TERMS AND CONDITIONS
Section 1. Overview
Lavish Ruby & Co Incorporated (“Company”) welcomes you. Please READ carefully. Your access and use of this Site (defined below) is subject to legally binding terms and conditions, which you accept and agree to by accessing this Site.
The material appearing on the websites https://www.lavishlifeacademy.com, https://lavishlifebrand.org/, https://lavishruby.com/, (“this Site”), is provided as either information about Lavish Ruby & Co., Lavish Life Academy, Lavish Life Brand events, people, and stories as a platform for online connection and community. The owner of this Site and CEO of Lavish Ruby & Co Incorporated and its directors, agents, employees and affiliates assume no responsibility or liability for any consequences resulting directly or indirectly from any action or inaction you take based on the information found on or material linked to on this site.
Any information by or on this Site is provided for promotional or informational purposes only and is not to be relied upon as a professional opinion whatsoever. By using this Site, you accept and agree that following any information or recommendations provided therein is at your own risk.
The following terms and conditions form a binding agreement (“Agreement”) between you and Lavish Ruby & Co Incorporated (“Company”), a company incorporated in New York, New York.
Section 2. Term
This Agreement shall be effective immediately upon visiting, using or interacting with (collectively referred to as “using” or “visiting”) this Site. By using this Site, the user accepts to be bound by the terms included herein and shall remain effective so long as the user avails itself of the website’s Services.
Lavish Ruby & Co Incorporated may modify, amend, supplement and replace these terms and conditions at any time without advance notice. Your continued use of this Site after any change means you have accepted the changed terms and conditions.
Section 3. Applicability
To use or access our website and Services, you must be eighteen years or older than the age of majority, and must have the ability to enter into this Agreement.
The Sites are not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under 13. We strongly recommend that parents participate in their children’s exploration of the internet and any online services and use their browser’s parental controls to limit the areas of the internet to which their children have access. We may, at our discretion, require users under 18 to obtain the consent of a parent or guardian to view certain content, and we may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.
Section 4. Use for Lawful Purposes Only
All users and visitors must use this website and its Services for lawful purposes only. You hereby agree to use our website, content, products, and other Services for legitimate and non-commercial purposes only. You shall not transmit any material through our website which violates or infringes the rights of us or others, or material that is threatening, abusive, defamatory, profane, obscene, invasive, or which encourages criminal or illegal conduct or that would give rise to civil liability or otherwise violate any law.
Section 5. Disclaimers, Warranties & Liabilities
A. Educational and Informational Purposes Only
All of the information provided on our website and contained in our products, whether for purchase or not, is for educational and informational purposes only. Nothing on our website claims to guarantee accurate, complete, reliable or up-to-date information.
B. Warranties & Guarantees
All of the content we put on the Site is intended to be as accurate as possible and to be as helpful as possible in providing you with valuable information for your life and your business. We ask you to understand that not everything included on the Site may be accurate and/or up-to-date. Of course, we’ll never intentionally mislead you, but it may be that we are human (we all are!) and we also make mistakes. Or, it is possible that we could possibly forget to include something in sharing our information on the Site. As such, we ask you to take the information on the Site with a grain of salt, not to rely entirely on what we share and accept that some of our content may be incorrect or outdated. If you have any issues with this, our team is always open to feedback, and you are welcome to stop using the Site at any time.
We strive to provide the most accurate information possible. However, we cannot ensure that our content is completely free from error or that it is timeless. As such, we do not give any warranty or other assurance as to the accuracy, completeness, timeliness, lack of errors, or fitness for particular purposes of any of the content or materials contained within and placed on our website, products, or other publications. To the maximum extent of the law, we provide our website and Services “as is” without any warranties, representations, or guarantees, whether express, implied, or otherwise.
We make NO GUARANTEES about any success that you’ll get from our Site or our courses or any of our free offers. We will try and do everything for you to succeed, but we make no guarantees since we try our best but can only control so much about your success through our courses. You understand that Lavish Ruby & CO. makes no guarantees whatsoever regarding any results based on any action or inaction relating to your life, social media accounts or businesses based on the information we share or services we sell or share for free through the Site. Ultimately, we will not be responsible or make any promises for what will happen in your life. This platform was created strictly for educational purposes. We do not offer financial advice, in no event should the content of this platform be construed as an express or implied promise or guarantee. No content on https://www.lavishlifeacademy.com/ should be relied upon as advice or construed as providing recommendations of any kind. It is your responsibility to confirm and decide whether to trade and which trades to make. Trade only with risk capital; that is, trade with money that, if lost, will not adversely impact your lifestyle and your ability to meet your financial obligations. Forex trading involves substantial risk and is not suitable for every investor. The valuation of Forex may fluctuate, and, as a result, any market participant may lose more than their original investment. The impact of seasonal and geopolitical events is already factored into market prices. The highly leveraged nature of futures trading means that small market movements will have a great impact on your trading account and this can work against you, leading to large losses or can work for you, leading to large gains. Any trading strategy you decide to use is at your sole risk. If the market moves against you, you may sustain a total loss greater than the amount you deposited into your account. You are responsible for all risks and financial resources you use and for the trading system you decide to use. Past results are no indication of future performance. You should not engage in trading unless you fully understand the nature of the transactions you are entering into and the extent of your exposure to loss. If you do not fully understand these risks you must seek independent advice from your financial advisor. The Lavish Life Academy is not responsible for any losses incurred as a result of using any trading strategy demonstrated on this platform. Loss-limiting strategies such as stop loss orders may not be effective because market conditions or technological issues may make it impossible to execute such orders. Trading Forex can be a challenging and potentially profitable opportunity for experienced investors with adequate capital and a high tolerance for risk. Before deciding to participate in the Forex market, you should carefully consider your investment objectives, level of experience, and risk appetite. Most importantly, do not invest money you cannot afford to lose. There is considerable exposure to risk in any foreign exchange transaction. Foreign exchange holdings are susceptible to sharp rises and falls as the relevant market values fluctuate. The leveraged nature of Forex trading means that any market movement will have an equally proportional effect on your deposited funds. This may work against you as well as for you. Not only may investors get back less than they invested, but in the case of higher risk strategies, market participants may lose in excess of the entirety of their investment. It is for this reason that when speculating in such markets it is advisable to use only risk capital.
C. Earnings, Results & Testimonials
We love to share our students’ wins and successes from inside our programs. By signing up for the Program, you grant Lavish Ruby & Co Incorporated permission to use any testimonials in our marketing materials and/or any promotional efforts. This includes but is not limited to unofficial testimonials, words of praise via Instagram stories, public posts or posts inside our Facebook groups, and direct messages with Lavish Ruby & Co Incorporated We will blur full names on screenshots used, and you understand that all confidentiality provisions apply and that testimonials are the only exception to our confidentiality obligations.
Please note however, that while these testimonials showcase amazing results and wins, these results are a product of incredibly hard working and talented individuals and are reflective of their hard work and efforts. Further, their success is NO GUARANTEE for results you will get from working with the Company. Everyone is different and everyone will have different results. We have chosen to highlight some of our favourite client wins and have them explain our services in their own words.
We make no guarantee of any kind regarding the potential income or results that can be generated through the use of our Services, products or website. From time to time, we may publish testimonials from clients – however, please keep in mind that past results are not an indication or promise of your results.
D. Responsibility For Your Own Actions
You acknowledge that you are fully responsible for any actions you do or do not take while interacting with the Site. As a condition of using this Site, you agree you will be fully responsible for any actions or inactions regarding your life or business based on the information you find on the Site. You understand you may personally consult with a professional before making any significant decisions.
E. Not a Client… Yet! (No Client Relationship)
By accessing and using the Site, there is no client-professional relationship created between you and Company and/or Ruby Asabor. You will only be a client once you enroll in our program(s) and agree to our program Terms and Conditions by clicking the checkbox on the checkout page, in which you will officially create a professional-client relationship. We hope to work together with you soon, but until we sign an official agreement together, you are not a client. By continuing to use the Site, you acknowledge that for the moment, we are just pals.
F. Qualifications + Not Professional Advice
The information on this website, while provided by a successful entrepreneur, is not tailored to any one person’s life or business specifically. As such, the advice on this Site is not professional advice. Company provides professional advice in the context that we have worked very hard to learn how to achieve maximum results and assist clients in achieving their business goals. However, we do not represent or warrant to be an expert or professional with professional designations and make no guarantees regarding any specific success from working together. Your choice to rely on Company’s advice, guidance, teaching or principles is simply that – your choice. We’re not telling you what to do. We are telling you things you can do which we have seen work for other people. That doesn’t mean it is guaranteed to work for you.
G. Limitation of Liability
In no event shall the Company or its affiliates be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to view or use the materials or content on the Site, even if Company has been notified orally or in writing of the possibility of such damage.
This Site may contain links to third-party websites. Any linked sites, materials, and pages are not under the control of the Company. Company is not responsible for the content contained in any related website, nor for any losses or damages you may incur due to the use of any such website. Company accepts no liability for any errors or omissions contained in third-party websites. We provide these links to improve your use of the Site, enable you to connect with Company on various platforms, and help Company offer the most accessible services for you and conduct transactions.
To the fullest extent permitted by applicable laws, we disclaim liability for any injuries, losses, or damages of whatever nature arising from the following, either directly, indirectly or consequentially: loss of use, loss of data, damage by Virus, loss or damage to property, claims of third-parties.
H. Confidentiality and Non-Compete
Users of our Sites hereby understand that the tools, processes, strategies, materials and information presented on our Sites are copyrighted and proprietary, so users agree not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorized use or distribution of our Sites proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and Promoter will pursue legal action and full damages if these terms are violated in order to protect its rights.
A. INFORMATION COLLECTED
- Information in exchange for products or services – From time to time, we ask for personal information, such as names, e-mail addresses, phone numbers, credit card numbers, account information and/or billing addresses in an exchange for our product, content, Gifting or Services.
- Transaction Information – When you download or purchase a product from our website, certain information may be collected, such as the date of the purchase and product details. This information is collected and used for internal purposes only, in order to enhance the general user experience. If you purchase one of our products, certain data is required to fulfill your request, such as credit card numbers/expirations/security codes, billing information and addresses, zip/postal codes, and names, which will be processed through a third-party payment program. This information will not be shared intentionally with any party other than the third-party programs responsible for processing your payment and procuring payment to us.
- Third-Party Information – From time to time, we may receive information from third-party programs or plugins, such as but not limited to PayPal, Stripe, Thrive Cart, Kajabi, ActiveCampaign, Google, ShowIt, WordPress, MobileMonkey, or through social media platforms.
B. HOW WE COLLECT INFORMATION
Information may be collected in one or more of the following ways:
- Provided by you, the user – Our website may ask you to input Personal Information from time to time. For instance, we request your email address and name to send you a protected piece of content or may ask for your email address when you have a question relating to customer service or consultations.
- Collected from internet browsers or devices – From time to time, data is collected and sent to us automatically by your web browser or device. Information collected in this category tends to include your IP address, links clicked, pages visited, and time stamps of visits. This information tends not to be personally identifiable.
C. CONSENT TO COLLECT INFORMATION
D. INFORMATION SHARED
The Personal Information collected and used may be shared with certain third-parties. Personal Information may be shared in the following ways:
- Service providers – Personal Information may be shared with third-party programs, platforms, and providers in exchange for data, analytics, reports, or confidentiality agreements. Third-party providers include, but are not limited to, the following: website hosts, e-commerce platforms, payment providers and payment processors, website plugins, email servicing programs, marketing consultants, and brand advisors. These third-party providers shall only collect, use, maintain and share your information to the extent that doing so furthers the services they provide to us. Any use beyond that scope shall be deemed an unauthorized use, of which you hereby agree to indemnify us. See Section 6F below for more details.
- Asset Sale or Transfer – Personal Information may also be shared in the event of a merger, acquisition, asset sale, or other transfer of our business and assets.
- Legal and/or Regulatory Disclosures – Personal Information may also be shared if necessary to further a legal, regulatory, audit, or professional investigation.
The Personal Information that is collected will be stored in a commercially reasonable manner for as long as is necessary to protect our legitimate business interests, and to comply with applicable law. We reserve the right to collect and store your Personal Information to the extent that it is not prohibited by law.
We do not sell or license your Personal Information to third-parties for their own marketing or commercial purposes without your consent.
E. SECURITY & INDEMNIFICATION
In order to maintain the security of your Personal Information, we have taken reasonable methods to prevent unauthorized access and maintain accuracy of all Personal Information collected by our website. Physical and technical methods of protection include limited numbers of internal personnel accessing your Personal Information, and password protecting documents or logs that contain Personal Information.
Transmission of information over the internet is not fully secure. As such, we cannot guarantee that any information you submit to us will be accessible to only us as the intended recipients. Any transmission is at your own risk. However, we do our best to protect your data and any information you provide. Nevertheless, if there is a security breach on behalf of an unauthorized party, you agree to indemnify us and hold us harmless for any and all claims against the unauthorized party.
We strive to prevent the introduction of malware, malicious code, and viruses to our website and our users (collectively referred to as “viruses”). However, due to the inherent nature of the internet, we are unable to guarantee or warrant that our websites, products, content or other Services are completely free from viruses. As such, we will not be liable for any damages or harm that is attributable to viruses that may arise after use of our website or Services. It is your responsibility to take reasonable measures to prevent the intrusion of viruses onto your hardware and software, and taking appropriate steps to ensure your computer and web browser are not exposed to the risk of interference or damage from viruses.
Your use of our website, products and Services is completely voluntary. As such, you shall indemnify us and hold us and our agents and affiliates harmless for any damages or injury that may arise from your use of our website, products and Services, which include, but are not limited to, issues regarding the confidentiality and security of your Personal Information.
Section 7. Governing Law & Venue
Section 8. Intellectual Property
A. Copyright. United States of America copyright laws protect all materials created by Lavish Ruby & Co Incorporated on the Site as original works. All materials belong to Lavish Ruby & Co Incorporated, including those with the absence of a registered copyright symbol.
B. Links to Third Party Websites. This Site may contain links to third-party websites. Any linked sites, materials, and pages are not under the control of Lavish Ruby & Co Incorporated. Lavish Ruby & Co Incorporated is not responsible for the content contained in any related website, nor for any losses or damages you may incur due to the use of any such website. Lavish Ruby & Co Incorporated accepts no liability for any errors or omissions contained in third-party websites. We provide these links to improve your use of the Site, enable you to connect with Lavish Ruby & CO. on various platforms, and help Lavish Ruby & Co Incorporated offer the most accessible services for you and conduct transactions.
C. Intellectual Property Ownership. If we have materials on the Site which you can download, a revocable, non-exclusive license is granted for you to download copies of the materials for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modify or copy the materials;
- Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
- Share or transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Lavish Ruby & Co Incorporated at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
If Lavish Ruby & Co Incorporated discovers that you have illegally misappropriated or used any of the intellectual property you were granted access to, you will be blocked from any future programs and will seek any and all extent of legal remedies and you will be required to cover all legal fees necessary to enforce these rights.
Section 9. Specific Program Terms & Conditions
A. REFUND POLICY
Please note, due to the digital nature of our course, we do not offer refunds for any reason. It is the customer’s responsibility to carefully review our sales page and terms and conditions before purchasing, using, or accessing any of our products and Program. We do not offer partial refunds for our programs and our exclusive bonuses, and course extensions are non-refundable under any circumstances.
If a subscription is renewed by the customer, then we do not offer refunds for those who opted to continue their membership. Subscriptions are a recurring monthly charge that the customer agrees to pay when agreeing to these Terms and Conditions.
B. CANCELLATION POLICY
By signing this disclaimer, you understand that Lavish Ruby & Co Incorporated is responsible for ensuring that your subscription service is not billed further after you have canceled your membership. You understand that you are solely responsible for canceling your subscription service in order to cancel our services. You also understand that if opted into a payment plan, you will not be able to cancel your membership and will be expected to pay the invoices in full until your payment has been completed.
Lavish Ruby & Co Incorporated is not responsible for any claimed system/server issue that limits one’s ability to cancel membership effectively. Should you experience an issue, it is your responsibility to reach out to Lavish Ruby & Co Incorporated to resolve the issue through use of a support ticket sent to [email protected]. You understand and acknowledge that all cancelation inputs in the Lavish Ruby & Co Incorporated are accompanied by an email confirming cancellation to your account email address on file and will be completed at the end of your billing cycle. It is your responsibility to ensure that your cancellation confirmation email is received, and it is your responsibility to alert Lavish Ruby & Co Incorporated should the email not arrive as it should. Please note that if you are unable to cancel your membership, you are responsible for canceling your membership by contacting our Customer Service department by emailing [email protected].
C. BLOCKLIST AND DISPUTED PAYMENTS
Lavish Ruby & Co Incorporated retains the right to ‘Blocklist’ anyone from accessing all materials, courses, or other products or services offered in the event that you do not pay your outstanding balance, dispute your payments, or if you steal any of our intellectual property. A student will be removed from the blocklist under the discretion of Lavish Ruby & Co Incorporated. Under the conditions that:
- The outstanding balance has been paid in full
- That the student will not be eligible for a refund for the remainder of their course access.
- In the event that a student wants to regain access to our online courses after disputing a payment(s), the student agrees to pay the Stripe fee for each payment previously disputed.
D. PAYMENT PLANS
Lavish Ruby & Co Incorporated offers payment options at the time of purchase, so you can either opt to pay in full or in monthly installments. By selecting the option to either pay in full or pay by payment plan, you will be enrolled in our “lifetime access,” which means that you will have access to the course materials as long as the program exists.
If opting for the payment plan, then it is your responsibility to make the payments in your payment plan in full, as well as paying the remaining invoices regardless of your decision to continue your membership with Lavish Ruby & Co Incorporated. By signing up for our payment plan, you agree to pay the entire balance owing of your payment plan. In the event that a payment is not made, Lavish Ruby & Co Incorporated will temporarily suspend access until the payment(s) is caught up. After three failed payments, you understand Lavish Ruby & Co Incorporated may contract a collection agency to collect the money from you. Please note, Lavish Ruby & Co Incorporated will not be held accountable for any foreign transaction fees charged by your bank.
Breaking Payment Plans + Discontinued Payments. In the event that your agreed-upon payment plan is broken, our team will permit a three-month grace period and will actively work with you to get payments back on track. However, after three months of delinquent payments, you will be charged a 10% fee of the monthly payment due for every month of missed payments after that, for up to one year. The 10% late fee will only commence after your initial three-month grace period.
- For example: If you have paid the first three months but then pause your payment plan for the fourth month and fail to get back on track after three months, you will owe 10% for EACH month (up to one year) that your account is inactive. You will have to pay this amount before you can re-access your account.
- To get back on track with our program after 3+ months of delinquent payments, you must make up for ALL past due payments and late fees. Your access will be re-granted once your entire account is paid off.
Specific products offered by Lavish Ruby & Co Incorporated will be outlined as a recurring subscription that can be cancelled at any time at the end of your billing cycle, compared to our payment plan option in which you are responsible for paying the amount in full once the payment has been fulfilled. Apart from our “lifetime access” membership, all other subscriptions are recurring and will be charged at the interval selected if cancellation is not requested 24 hours prior to the end of the billing cycle. Once the subscription is renewed, we will not be able to refund for that cycle.
Monthly Subscription: By purchasing a monthly subscription, you agree to an initial and recurring monthly subscription fee at the then-current monthly subscription rate, and you accept responsibility for all recurring charges until you cancel your subscription. You may cancel your subscription at any time, subject to the terms of our cancellation policy. Once you subscribe, Lavish Ruby & Co Incorporated will automatically process your monthly subscription fee in the next billing cycle. Company will automatically process your monthly subscription fee each month until you cancel your subscription.
F. COURSE ACCESS
All LLA students receive monthly limited access to our course. Student access activates immediately upon enrolling in the program, and is revoked at time of cancellation or payment failure. When enrolling in a product with “lifetime access,” this means that you will have access to the course materials as long as the program exists.
Section 10. Miscellaneous
Entire Agreement. These terms and conditions and any other legal notices, policies and guidelines of Lavish Ruby & Co Incorporated linked to these terms and conditions or contained on this Site constitutes the entire Agreement between you and Lavish Ruby & Co Incorporated relating to your use of this Site and supersedes any prior understandings or agreements (whether oral or written), claims, representations, and understandings of the parties regarding such subject matter. This Agreement may not be amended or modified except byLavish Ruby & Co Incorporated.
Indemnity. As a condition of your use of the Site, you hereby indemnify Lavish Ruby & Co Incorporated and its directors, agents, employees, and affiliates from and against any and all liabilities, expenses (including legal fees) and damages arising out of claims resulting or arising from your use of this Site.
Last Updated: March 31, 2022