Terms of Service

WEALTHY BY DESIGN LLC
TERMS AND CONDITIONS OF USE 


Please read these Terms and Conditions of Use (“TOU”) carefully before you enroll in Small Business Money School or 7 Figure Wealth as this document addresses your participation in those programs. 

You must agree to these TOU before you are permitted to use any Wealthy by Design LLC digital or downloadable resources, or online courses, or participate in any group financial coaching, classes, programs, events, workshops, or trainings, or enter any online private forums operated by Wealthy by Design LLC (for any purpose), whether on a website hosted by Wealthy by Design LLC or a third-party website, such as an online course platform or Slack.com (collectively “the Program”). 

If you do not agree with these TOU, you may not use the Program.

As used in these TOU, the term “Releasees” is defined to include the following: (i) Wealthy by Design LLC, its subsidiaries, affiliated companies, owners, members, managers, directors, officers, past and present employees, agents, coaches, representatives, successors and assigns (collectively “the Company”); (ii) any Company volunteers; and (iii) Gina Knox.


THE PROGRAM
You will receive the services outlined on the webpage where you register for the Program. The Company may adjust the delivery of the services in its sole discretion, based on scheduling, availability, engagement or other factors, and will notify you of any changes. 

This Program is intended and only suitable for individuals aged eighteen (18) and above. Some of the content in this Program may not be appropriate for children. Company hereby disclaims all liability for use by individuals under the age of eighteen (18).

The Company reserves the right to offer additional Program elements from time to time, for any subgroup of participants. These additional Program elements are a bonus, not a part of the services included in the base version of the Program. The selection of the participants who may participate in any additional Program elements is at the sole discretion of the Company.

If you wish to purchase any other products, programs or services from the Company, all terms of these TOU will continue to apply unless superseded by another agreement in writing.


PAYMENT
You agree to the fees and payment schedule selected at checkout. 

If you select the installment plan option, you agree to pay the first installment immediately upon registering. Recurring monthly payments will automatically continue to be charged every month until all payments in the installment plan have been completed. 

If paying by debit card or credit card, you give the Company permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services).

If payment is not received when due, the Company reserves the right to terminate your access to the Program and all Content, as defined below, immediately and permanently.  

If you fail to make any payment in a timely manner or voluntarily withdraw from the Program at any time or for any reason, you will remain fully responsible for the full cost of the Program and all payments in any installment plan you have chosen. The Company reserves the right to charge a late fee on all balances more than thirty (30) days overdue. You agree to reimburse the Company for all collection and/or legal fees and expenses necessitated by lateness or default in payment.


REFUNDS
Your satisfaction with the Program is important to us. However, because of the extensive time, effort, preparation and care that goes into creating and providing the Program we have a no refund policy. Unless otherwise provided by law, you acknowledge that we do not offer refunds for any portion of your payment for the Program and no refunds will be provided to you at any time. By using and/or purchasing our Program, you understand and agree that all sales are final, and no refunds will be provided.

The Company reserves the right, in its sole discretion, to determine how to manage a participant who violates these TOU. Therefore, if you disagree with how the Company handles another participant’s situation and request a refund, the Company will deny such request.

Furthermore, if a participant violates these TOU, the Company reserves the right, in its sole discretion, to offer the participant another opportunity to abide by these TOU. If you disagree with the Company offering another participant a second opportunity to follow these TOU, no grounds for you to receive a refund would be created, and any request for a refund on this basis shall be denied.

If, in the Company’s sole right and discretion, you persist with behaviors or actions that violate these TOU, the Company may terminate your access and participation in the Program without notice and without refund. 

The Company may offer additional Program elements for any subgroup of participants. The Company reserves the right, in its sole discretion, to offer client participation in these additional Program elements to specific participants. If you are denied participation in these additional Program elements, no grounds to receive a refund would be created and any request for a refund on this basis will be denied.

Since we have a clear and explicit refund policy in these TOU that you have agreed to prior to completing the purchase of the Program, we do not tolerate or accept any type of chargeback threat or actual chargeback from your credit card company or payment processor. If a chargeback is placed on a purchase or we receive a chargeback threat during or after your purchase, we reserve the right to report the incident to all three credit reporting agencies or to any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could have a negative impact on your credit report score. The information reported will include your name, email address, order date, order amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.


INTELLECTUAL PROPERTY RIGHTS
Ownership of the Content
The words, videos, voice and sound recordings, training materials, design, layout, graphics, photos, images, information, materials, documents, spreadsheets, data, databases and all other information and intellectual property accessible on or through the Company website, any third-party website the Company may use to distribute or host the Program, and contained in e-mails sent to you by the Company, as well as the look and feel of all of the foregoing (“the Content”) is property of the Company and/or our affiliates or licensors, unless otherwise noted, and it is protected by copyright, trademark, and other intellectual property laws.

The Company’s Limited License to You
If you view, purchase or access the Program or any of the Content, you will be considered our Licensee. For the avoidance of doubt, you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only.  

This means you may view, download, print, email and use one copy of individual pages of the Content for your own personal purposes or within your own business only. 

You may not republish, reproduce, duplicate, copy, sell, display, disclose, distribute to friends, family, or any other third party, or otherwise use any Content for commercial purposes or in any way that earns you or any third-party money (other than by applying them generally in your own business). By downloading, printing, or otherwise using the Content for personal use you in no way assume any ownership rights of the Content – it is still Company property. Any unauthorized use of the Content shall constitute infringement.  

You must receive the Company’s written permission before using any of the Content for your own commercial use or before sharing with others. 

You are strictly prohibited from uploading or distributing the Content to any website, platform, software, or database where it could be accessed or replicated by ChatGPT or other artificial intelligence technologies.

The trademarks and logos displayed on the Content are trademarks belonging to the Company, unless otherwise indicated. Any use including framing, metatags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without the Company’s written permission.

All rights not expressly granted in these terms or any express written license, are reserved by the Company.


LIFETIME PARTICIPATION IN 7 FIGURE WEALTH
If you enrolled in the Company’s mastermind, 7 Figure Wealth, upon your successful completion of that program, you may re-enroll to receive lifetime access to the 7 Figure Wealth program. 

In order to re-enroll, you agree to pay the fee provided by the Company at the time of re-enrollment and all terms in this TOU will continue to apply unless superseded by another agreement in writing. Lifetime access to the 7 Figure Wealth program is limited to the life of that program only. This means you will continue to have access to the 7 Figure Wealth program resources and can participate in any group calls or online private forums that are offered through the program for as long as the Company continues to offer the 7 Figure Wealth program, provided you pay the re-enrollment fee and comply with the terms of this TOU.

By re-enrolling in the 7 Figure Wealth program, you agree that your lifetime access extends to participating in the Program itself – you are not receiving lifetime access to any specific piece of content or particular service – and the Company may modify or update those items at any time, in its sole discretion.  

If you no longer wish to participate in the 7 Figure Wealth program, you may do so at any time, and you can email the Company at info@ginaknox.co to remove you from the program. Cancellation will not entitle you to a refund of any fees paid and you will remain obligated to pay all remaining unpaid program fees in full. 


UNAUTHORIZED USE
Your use of the Content other than that expressly authorized in this TOU or by a separate written assignment, is not permitted (“Unauthorized Use”). You agree to pay liquidated damages of five (5) times the total fees paid for the Program in the event of your Unauthorized Use, or a minimum of two thousand five hundred dollars ($2,500.00), whichever is greater, in addition to any legal or equitable remedies the Company may be entitled to pursue. This is not a penalty but an agreed liquidated damages charge for the Unauthorized Use.   
  
You agree that any violation or threatened violation of the Intellectual Property Rights terms in these TOU would cause irreparable injury to the Company that may not be adequately compensated by damages, entitling the Company to obtain injunctive relief, without bond, in addition to all legal remedies.


YOUR LICENSE TO THE COMPANY; USE IN TESTIMONIALS AND MARKETING
By posting or submitting any material during the Program such as comments, posts, photos, designs, graphics, images or videos or other contributions, you are representing to the Company that you are the owner of all such materials, and you are at least 18 years old. You are also granting the Company, and anyone authorized by the Company, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display your contributions, in whole or in part, in any manner or medium, now known or developed in the future, for any purpose, and are granting the Company the right to make it part of the Company’s current or future Program and Content. This right includes granting the Company proprietary rights or intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by the Company to you.  

You also consent to photographs, videos, and/or audio recordings, including teleconference calls, webinars, or other communications, that may be made by the Company during the Program that may contain you, your voice and/or your likeness. In the Company’s sole discretion, we reserve the right to use these photographs, videos, and or/audio recordings and/or any other materials submitted by you to the Company or created by the Company in connection with your participation in any Program, without compensation to you at any time, now or at any time in the future.  

You also grant the Company, and anyone authorized by the Company, the right to use your likeness and identify you as the author and individual depicted in any comments, posts, photos, images, videos or other contributions created by you or the Company, or by name, email address, or screen name, for any purposes, including commercial purposes and advertising. You acknowledge that the Company has the right but not the obligation to use any contributions from you and that the Company may elect to cease the use of any such contributions in the Program or in the Content at any time for any reason. 

This means you give the Company permission to use anything you submit or post in the Program or any third-party forum or website operated by the Company, or anything captured by the Company during your participation in the Program, including images in which your face is visible and recognizable.   


REQUEST FOR PERMISSION TO USE THE CONTENT
If you wish to use any of the Content, or any other intellectual property or property belonging to the Company, you should request permission in writing BEFORE you use the Content by sending an e-mail to info@ginaknox.co.

If you are granted permission by the Company, you agree to use the specific Content that the Company allows and only in the ways for which the Company has given you its written permission. If you choose to use the Content in ways that the Company does not specifically give you written permission, you agree now that you will be treated as if you had copied, duplicated and/or stolen such Content from the Company, and you consent to immediately stop using such Content and to take whatever actions as we may request and by the methods and in the time frame that we prescribe to protect our intellectual property and ownership rights in the Content.


COACH-CLIENT RELATIONSHIP
The coaching relationship is co-creative, meaning that the Company’s coaches and you are equal partners throughout the coaching process. 

Your Coaches’ Responsibilities
- Your coaches are trained to use coaching skills and tools to help you understand and resolve issues and pursue your goals.
- Your coaches will provide information, education, and guidance to group participants so that you are able to make decisions on your own behalf. 
- Your coaches will support you in identifying and using resources so that you can address your needs and promote financial wellness. 
- Your coaches will assist you with developing and maintaining a spending plan, guide you through money management, help you to understand credit and how to set up proper record keeping. 
- Your coaches will answer questions through whatever forum your Program provides during its regular operating hours (CST), which may be through the Company’s website, Slack, virtual events, private message or live group coaching call. Most questions are responded to within 48 business hours of receipt

Your Responsibilities
- You agree to complete all tasks assigned during the Program, including but not limited to watching or listening to videos, completing worksheets and assignments, and attending coaching sessions.
- You agree to provide all tools, information and documentation that the Company may require to provide the financial coaching services. 
- You agree that your relationship with the Company is that of a coach-client relationship and that no other professional relationship has been established.
- You agree that coaching is not to be used as a substitute for professional advice of any kind, and you agree to seek professional guidance independent of the coaching relationship.
- You are responsible for requesting support from the Company when support is needed. 


GUEST AND SUPPORT COACHES
The Company makes no guarantees or promises that you will receive financial coaching from any particular coach. The Company may have guest coaches or may hire support coaches to provide financial coaching to you, at any time during the Program. The Company reserves the right to assign any and all duties, responsibilities, and obligations under the terms of this TOU to any qualified party of the Company’s choosing to provide financial coaching to you, without providing advanced notice or obtaining consent from you. 


YOUR CONDUCT
The Program is a “pitch free zone.” You agree you will not pitch, promote, market, or sell any other products, groups, programs, or events to Program participants on any Company website or third-party forums operated by the Company, whether or not officially sanctioned, owned, or operated by the Company. This means you agree not to form, or ask Program participants to join, “shadow” groups on social media or any other platform, or in-person meetups, based on interests or locality. You agree you will not invite Program participants to participate in events, such as a meetup or seminar without first receiving approval from the Company. You agree not to market, promote, or sell any products or services including other coaching services, or financial products and services to Program participants, unless you are authorized or requested to do so by the Company.

Please choose carefully the materials that you upload to, submit to, or embed on any website operated by the Company and any third-party forums operated by the Company. Any material you post on the Company’s website or in any third-party forums operated by the Company could become public. 

You are responsible for any comments, posts, photos, images, videos or other contributions you share during the Program and for any liability that may result from any such contributions. You participate, comment, and post material at your own risk. Any communication by you on the Company’s website and any third-party forums operated by the Company, whether by leaving a comment, participating in a chat, public or private forum, or other interactive service, must be respectful. You may not communicate or submit any content or material that is abusive, vulgar, threatening, harassing, knowingly false, defamatory or obscene or otherwise in violation of any law or the rights of others. You agree to post comments or other material only one time. 

You are strictly forbidden from the following:
• Harassing, fighting with, or being disrespectful to other participants
• Causing damage to any Company website or third-party forums operated by the Company
• Using any Company website or third-party forums operated by the Company for any unlawful, illegal, fraudulent or harmful purpose or activity
• Using any Company website or third-party forums operated by the Company to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger or other malicious software
• Using any Company website or third-party forums operated by the Company to transmit, send or deliver unsolicited communications or for other marketing or advertising purposes
• Systematically or automatically collecting data from any Company website or third-party forums operated by the Company
• Sharing information from other participants with anyone else
• Using discriminatory speech, hate speech, comments, or actions against another participant based on their sex, gender, age, ethnicity, race, socio-economic status, disability, or other labels

The Company does its best to create a safe and welcoming space for all participants, however, the Company cannot guarantee that all participants will follow these guidelines. The Company, in its sole discretion, may remove any participant’s comments, posts, content or materials, however, the Company does not have a duty to review all comments, posts, content and material shared within any online private forums or groups or on any group call. Therefore, the Company shall not be held liable for any participant’s comments, actions, posts, content or materials that result in another participant’s trauma or discomfort.

If, in the Company’s sole discretion, your conduct violates these TOU in any way, you agree that the Company may immediately and permanently terminate your participation in the Program and your access to the Content without refund.  

The Company, in its sole discretion, may delete or modify, in whole or part, any post, comment or submission to the Company’s website and any third-party forums operated by the Company. The Company does not, however, have any obligation to monitor posts, comments, or material submitted by third parties. The Company neither endorses nor makes any representations as to the truthfulness or validity of any third-party posts, comments, or material on the Company website or any third-party forums operated by the Company. The Company shall not be responsible or liable for any loss or damage caused by third-party posts, comments, or materials on the Company website and any third-party forums operated by the Company.


CONFIDENTIALITY
You agree to keep all information you learn about other Program participants, their businesses, or their clients (as applicable), strictly confidential except in very rare circumstances where disclosure is required by law. You agree you will not share any recorded coaching calls or third-party forum postings outside the Program. If the Company discovers you have violated your confidentiality obligations, that will be grounds for immediate termination of your participation in the Program, without refund. 

You may use a screen name or pseudonym instead of your actual name for your participation in group coaching sessions and public posts on the Company website and in third-party forums operated by the Company. 

You agree that the Company shall not be liable for the disclosure of any of your information by another Program participant.
The Company is not legally bound to keep your information confidential. You acknowledge that your communications with the Company, including conversations with your coach, are not covered by any type of privilege. 

The Company may record coaching calls and share them in the Program, on the Company’s website, or on third-party forums operated by the Company and may incorporate the recordings into its resource library for future programs. Due to privacy and intellectual property concerns, you may not use AI technology to record or transcribe any coaching sessions. 


USERNAME AND PASSWORD
To access certain features of the Program, including the community and resource library, you may need a username and password. You agree to keep your username and password confidential. You agree to provide true, accurate, current and complete information about yourself during the registration process. If the Company has reasonable grounds to suspect that you have provided false information, shared your username and password with anyone else, or forwarded any non-public material from the Program to any other person, the Company has the right to suspend or terminate your participation in the Program and access to the Content, in whole or part, without refund. Any personally identifiable information you provide as part of the registration process is governed by the terms of the Company’s Privacy Policy.


TERMINATION
The Company reserves the right in its sole discretion to refuse or terminate your participation in the Program and access to the Content, in full or in part, upon delivery of written notice, at any time. The Company may terminate your participation in the Program at any time, without refund, if you breach any part of these TOU. 

In the event of termination or expiration of your participation in the Program, you are no longer authorized to access the Program or Content. The restrictions imposed on you in these TOU with respect to the Program and Content will apply during your participation in the Program and will continue in the future, even after termination by you or the Company or after your participation expires.


ASSUMPTION OF RISK, RELEASE, DISCLAIMERS
The Program and Content are for informational and educational purposes only, and should not be construed as legal, financial, tax, investment, or other advice. The Program and Content is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, financial or tax advisor. You are responsible for your own financial and legal decisions, choices, actions and results. Your participation in the Program does not establish any professional relationship of any kind between you, the Company, or anyone providing coaching services on behalf of the Company. You should consult with a licensed professional if you have specific questions about your own unique situation. The Company disclaims any liability for your reliance on any opinions or advice contained in the Program. 

All investments involve a degree of risk, including the risk of financial loss. The stock market is variable, so you should not assume that an investment will continue to do well in the future simply because it’s done well in the past. Past performance is not a guarantee or predictor of future performance. The Company makes no guarantees

You acknowledge that, by engaging with the Company for the Program, you voluntarily assume an element of inherent risk, and knowingly and freely assume all risk and responsibility for any damages or losses that you may incur and release, covenant not to sue, and hold the Releasees harmless from any and all liability to you, your personal representatives, assigns, heirs and next of kin, for any and all claims, causes of action, obligations, lawsuits, charges, complaints, controversies, damages, costs or expenses of whatsoever kind, nature, or description, whether direct or indirect, in law or in equity, in contract or in tort, or otherwise, whether known or unknown, arising out of or connected with your participation in the Program, whether or not caused by the active or passive negligence of the Releasees. This release is not intended as an attempted release of claims of gross negligence or intentional acts by Releasees.

In the event that the release and hold harmless provision is held unenforceable for any reason, you agree to limit any damages claimed to the total paid to the Company for the Program.


EARNINGS AND RESULTS DISCLAIMER:
You agree that the Company has not made and does not make any representations about the earnings or results you may achieve as a result of participating in the Program. The Company cannot and does not guarantee that you will achieve any particular result or earnings from your participation in the Program or that you will achieve your financial goal. You understand that results and earnings will differ for each individual. Any testimonials or reviews shared by the Company are not a representation of guaranteed results. 

Any links to third-party products, services, or sites are subject to separate terms and conditions. The Company is not responsible for or liable for any content on or actions taken by such third-party company or website. Although the Company may recommend third-party sites, products or services, it is your responsibility to fully research such third parties before entering into any transaction or relationship with them.

The Company tries to ensure that the availability and delivery of the Program and Content is uninterrupted and error-free. However, the Company cannot guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or updates, although, of course, the Company will try to limit the frequency and duration of such suspension or restriction.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE PROGRAM ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE PROGRAM OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE COMPANY’S WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE PROGRAM, INCLUDING ITS CONTENT, PRODUCTS OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE PROGRAM.


SECURITY
You acknowledge that there is an inherent risk in all forms of electronic communication, and communications between you and the Company may be unlawfully intercepted by third parties
not under the Company’s control. The Company does not guarantee the security of any information transmitted via the Internet, telephone, video conference, or other electronic media. Any efforts you undertake to communicate with the Company are done at your own risk. 


LEGAL DISPUTES AND WAIVER OF CLASS ACTION
These TOU shall be governed by and construed in accordance with the laws of the State of Texas without giving effect to its conflict of laws principles. The state and federal court nearest to Travis County, Texas shall have exclusive jurisdiction over any case or controversy arising from or relating to the Program or Content, including but not limited to the Company’s Privacy Policy or these TOU. By using the Program or Content, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non conveniens. The parties waive any right to bring claims as part of a class or collective action and agree to limit any litigation to individual claims they may have against one another. The prevailing party in any dispute between the parties arising out of or related to these TOU, whether resolved by negotiation, mediation, or litigation, shall be entitled to recover its attorneys’ fees and costs from the other party.


USERS OUTSIDE UNITED STATES
The Company controls and operates the Program from offices in the United States. The Company does not represent that the Program or its Content are appropriate or available for use in other locations. People who choose to access the Program from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.


INDEMNIFICATION
You agree to defend, indemnify, release, and hold harmless the Company and any directors, officers, agents, contractors, partners, assigns, successors-in-interest and its and their employees from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including but not limited to attorney’s fees) arising from or in connection with: (i) your use of the Program or Content in violation of these TOU, (ii) any breach by you of these TOU or any representation and warranty made by you herein, (iii) any comment, post, or material you submit to the Company’s website or any third-party forum or website operated by the Company, (iv) your use of materials or features available on the Program or Content (except to the extent a claim is based upon infringement of a third-party right by materials created by the Company) or (v) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.


FORCE MAJEURE
The Company shall not be deemed in breach of this TOU if the Company is unable to provide all of the Program or any portion thereof by reason of fire, earthquake, labor dispute, act of God or public enemy, epidemic, pandemic, death, illness or incapacity of the Company or any local, state, federal, national or international law, governmental order or regulation or any other event beyond Company’s control (collectively, “Force Majeure Event”). Upon occurrence of any Force Majeure Event, the Company shall give you notice of its inability to perform or of delay in completing the Program and shall propose revisions to the schedule for completion of the Program or other accommodations or may terminate this TOU.


GENERAL PROVISIONS
The Company may modify the terms of this TOU at any time and the Company will notify you of such modifications via email. Your continued participation in the Program following any modifications will signify your assent to and acceptance of those changes. If you do not agree with the revisions, you should stop participating in the Program. 

If any provision of this TOU is held invalid or unenforceable, the remainder of this TOU will remain in full force and the invalid or unenforceable provision will be replaced by a valid or enforceable provision. Any waiver by the Company of a breach of this TOU does not equal approval or waiver of any subsequent breach or violation of this TOU. You cannot assign or transfer any rights or obligations under this TOU without the Company’s prior written consent. 

This is the entire agreement between you and the Company and reflects a complete understanding with respect to the Program. This TOU supersedes all prior written and oral representations.