Terms of Services

Last updated: 06/03/2026

1. Business Entity & Governing Law

Prospera Advisory Group. is organized under the laws of the Province of 3982 Powell Rd Ste 234, Powell Ohio 43065. These Terms are governed by and construed in accordance with Ontario law, without regard to conflicts of law. Any disputes shall be resolved in the courts of Tarrant County, New Jersey, unless otherwise mutually agreed.

2. Eligibility & Use

You must be at least 18 years old to purchase or participate. You agree to use our Services for lawful purposes only. We reserve the right to refuse service at our sole discretion.

3. Products & Services Covered

These Terms apply to all current and future offerings, including but not limited to:

• Software-as-a-Service (SaaS): Prospera Advisory Group subscriptions (Revenue Builder, Revenue Leader, Revenue Architect tiers).

• Done-For-You (DFY) Services: Prospera Advisory Group (outbound sales team).

• Events & Retreats: Refuge Retreats and related in-person/virtual experiences.

4. Payment & Billing

Prices are listed on our websites and sales pages and may change without notice. Payments are processed through secure third-party providers (e.g., Stripe, Nickel, Melio, ACH). For subscriptions (SaaS), your card will be charged automatically each billing cycle until canceled. Setup fees, onboarding fees, and retainers are non-refundable unless otherwise stated.

5. Refunds & Cancellations

Refunds vary depending on the product/service:

Digital Products & Merchandise (Playbooks, Gear, Webinars) All sales final.

No refunds once delivered or accessed.

Coaching (Group, Proximity, 1:1 Sessions) Unless otherwise stated in your agreement, coaching purchases are non-refundable once the program begins.

Strategy sessions may be rescheduled with at least 48 hours’ notice but are non-refundable.

SaaS (Prospera Advisory Group) Subscriptions renew automatically each billing cycle.

You may cancel anytime before the next billing date to avoid future charges.

No prorated refunds for unused time.

DFY Outbound (Prospera Advisory Group) Governed by a separate Statement of Work (SOW) or Master Services Agreement (MSA).

Unless stated otherwise in writing, retainers, set-up fees, and commissions are non-refundable. Retreats / Events Deposits are non-refundable.

Balance refund policies (if any) will be disclosed at time of registration.

6. Client Responsibilities

You agree to provide accurate information and maintain updated contact/billing details. For coaching and DFY services, results depend on your participation and implementation; we do not guarantee outcomes. Unauthorized sharing, reproduction, or resale of our materials, software, or content is prohibited.

7. SMS/MMS Messaging Terms

By providing your mobile phone number and opting in through any of our forms, checkout pages, booking pages, keyword texts, or verbal consent during a call, you agree to receive SMS/MMS messages from Prospera Advisory Group. Description of SMS Use Cases You may receive SMS/MMS messages for the following purposes:

• Appointment reminders and scheduling confirmations

• Order confirmations, billing notifications, and payment reminders

• Account alerts, verification codes, and security notices

• Marketing and promotional messages (if you have opted in to marketing communications)

• Event updates, webinar reminders, and retreat logistics

• Customer support and service-related communications

• Onboarding and welcome messages related to your SaaS subscription or DFY engagement Opt-Out Instructions You may opt out of receiving SMS/MMS messages at any time by replying STOP to any message you receive from us.

After opting out, you will receive one final confirmation message and will no longer receive further SMS/MMS messages unless you re-subscribe. Opting out of SMS does not cancel your account or any paid services. Help For help or questions about our SMS programme, reply HELP to any message or email [email protected]. Message Frequency and Rates Message frequency varies based on your interactions, account activity, and preferences. Recurring messages may be sent. Message and data rates may apply. Please check with your mobile carrier for details about your messaging plan. Carrier Liability Disclaimer Carriers (e.g., T-Mobile, AT&T, Verizon) are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your mobile carrier. Age Restriction You must be at least 18 years of age to opt in to our SMS/MMS messaging programme. Privacy Your privacy is important to us. Please review our Privacy Policy at https://prosperainvestment.com/privacy-policy for full details on how we collect, use, and protect your information, including your mobile phone number. We do not sell, rent, or share your mobile phone number or SMS opt-in data with third parties for their marketing purposes.

8. Intellectual Property

All content, templates, playbooks, funnels, automations, and training materials are the property of Ralph Abbott. You are granted a limited, non-transferable license to use materials for your personal/business use during the term of your access. Copying, redistributing, or reselling without written permission is prohibited.

9. SaaS Platform Terms (Prospera Advisory Group)

The platform is delivered under a white-label license from a third-party provider. You retain ownership of your own data (contacts, appointments, communications). Upon written request, and subject to account standing, we will provide data exports or assist with sub-account transfers (fees may apply). Abuse, spam, or unlawful use will result in account suspension or termination.

10. Limitation of Liability

To the fullest extent permitted by law, we disclaim all liability for indirect, incidental, or consequential damages. Our maximum liability is limited to the amount you paid us in the 90 days preceding the claim. We do not guarantee specific results, revenue, or outcomes.

11. Indemnification

You agree to indemnify and hold Prospera Advisory Group. harmless from any claims, damages, or expenses arising out of your use of our Services or violation of these Terms.

12. Modifications

We may update these Terms at any time by posting the revised version on our website. Continued use of our Services constitutes acceptance of the updated Terms.

13. Contact

Prospera Advisory Group. 3982 Powell Rd Ste 234, Powell Ohio 43065 Email: [email protected]

Privacy Policy: Please review our full Privacy Policy at https://prosperainvestment.com/privacy-policy for information on how we collect, use, store, and protect your personal data.