Thrive+40 Terms of Service

Last Updated: December 27, 2025

These Terms of Service ("Terms") govern your access to and use of Thrive+40’s website, community, coaching services, digital resources, and related offerings (collectively, the "Services"). By accessing, purchasing, or using any part of the Services, you agree to these Terms.

If you do not agree, do not use the Services.

1) Who We Are

Thrive+40 ("we", "us", "our") provides wellness education, coaching, community access, and digital resources.

Contact: [email protected]

2) Eligibility

You must be at least 18 years old to use or purchase the Services. By using the Services, you represent that you have the legal capacity to enter into these Terms.

3) No Medical Advice

The Services and all content provided through Thrive+40 are for informational and educational purposes only and are not medical advice. Thrive+40 does not diagnose, treat, cure, or prevent any disease.

You agree to consult a qualified healthcare professional before making changes to your nutrition, exercise, supplements, medications, or lifestyle, especially if you have a medical condition, are pregnant, or take prescription medications (including GLP-1 medications).

4) No Doctor-Patient or Practitioner-Client Relationship

Use of the Services does not create a doctor-patient relationship or any licensed provider-patient relationship between you and Thrive+40. Coaching and education are not a substitute for professional medical care.

5) Services and Changes

Thrive+40 may offer, including but not limited to:

- 1:1 coaching programs (including time-bound programs such as 90-day VIP coaching)

- group coaching, challenges, and workshops

- community access (including third-party platforms)

- digital products and downloadable resources

We may update, change, pause, or discontinue any part of the Services at any time. We may also update program structures, content libraries, and community features as the brand evolves.

6) Client Responsibilities

You agree to:

- provide accurate and complete information when requested (for example intake forms)

- use good judgment and stop any activity that causes pain, dizziness, or concern

- follow all safety instructions and seek medical care when appropriate

- communicate respectfully and lawfully in any community spaces

You are solely responsible for your decisions, actions, and results.

7) Community Rules

If you participate in any Thrive+40 community (including third-party platforms), you agree not to:

- harass, threaten, shame, discriminate, or post hateful content

- post illegal content, spam, or solicitations

- share private or confidential information about other members

- present yourself as a licensed medical provider or prescribe treatment to others

- copy, share, distribute, resell, or repost paid materials or member-only content

We may remove content, restrict access, or remove you from the community at our discretion, with or without notice, if we believe it is necessary to enforce these Terms or protect the community.

8) Payments

If you purchase Services, you agree to pay all fees shown at checkout. Payments are processed through third-party payment processors (for example Stripe). Thrive+40 does not store full payment card details.

If you enroll in a payment plan, you authorize recurring charges according to the plan schedule. Failed or missed payments may result in paused access to Services until payment is brought current.

9) Refunds, Cancellations, and Appointments

Digital Products

All sales of digital products are final. No refunds are provided once a digital product is delivered or access is granted, except where required by law.

Coaching and Programs

Coaching and program fees are non-refundable once purchased due to the reservation of time, immediate access to materials, and the nature of services delivered over time.

Rescheduling and No-Shows

If your program includes scheduled calls or sessions:

- You must reschedule at least 24 hours in advance using the reschedule link or by contacting us.

- Cancellations within 24 hours and no-shows may be counted as used sessions and may not be rescheduled.

- If you arrive late, the session may end at the scheduled end time.

Chargebacks

If you have a billing concern, contact [email protected] before filing a dispute. Initiating a chargeback may result in immediate suspension of access to the Services and community until the matter is resolved.

10) Medical and Wellness Disclaimer

The Services may include educational content, coaching guidance, exercise suggestions, nutritional information, client testimonials, and other wellness materials. Individual results vary and depend on many factors including health status, age, medication use, genetics, adherence, and environment.

Participation in any exercise, movement, nutrition plan, coaching program, or use of downloads and resources is voluntary. You assume all risk of injury, illness, loss, or adverse outcomes related to your participation.

If you believe you may have a medical emergency, consult emergency services immediately. If you are pregnant, have a serious medical condition (such as diabetes or cardiovascular disease), or use prescription medications (including GLP-1 medications), consult your healthcare provider before relying on any information from Thrive+40.

All content is provided "as is" without warranties of any kind.

11) Intellectual Property

All Thrive+40 content, programs, downloads, templates, videos, and materials are owned by Thrive+40 or licensed to Thrive+40 and are protected by intellectual property laws.

You may not copy, reproduce, distribute, share, publish, upload, resell, or create derivative works from Thrive+40 materials without prior written permission. Personal, non-commercial use is permitted only when the materials are not shared with others and are not republished in any form.

12) Third-Party Platforms and Links

The Services may include links to or integrations with third-party platforms (for example community platforms, scheduling tools, and payment processors). Thrive+40 is not responsible for third-party policies, terms, content, or performance. Your use of third-party services is governed by their respective terms.

13) Limitation of Liability

To the fullest extent permitted by law, Thrive+40 will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of or related to your use of the Services.

To the fullest extent permitted by law, Thrive+40’s total liability for any claim related to the Services will not exceed the amount you paid to Thrive+40 in the 30 days before the event giving rise to the claim.

14) Indemnification

You agree to defend, indemnify, and hold harmless Thrive+40 from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services, your violation of these Terms, or your violation of any law or third-party rights.

15) Termination

We may suspend or terminate your access to the Services if you violate these Terms, if your conduct is disruptive or harmful, or if we believe termination is necessary to protect Thrive+40, the community, or others. Termination may result in loss of access to paid materials and community areas.

16) Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from these Terms or the Services will be brought in the state or federal courts located in Florida, and you consent to personal jurisdiction there.

17) Changes to These Terms

We may update these Terms at any time. The updated version will be posted with a new "Last Updated" date. Continued use of the Services after changes means you accept the updated Terms.

18) Contact

Questions about these Terms can be sent to: [email protected]

Owner: Brenda Chabot, M.Ed., CPT, CN