TERMS AND CONDITIONS - THE SOLD-OUT RETREAT ACCELERATOR

Terms and Conditions

Effective Date: February 19, 2026
Last Updated: February 19, 2026

By purchasing and enrolling in The Sold-Out Retreat Accelerator ("the Program"), you agree to the following terms and conditions.

PLEASE READ THESE TERMS CAREFULLY BEFORE COMPLETING YOUR PURCHASE, ESPECIALLY SECTION 3 REGARDING OUR NO REFUND POLICY.

1. PURCHASE AND PAYMENT

1.1 Payment Options

Full Payment Option:

• $995 USD one-time payment

• Immediate full access to all Program materials

Payment Plan Option (When Available):

• 3 monthly payments of $350 USD ($1,050 total)

• Available only during specified enrollment windows

• First payment due at enrollment

• Subsequent payments are automatically charged 30 and 60 days after enrollment

• Payment plan availability subject to change without notice

1.2 Currency

All prices are in United States Dollars (USD).

1.3 Payment Processing

• Payments are processed securely through third-party payment processors (Stripe, PayPal, etc.)

• By providing payment information, you authorize us to charge the applicable fees

• You are responsible for ensuring your payment method has sufficient funds

1.4 Payment Plan Terms

If you select a payment plan:

• You agree to make all scheduled payments

• Failure to complete payments may result in loss of access to Program materials

• Missed payments may be subject to collection procedures

• You remain obligated to pay all installments even if you stop using the Program

• Payment plans cannot be canceled without forfeiting access to all materials

1.5 Price Changes

We reserve the right to change our prices at any time. Price changes do not affect purchases already completed.

2. PROGRAM ACCESS AND DELIVERY

2.1 What You Receive

The Sold-Out Retreat Accelerator Course:

• Full 4-phase training system (Foundation → Presale → Build → Deliver)

• Personal Notion Dashboard with templates, tools, calculators, and resources

• Legal document templates (contracts, waivers, policies)

• Marketing templates (emails, sales pages, social media content)

• Budget and pricing tools

• Access to the Zero To Sold-Out Retreats Skool community

• Lifetime access to core course materials and future updates

Time-Limited Bonuses (When Available):

• Access to cohort experiences (e.g., March Momentum Cohort)

• Private strategy calls (when offered during enrollment periods)

• Weekly group calls (for cohort members)

• Additional accountability and support structures

• These bonuses are only available during specific enrollment windows

2.2 Access Delivery Timeline

• Course access granted within 24-48 hours of payment confirmation

• You will receive login credentials and instructions via email

• Skool community access requires creating a free account

• Dashboard access provided via email with setup instructions

2.3 Technical Requirements

You are responsible for:

• Having compatible devices (computer, tablet, or mobile device)

• Maintaining stable internet connection

• Using updated web browsers

• Any costs associated with internet access or devices

Minimum Technical Requirements:

• Updated web browser (Chrome, Safari, Firefox, Edge)

• Internet connection

• Email account

2.4 Lifetime Access

"Lifetime access" means:

• Access to the Program as long as we continue to offer it

• We may update, modify, or improve content at our discretion

• We reserve the right to discontinue the Program with reasonable notice

• If discontinued, you will retain access to materials for at least 90 days

3. NO REFUND POLICY - READ CAREFULLY

3.1 ALL SALES ARE FINAL - NO REFUNDS UNDER ANY CIRCUMSTANCES

BY COMPLETING YOUR PURCHASE, YOU EXPRESSLY ACKNOWLEDGE, UNDERSTAND, AND AGREE THAT:

• There are NO refunds, returns, exchanges, credits, or cancellations

• This no-refund policy applies to ALL purchases, including payment plans

• All sales are final the moment you complete payment

• No exceptions will be made for any reason

3.2 This No-Refund Policy Applies Regardless Of:

• Whether you access, download, or use any of the Program materials

• Whether you watch any videos or complete any lessons

• Whether you attend any group calls or cohort sessions

• Whether you join the Skool community

• Whether you achieve any specific results

• Your satisfaction or dissatisfaction with the Program

• Changes in your personal circumstances (financial, health, schedule, etc.)

• Technical difficulties on your end (internet issues, device problems, etc.)

• Your failure to use the materials

• Your decision that the Program is "not right for you"

• Buyer's remorse or change of mind

• Any other reason whatsoever

3.3 Why This Policy Exists

This is a digital product with immediate access upon purchase. Once you receive:

• Login credentials

• Access to the Notion Dashboard

• Invitation to the Skool community

• Digital templates and materials

These materials cannot be "returned" as they have been delivered to you.

3.4 You Are Waiving Your Right to a Refund

By purchasing, you explicitly waive and forfeit any right to a refund, including:

• Any rights under consumer protection laws

• Any rights under credit card chargeback policies (filing a chargeback may result in legal action)

• Any cooling-off periods or right of withdrawal

• Any implied or statutory refund rights

3.5 Payment Plan No-Refund Terms

If you are on a payment plan:

• The no-refund policy applies to ALL payments (past, present, and future)

• You remain legally obligated to complete ALL scheduled payments

• You cannot cancel the payment plan to avoid future payments

• If you wish to stop making payments, you will:

  • Forfeit access to all Program materials immediately

  • Still be legally obligated to pay all remaining installments

  • Be subject to collection procedures for unpaid amounts

• Stopping use of the Program does NOT release you from payment obligations

3.6 Chargebacks Constitute Breach of Contract

Filing a credit card chargeback is considered:

• A material breach of this agreement

• Theft of services

• Grounds for immediate termination of access without refund

• Subject to legal action to recover damages, costs, and fees

If you file a chargeback, we will:

• Provide evidence of purchase and delivery to your credit card company

• Terminate all access immediately

• Pursue legal remedies for breach of contract

• Seek damages including legal fees

3.7 No Exceptions - We Mean It

We do NOT make exceptions to this policy for ANY reason, including:

• Hardship or financial difficulties

• Medical emergencies

• Family emergencies

• Dissatisfaction with content

• "Not what I expected"

• Technical issues on your end

• Personal circumstances

• Requests from family members or representatives

Please understand: Our support team does not have authority to grant refunds. Asking for exceptions will not result in a refund.

3.8 Questions Before Purchase?

If you have ANY doubts or questions about whether this Program is right for you:

CONTACT US BEFORE PURCHASING: hello@palomaneuman.com

We are happy to answer questions about:

• What's included in the Program

• Whether it's a good fit for your situation

• What results you can realistically expect

• Time commitment required

• Technical requirements

Once you purchase, the sale is final. Make sure you're 100% certain before buying.

3.9 Your Acknowledgment

By checking the box at checkout and completing your purchase, you acknowledge that:

☑ You have read and fully understand this no-refund policy
☑ You agree that all sales are final with no refunds under any circumstances
☑ You waive any right to a refund for any reason
☑ You understand this policy applies to payment plans as well
☑ You had the opportunity to ask questions before purchasing
☑ You are making an informed decision to purchase

4. INTELLECTUAL PROPERTY

4.1 Ownership

All Program content, materials, templates, frameworks, videos, graphics, text, and resources ("Content") are the exclusive intellectual property of Paloma Neuman and Zero To Sold-Out Retreats, protected by:

• United States and international copyright laws

• Trademark laws

• Trade secret laws

• Other intellectual property protections

4.2 Limited License

You are granted a personal, non-transferable, non-exclusive, revocable license to:

• Access and use the Content for your own personal retreat planning business purposes only

• Download materials for your personal use

• Implement the strategies in your own retreat business

4.3 Prohibited Uses - You May NOT:

Sharing/Distribution:

• Share, reproduce, distribute, publish, or resell any Content

• Share login credentials with others

• Allow others to access your account

• Post materials in public forums, social media, or websites

• Share materials within your organization or team without separate licenses

Commercial Use:

• Use the Content to create competing products, courses, or programs

• Teach the frameworks or methodologies in your own training programs without written permission

• License, sell, or rent the materials to others

• Use materials in workshops, seminars, or group training without permission

Technical Violations:

• Record, screenshot, or screen capture course videos or materials

• Reverse engineer, decompile, or disassemble any Content

• Remove copyright notices, watermarks, or attributions

• Circumvent any access controls or security measures

Derivative Works:

• Create derivative works based on our Content without permission

• Translate materials into other languages for distribution

• Adapt or modify materials for resale or redistribution

4.4 Consequences of Violations

Violation of intellectual property rights will result in:

• Immediate termination of access without refund

• Legal action to protect our rights

• Recovery of damages, including:

  • Actual damages

  • Statutory damages (up to $150,000 per work under US copyright law)

  • Attorney's fees and costs

  • Injunctive relief

4.5 Monitoring and Enforcement

• We actively monitor for unauthorized use of our Content

• We use digital fingerprinting and tracking technologies

• We will pursue legal action against violators

• We may report violations to relevant authorities

4.6 Proper Attribution

If you reference our methods or frameworks in your marketing:

• You must attribute Zero To Sold-Out Retreats

• You may say you're a "graduate" or "student" of the Program

• You may NOT claim to be affiliated, endorsed, or certified by us without written permission

5. EDUCATIONAL PURPOSES AND DISCLAIMERS

5.1 Educational Use Only

The Program is provided for educational and informational purposes only. It is NOT and does not constitute:

• Legal advice or legal services

• Financial advice or financial planning

• Business consulting or professional services

• Accounting or tax advice

• Insurance advice or risk management services

• Medical or health advice

• Guaranteed business strategies

• Professional certification or accreditation

5.2 Professional Advice Disclaimer

You are solely responsible for:

• Seeking appropriate professional advice for your specific situation

• Consulting with attorneys regarding contracts, liability, and legal compliance

• Consulting with accountants regarding taxes, financial planning, and business structure

• Consulting with insurance professionals regarding appropriate coverage

• Making your own business decisions

• Evaluating risks and determining appropriate actions

We are not licensed professionals in:

• Law

• Accounting

• Financial planning

• Insurance

• Medical fields

5.3 No Guarantees or Warranties - Results Disclaimer

WE MAKE NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES ABOUT:

Results:

• Your ability to achieve any specific results

• Your ability to sell out your retreat

• Your ability to generate any specific income

• Your ability to attract participants

• The success or profitability of your retreat business

Past Performance:

• Testimonials and examples of past student results are not typical

• Past results do not predict or guarantee future outcomes

• Individual results vary significantly based on:

  • Effort and implementation

  • Market conditions

  • Your skills and experience

  • Your existing business and audience

  • External factors beyond our control

Success Factors:

• Your success depends entirely on your own efforts, dedication, and implementation

• Success requires significant time, effort, and resources

• Many factors affecting success are outside our control

• We cannot and do not guarantee that you will achieve any results

5.4 Your Responsibility for Retreat Operations

You are 100% responsible for:

Legal Compliance:

• Understanding and complying with all applicable laws and regulations

• Business licensing and permits

• Tax obligations and reporting

• Employment laws (if hiring staff)

• Consumer protection laws

• Data privacy laws

• Accessibility requirements

Venue and Vendor Relationships:

• Negotiating and executing venue contracts

• Reviewing and understanding all contractual obligations

• Managing vendor relationships

• Meeting minimum guarantees or cancellation terms

Participant Safety and Liability:

• Obtaining appropriate insurance coverage

• Creating proper liability waivers

• Ensuring participant safety

• Managing emergency situations

• Compliance with health and safety regulations

Financial Management:

• Accurate pricing and budgeting

• Managing cash flow

• Setting aside funds for taxes

• Financial risk management

Marketing and Advertising:

• Truth in advertising

• Compliance with FTC guidelines

• Accurate representations of your retreat offerings

• Honoring commitments made to participants

5.5 No Liability for Your Business Decisions

We are NOT responsible or liable for:

• Losses incurred in your retreat business

• Contracts you enter with venues or vendors

• Disputes with retreat participants

• Legal issues arising from your business operations

• Financial losses or business failures

• Accidents, injuries, or other incidents at your retreats

• Any consequences of implementing (or failing to implement) Program strategies

6. LIMITATION OF LIABILITY

6.1 No Warranties

THE PROGRAM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability

• Warranties of fitness for a particular purpose

• Warranties of non-infringement

• Warranties of accuracy, reliability, or completeness

6.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages

• Lost profits, revenue, or business opportunities

• Lost data or information

• Business interruption

• Loss of goodwill

• Personal injury (except where not permitted by law)

• Any other intangible losses

This applies even if:

• We were advised of the possibility of such damages

• The damages were foreseeable

• Any remedy fails of its essential purpose

6.3 Maximum Liability Cap

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU ACTUALLY PAID FOR THE PROGRAM.

For payment plans, this means:

• If you paid $350 so far, maximum liability is $350

• Not the total payment plan amount ($1,050)

• Only what you actually paid to date

6.4 Basis of the Bargain

These limitations of liability are fundamental elements of the basis of our agreement. The Program would not be provided without these limitations.

6.5 Jurisdictional Limitations

Some jurisdictions do not allow certain liability limitations. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

7. USER CONDUCT AND COMMUNITY GUIDELINES

7.1 Community Access

Access to the Zero To Sold-Out Retreats Skool community requires:

• Compliance with Skool's Terms of Service

• Adherence to our community guidelines

• Respectful and professional behavior

7.2 Prohibited Conduct

You may NOT:

• Post spam, promotional content, or advertisements without permission

• Engage in harassment, bullying, or abusive behavior

• Share others' personal information

• Post offensive, discriminatory, or inappropriate content

• Impersonate others or create fake accounts

• Disrupt community discussions or activities

• Solicit other members for competing products or services

7.3 Consequences of Violations

Violations may result in:

• Warning

• Temporary suspension

• Permanent removal from community

• Termination of Program access without refund

7.4 We Are Not Responsible for Community Members

We are not responsible for:

• Actions or statements of other community members

• Advice given by other members

• Relationships or disputes between members

• Third-party content shared in the community

8. TIME-LIMITED BONUSES AND COHORTS

8.1 Enrollment Window Bonuses

Certain bonuses are only available during specific enrollment windows, including:

• Cohort access (e.g., March Momentum Cohort)

• Payment plan options

• Private strategy calls

• Additional group support

8.2 Cohort Terms

If you enroll during a cohort enrollment period:

• You receive access to time-limited group experiences

• Cohort start and end dates are specified

• Participation is subject to availability and your own schedule

• We are not responsible if you cannot attend calls or sessions

• No refunds or credits for missed sessions

8.3 No Future Guarantee

We do NOT guarantee:

• Future cohort offerings

• That current bonuses will be available in future enrollments

• That the Program will continue to be offered indefinitely

• Access to future versions or updates beyond what's specified

8.4 Bonuses Are Not Separately Valued

Time-limited bonuses are part of the integrated Program offering and:

• Cannot be purchased separately

• Have no separate cash value

• Cannot be exchanged for other products or services

• Do not extend refund rights

9. TERMINATION

9.1 Our Right to Terminate

We reserve the right to terminate or suspend your access immediately, without notice, for:

• Violation of these Terms and Conditions

• Violation of intellectual property rights

• Abusive, threatening, or disruptive behavior

• Fraud or suspected fraud

• Non-payment (for payment plans)

• Chargebacks or payment disputes

• Any conduct we deem harmful to our business or other users

• Any reason, at our sole discretion

9.2 Effect of Termination

Upon termination:

• You must immediately cease all use of Program materials

• You must delete all downloaded materials in your possession

• Your access to the Skool community and dashboard will be revoked

• You remain obligated to pay any outstanding amounts owed

• You are NOT entitled to any refund

• These Terms and Conditions continue to apply (including intellectual property and liability provisions)

9.3 Survival

The following sections survive termination:

• Section 3 (No Refund Policy)

• Section 4 (Intellectual Property)

• Section 5 (Disclaimers)

• Section 6 (Limitation of Liability)

• Section 12 (Indemnification)

• Section 14 (Governing Law and Dispute Resolution)

10. UPDATES AND CHANGES

10.1 Content Updates

We reserve the right to:

• Update, modify, improve, or remove Program content at any time

• Change the structure or organization of materials

• Add or remove features

• Discontinue certain tools or resources

• Update templates and materials to reflect legal or best practice changes

"Lifetime access" refers to access to the Program as it exists, with updates at our discretion.

10.2 Changes to Terms

We may update these Terms and Conditions at any time by:

• Posting the updated version on our website

• Updating the "Last Updated" date

• Sending notice to your email (for material changes)

Your continued use after changes constitutes acceptance of the updated Terms.

If you do not agree to updated Terms:

• You may discontinue use of the Program

• No refund will be provided

• Payment plan obligations remain in effect

11. PRIVACY AND DATA

11.1 Privacy Policy

Your use of the Program is also governed by our Privacy Policy, which is incorporated by reference into these Terms.

Our Privacy Policy covers:

• What information we collect

• How we use your information

• Your privacy rights (CCPA and GDPR)

• Data security measures

You can review our Privacy Policy at: [Link to Privacy Policy]

11.2 Data You Provide

By using the Program, you may provide information about:

• Your business

• Your retreat plans

• Your clients or participants

• Financial information

You are responsible for:

• Ensuring you have rights to share any information

• Complying with privacy laws regarding any personal data you share

• Not sharing sensitive or confidential information inappropriately

11.3 Communications

By purchasing, you agree to receive:

• Transactional emails (order confirmations, access instructions)

• Program-related communications (updates, announcements)

• Community notifications

You may opt out of marketing emails but not transactional communications.

12. INDEMNIFICATION

12.1 Your Agreement to Indemnify

You agree to indemnify, defend, and hold harmless:

• Paloma Neuman

• Zero To Sold-Out Retreats

• Our affiliates, partners, employees, contractors, and agents

From and against any and all:

• Claims, demands, losses, liabilities, damages

• Costs and expenses (including reasonable attorney's fees)

Arising from or related to:

• Your use of the Program

• Your retreat business operations

• Your violation of these Terms

• Your violation of any law or regulation

• Your violation of any third-party rights

• Your negligence or willful misconduct

• Any participant injuries or incidents at your retreats

• Any disputes with venues, vendors, or participants

12.2 Defense of Claims

If we are sued or receive a legal demand related to your conduct:

• You will cooperate fully in the defense

• You will reimburse our legal fees and costs

• We have the right to control the defense with counsel of our choice

• You may not settle any claim without our written consent

13. MISCELLANEOUS PROVISIONS

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Program. They supersede any prior:

• Agreements or understandings

• Proposals or negotiations

• Representations or promises

• Written or oral communications

13.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable:

• That provision will be modified to the minimum extent necessary to make it valid

• All other provisions remain in full force and effect

13.3 Waiver

Our failure to enforce any provision does not waive our right to enforce it later. No waiver of any provision is effective unless in writing and signed by us.

13.4 Assignment

You may NOT:

• Transfer or assign your rights or obligations under these Terms

• Transfer your account or access to another person

We may:

• Assign these Terms to a successor or affiliate

• Transfer the Program to a new owner

13.5 Force Majeure

We are not liable for any failure to perform due to causes beyond our reasonable control, including:

• Natural disasters

• War, terrorism, or civil unrest

• Government actions or regulations

• Internet or technology failures

• Pandemics or health emergencies

• Acts of God

13.6 No Third-Party Beneficiaries

These Terms are between you and us only. No third party has any rights to enforce these Terms.

13.7 Headings

Section headings are for convenience only and do not affect interpretation.

13.8 Independent Contractor

You are an independent contractor. Nothing in these Terms creates:

• Partnership

• Joint venture

• Employment

• Agency

• Franchise relationship

14. GOVERNING LAW AND DISPUTE RESOLUTION

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

14.2 Jurisdiction and Venue

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in [Your County], California.

You hereby:

• Consent to the personal jurisdiction of such courts

• Waive any objection to venue in such courts

• Waive any claim that such courts are an inconvenient forum

14.3 Informal Dispute Resolution

Before filing any legal action, you agree to:

1. Contact us in writing at hello@palomaneuman.com

2. Describe the dispute in detail

3. Provide your proposed resolution

4. Give us 30 days to resolve the matter

We will:

• Respond in good faith

• Attempt to resolve the dispute informally

• Consider reasonable settlement proposals

14.4 Arbitration (Optional)

If we cannot resolve a dispute informally, either party may elect binding arbitration under the rules of the American Arbitration Association.

Arbitration terms:

• Individual arbitration only (no class actions)

• Location: California

• Costs split equally unless arbitrator rules otherwise

• Arbitrator's decision is final and binding

14.5 Class Action Waiver

YOU AGREE THAT:

• Disputes must be brought in your individual capacity only

• You may NOT bring claims as a plaintiff or class member in any class, consolidated, or representative action

• This waiver applies to all claims and theories of liability

14.6 Statute of Limitations

You must bring any claim within one (1) year after the cause of action arises. After one year, the claim is permanently barred.

15. CONTACT INFORMATION

For questions about these Terms and Conditions:

Email: hello@palomaneuman.com
Website: palomaneuman.com
Mailing Address: [Your Complete Business Address]

For specific inquiries:

• Billing/Payment questions: Subject line "Billing Inquiry"

• Technical access issues: Subject line "Technical Support"

• Terms clarification: Subject line "Terms Question"

Response time: We will respond to inquiries within 2-3 business days.

16. ACCEPTANCE OF TERMS

16.1 How You Accept

By completing your purchase, you acknowledge and agree that:

☑ You have read these Terms and Conditions in their entirety
☑ You understand and accept all terms, including the NO REFUND POLICY
☑ You are of legal age (18+) to enter into a binding contract
☑ You have the authority to agree to these Terms
☑ You will comply with all provisions of these Terms
☑ You waive any right to a refund for any reason
☑ You had the opportunity to ask questions before purchasing
☑ You are making an informed decision to purchase

16.2 Electronic Signature

Your electronic acceptance (by clicking "I agree" or completing the purchase) constitutes your legally binding electronic signature, equivalent to a handwritten signature.

16.3 Print or Save These Terms

We recommend that you:

• Print a copy of these Terms for your records

• Save a PDF copy

• Retain proof of purchase

© 2026 Paloma Neuman | Zero To Sold-Out Retreats. All Rights Reserved.