Please READ carefully. Your access and use of this Site is subject to legally binding terms and conditions, which you accept and agree to by accessing this Site and opting the subscription of any tenure.

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. (Ruby Asabor) 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., a company incorporated in New York, New York. Lavish Ruby & CO. 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.

    1. Copyright. United States of America copyright laws protect all materials created by Lavish Ruby & CO. on the Site as original works. All materials belong to Lavish Ruby & CO., including those with the absence of a registered copyright symbol.
    2. 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.. Lavish Ruby & CO. 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. 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. offer the most accessible services for you and conduct transactions.
    3. 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:             
      1. modify or copy the materials;
      2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
      3. share or transfer the materials to another person or “mirror” the materials on any other server.
    4. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Lavish Ruby & CO. 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.
    5. If Lavish Ruby & CO. 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.  
    6. 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. 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. 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. 
    7. Our Refund Policy.  We want you to be 100% satisfied with the program, but we also want to ensure our students have given the program a fair shot and have used their best effort to apply the methods and strategies. Please contact our support team at [email protected] within 30 days of your enrollment to qualify for a refund. Disclaimer: Due to the digital nature of our course, we do not offer refunds for those who do not do their due diligence to ensure the course is the right fit for them. 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. Please note, we do not offer partial refunds for our programs and our exclusive bonuses and course extensions are non-refundable under any circumstances.
  • We are about honesty, fairness, and customer satisfaction. We have no problem issuing a full refund if you’ve actually tried your best and done the work, but the course was not fitting for your business and/or business goals.


    1. An example of a situation where we wouldn’t grant a refund is if a student doesn’t put in any effort, doesn’t try at our courses, doesn’t take full responsibility for their own success, and then asks for their money back. We also do not offer refunds for the following: (1) attempts to use the refund policy as a way to opt-out of any existing financial obligation and/or payment plan already committed to us upon signing up for our program, (2) change of business direction after purchasing the course, and/or (3) inability to complete the program within the 12 month access period. 
  1.       An example of a situation where we would give a refund is if you do the entire course, try your best, share with us what you learned, and then provide an objectively fair reason why you want your money back. This means we are expecting the following documents and tasks to completed: 
    1. Proof of all worksheets being completed 
    2. A link to your Instagram handle proving that you have implemented the lessons accordingly and have made an effort of using our strategies with screenshots included 
      1. Screenshots of the following: 
        1. Proof of market research survey with at minimum 5 responses from a real audience
        2. An entire coaching offer outline created 
        3. Proof of initiating requests and promotion for people to join your signature program
        4. Instagram stories proving your attempts to cultivate and connect with an audience
        5. Proof of your masterclass slide outline, registration page, social media launch promotion, and emails delivered to your list
        6. Proof of using our tools to validate a profitable niche 
        7. Ideal audience profile created using our market research strategies and tools 
        8. Proof of active participation, initiative, and responsiveness in the private LLA student Facebook community 
        9. A progress rate of at least 80% within the Kajabi member’s portal 
        10. Screenshots and proof that you have made an effort to ask questions when experiencing challenges during the program 
        11. A minimum one-page write up on the top 3 lessons you learned from the program and a fair reason of why you think the program didn’t work for you  
  2. Disclaimer: Due to the digital nature of our course, we do not offer refunds for those who do not do their due diligence to ensure the course is the right fit for them. 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. Please note, we do not offer partial refunds for our programs and our exclusive bonuses and course extensions are non-refundable under any circumstances
  3. Blocklist + Disputed Payments. Lavish Ruby & CO. retains the right to ‘Blocklist’ you from accessing all materials, courses, or other products or services she offers 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. International Inc. Under the conditions that: 
    1. the outstanding balance has been paid in full 
    2. That the student will not eligible for a refund for the remainder of their course access. 
      1. 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. 
  4. Payment Plans. Lavish Ruby & CO. payment options at the time of purchase, so you can either pay in full or in monthly installments. If you opt for a payment plan, you will be responsible for paying the remaining invoices unless you obtain a refund through our Do The Work Refund Policy. By signing up for our payment plan, you agree to pay the entire balance owing of your payment plan. If you wish to pay off your remaining account balance in full, you can do so at any time, but to be eligible for our discounted pay-in-full price and bonus, you must email us within 30 days of enrolling. In the event that a payment is not made, Lavish Ruby & CO. will temporarily suspend access until the payment(s) is caught up. After three failed payments, you understand Lavish Ruby & CO. may contract a collection agency to collect the money from you. Please note, Lavish Ruby & CO. will not be held accountable for any foreign transaction fees charged by your bank.
  5. 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.
    1. 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.
    2. 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.
  6. Course Access. All LLA  students receive monthly limited access to our program and private student community. Student access activates immediately upon enrolling in the program, and is revoked at time of cancellation or payment failure.
  7. No Guarantees. 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.
  8. Limitation of Liability. Under no circumstances, including but not limited to negligence, will we or any of our licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products or services provided pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Sites or at one of our events. We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest blog posters or speakers in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.
  9. No Professional Advice. The information contained in or made available through the Sites (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Sites. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.
  10. Parental Permission. 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.
  11. 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 agrees 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.
  12. Entire Agreement. These terms and conditions and any other legal notices, policies and guidelines of Lavish Ruby & CO. linked to these terms and conditions or contained on this Site constitutes the entire Agreement between you and Lavish Ruby & CO. 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 by Lavish Ruby & CO.
  13. Site Terms of Use Modifications. Lavish Ruby & CO. may revise these terms of use for its website at any time without notice. By using the Site, you are agreeing to be bound by these Terms and Conditions of Use.
  14. Limitation of Liability and Indemnity. In no event shall Lavish Ruby & CO. 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 Lavish Ruby & CO. has been notified orally or in writing of the possibility of such damage. 
  15. Governing Law. Any claim relating to the Lavish Ruby & CO. website shall be governed by the laws of New York, NY, without regard to its conflict of law provisions. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. 
  16. Indemnity. As a condition of your use of the Site, you hereby indemnify Lavish Ruby & CO. 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.