Effective February 8, 2026​

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By accessing or using this website and by participating in resilience services, courses, workshops, or other programs offered through the site, you agree to the following Terms & Conditions. If you do not agree, do not use the website or participate in any services.

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ELIGIBILITY

This website and all services are intended for adults aged 18 years or older. Personal information from individuals under 18 is not knowingly collected.

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NATURE OF SERVICES

Services offered through this website include resilience services, courses, workshops, and educational content, delivered through Telehealth (remote platforms) and in-person sessions.

These services are not medical, mental health, psychotherapy, counseling, or healthcare services. HIPAA does not apply, and information shared is not considered Protected Health Information (PHI). Participants are responsible for consulting licensed professionals for healthcare-related needs.

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VOLUNTARY PARTICIPATION & RESPONSIBILITY

Participation in resilience services is voluntary. Users are solely responsible for their choices, actions, and results. The Business does not guarantee specific outcomes, and all use of information or materials is at the user’s own risk.

Use of Telehealth or in-person services does not establish a provider-patient relationship.

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PAYMENTS & REFUNDS

If applicable, fees for services, courses, or workshops must be paid in full. Refunds, if any, are handled according to the terms provided at the time of purchase.

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TELEHEALTH & IN-PERSON SERVICES

Telehealth services use third-party platforms subject to their privacy policies. Participants determine the level of personal information disclosed during sessions. In-person services operate similarly, and participants control shared information.

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COURSES, EDUCATIONAL CONTENT, & INFORMATION

Participation in courses and educational content is voluntary and for skill-building purposes only. Information shared in discussion areas or group settings may be visible to others. Participants are responsible for what they share.

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THIRD-PARTY WEBSITE & SERVICES

Links to third-party websites are provided for convenience. The Business is not responsible for their content, privacy policies, or practices. Users assume all risk when interacting with third-party sites.

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COOKIES & ANALYTICS

The website may use cookies and similar technologies for analytics and functionality. Users can disable cookies via browser settings, but some features may not function properly.

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DATA SECURITY & RETENTION

Reasonable safeguards are in place to protect personal information. Information is retained only as long as necessary to provide services or comply with legal obligations.

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INDIVIDUAL RIGHTS

Depending on jurisdiction, users may request access to, correction of, or deletion of personal information by contacting the Business.

 

CONTACT INFORMATION

Questions regarding these Terms & Conditions or the Privacy Policy may be directed to:
Email: info@raysofresilience.org

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LIMITATION ON TIME TO FILE CLAIMS

Any cause of action or claim must be commenced within one (1) year after it accrues; otherwise, it is permanently barred.

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WAIVER & SEVERABILITY

No waiver of any term shall constitute a continuing waiver. If any provision is held invalid, illegal, or unenforceable, it will be limited or removed so the remaining Terms remain in effect.

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ENTIRE AGREEMENT

These Terms & Conditions, Privacy Policy, and Copyright Policy constitute the entire agreement between users and the Business regarding the website and services.

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TERMINATION

The Business may cancel or terminate access to the website or services at any time without notice. Restrictions, disclaimers, and limitations survive termination.

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INTERACTIVE FEATURES & USER CONDUCT

Users are responsible for content they post in forums, chat rooms, email services, or other interactive areas. Users agree not to post prohibited content, interfere with others, or violate laws.

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RELIANCE ON INFORMATION POSTED

Information on the website is for general informational purposes only and is not medical or mental health advice. Reliance on content is at the user’s own risk.

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ONLINE COMMERCE & THIRD - PARTY PRODUCTS

The website may allow purchase of third-party products or services. The Business is not responsible for quality, accuracy, or reliability. Users release the Business from claims arising from such purchases.

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LIMITATION OF LIABILITY

The Business, its affiliates, employees, or agents shall not be liable for any damages arising from the use or inability to use the website, linked sites, or services, including direct, indirect, special, incidental, or consequential damages, except where prohibited by law.

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DISCLAIMER OF WARRANTIES

The website and downloadable materials are provided “as is”. The Business does not guarantee files are free of viruses or harmful components. Users are responsible for anti-virus protection and maintaining backups.

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INTELLECTUAL PROPERTY RIGHTS

All website content, including text, images, videos, and course materials, is the property of the Business, its affiliates, or licensors. Use is limited to personal, non-commercial purposes. Unauthorized copying, modification, distribution, or commercial use is prohibited.

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PROHIBITED USES & WEBSITE SECURITY

Users agree not to disable, overburden, damage, or interfere with the website. Prohibited actions include introducing malware, attempting unauthorized access, or launching DoS/DDoS attacks. Violations may result in removal of content or termination of access.

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PROHIBITED USES & LAWFUL USE OF THE WEBSITE

The website may only be used lawfully and in accordance with these Terms. Users may not:

• Violate laws or regulations

• Exploit or harm minors

• Send content violating site standards

• Transmit spam, junk mail, or promotional material

• Impersonate the Business, employees, or others

• Restrict or inhibit others’ use of the website​​​​