Client Prosperity Agreement

This document was last updated on July 3rd, 2022.

The Agreement

This Financial Coach Client Agreement, (hereinafter, the Agreement) is made and entered into on the purchase and electronic click agreement by and between UGRU Financial Coaching (UGRU), (hereinafter, the Company) at 8 The Green Suite A, Dover Delaware 19901 and the CLIENT as identified through enrollment, (hereinafter, the Client). Company and the Client are sometimes collectively referred to in this Agreement as the Parties. The Parties hereby agree to the following terms and conditions:

1. GENERAL TERMS

By purchasing or using any product, service or material (online or otherwise) offered by UGRU Financial Coaching or its Affiliates, the purchasing individual, church, or organization, or any user of our courses, technology or materials (“Client”), accepts the terms and conditions stated herein, including the General Terms.

ANY UNAUTHORIZED USE, COPYING, OR REPRODUCTION, INCLUDING ANY AND ALL DIGITAL DISSEMINATION, OF UGRU FINANCIAL COACHING OR ITS AFFILIATES MATERIALS IS STRICTLY PROHIBITED.

2. STATEMENT OF UNDERSTANDING

Client has read, understood and agrees to the Company’s Privacy Policy, Terms of Use which can be found on the ugrucoaching.com site which shall be incorporated into this agreement as if fully set forth herein. And, in the case of UGRU Software, the Statement of Services, Security and User Agreements which can be found on ugru.com site which shall be incorporated into this agreement as if fully set forth herein.

Client acknowledges that s/he is enrolling in the UGRU Client Prosperity Path Agreement. This agreement covers all products and services individually as well as any combination of individual products and services including, but not limited to Upstart Membership, Breakthroughs Membership, Thrive Membership, Masters Membership, Network Membership or Affiliate and Coach Training.

Company’s products and services for the Client reflects a rigorous curriculum and may require the completion of pre-work and homework as communicated in advance by the Company, which may vary in its time to complete and which the

Client agrees to complete prior to stated due dates and, if not completed, may cause the Client to fall behind and not experience the same level of learning and results as other’s.

Client acknowledges that a different Coach may be assigned to the Client at any time upon the sole discretion of UGRU Financial Coaching or UGRU. And, although we do our best to arrange the times and dates of individual meetings or classes for the least interruption, certain meetings or classes may be rescheduled due to Holiday or an Act of God.

Furthermore, the Terms and Conditions herein supersedes all prior written and oral understandings and writings regarding any Client Prosperity Path Course (“Coaching”). By using our Coaching, you warrant and represent that you are competent to enter this binding agreement and that you accept the terms and conditions herein

3. INTELLECTUAL PROPERTY LICENSE NOTICE

The purchase of any UGRU Financial Coaching or its Affiliates products, services or materials creates a limited, revocable license for use and presentation within guidelines stipulated throughout this Agreement

The Company materials are protected in whole and/or in part by state and federal copyright laws, trademark laws, and international treaty provisions. All title and copyrights in and to the materials, including but not limited to any images, photographs, animations, video, audio, music, text, electronic applications, and accompanying printed materials incorporated into Company materials and any copies of materials associated with the Company materials, are owned by Company or have been given express permission for use.
No one is authorized to copy any audio, video, lesson, or Coaching materials without the prior consent of Company. If violated, Company may commence civil action seeking money damages, attorneys’ fees, injunctive relief, and, in appropriate circumstances, criminal prosecution, with all reasonable legal and attorneys’ fees to be paid by the infringing customer and/or third parties.

4. ASSIGNMENT

The limited rights granted to Client herein are not assignable or transferable without express written authorization from an authorized officer of Company. Any unauthorized transfer or assignment shall be void

5. LIMITATIONS OF COACHING

UGRU Client Prosperity Path courses and training are only for educational purposes and do not qualify you as set by the standards of the insurance, accounting or securities industries as being licensed, certified or credentialed to offer tax, legal, accounting, investment or other professional advice

6. RESPONSIBILITIES

The Company agrees to coach you with integrity and to provide the most recent, truthful and sound financial education to help you, the client.

Client is responsible for creating and implementing his/her own physical, mental and emotional well-being, decisions, choices, actions and results. As such, the Client agrees that the Coach and the Company are not and will not be liable for any actions or inaction, or for any direct or indirect result of any services provided by the Coach or from any products, classes, courses or memberships.

Client understands that coaching is not to be used as a substitute for professional investment advice by a fiduciary, or other qualified financial advisor professional and will seek independent professional guidance for such matters.

Client agrees to communicate honestly, be open to feedback, assistance and create the time and energy to participate fully in the program.

7. COACHING PACKAGES AND PAYMENTS

Upon payment of any of the UGRU Client Prosperity Path Courses, memberships, products or training you shall have limited and conditional licensure of the contents and materials for one individual only or one couple. However, materials, technology and other services – are only accessible upon additional agreements made fully known at the beginning of this Agreement. The Client Prosperity Path products, memberships, courses or coaching sessions shall be offered as described in the course, session or membership outlines found at ugrucoaching.com in the appropriate product or service section.

8. SUBSCRIPTION SERVICES

UGRU Stocks™

NOT A SOLICITATION TO SELL SECURITIES: This website is not a solicitation to buy or sell futures, equities, or options.

CFTC DISCLAIMER: Futures, equities, and options trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures, equities, or options markets. Don’t trade with money you can’t afford to lose. There is substantial risk involved in trading and it is not suitable for everyone.

No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website. The past performance of any trading system or methodology is not necessarily indicative of future results. Proceed at your own risk.

CFTC rule 4.41: Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not been executed, the results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown.

All trades, patterns, charts, and systems discussed on this website are for illustrative purposes only and are not to be construed as specific advisory recommendations. No system or methodology has ever been developed that can guarantee profits or ensure freedom from losses. No representation or implication is being made that using the algorithms in our trading strategies will generate profits or ensure freedom from losses.

This brief statement does not disclose all the risks and other significant aspect of trading in futures, options, and equities. This information is strictly intended for educational purposes.

BACK TESTING: Back test means that trading strategies are applied against historical stock market activity to see how the trades could have performed. Back tests might not compensate properly for market events such as a sudden lack of liquidity and, depending on the back test, real trades could have been stopped out on a shorter timeframe than what the back test used (if stop losses are used in real trading), among other things. Back tested results are not indicative of live trading results and do not guarantee future results. There is no way to be certain that back tests accurately reflect what live results would have been.

RECOMMENDATIONS: It’s recommended that UGRU Stocks™ subscribers first get practice with the equity picks in an environment where real money is not at risk.

However, you will experience losses and it’s up to you whether to follow our alerts. ONLY you control your decision to trade. Our service simply alerts you when criteria has been met triggering a buy or sell signal.

UGRU LLC is not in the business of rendering personalized investment advice. Because only you know your risk tolerances and investing objectives, the decisions made and actions taken by UGRU LLC do not constitute a recommendation that a particular security, strategy or action taken is suitable for you or any specific person.

LEGAL: Nothing contained in this service is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment for any individual.

The Service is aimed at and published for individuals residing in the United States. UGRU LLC makes no representation that the materials provided, and actions taken by the Service are appropriate for users outside the United States or permitted under the laws of other jurisdictions.

If you choose to access or use the Service from a location other than the United States, you do so at your own initiative and risk, and you bear full responsibility for compliance with any applicable laws thereof.

None of the information portrayed on this website or our service should be considered tax advice. UGRU LLC is not a tax professional, nor does it render professional tax services.

UGRU LLC is not a registered investment advisor and is in no way responsible for the trades you make in your trading account. The services we render is a form of education and we are not liable in any way for any actions you take with your trading account or other financial decisions.

9. RETURN POLICY

The Client agrees to pay at the current posted rate and shall be due prior to the first session. If Client cancels prior to the first session one half of the cost of the course shall be refunded. No refunds will be issued once the one-on-one coaching sessions begin. However, in the instance of an online course or membership package, the guarantee shall apply if the student completes the entirety of the course.

Any Coaching Session not used within 90 days of the first session for any Coaching Package shall be forfeited unless Client purchased Lifetime Access. The Client shall not be entitled to a refund of the cost for any Training Session not used within one year from the date of purchase.

Normally, Courses are available to the client for a period of 90 days upon the purchase of the course. The Client shall not be entitled to a refund of the cost if not used within this time period. However, each course may be extended to lifetime access with an additional 10% of normally priced courses. In the event Client purchased a Membership, then access to all courses in said Membership will have a lifetime access with the exception of software and other subscription services which normally has access for up to one year before regular subscription payment are automatically processed.

If you have purchased a Membership like the Masters Membership, you will have 30 full days to determine if the Membership is valuable to you. If you request a refund prior to the 30 days in any Membership, you will be entitled to a full refund.

LIFETIME ACCESS – Lifetime Access is given in certain situations where the Client has paid an additional amount or UGRU has extended a promotional offer. The term Lifetime Access is understood as being for as long as UGRU runs the course (life of the course).

During that time, the Client will have access to all material including course revisions and additions which are an extended value to the Client.

UGRU has every intention of keeping courses and Memberships the same, but in the event a course or Membership is retired, the Client will be granted access to a comparable course or Membership.

UGRU has business continuity arrangements in the event of the owner’s death so the company, courses and memberships will continue for the benefit of the Client. If UGRU ceases to exist for any reason, it is understood there will be no refunds for Lifetime Clients who have had access for three months or longer.

The amounts payable per individual Coaching Session or for Membership packages may be adjusted at the sole discretion of the Coach, at any time. The Client waives notice of any such adjustments to the amounts payable per Coaching Session.

Discounts on this and other products and services are available only at the time of the individual Strategy Session, special advertised offers or prior to the conclusion of current course (if offer is made in the course itself) and are not available to individual customers buying directly on www.ugrucoaching.com or www.ugru.com.

10. CANCELLATION AND LATENESS POLICY.

Client agrees that it is the Client’s responsibility to notify the Coach at least 24 hours in advance of the scheduled call/meeting if the client cannot make the session. Coach will wait for 10 minutes, before the Client is noted as not turning up for the session and the session payment will be forfeited by the client.

11. WAIVER AND INDEMNITY

YOU TAKE FULL RESPONSIBILITY FOR YOUR USE OF OUR SERVICES, SITES, AND NETWORK MEMBERSHIP. YOU ACKNOWLEDGE THAT UGRU FINANCIAL COACHING, ITS AFFILIATES, AND ITS EMPLOYEES ARE NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR PROFESSIONAL ADVICE. OUR SERVICES, COURSES AND MATERIALS ARE OFFERED TO ASSIST YOU AND EDUCATE YOU IN PERSONAL FINANCE. NEITHER UGRU FINANCIAL COACHING, ITS AFFILIATES, OR ANY THIRD-PARTY VENDOR SHALL BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE) ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OUR SITE, YOUR USE OF OUR SERVICES, MATERIALS, OR THIS AGREEMENT. SUBJECT TO APPLICABLE LAW, UGRU FINANCIAL COACHING, AND ITS AFFILIATES ARE NOT LIABLE FOR ANY OF THE FOLLOWING: (A) ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE, OR BUSINESS; (B) DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS, REVENUE, PROFITS OR INVESTMENT, OR USE OF SOFTWARE OR HARDWARE THAT DOES NOT MEET SYSTEM REQUIREMENTS; (C) DAMAGES OR LOSSES RELATED TO PROFESSIONAL SERVICES OR ADVICE OF THIRD PARTIES, INCLUDING ADVERTISERS. THE ABOVE LIMITATIONS APPLY EVEN IF UGRU FINANCIAL COACHING, AND ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS AGREEMENT SETS FORTH THE ENTIRE LIABILITY OF UGRU FINANCIAL COACHING, AND ITS AFFILIATES AND IS YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICE AND ITS USE. IN NO EVENT MAY YOU BRING ANY CLAIM OR CAUSE OF ACTION AGAINST US OR OUR AFFILIATES MORE THAN ONE YEAR AFTER SUCH CLAIM OR CAUSE

OF ACTION ARISES. THE MAXIMUM AMOUNT TO WHICH UGRU FINANCIAL COACHING, AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND THIRD-PARTY VENDORS MAY BE LIABLE TO YOU IN ANY CIRCUMSTANCE SHALL NOT EXCEED THE LESSER OF (A) THE SUMS PAID BY YOU IN THE PRECEDING TWELVE (12) MONTHS FOR OUR SERVICES OR MATERIALS OR (B) FIVE HUNDRED DOLLARS ($500.00).

12. ENTIRE AGREEMENT

This Agreement (including the Full Disclosure of Physical Conditions/Informed Consent and Assumption of the Risk and Release of Liability) constitutes the entire agreement of the Parties, and supersedes any and all previous understanding, agreements, arrangements, or discussions, written or oral, between the Parties relating hereto. There are no collateral agreements, representations, or guarantees, oral or otherwise unless attached hereto and signed by both Parties.

13. WARRANTIES

THERE ARE NO WARRANTIES, REPRESENTATIONS OR GUARANTEES EITHER EXPRESS OR IMPLIED IN THIS AGREEMENT THAT ARE NOT EXPRESSLY CONTAINED IN THIS AGREEMENT, THE CONTENT OR ANY UGRU SERVICE, IT’S ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT OF THE COURSES OR OF ANY SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT FOR A PARTICULAR PURPOSE. UGRU FINANCIAL COACHING, IT’S CONTENT, AND ALL SERVICES AND/OR PRODUCTS ASSOCIATED/PROVIDED WITH THE COACHING OR THROUGH ANY OF OUR SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. THE COACH/CLIENT EXPRESSLY AGREES THAT USE OF COACHING OR SERVICES IS AT CLIENT SOLE RISK.

14. TERM AND TERMINATION

This Agreement will remain in effect until terminated by either you or us as set out below and shall not entitle Client to a refund of any kind. If you want to terminate your agreement with us, you may do so by electronic written notice to:

support@ugrucoaching.com

In addition to any other termination right we may have in these terms, we may at any time terminate our agreement and/or the Services with you:

• If you have breached or repudiated any provision of this Agreement;
• If we in our sole discretion believe termination is required to do so by law; or
• Immediately with or without cause upon notice to the email address provided by you as part of your Registration Information.

15. NOTICES

Any and all notices, demands, or other communications required or desired to be given hereunder by any party shall be in writing and shall be validly given or made to another party if personally served, or if deposited in the United States mail, certified or registered, postage prepaid, return receipt requested.  If such notice or demand is served personally, notice shall be deemed constructively made at the time of such personal service.  If such notice, demand or other communication is given by mail, such notice shall be conclusively deemed given five days after deposit thereof in the United States mail addressed to the party to whom such notice, demand or other communication is to be given as follows:

If to the CLIENT: Notices will be sent to the address of record; either physical or digital.

If to the Company: UGRU™ LLC 8 The Green Suite A Dover, DE 19901 Attn: Client support

16. UNENFORCEABILITY OF PROVISIONS

If any provision of this Agreement, or any portion thereof, is held to be invalid and unenforceable, then the remainder of this Agreement shall nevertheless remain in full force and effect.

17. LITIGATION AND CONTROVERSIES

In the event that the Client does not wish to orally enter into the following actions jointly with the Company, the Client hereby grants to the Company the power of attorney in his/her name, place and stead to institute an action in a court of competent jurisdiction concerning fees or other matters related to the conduct the business of the Company and the Client as have been pursued by the parties under the Agreement, to defend actions, suits or proceedings pertaining to said business, to employ counsel, and to conduct said matters to final consummation in such manners and upon such terms as to the Company may seem expedient or desirable.

18. APPLICABLE LAW

This Agreement shall be governed by the laws of the State of Delaware.

19. ACCEPTANCE

All terms become effective and binding either by use of our site, when you click “I ACCEPT” or you purchase or use any Company product, Membership, service or materials covered by these terms, and is effective until terminated as set forth herein.

Contacting us

If you have any questions about this Client Prosperity Path Agreement, the practices of this site, or your dealings with this site, please contact us at:

UGRU Financial Coaching
Website: https://www.ugrucoaching.com/
Corporate Address: 8 The Green Suite A Dover, DE 19901
Phone: 800.894.3064
Email: support@ugrucoaching.com