TERMS & CONDITIONS OF USE

This website and its related services, products, and content are owned and operated by 6-Figure CEO, a business led by Netiva Heard, which may also include offerings under the The Frugal CrediTnista (TFC) brand. For questions about these Terms and Conditions or any of our services, please contact us using the information provided in the “Contact Information” section below.

Last Updated on 11th November 2024.

General Provisions

Binding Notice:
These Terms and Conditions of Use are legally binding. It is Your responsibility to read and understand them fully before purchasing, using, or accessing any of Our products, services, or offerings, including but not limited to online courses, coaching programs, templates, group coaching sessions, memberships, and downloadable resources. By accessing or using this site or its content, you agree to these Terms and Conditions. If you do not agree, you should cease using the site immediately.

Right to Update:
We reserve the right to update and revise these Terms and Conditions at any time without prior notice. Any changes will be reflected with the “Last Updated” date at the top of this page. It is Your responsibility to review these Terms and Conditions periodically to stay informed of any updates.

Age Requirement:
You must be at least 18 years of age to access this website or its offerings. By using this website, you represent that you are at least 18 years old or the age of majority in your jurisdiction. Use of this site or its materials by minors is strictly prohibited.

Assumption of Risk:
Use of this website and its content is at Your own risk. While we take reasonable steps to maintain a secure and reliable platform, we make no guarantees regarding the safety, performance, or uninterrupted use of this site or its associated platforms.

2. Terms of Site, Product Access, and Purchaser Agreement

Ownership and Offering:
All programs, products, services, and content on this website are owned, created, and provided by 6-Figure CEO and/or Netiva Heard, including content that may also be branded under The Frugal CrediTnista (TFC). These Terms and Conditions govern your use and access to our offerings, which include, but are not limited to, courses, coaching programs, templates, memberships, and downloadable resources (collectively referred to as the “Offerings”).

User Consent:
By purchasing, accessing, or using any Offering, you acknowledge that:

You have read, understood, and agreed to abide by these Terms and Conditions.
You are legally bound to these Terms and Conditions regardless of whether you have explicitly read them in full.
You agree to follow any additional guidelines or instructions provided with specific Offerings.

Non-Transferable Access:
Your purchase of an Offering grants you a limited, revocable, non-transferable license for personal use only. You may not share, resell, alter, or otherwise distribute any materials, access links, or login credentials associated with our Offerings. Violation of this condition will result in immediate termination of access without a refund, and potential legal action may follow.

Access Duration:
Access to Offerings may have specific durations, which will be clearly stated at the time of purchase. Unless explicitly stated otherwise, your access to the purchased Offering expires once the stated access period ends.

“Lifetime access” refers only to the lifetime of the specific program or product. If discontinued, no further access will be provided. It is your responsibility to download and save any allowed materials before your access expires.

No Guarantee of Results:
Our Offerings are designed for educational purposes and to provide tools and strategies for success. However, individual results may vary based on your unique circumstances, efforts, and application of the material. We make no guarantees or warranties regarding specific outcomes.

Payment Obligations:
You agree to pay the full price for any Offering at the time of purchase unless you opt for an available payment plan. Payment plans are a commitment to pay the entire amount agreed upon. Missed or declined payments may result in immediate suspension of access until all payments are resolved. Outstanding balances may be sent to a collections agency.

Refund Policy:
Refunds are only available under the conditions explicitly stated at the time of purchase for each Offering. Unless otherwise noted, all sales are final, and no refunds will be provided after the stated refund period, if applicable.

Changes to Offerings:
We reserve the right to modify, update, or discontinue any Offering at our discretion. If an Offering is discontinued, access to previously provided content will remain available for the duration of the access period unless otherwise stated.

Prohibited Activities:
When accessing or using our Offerings, you agree not to:

Share or distribute any content without prior written permission.
Replicate, reproduce, or reverse-engineer any materials or proprietary systems.
Engage in any unlawful activity or violate intellectual property rights.
Provide false or misleading information during purchase or registration.

Violations of Terms:
We reserve the right to terminate your access to our Offerings if you violate these Terms and Conditions. Termination does not excuse payment obligations for completed or pending transactions.

3. Intellectual Property Rights

Ownership of Materials:
All content, materials, and intellectual property provided by 6-Figure CEO, Netiva Heard, and/or The Frugal CrediTnista (TFC), including but not limited to text, images, designs, videos, audio files, course materials, workbooks, templates, graphics, trademarks, service marks, and trade dress, are owned by the company and are protected under copyright, trademark, and other intellectual property laws.

This includes any materials provided as part of our Offerings or available on our website, courses, emails, or private membership areas.

License of Use:
When you purchase or access any of our Offerings, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the materials for personal, non-commercial purposes only.

This license does not grant you ownership of the content.
Materials are for your individual use only and may not be shared, reproduced, or distributed in any form.

Prohibited Uses:
You are expressly prohibited from:

Reselling, redistributing, or reproducing any content in whole or in part.
Claiming ownership or credit for any materials, including course content, downloadable resources, or templates.
Using any content for commercial purposes or incorporating it into your own programs or products.
Sharing login credentials, download links, or any materials with third parties.
Modifying, copying, or reverse-engineering any materials to use as your own.
Distributing any materials without express written consent from us.

Attribution:
If you wish to share or reference any materials, you must obtain prior written permission and provide clear credit to 6-Figure CEO, Netiva Heard, or The Frugal CrediTnista (TFC), along with appropriate copyright and trademark notices.

Violation of Intellectual Property Rights:
If you violate these terms or infringe on our intellectual property rights, we reserve the right to:

Revoke your access to all Offerings without refund.
Pursue civil or criminal legal action for damages and/or injunctive relief.
Seek financial penalties for any harm caused by your actions.

Request for Use:
If you wish to use any materials for purposes beyond the limited license provided, you must submit a formal request to support@TheFrugalCrediTnista.com for consideration. Approval is at our sole discretion.

Digital Rights Management (DRM):
We reserve the right to implement DRM measures to protect our intellectual property. Any attempt to bypass or disable such measures is prohibited and may result in immediate termination of access and legal action.

4. Payment Policies

Accepted Payment Methods
We accept payments via the methods displayed at checkout, including major credit and debit cards. Additional payment options may be available depending on the product or service. All payments are processed securely through our payment platform.

Buy Now. Pay Over Time—Interest-Free
For your convenience, we offer a third-party financing option through providers such as Afterpay (or similar services), allowing you to split your purchase into manageable interest-free installments. Please note:

When using Afterpay or a similar provider, your payment agreement is directly with the third party.
Any questions or disputes about your payment plan must be directed to the third-party provider according to their terms and conditions.

Installment Payment Plans
For select offers, we provide installment payment plans to make our products more accessible. By choosing a payment plan, you agree to the following terms:

Commitment to Full Payment: Payment plans are not a “try before you buy” or pay-as-you-go option. You are committing to pay the full price of the product across the duration of the plan, regardless of how much of the product you have accessed or completed.
Timely Payments Required: You are responsible for ensuring all installment payments are made on time.
Failed Payments: If a payment fails, you will receive an automated email notification. Our system will attempt to process the payment again within 48-72 hours. A total of three retries will be made over the course of the following week.
Access Revocation for Non-Payment: Failure to pay as agreed will result in immediate suspension of access. Continued failure may lead to account termination and the outstanding balance being sent to collections.
Reinstatement Upon Full Payment: To regain access after suspension, you must pay the remaining balance in full.

Refunds are not issued for partially completed payment plans.

By selecting an installment payment plan, you agree to these terms and understand the importance of fulfilling your payment commitment.

Chargebacks
By completing your purchase, you agree to these Terms and Conditions. You agree to make every attempt to file a refund directly with us via our Support and Contact Methods before initiating a chargeback with Your financial institution.

Unauthorized chargebacks may result in suspension of access, immediate termination of your account, and your debt being sent to a collections agency.
We reserve the right to provide proof of your purchase and access to resolve disputes with financial institutions.
In the event of a chargeback attempt, you expressly agree to forfeit any and all of our bonuses, affiliate bonuses, or other materials afforded to you in exchange for your original purchase of our Offering, if applicable.

5. Refund and Cancellation Policy

Refund Eligibility

Refunds are granted only under the specific terms stated at the time of purchase for each Offering. Unless otherwise noted, all sales are final. By completing a purchase, you acknowledge that you have reviewed and understood the refund policy for the specific product or service.

Non-Refundable Components Include, but Are Not Limited To:

The following items are non-refundable under any circumstances:

Digital downloads, including templates, checklists, and playbooks.
Bonus materials included with your purchase.
Partially completed services or courses.
Subscription-based or membership products after access has been granted.

Deadlines for Refund Requests

To request a refund, you must:

Submit your request in writing to support@6figureceo.com within the specified refund period outlined at the time of purchase.
Include your name, purchase details, and reason for the refund request.

Requests made after the stated refund deadline are not eligible for consideration.

Chargebacks and Disputes

Initiating a chargeback with your financial institution without contacting us to resolve the issue first is considered a violation of this agreement. If a chargeback is initiated:

All bonuses, resources, or additional materials provided with the Offering will be forfeited.
Your account may be flagged, and you will be ineligible for future purchases.
We reserve the right to provide proof of your purchase and acceptance of these Terms and Conditions to the investigating financial institution.
Your case may be referred to a third-party debt recovery agency.

Cancellations for Installment Plans

Installment plan payments are a commitment to pay the entire purchase price over the agreed term. Cancellation of a payment plan does not entitle you to a refund of prior payments, nor does it cancel your obligation to pay any remaining balance. In the event of cancellation, access to the Offering will be revoked until all outstanding balances are paid in full.

Exceptional Circumstances

Refunds for exceptional circumstances, such as verified medical emergencies or platform-wide technical issues, will be evaluated on a case-by-case basis. To request a review, contact support@6FigureCEO.com with detailed information about the issue.

Policy Changes

This refund policy may be updated at any time to reflect new terms or conditions. Please review the refund policy applicable to your purchase at the time of sale.

6. Revisions and Support

Revisions:

For digital content, courses, and templates, revisions or updates are not guaranteed unless explicitly stated in the Offering. Revisions are limited to correcting errors or omissions as outlined in the original creative brief or program outline.

Support Availability:

We provide support during standard business hours:

Monday–Friday: 10:00 AM to 4:00 PM CST
Saturday, Sunday, and U.S. Federal Holidays: Closed

Support inquiries may be sent to support@6FigureCEO.com. We aim to respond within 1–2 business days during operational hours.

Post-Purchase Support Limitations:
Support is limited to technical assistance with accessing purchased content or guidance on usage within the terms provided. Support does not include personalized coaching, extensive how-to guidance, or post-purchase modifications outside of what is explicitly included in your purchase.

We do not provide support for troubleshooting third-party tools, integrations, or platforms not directly offered by 6-Figure CEO.

7. Affiliate and Earnings Disclaimer

Affiliate Disclosure:

Our site may include affiliate links, which means we may earn a commission if you click on or purchase through those links. These commissions help support our business and the free resources we provide. Please note:

We only promote products and services we genuinely believe in and use or trust.
Clicking an affiliate link and making a purchase does not incur additional costs to you.
We are not responsible for any issues or disputes arising from your purchase through affiliate links. You must address those directly with the third-party provider.

Earnings Disclaimer:
All testimonials, case studies, and examples shared on this website are individual results and are not typical. By using our products or services, you acknowledge and agree that:

Results vary based on factors such as individual effort, background, and application of the materials provided.
We make no guarantees regarding financial, personal, or business success as outcomes depend on your unique circumstances and actions.
Any projections or expectations of income are illustrative only and not promises of actual results.

By proceeding with any Offering, you agree to these terms and understand that results are not guaranteed.

8. Security and Risk Assumption

Account Security:
You are responsible for maintaining the confidentiality of your login credentials, including usernames and passwords. You agree to:

Use secure passwords and protect your account from unauthorized access.
Notify us immediately at support@6FigureCEO.com if you suspect unauthorized use of your account.

We are not liable for any losses or damages caused by your failure to secure your account credentials.

Risk Assumption:
By accessing or using our Offerings, you agree to assume all risks associated with:

The use of provided materials, strategies, or educational content.
Implementing any advice, recommendations, or guidance provided in our Offerings.

No Guarantees:
We do not guarantee any specific outcomes from your use of our materials. Our content is for informational and educational purposes only. You acknowledge that:

Financial, personal, or business results are dependent on your actions and external circumstances.
Any decisions or actions you take are your sole responsibility.

By purchasing or using our Offerings, you agree to indemnify and hold harmless 6-Figure CEO and its affiliates from any claims, damages, or liabilities arising from your use of the content.

9. Privacy Policy

Data Collection, Storage, and Usage:
Your privacy is important to us. Please refer to our Privacy Policy for detailed information on how we collect, store, and use your data. Key points include:

We collect personal data necessary to process your purchases, provide access to our Offerings, and communicate with you about updates and related services.
Your data is securely stored and will not be shared with third parties unless required to provide the services you have requested or as mandated by law.
We may use aggregated, anonymized data for business insights and improvements.

Third-Party Payment Processor Terms:
Payments are processed securely via third-party providers (e.g., Stripe, Afterpay, or similar services). By completing a purchase, you agree to the terms and conditions of these third-party processors. We are not responsible for any issues arising from their services, including delays, errors, or unauthorized transactions. Refunds or disputes related to third-party payments must be resolved directly with the payment processor. For questions about payment processing, please contact the payment provider directly.

10. Delivery and Access

Delivery Timeframes:

Digital Products: You will receive access to digital products immediately after payment is processed, unless otherwise stated during checkout.
Courses and Memberships: Access to online courses or membership platforms is granted within 48 hours of purchase. Any exceptions will be communicated clearly at the time of purchase.

Expiry Dates for Access:

Courses and Memberships: Access duration will vary by product and will be stated at the time of purchase. Upon expiration, access will be revoked unless explicitly renewed under the terms provided.
Downloadable Resources: These are yours to keep after purchase, provided no refund or chargeback has occurred.

Handling of Technical Issues or Delays:
While we strive to ensure uninterrupted access, occasional technical issues may occur. In such cases:

Report any issues to support@6FigureCEO.com, and we will work to resolve them promptly.
We are not liable for delays caused by external platforms, service outages, or user error.
Extensions to access periods or adjustments to deadlines are not guaranteed and will be provided solely at our discretion.

11. Termination and Revocation of Access

Revocation of Access:
We reserve the right to terminate or revoke access to our Offerings under the following circumstances:

Unpaid Balances: Access will be suspended for missed payments until all outstanding amounts are resolved.
Misuse or Violations: Sharing login credentials, distributing content without permission, or engaging in behavior that violates these Terms and Conditions will result in immediate termination without refund.
Fraudulent Activities: Any attempt to circumvent our systems, such as unauthorized access or payment fraud, will result in permanent account suspension and potential legal action.

Customer-Initiated Termination:
If you wish to terminate access or discontinue your participation in an Offering:

Submit your request in writing to support@6FigureCEO.com.
Termination does not exempt you from any outstanding payment obligations for installment plans or subscriptions.

Final Provisions:
Termination of access does not entitle you to a refund unless explicitly stated in the Offering’s refund policy. All payments made before termination are non-refundable.

12. Limitations of Liability

Disclaimers for Errors, Omissions, or Outdated Content:
We strive to provide accurate and up-to-date content across all Offerings. However, we do not guarantee the completeness, reliability, or accuracy of information provided. By accessing or using our Offerings, you acknowledge that:

Errors or omissions may occur, and we are not liable for any reliance on such information.
Content is subject to updates, and outdated materials may not always be corrected promptly.

Exclusion of Liability for Third-Party Tools, Platforms, or Failures:
Some of our Offerings may integrate third-party tools, platforms, or services (e.g., payment processors, hosting services). We are not liable for:

Failures, errors, or security issues related to third-party systems.
Losses or damages arising from your use of or inability to access such third-party platforms.

Limitations for Indirect or Consequential Damages:
To the fullest extent permitted by law, we are not responsible for indirect, incidental, special, or consequential damages, including but not limited to:

Loss of income, revenue, business opportunities, or data.
Emotional distress, reputational harm, or personal or professional setbacks.
You agree that your sole remedy for dissatisfaction with our Offerings is to discontinue use.

Damages resulting from interruptions in access caused by third-party outages.

13. Dispute Resolution

Good-Faith Negotiation or Mediation:
Before pursuing legal action, you agree to make a good-faith effort to resolve any dispute or claim through negotiation or mediation. To initiate a dispute resolution process, you must:

Submit your concern in writing to support@6FigureCEO.com.
Allow at least 30 days for us to investigate and respond to your claim.

Jurisdiction and Governing Law:
These Terms and Conditions are governed by and construed in accordance with the laws of the State of North Carolina, United States. You consent to personal jurisdiction and venue in the state and federal courts located in North Carolina for any disputes arising under these Terms.

14. Non-Disparagement Clause

By accessing our Offerings, you agree not to:

Publish or communicate any slanderous, libelous, or false statements about our company, services, or staff in any medium, including but not limited to social media, review sites, or public forums.
Engage in any actions intended to harm our reputation, including malicious or defamatory conduct.

Violations and Remedies:
If you violate this clause:

We reserve the right to terminate your access to all Offerings without refund.
Legal action may be pursued for damages resulting from reputational harm.

Feedback and Concerns:
We encourage constructive feedback and invite you to share concerns directly with us at support@6FigureCEO.com. Our priority is to address issues promptly and fairly.

NOTE: Public defamatory conduct, such as false reviews, will be subject to immediate legal review.

15. Entire Agreement

These Terms and Conditions, along with any applicable Privacy Policy and any additional terms presented at the time of purchase, constitute the entire agreement between you and 6-Figure CEO (and its associated brands, including The Frugal CrediTnista).

This agreement supersedes all prior understandings, representations, or communications, whether oral or written, related to the Offerings.
Any modifications to these Terms and Conditions must be made in writing and agreed upon by both parties to be enforceable.

By accessing or purchasing our Offerings, you acknowledge that you have read, understood, and agreed to the terms set forth herein.

16. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall:

Be deemed modified to the extent necessary to make it enforceable while preserving its intent.
If modification is not possible, the provision will be severed from this agreement.

The remaining provisions shall remain in full force and effect, and the unenforceability of any one provision will not affect the validity or enforceability of the remaining Terms and Conditions.

17. Contact Information

For questions, concerns, or support inquiries related to these Terms and Conditions or any of our Offerings, you may contact us at:

Email: support@6FigureCEO.com
Mailing Address: MNHFS, Inc./Netiva Heard/6-Figure CEO, 4811 School House Commons, #160, Harrisburg, NC 28075

Privacy Policy
Last Updated: November 20, 2024

We at 6-Figure CEO, operated by Netiva Heard and including offerings under the The Frugal CrediTnista (TFC) brand, respect your privacy and are committed to protecting the personal information you provide when engaging with our website, purchasing our services, or interacting with us on third-party platforms like social media. This Privacy Policy outlines how we collect, use, disclose, and protect your information.

By using our website, programs, or services, you agree to the terms of this Privacy Policy. We will alert you to changes by updating the “Last Updated” date at the top of this page. Continued use after any changes constitutes acceptance of the updated policy.

1. Information We Collect

We collect information to improve your experience, deliver personalized services, and comply with legal obligations. This includes:

Personal Data

Personal data identifies you as an individual and may include:

Name
Email address
Billing and shipping addresses
Phone number
Payment details (processed by third-party payment processors like Afterpay or Stripe).

Derivative Data

Automatically collected by our servers when you access our website:

IP address
Browser type and version
Device type and operating system
Referring and exit pages
Dates and times of access

Financial Data

Includes payment methods used during transactions. Most financial data is securely stored by third-party processors like Stripe, Afterpay, or PayPal. Refer to their privacy policies for specifics:

Stripe Privacy Policy
PayPal Privacy Policy
Afterpay Privacy Policy

Social Media Data

If you interact with us on platforms like Facebook, Instagram, or LinkedIn, we may collect:

Your social media profile name
Location (if shared publicly)
Any other public information you’ve made available on those platforms

Cookies and Tracking Technologies

We use cookies and similar technologies (e.g., web beacons and pixels) to:

Analyze user activity and preferences
Deliver targeted advertising
Track website performance

You can manage cookies through your browser settings or opt out of personalized ads via:

Network Advertising Initiative Opt-Out Tool
Digital Advertising Alliance Opt-Out Tool

2. How We Use Your Data

We use your data for the following purposes:

Service Delivery: To process purchases, provide access to programs or memberships, and communicate updates or technical support.
Marketing: To send newsletters, promotions, or personalized recommendations.
Analytics: To analyze website performance and user behavior.
Legal Compliance: To meet regulatory requirements or respond to legal inquiries.
Security: To prevent fraud and protect user accounts.

3. Sharing Your Data

We may share your information with:

Service Providers: Third-party vendors for payment processing, email delivery, and analytics (e.g., Google Analytics, PayPal).
Affiliates: Trusted partners who promote our services.
Advertisers: For personalized advertising on platforms like Facebook and Instagram.
Legal Obligations: To comply with laws or enforce our terms of service.

We do not sell your personal information.

4. Cookies and Tracking Technologies

Essential Cookies

Allow the website to function correctly, such as enabling logins or saving shopping cart items.

Performance Cookies

Track user behavior for analytics, helping us optimize the website.

Advertising Cookies

Provide personalized advertisements based on your browsing activity.

You can disable cookies through your browser settings, but this may affect your experience.

5. Data Retention

We retain your data:

As long as your account remains active
For legal and accounting purposes
Until you request deletion

Data no longer needed will be permanently deleted or anonymized.

6. Security Measures

We follow industry best practices to safeguard your personal information:

SSL encryption for secure transactions
Restricted access to sensitive data
Regular monitoring for security threats

Despite these measures, no system is entirely foolproof. We cannot guarantee complete security, and you use our services at your own risk.

7. Your Rights

Depending on your location, you may have the following rights:

Access: Request a copy of your personal data.
Correction: Update incorrect or incomplete information.
Deletion: Request that we delete your data (except where required by law).
Restriction: Limit how we use your data in certain circumstances.
Portability: Request a transferable copy of your data.
Opt-Out: Unsubscribe from marketing communications.

To exercise these rights, email support@6FigureCEO.com.

8. Children’s Privacy

Our services are not intended for children under 13. If we inadvertently collect information from a child, we will delete it upon notification.

9. External Links

Our website may contain links to third-party websites. We are not responsible for their content or privacy practices. Review their policies before engaging.

10. Changes to This Policy

We may update this Privacy Policy at any time. Material changes will be highlighted on our homepage for 30 days after publication.

11. Contact Information

For questions or concerns, contact us:

Email: support@6FigureCEO.com
Mailing Address: P.O. Box 12345, Chicago, IL 60601

Legal Disclaimer: Every effort has been made to accurately represent our content, courses, trainings, programs, and their potential. Testimonials and examples shared are exceptional results and are not intended to represent or guarantee that anyone will achieve the same or similar outcomes. Your success depends on factors including your background, dedication, and motivation. All business ventures carry inherent risks, including loss of capital, and there is no guarantee that you will earn any money.

We’re committed to building an inclusive, intersectional business for our clients, team, and wider community. This includes, but is not limited to: race, nationality, sexuality, gender, (dis)ability including physical and mental health, neurodiversity, size, religion, socioeconomic background, parenthood, and those with caring responsibilities.