, products, and content provided by Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and any other related businesses or partner entities, now or in the future. By using the services, products, or content offered by any of these entities, you agree to abide by these Terms of Use, which are intended to provide the same level of protection, indemnification, and limitations of liability across all ventures under the Secret Life of Intuitive Women brand.

15. No Liability for Third-Party Vendors & Partnerships

You acknowledge that Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and their respective partners, vendors, employees, or affiliates are not responsible for any issues that may arise from products or services offered by third-party vendors or collaborators, including but not limited to any content, events, products (such as coffee, beauty items, journals, or candles), or services provided by these partners. By purchasing or engaging with third-party products or services, you agree to do so at your own risk and agree that Secret Life of Intuitive Women is not liable for any injuries, damages, or other legal claims arising from these third-party interactions.

16. Indemnification

By using the services, products, and content of Manifestation FM, Secret Life of Intuitive Women, and their associated brands, including Bowman Academy and Stefsea, you agree to indemnify, defend, and hold harmless Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and their respective employees, affiliates, agents, contractors, partners, and owners, including Stefanie and Chelsea, from any claims, damages, liabilities, and legal costs arising from your use of their services, products, or content.

17. Arbitration & Dispute Resolution

Any disputes arising from or related to these Terms of Use, or from the use of Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, or any related products, services, or partnerships, shall be resolved exclusively by binding arbitration in Ontario, Canada.

18. AI-Generated Content

You acknowledge that Secret Life of Intuitive Women, Manifestation FM, and any associated businesses may use AI-generated content, including but not limited to music, text, and media. Secret Life of Intuitive Women cannot guarantee the accuracy, originality, or completeness of AI-generated content, and is not responsible for any errors or inaccuracies in the content. If AI-generated content resembles existing copyrighted works, we will review the claim and take appropriate action, but we are not responsible for any potential legal action or claims related to AI-generated content.

Key Additions:

1. Application to Partnered Ventures: Added clear language that these Terms apply to all current and future ventures, including Bowman Academy and Stefsea.
2. No Liability for Third-Party Vendors: Covered products and services offered by third-party vendors and partners, ensuring Secret Life of Intuitive Women is not liable for issues arising from these.
3. Indemnification and Protection for Personal Liability: Added specific language to protect Stefanie and Chelsea personally, as well as employees, contractors, and partners.
4. AI Content Disclaimer: Incorporated a clear disclaimer for AI-generated content, including the fact that you cannot guarantee accuracy and that you’re not liable for potential legal actions related to AI-generated content.

Thank you! I’m glad to hear you’re happy with it! Here’s the additional section you requested, which you can add right after the existing clauses:

19. Vendor Fees and Liability

• Non-Refundable Vendor Fees: All vendor fees, including those for events, partnerships, or other services, are non-refundable. No refunds will be issued under any circumstances, including but not limited to event cancellation or dissatisfaction with event outcomes.
• Liability for Stolen Items: Secret Life of Intuitive Women, Manifestation FM, and any associated businesses are not responsible for stolen or lost items during events. Vendors are responsible for securing their own property and materials, and by participating in our events, you acknowledge that you do so at your own risk.
• Accuracy of Reader Information: Secret Life of Intuitive Women is not responsible for any inaccurate or misleading information provided by readers, practitioners, or vendors at any of our events. All readings, messages, and services offered by vendors, including intuitives, psychics, or other service providers, are their own responsibility. Secret Life of Intuitive Women does not guarantee the accuracy or validity of any information provided by event participants.
• No Vendor Legal Claims: Vendors participating in our events or partnerships cannot pursue legal action against Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, or any of our employees, contractors, or partners. This includes but is not limited to any claims related to copyright, intellectual property, or event-related disputes.
• No Liability for Content and Event Services: Secret Life of Intuitive Women is not responsible for any claims related to content, readings, or services offered by individual vendors at our events. Vendors are solely responsible for their own actions, services, and content, and Secret Life of Intuitive Women disclaims any responsibility or liability for the actions, advice, or outcomes provided by vendors.

19. No Legal Action or Claims Against Us

By using any of the services, products, or content provided by Manifestation FM, Secret Life of Intuitive Women, Bowman Academy, Stefsea, or any related entities, you expressly waive any and all rights to initiate any legal action or claims against Secret Life of Intuitive Women, its owners (Stefanie and Chelsea), employees, contractors, affiliates, partners, or vendors, for any reason, including but not limited to issues related to content, events, products, services, or third-party interactions.

You acknowledge and agree that:

• No Lawsuits: You will not pursue legal action, litigation, or any other formal claims against Secret Life of Intuitive Women or its employees, contractors, or affiliates, even in the event of dissatisfaction with any products, services, content, events, or outcomes.
• Waiver of Legal Claims: You waive any rights to seek financial compensation, damages, or other legal remedies for any issues arising out of your use of the services, products, or content provided. This includes any actions related to potential personal injury, loss, or damage caused by any products, services, or events, regardless of the cause.
• Exclusive Remedy: In the event of any disputes, issues, or dissatisfaction with the services or products provided, you agree that your exclusive remedy will be limited to direct communication with Secret Life of Intuitive Women via email or other means of resolution, and that legal action or claims will not be pursued unless mutually agreed upon after resolution efforts.
• Indemnification for Legal Costs: If you attempt to initiate legal action against Secret Life of Intuitive Women or any of its related entities in violation of these Terms of Use, you agree to indemnify and hold harmless Secret Life of Intuitive Women, including its owners (Stefanie and Chelsea), employees, contractors, affiliates, partners, and vendors, from any legal fees, costs, or damages incurred as a result of your legal action.

By using our services, products, or content, you affirmatively consent to these provisions and agree to resolve any disputes or claims through informal resolution and negotiation, rather than formal legal proceedings.

20. Final Agreement to Limit Legal Action

By accessing or using Manifestation FM, Secret Life of Intuitive Women, Bowman Academy, Stefsea, or any related services, products, or content, you explicitly acknowledge and agree that:

• You fully understand and accept that any and all disputes will be resolved through informal communication or arbitration, and you expressly waive any right to pursue legal action or claims against Secret Life of Intuitive Women, its owners (Stefanie and Chelsea), employees, contractors, partners, affiliates, or third-party vendors.
• You agree that these Terms of Use are binding and enforceable, and you will not initiate any legal action, including but not limited to lawsuits, claims, or legal proceedings, against Secret Life of Intuitive Women for any reason related to your use of the services, products, or content.

By continuing to engage with our services, products, and content, you confirm that you understand and voluntarily agree to the limitations outlined above, and acknowledge that Secret Life of Intuitive Women is not liable for any damages, losses, or legal actions resulting from your use of our services.

21. Questions or Concerns?

If you have any questions, concerns, or need further clarification about these Terms of Use, please don’t hesitate to reach out! We’re here to help. Feel free to contact us at info@secretlife.ca.

22. Not a Substitute for Professional Advice

The services, content, and products provided by Manifestation FM, Secret Life of Intuitive Women, Bowman Academy, Stefsea, and any related entities (including our vendors, partners, and affiliates) are for entertainment, personal growth, and informational purposes only. They are not intended to be a substitute for professional advice, including but not limited to medical, psychological, legal, or financial advice.

If you have any mental health concerns, emotional distress, or medical issues, we strongly recommend that you seek help from a qualified professional. We do not provide medical, psychological, or other health-related services. Any information provided by Secret Life of Intuitive Women, its vendors, or partners, including any readings, guidance, or advice, should not be used as a substitute for professional care.

By using our services, you acknowledge and agree that Secret Life of Intuitive Women and its associated businesses are not responsible for any actions taken based on the information provided through our services, and you agree to take full responsibility for your own well-being.

23. No Guarantee of Results or Manifestation

While we provide educational content, guidance, and tools related to manifestation and intuition, Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and any associated entities or vendors cannot guarantee any specific outcomes or results. The effectiveness of manifestation or intuitive practices depends on a variety of factors, including personal effort, belief, and individual circumstances.

You acknowledge and agree that Secret Life of Intuitive Women and its related businesses are not responsible for any outcomes related to manifestation, intuition, or any personal goals. Any information, advice, or teachings provided through our services, courses, or content are for educational and entertainment purposes only, and you are solely responsible for any actions or decisions made based on the material provided.

You understand that manifestation is a personal journey, and results can vary greatly from person to person. We do not guarantee any specific results, achievements, or manifestations as a result of using our services or content.

By using our services, you acknowledge that you take full responsibility for your own actions and any outcomes that arise from them. You agree that you will not hold Secret Life of Intuitive Women, its owners, employees, contractors, affiliates, or vendors liable for any perceived lack of success or failure to manifest your goals.

26. No Medical or Psychological Advice

The services, products, and content provided by Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and any associated entities are not intended to serve as medical, psychological, or therapeutic advice.

You acknowledge that our services are purely for educational and entertainment purposes and are not a substitute for professional advice, diagnosis, or treatment. If you have any medical, psychological, or emotional concerns, you should seek the advice of a qualified healthcare provider or mental health professional. We recommend that you do not rely solely on the information provided through our services for making significant personal decisions, especially regarding your health, mental well-being, or any serious life changes.

By using our services, you agree that you will not hold Secret Life of Intuitive Women, its owners, employees, contractors, affiliates, or vendors responsible for any issues related to health, mental health, or other personal circumstances.

27. Risk of Use

You acknowledge that by using our services, products, or content, you do so at your own risk. This includes, but is not limited to, attending events, participating in our courses, engaging in any form of manifestation practice, or interacting with our content and products.

Secret Life of Intuitive Women does not guarantee any specific outcomes, and all results or effects from your use of our content and practices are subjective and individual. You agree that we are not liable for any loss, damage, or consequences that arise from your use of our services, products, or participation in our events.

28. No Endorsement of Third-Party Products

We may share or promote third-party products, services, or content, including through affiliate links or sponsored content. However, Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and any associated entities do not endorse, guarantee, or take responsibility for the quality, efficacy, or results of these third-party offerings.

By using our services, you acknowledge that any interaction or transaction with third parties is at your own risk, and we are not responsible for any issues or claims related to these third-party products or services.

29. Confidentiality and Privacy

While we take the privacy of our users seriously and adhere to applicable privacy laws, Secret Life of Intuitive Women and its affiliated businesses are not responsible for any information you share with third parties or vendors outside of our control.

We are not responsible for the privacy practices or the handling of your personal information by third-party vendors or partners, whether through our events, courses, or any external services provided. By using our services, you consent to the collection, use, and disclosure of personal information as outlined in our Privacy Policy (if applicable).

30. Limitation of Liability

To the fullest extent permitted by law, Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, and their affiliates, contractors, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or any other damages arising from the use or inability to use our services, products, or content.

In no event shall our total liability exceed the amount paid by you for the specific service or product related to your claim.

31. Force Majeure

We are not responsible for any failure or delay in providing services, products, or content that arises from circumstances beyond our reasonable control, including but not limited to natural disasters, war, acts of government, strikes, or other unforeseen events that prevent or delay the fulfillment of our obligations.

32. No Assignment

You may not assign or transfer your rights and obligations under these Terms of Use to any third party without the prior written consent of Secret Life of Intuitive Women. Any unauthorized assignment will be null and void.

33. Survival of Terms

The provisions of these Terms of Use that, by their nature, should survive termination (such as indemnification, liability limitations, and dispute resolution), will continue in effect after any termination or expiration of these Terms of Use.

34. Entire Agreement

These Terms of Use, along with any other legal notices and agreements published by Secret Life of Intuitive Women, represent the entire agreement between you and us regarding your use of our services, products, and content. If any provision is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

35. Privacy and Data Protection

Secret Life of Intuitive Women takes the privacy and security of your personal information seriously. We collect personal data, such as your name, email address, payment details, and other necessary information through third-party platforms, including JotForms, Stripe, and WooCommerce, to provide our services.

While we take every reasonable precaution to protect your information, including using encryption and secure platforms for transactions, we cannot guarantee the absolute security of your data against unauthorized access, theft, or hacking attempts. By using our services, you acknowledge that we are not liable for any data breaches, unauthorized access, or hacks that may occur despite our best efforts to safeguard your information.

We encourage you to review the privacy policies of the third-party platforms we use (JotForms, Stripe, WooCommerce) for their data protection practices, as they also play a role in safeguarding your personal information.

36. Event Cancellations and Vendor Payments

In the event of a cancellation of any scheduled event, Secret Life of Intuitive Women will reschedule the event to another day. All tickets or payments made for the canceled event will automatically transfer to the new event date. We will notify participants of the new event date and provide any further details or instructions.

Vendor Payments: Vendors participating in our events will not receive a refund in the event of cancellation. Instead, the payment will be applied to the rescheduled event. By participating in our events, vendors acknowledge and agree that this is the standard policy for cancellations.

While we strive to minimize any disruption to scheduled events, we reserve the right to modify event dates, times, or locations at our discretion. Vendors will not be held responsible for any costs incurred due to event rescheduling or changes, and Secret Life of Intuitive Women will not be held liable for any consequences arising from these changes.

37. Security and Liability Disclaimer

Data Protection Efforts: We make every reasonable effort to protect your personal data and secure all transactions processed through our services. However, we cannot guarantee that your personal information will be 100% secure. You acknowledge that by using our services, including any purchases or sign-ups through third-party platforms such as JotForms, Stripe, or WooCommerce, you do so at your own risk.

No Liability for Stolen Data or Hacks: Secret Life of Intuitive Women, Manifestation FM, Bowman Academy, Stefsea, or any associated parties cannot be held liable for any theft of personal data, unauthorized access, or data breaches resulting from a hack, compromise, or other unforeseen incident, despite our best efforts to safeguard your information.

We take your privacy seriously and strive to implement strong measures to protect your data, but we cannot assume responsibility for any breaches that may occur on third-party platforms or as a result of malicious attacks.

38. No Liability for Third-Party Services

You acknowledge that any transactions or interactions conducted through third-party platforms (such as JotForms, Stripe, and WooCommerce) are subject to the terms and conditions and privacy policies of those platforms. We do not control these third-party services, and therefore we are not responsible for their actions or policies regarding your personal data or transactions.

By using these third-party services, you agree to the terms and conditions set forth by them, and you acknowledge that any issues related to these services (including, but not limited to, transaction errors, payment processing issues, or data security concerns) must be directed to the relevant third-party service providers.

39. Acknowledgement of Terms

By accessing, using, or engaging with the services, products, or events provided by Manifestation FM, Secret Life of Intuitive Women, Bowman Academy, Stefsea, or any related entities, you acknowledge and agree to the terms set forth in these sections, including the data protection, cancellation policies, and security disclaimers. You understand that Secret Life of Intuitive Women cannot guarantee the security of your data or the outcomes of events, and you accept full responsibility for your actions and decisions made in connection with our services

Third-Party Terms and Conditions

Please be aware that when you engage with third-party platforms, vendors, or services (including but not limited to JotForm, Stripe, WooCommerce, and others), you are subject to their respective terms and conditions, privacy policies, and practices. Secret Life of Intuitive Women, Manifestation FM, and related entities are not responsible for the actions, practices, or policies of third-party platforms or services. We recommend that you carefully review the terms and conditions, privacy policies, and any other relevant documentation provided by third parties before engaging with their services.

If you are unsure about which third-party platforms or services we use, or have any concerns regarding their terms or practices, please feel free to reach out to us at [your email] for clarification. We are happy to assist you.

Third-Party Products & Services – Printify

Some of the products we offer (such as health, beauty, and food items) are sourced from third-party providers, including Printify. By purchasing these products, you agree to the following terms:

1. Product Quality & Certifications
   We work with Printify to provide high-quality products. However, we do not directly control or guarantee the quality or certifications of the products. For detailed information on certifications, ingredients, or any product-specific claims, please refer to the product descriptions on our website.
2. Country Limitations
   Food, health, and beauty products from Printify are only available for sale and shipment within the USA and Canada. If you are located outside of these countries, we cannot fulfill your order for these products at this time.
3. Customization & Labeling
   The only customizable aspect of these products is the label. The rest of the product information (like ingredients or origin) cannot be changed. Please ensure that you are satisfied with the label design before placing an order.
4. Liability Disclaimer
   We strive to offer products from trusted providers like Printify, but we are not responsible for any issues arising from third-party products. By purchasing, you agree to review the product details carefully. For more information on Printify’s policies, we recommend visiting their website directly.

Article 1 – General scope and object of the agreement

The following terms and conditions (T&C) govern the relationship between you as a client and our company while interacting through our website https://stefseaco.goodbarber.app and/or on our application Stefsea Co. and Manifestation FM Radio. Manifestation FM Radio is run under Stefsea Co. 

Navigating and/or interacting on our website and/or application means that you expressly agree to these T&C without reserve or objection.

Our company has the right to modify or to adapt these T&C at any time and without prior notice. These T&C are directly applicable as soon as they are published on our website and/or application and/or sent to you by any means.

Please read these Terms and Conditions carefully before using, interacting or accessing our website and/or application.

By agreeing to these T&C you grant us that you have reached at least the legal majority in your country, state or province of residence. If you are a minor you grant us that you have all the rights and consent from your legal representatives to use our services. If you have not reached the legal majority then you must not use our Services.

You are not entitled to use our services, website and/or application for any illegal or unauthorized purposes.

You must not try to hack, alter the use or functions of our services, send viruses or lead or try to lead any other kind of attack towards our services. You must not try to attempt at our services’ integrity either.

Article 2 – Content and Intellectual property

The content provided in our Services might be accessible for free or not. Some content might be required to be logged in or to have a valid paid subscription (IAP, restricted contents or sections).

If some content requires you to have an account or to be registered, please refer to the Article 4 « Registration Process » to know of to access our Services.

The contents of our Services are intended for personal, non-commercial use. All materials available on our Services are protected by copyrights and/or intellectual property rights.

In addition to that some content might be protected by some other rights such as, trademark, patents, trade secrets, database right, sui generis rights and other intellectual or proprietary rights.

The user of our Services is not allowed to reproduce totally or partially any content that is made available through our Services. The user will also not reproduce any of our logo, name, visual identity and so on, he will also not try to reproduce, copy or produce mere copy of our Services.

The user will not modify, copy, paste, translate, sell, exploit or transmit for free or not any of the content, text, photo, pictures, drawing, audio content, podcast or any content that is available on our Services.

Article 3 – Subscription and payment (duration, recurring payment, auto renewal)

The applicable subscription fees are shown before concluding the ordering process.

Please check how the Apple Store and the Google Store handle tax management and prices.

Any changes in taxes will be directly applicable to the abonnements 

Regarding fee changes or modification, our company reserves the right to change any fee or tariff at any time and without prior notice.

Payment and Fees

Available payment methods will be shown to the client upon subscription, electronic payment will be shown only if available.

Payment methods can vary.

All of your banking details, credit card details and other payment methods are encrypted and are never stored on our website and/or application. We use third-party solutions to process your payment.

We reserve the right to modify at any time any fees, if you do not agree with the price change you can stop using our Services at any time before renewal payment occurs.

In App Purchases (IAP) to access restricted content (articles, videos, blog, unlocking exclusive content or features)

If you have subscribed through a third party such as Google Play, Apple App Store or any other third party, these Terms and Conditions might not apply to you. In that case you contract for such products will be with the third party and not with our Company. 

Our Company will not be liable for any claims related to purchases made through a third party, you must contact that third party directly.

Our Company will have no liability or responsibility regarding any issues or difficulties regarding IAP purchases as they are done through third-party platforms.

Restoring you subscription, digital contents or In App Purchases

If you have made In App Purchases (IAP) through a third party you might be able to restore your previous purchases that you have already made. This can be done using the link within our Application and/or website.

Apple Terms of use End User Licence Agreement (EULA):

Article 4 – Registration process 

Our company might or might not require our client to first register to enable the client to access some part or the whole application and/or website.

Each registration is intended for one user only and you are prohibited from sharing your credentials or your account with anyone.

We may cancel or suspend your access to our Services if you share your credentials.

Please notify us immediately at stefseaco@gmail.com if you think that your credentials are compromised.

Registration

If registration is required to access our website and/or application then the client must first enroll itself by creating an account. To do so the client must fill in the registry form available on our website and/or application. The client will choose a login and a password linked to a valid email address.

By doing so the client agrees that he will keep his credential confidential, secure at all times and that he will not communicate them to any third-party.

Unlogged access can also be made on our website and application 

The client must keep its credential confidential at all times and must not share its credentials with anyone.

Our company will not be held liable or responsible for any unauthorized use, modification or access on the client’s account even if fraudulent access is made using the client’s account or banking details.

Signing In with third parties authentication, including but not limited to, « Sign-in with Apple », Facebook and X (Twitter) authentication

These third-party services might be implemented within our application and/or website to help you sign-in alongside creating an account directly on our Services.

You can either choose to register an account directly via the embedded registry form within our application and/or website or you can use third-party authentication mechanisms.

These third-party providers are not linked with our company and hence you must check and read their privacy policies and other legally binding documents that rule their services.

By using third-party authentication mechanisms, you are allowing third-party applications and/or platforms to access some of your personal data, the relationship between you and the platform is outside any kind of control of our company.

By using third-party authentication mechanisms, these platforms or applications might, depending on how you configured your account on their website, post, access, send messages, access, transfer personal data or personal and use personal data according to their own privacy rules and terms and conditions. These are only examples of what a third-party platform can do when you have granted them access to your data.

If you are unsure about how your data is managed while using these authentication services you must not use them and you should use our embedded account registration.

Article 5 – Warranties

The content provided by our Services is provided to the user « as it is » and « as available », we cannot guarantee that the content provided will be exact, true, or error-free. The user accesses our content at its own risks.

We will not be held responsible if any content on our Services is inaccurate or mistaken.

Article 6 – Content moderation (chat, comments and others) and user generated content

If our user uploads, posts or submits any type of content on the Services you represent to us that you have all the necessary legal rights to upload, post or submit such content.

You shall not publish, distribute or upload any content that is, abusive, fake news, obscene, pornographic, illegal.

In addition to that you shall not try to impersonate anyone else or use a fake identity in order to use, access or publish any content on our Services.

You shall not use our Services to transmit any kind of malware, viruses, crypto lockers, ransomware or spyware.

Users will not threaten or verbally abuse other users nor will they spam the Services. User will use respectfully language, you will not try to abuse or discriminate based on race, religion, nationality, sexual gender or preference, age, disability and so on. Hate speech is prohibited.

Our Company has the right to delete, modify, censor and delete a client’s content or account if any of the rules above are violated. This will be done without any prior justification or notice. The client will not receive any compensation.

Article 7 – Liability

Our company will not be liable in case of network disruption, viruses, outside access, fraudulent use of payment methods or any other kind or type of technical issue or fraudulent access.

Article 8 – Third-Party links and external links

Some of the contents available on our website and/or application can include materials from third-parties and outside sources. Third-party links on our websites and/or applications can direct you to outside of our control websites that are not affiliated with us. We are not responsible nor liable for controlling or examining the content or accuracy of third-party websites or outside sources.

Hence we are not liable nor responsible for any damages or misuse while accessing third-party links or external links or sources on our website and/or application.

Please read carefully our privacy policy regarding how to deal with third-party privacy policy, terms and conditions and cookie policy.

Article 9 – Disclaimer of warranties

While using our website and/or application you grant us that we will not be held liable or responsible if data on our services is not accurate, true, complete or correct. The information and data given on our services is given as illustrational and informational only and must not be used for making decisions. Further advice and information must be sought before making any serious decision. You are using our services at your own risk.

Our company reserves the right to modify and/or delete any content on our services without prior notice, but our company has no obligation to update any content available on our services.

Also our company does not guarantee that the use of our services will be error-free, timely, secure or uninterrupted. The client agrees that we can remove services from time to time or add new ones without prior notice.

Our services are delivered and provided to clients « as is » and « as available » for use, without any warranties or conditions of any kind.

In no case our company’s staff, employees, personnel, agents, interns and so on, are not liable for any loss, claim, injury, any indirect or direct damage, incidental, punitive or special damages of any kind or type. This includes loss of profits, lots of revenues, lots of data or savings, whether based on tort law, contract, liability or otherwise.

Article 10 – Indemnification

You as a client of our company agree to indemnify, defend and hold us harmless from any claim or demand, this includes attorney’s fee made by any third-party due to your breach of these T&C or any other document that is binding between you and our company.

Article 11 – Severability

If any part, article or document of these T&C or of any other binding document between you and our company is determined by a competent jurisdiction to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law.

The unenforceable portion shall be deemed to be severed from these T&C such determination will not affect the validity and enforceability of any other remaining provisions.

Article 12 – Termination

All of the obligations and liabilities of the parties that occurred before the termination date shall survive the termination of this agreement.

These T&C are effective unless terminated either by our company or by the client.

The client can notify our company that he no longer wants to use our services or he can simply stop using and/or access our services, websites and/or application.

Our company can terminate this agreement at its sole discretion at any time and without prior notice, the client will hence remain liable for any remaining amounts due to our company.

Article 13 – Governing Law and Venue

These T&C are governed by the laws of the Province of Ontario, Canada. Any disputes will be settled in the courts of Ontario.

Article 14 – Contact information

If you have any question regarding these Terms and Conditions you can contact us directly at:  stefseaco@gmail.com

Cancellation and refunds

If our User cancels his subscription, the cancellation will only occur for future charges associated with that subscription. You can notify us of your cancellation at any time and this cancellation will occur at the end of your current billing period.

You will not receive a refund for the current billing cycle, users will continue to have the same access and benefits of your products for the remainder of the current billing period.

You might be able to get a partial or a full refund depending on where you live and based on the applicable legislation and regulation.

Our Company reserves the right to issue refunds or credits at our sole discretion.

If IAP are made within our Services you must check the Store Terms and Conditions on how to manage and get your refund or cancellation. You can check their condition at https://support.apple.com/en-ph/HT204084 for Apple or at https://support.google.com/googleplay/answer/2479637?hl=en for Google.