Academy of Financial Independence (a d/b/a of Kristina La Brusciano)
Effective Date: September 8, 2025

This Course Participation Agreement (the “Agreement”) is made between Academy of Financial Independence (a d/b/a of Kristina La Brusciano) (the “Provider”) and the student identified at checkout (the “Student”). The Agreement governs Student’s access to digital educational content and related services delivered via the Provider’s websites, landing pages, and payment links (including the GetCourse platform) (collectively, the “Course”).

1. Scope, Acceptance, and Incorporated Documents

1.1. This Agreement applies to Courses purchased through the Provider’s websites/landing pages/payment links. Students may be located in any country and are responsible for complying with applicable local laws when using the Course.
1.2. By purchasing and/or using the Course, the Student accepts this Agreement.
1.3. Incorporated Documents. The following documents form part of this Agreement: the Terms of Use, the Payment & Refund Terms, and the Privacy Policy (the “Incorporated Terms”). These documents are posted on the Provider’s sites and pages (including checkout and account pages). The Student acknowledges having had an opportunity to review the then-current versions before payment, and agrees that the versions in effect at the time of payment are incorporated into this Agreement and apply to the order. If there is a conflict, any specific terms shown to the Student before payment will prevail.
1.4. Order Details. “Order Details” means the specific parameters of the order (product/package name, inclusions, access term/window, bonuses, price/taxes/discounts, payment method, and other conditions) shown to the Student before payment on the checkout page, payment link, or in an invoice/written confirmation from an authorized manager. The Order Details form part of this Agreement and prevail over general provisions of this Agreement and/or the Incorporated Terms for the corresponding order.

2. Course and Inclusions

2.1. The Provider grants the Student access to the purchased digital educational materials and (if applicable) live sessions/recordings as specified in the Order Details for the order.
2.2. The access term/window, modules, bonuses, any live sessions, certificate conditions, and other Course features are those shown in the Order Details and are incorporated by reference.

3. Payment, Immediate Activation, and Non-Refundability

3.1. Payment is processed via the providers indicated in the Order Details, including Stripe (with Klarna and Affirm integrations where available), PayPal, Venmo, and Zelle. By choosing Klarna or Affirm, the Student enters a separate agreement with that financing provider; obligations under that schedule persist regardless of access status with the Provider.
3.2. Access activates immediately upon successful payment, which constitutes the start of performance of the digital service.
3.3. There is no activation period. After payment is confirmed, changes to the order, product/package exchanges, transfers/freezes/deferrals, or cancellations are not available.
3.4. Once access is activated, all payments are final and non-refundable, except where required by applicable law or expressly stated in a promotion agreed before payment (see also the Payment & Refund Terms).

4. License and Use Restrictions

4.1. The Student receives a limited, personal, non-exclusive, non-transferable license to use Course materials solely for personal educational purposes during the access term.
4.2. The following are prohibited: sharing/selling access; reproducing, distributing, publicly displaying, or publishing materials; mass-downloading; creating derivative works; or circumventing technical protections. The Provider may suspend or terminate access upon violation without compensation.

5. Student Responsibilities

5.1. Do not share login credentials; maintain their confidentiality.
5.2. Follow platform/community rules and complete required learning activities (if applicable).
5.3. Ensure technical readiness: compatible device, up-to-date browser/software, email access, and a stable internet connection.

6. Electronic Records and Signatures

6.1. All agreements, confirmations, notices, and other legally significant documents relating to the Course are formed and executed electronically.
6.2. The Student consents to the use of electronic records and electronic signatures. An electronic signature—including checking an acceptance box, typing a name, entering a one-time code, clicking “Pay/Agree,” or taking other affirmative actions in the interface—has the same legal effect as a handwritten signature and creates binding obligations.
6.3. Electronic records satisfy any “in writing” and “signed” requirements applicable to transactions conducted through the Services.
6.4. Provider countersignature is not required. This Agreement becomes effective upon the Student’s electronic signature/acceptance. The Provider maintains an audit trail (timestamps, technical identifiers, document versions) to evidence acceptance and signing events.

7. Intellectual Property

All Course content, websites, methods, marks, and logos are owned by the Provider and/or its licensors and are protected by applicable law. Any use beyond the granted license is prohibited.

8. Limitation of Liability

To the maximum extent permitted by law, the Course and materials are provided “as is” and “as available.” The Provider is not liable for indirect, incidental, special, punitive, or consequential damages, lost profits, data loss, or outages/actions of third-party services (hosting, payment processors, GetCourse). In all events, the Provider’s aggregate liability shall not exceed the amount actually paid by the Student for the relevant product/access in the 12 months preceding the claim.

9. Violations, Chargebacks, and Termination

9.1. The Provider may suspend or terminate access for violations of this Agreement/the Incorporated Terms/law.
9.2. If a chargeback/dispute is initiated, access may be suspended pending resolution. The Provider may contest unfounded chargebacks by submitting evidence of access delivery and assent to terms.
9.3. Any outstanding balance (including amounts reversed via chargeback) remains due; accounts and invoices may be referred to collections as permitted by law. At the Provider’s discretion, a payment/dispute may be brought in California Small Claims Court (Los Angeles County) to resolve the dispute and/or recover outstanding amounts and reasonable costs, to the extent permitted by law.

10. Governing Law and Venue
This Agreement is governed by the laws of the State of California and applicable U.S. federal law. Exclusive jurisdiction and venue lie in the state or federal courts located in Orange County, California, unless mandatory law provides otherwise.

11. Notices

Business notices may be delivered electronically. Contact the Provider at info@kristinashadrina.com.

12. Miscellaneous

12.1. If any provision is held invalid, the remaining provisions remain in full force.
12.2. The Student may not assign this Agreement without the Provider’s written consent; the Provider may assign in connection with reorganization or a transaction.
12.3. This Agreement, together with the Terms of Use, Payment & Refund Terms, Privacy Policy, and the Order Details, constitutes the entire agreement regarding the Course. In the event of a conflict, the Order Details shown before payment prevail for the corresponding order.


Student Electronic Signature (to be completed via e-signature platform)

Student
Full Name: ______________________________
Email: ______________________________
Signature: __________________________ (electronic)
Date: _______________________________