Terms and Conditions and Privacy Policy

TERMS AND CONDITIONS OF USE

Vision For Your Life

Last Updated: 2/25/2026

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Vision For Your Life (“Company,” “we,” “us,” or “our”), governing your access to and use of the Vision For Your Life website, platform, services, assessments, coaching programs, and related materials (collectively, the “Services”).

BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR SERVICES.

1. ACCEPTANCE OF TERMS

1.1 Agreement to Terms

By creating an account, purchasing any product or service, accessing our platform, or using any of our Services, you confirm that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You agree to comply with these Terms and all applicable laws and regulations

1.2 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website with a new “Last Updated” date. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

2. NATURE OF SERVICES

2.1 Educational and Personal Development Services

Vision For Your Life provides personal development education, Core Motivator assessments, life planning tools, coaching services, and related materials. Our Services are designed to help individuals gain self-awareness and develop personal vision through the Vision For Your Life methodology developed by Bob Perkins.

2.2 Not Professional Advice

THE SERVICES PROVIDED ARE FOR EDUCATIONAL AND PERSONAL DEVELOPMENT PURPOSES ONLY.

Our Services, including but not limited to Core Motivator assessments, AI-generated analyses, coaching sessions, and all related materials:

• Are NOT professional psychological, psychiatric, medical, legal, financial, or career counseling
• Are NOT therapy or mental health treatment
• Are NOT a substitute for professional advice from licensed professionals
• Should NOT be used as the sole basis for making major life decisions

2.3 AI-Generated Content

Portions of our Services utilize artificial intelligence technology to analyze user-submitted information and generate insights. You understand and acknowledge that:

• AI-generated analyses are algorithmic interpretations, not definitive assessments
• AI technology has limitations and may produce inaccurate or incomplete results
• AI-generated suggestions should be considered as one of many inputs in your decision-making process
• The Company does not guarantee the accuracy, completeness, or applicability of any AI-generated content

3. USER ACCOUNTS AND RESPONSIBILITIES

3.1 Account Creation

To access certain Services, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

3.2 User Content

You retain ownership of content you submit (“User Content”), including life history documents, questionnaire responses, and other personal information. By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, store, process, and display your User Content solely for the purpose of providing the Services.

3.3 Prohibited Conduct

You agree NOT to:

• Use the Services for any unlawful purpose
• Submit false, misleading, or fraudulent information
• Impersonate any person or entity
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any portion of the Services
• Use the Services to harm, threaten, or harass others
• Reproduce, distribute, or create derivative works from our proprietary content without authorization

4. CONSENT TO DATA ACCESS BY AUTHORIZED PERSONNEL

4.1 Acknowledgment and Consent

BY USING OUR SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND CONSENT that the following authorized personnel may access, view, review, and utilize your personal information, User Content, assessment results, AI analyses, and all other data associated with your account:

• Company Administrators: For platform management, quality assurance, user support, and service improvement
• Certified Facilitators: To provide facilitated sessions, group coaching, and cohort-based programs
• Vision For Your Life Coaches: To provide personalized coaching and guidance
• Bob Perkins and/or his designees: As the creator of the Vision For Your Life methodology, for training, quality assurance, research, and program development purposes
• Technical Support Personnel: For troubleshooting, maintenance, and technical assistance

4.2 Purpose of Access

Access by authorized personnel is for legitimate business purposes including but not limited to:

• Delivering the Services you have purchased
• Providing coaching, facilitation, and support
• Improving the accuracy and effectiveness of assessments
• Training coaches and facilitators
• Conducting research to improve the methodology (in anonymized or aggregated form)
• Ensuring quality and consistency of service delivery
• Responding to your inquiries and support requests

4.3 Confidentiality Obligations

All authorized personnel are bound by confidentiality obligations and are required to protect your information in accordance with our Privacy Policy.

5. DISCLAIMER OF WARRANTIES

5.1 “AS IS” Basis

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

5.2 No Guarantees

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Services will meet your requirements or expectations
• Warranties that the Services will be uninterrupted, timely, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any information provided
• Warranties regarding the outcomes or results you may achieve through use of the Services

5.3 No Guarantee of Results

WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING:

• The accuracy of your Core Motivator identification
• The applicability of assessments to your personal situation
• Career success, personal fulfillment, or life outcomes resulting from applying insights gained
• The suitability of any suggestions, recommendations, or guidance provided
• Your satisfaction with your identified Core Motivator or assessment results

6. LIMITATION OF LIABILITY AND ASSUMPTION OF RISK

6.1 Assumption of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

1. a) Personal Decisions: Any decisions you make regarding your career, relationships, finances, education, health, or any other aspect of your life based on information, insights, or guidance obtained through our Services are made at your own risk and are solely your responsibility.
2. b) Life Changes: Personal development and self-discovery can lead to significant life changes. You assume full responsibility for any actions you take and any consequences that may result from those actions.
3. c) Emotional Impact: Exploring your personal history, motivations, and life patterns may evoke strong emotions. You acknowledge this possibility and assume responsibility for your emotional well-being.
4. d) No Substitute for Professional Help: If you are experiencing mental health issues, crisis situations, or need professional guidance in areas such as psychology, medicine, law, or finance, you agree to seek assistance from appropriately licensed professionals.

6.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

1. a) IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, COACHES, FACILITATORS, BOB PERKINS, OR ANY OTHER ASSOCIATED PARTIES BE LIABLE FOR ANY:

• Direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or emotional distress
• Career changes, job loss, or employment-related outcomes
• Relationship changes or family impacts
• Financial losses or investment decisions
• Any other damages arising out of or related to your use of the Services

1. b) THIS LIMITATION APPLIES REGARDLESS OF:

• The theory of liability (contract, tort, negligence, strict liability, or otherwise)
• Whether we were advised of the possibility of such damages
• Whether the damages were foreseeable

1. c) IN JURISDICTIONS WHERE LIMITATION OF LIABILITY FOR CERTAIN DAMAGES IS NOT PERMITTED, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

6.3 Maximum Liability Cap

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

7. INDEMNIFICATION

7.1 Your Agreement to Indemnify

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, affiliates, coaches, facilitators, Bob Perkins, and all associated parties from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

1. a) Your use of the Services b) Your violation of these Terms c) Your violation of any rights of any third party d) Any content you submit or transmit through the Services e) Any decisions or actions you take based on information obtained through the Services f) Any claims by third parties related to actions you took based on your use of the Services
2. PAYMENT, REFUND, AND CANCELLATION POLICY

8.1 Payment Terms

• All fees are stated in U.S. dollars unless otherwise specified
• Payment is due at the time of purchase
• You agree to pay all charges associated with your account using a valid payment method
• Prices are subject to change; however, changes will not affect existing paid subscriptions until renewal

8.2 No Refund Policy

ALL SALES ARE FINAL. WE DO NOT OFFER REFUNDS.

By purchasing our Services, you acknowledge and agree that:

• No refunds will be issued for any reason, including but not limited to:
  • Dissatisfaction with your Core Motivator assessment results
  • Disagreement with AI-generated analyses or recommendations
  • Failure to complete the program or use the Services
  • Change of mind or personal circumstances
  • Perceived lack of value or unmet expectations
  • Technical issues that have been addressed by our support team
  • Any life decisions or outcomes resulting from use of the Services

8.3 Chargebacks

If you initiate a chargeback or payment dispute with your financial institution, we reserve the right to:

• Immediately suspend or terminate your account
• Pursue collection of the disputed amount plus any associated fees
• Report the dispute to credit agencies or collection services where permitted by law

8.4 Exceptions

In rare circumstances, refunds may be issued at our sole discretion. Any exceptions to this policy are not precedent-setting and do not obligate us to provide refunds in other situations.

9. INTELLECTUAL PROPERTY

9.1 Our Intellectual Property

The Services, including all content, features, functionality, design, text, graphics, logos, methodologies, assessments, and software, are owned by the Company, Bob Perkins, or our licensors and are protected by copyright, trademark, and other intellectual property laws.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial purposes in accordance with these Terms.

9.3 Restrictions

You may not:

• Copy, modify, or distribute our content without authorization
• Use our trademarks, logos, or branding without written permission
• Reverse engineer or attempt to extract source code from any software
• Use the Services to develop competing products or services
• Share your account credentials or purchased content with others

10. PRIVACY

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

11. DISPUTE RESOLUTION

11.1 Informal Resolution

Before initiating any formal dispute resolution process, you agree to contact us first to attempt to resolve any dispute informally. Most concerns can be resolved quickly and to your satisfaction through our support channels.

11.2 Binding Arbitration

YOU AND THE COMPANY AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION, rather than in court, except that either party may bring claims in small claims court if they qualify.

11.3 Class Action Waiver

YOU AGREE TO WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. Any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative proceeding.

11.4 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without regard to its conflict of law provisions.

11.5 Jurisdiction

For any claims not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in [YOUR COUNTY], [YOUR STATE].

12. TERMINATION

12.1 Your Right to Terminate

You may terminate your account at any time by contacting us. Termination does not entitle you to any refund of fees paid.

12.2 Our Right to Terminate

We may suspend or terminate your account and access to the Services at any time, with or without cause or notice, including for:

• Violation of these Terms
• Conduct that we determine is harmful to other users, us, or third parties
• Non-payment of fees
• At our sole discretion for any reason

12.3 Effect of Termination

Upon termination:

• Your right to use the Services will immediately cease
• We may delete your account and associated data in accordance with our data retention policies
• Provisions that by their nature should survive termination will remain in effect

13. GENERAL PROVISIONS

13.1 Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and the Company regarding the Services.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

13.3 Waiver

Our failure to enforce any provision of these Terms shall not be construed as a waiver of that provision or the right to enforce it later.

13.4 Assignment

You may not assign or transfer these Terms or your rights hereunder. We may assign our rights and obligations under these Terms without restriction.

13.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control.

13.6 Contact Information

For questions about these Terms, please contact us at:

[YOUR COMPANY NAME] [YOUR ADDRESS] [YOUR EMAIL] [YOUR PHONE]

14. ACKNOWLEDGMENT

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

1. You have read and understood these Terms and Conditions
2. You agree to be legally bound by these Terms
3. You consent to authorized personnel accessing your data as described herein
4. You understand the Services are educational and not professional advice
5. You assume full responsibility for decisions you make based on the Services
6. You waive any claims against the Company for outcomes related to your use of the Services
7. You agree to the no-refund policy
8. You agree to resolve disputes through binding arbitration
9. You waive your right to participate in class action lawsuits