TERMS AND CONDITIONS

This is a binding legal agreement. Please read it in full.

Welcome to the Masterful Life Redesign program and MasterfulLifeRedesign.com! This website is made available to you on the following conditions, and you consent to these terms by continuing to use the site. Please read them carefully, and if you disagree with any, navigate away from the site. If you have questions, please contact us.

Sometimes, you will be subject to additional terms and conditions, such as when you purchase something or disclaimers which may appear on the site.

PRIVACY POLICY
To learn how we handle information that we learn about visitors to our site, please visit our privacy policy page. https://masterfulliferedesign.com/privacy-policy/

PURCHASES AND BILLING POLICIES
All sales are final: it is your responsibility to take full advantage of the service or program you have purchased. Your participation is required for you to benefit from them. We may attempt to work with you on payment plans before engaging in collection activities. There will be no refunds.

  • Payment Options: We accept payment by most major credit cards, either directly via an online Merchant Account, or via PayPal through your secure account there.
  • Billing: By providing your payment information, you will be billed according to the terms agreed upon by making an online purchase, or by personal contact, for the services or programs you purchase. This applies whether making payment in full, or using a payment plan with a non-refundable deposit or otherwise. Your credit card or other account will be automatically charged in full or for recurring fees, or at intervals otherwise agreed upon.
  • Billing Disputes: In the unlikely event of a disagreement between us regarding services or deliverables you have purchased, you agree to make a good faith attempt for 30 days to communicate with us prior to initiating a chargeback.
  • Delinquency Policies: If the credit card is declined, we will continue to attempt to charge the card on file every 3 days for 30 days (up to 10 times). We will attempt to notify you for updated contact information.
  • Delinquent Accounts: After 25 days without payment, your account will be considered delinquent. All accounts 25 days past due may be disabled or de-activated until balances are paid in full.

Collection Fees:

  • Returned Item Fee: There is a $50.00 insufficient funds check fee for returned checks in addition to the amount still due.
  • Late Fee: Invoices which remain unpaid after 30-days may be assessed a late fee of $50.00 per month.
  • Chargebacks: If a customer initiates a chargeback, we will assess a $250.00 processing fee for each individual chargeback.
  • Collections Fees: In the event an account is submitted to a third-party collections service, the client will be responsible for the full amount of the collections fees, in addition to any other fees previously assessed on the account.
  • Cancellation: Cancellation of an account does not dismiss outstanding invoices or the contracted commitments. At the time of cancellation, any outstanding balance must be settled. All cancelled accounts with an outstanding balance may be automatically turned over to a third-party collection service. This paragraph does not invalidate our refund policy.
  • Charge backs: Regardless of the outcome of a chargeback dispute by a credit card company or payment processor, we reserve the legal right to enforce our agreements and collect past due balances in court.

ELECTRONIC COMMUNICATIONS
You consent to receive communications from us electronically and agree that any notices or disclosures we are required to provide to you now or in the future may be provided to you in electronic form.

OUR COPYRIGHTS
The content you see here, including text, images, custom software, compilations of resources, and audio and video content, or made available by the site elsewhere, is the sole and exclusive property of Thrive!! Inc. and Dolly M. Garlo. It is protected by United States and international copyright laws. We take our intellectual property rights seriously and search for infringing uses of our copyrighted material, such as copying, passing off as your own, or other infringing uses, whether personal or commercial. If you desire to use the information on this website other than by viewing it for your personal use, we offer licenses, starting at $5,000 each, to do so. If you are found using the information other than as explicitly allowed by this agreement, we will notify you and bill you accordingly.

COPYRIGHT ISSUES
We take copyright issues seriously. If you feel we have infringed upon your copyrights, please contact us at https://dollygarlo.com/contact/. We will promptly investigate the matter.

OUR TRADEMARKS
Logos, slogans and catchphrases, design aspects of the site, icons, scripts, and service names which appear on the site or elsewhere are trademarks of Thrive!! Inc. and Dolly M. Garlo, and protected by U.S. law. These trademarks help consumers identify Thrive!! Inc. and Dolly M. Garlo as the source of the information or materials bearing the logo, slogan, or other trademarked design. They may not be used by you in any way that is likely to cause confusion among consumers, implies a connection or endorsement, or that undermines or discredits the brand.

ACCESS RESTRICTIONS 
You are permitted to use the site for personal and non-commercial use. This means you cannot resell or make other commercial use of any of the content on this site, such as by downloading, copying, duplicating, reproducing, or otherwise removing information from the site for your (or a third party’s) commercial benefit, whether manually or by electronic means. We reserve all rights, including those not expressly granted in these Terms or elsewhere on the site.

  • You may not engage in tactics to gain an unpermitted benefit from the site, such as hiding logos or content to improve search rankings.
  • You are responsible for understanding the laws of your jurisdiction as they pertain to using a website like this one, and agree to be bound by the requirements of those laws.
  • The limited license you are granted to use this site is terminated if you violate any of these Terms.

User Account

  • When You create an account with Us, You must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account.
  • You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password.
  • You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.
  • You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.

CONTENT PROVIDED BY YOU

  • Occasionally we may make comment features available to site visitors.
  • We also make a contact form available for your use at https://dollygarlo.com/contact and there may be other contact opportunities provided on the site..
  • Whether you provide content to use through a comment feature or contact form, you give us a non-exclusive, royalty free right to use, reproduce, publish, adapt, display, and distribute any such content throughout the world in any form. This includes the right to include the name under which you submitted the content. Please be aware of this before sending personal information or information with commercial value, whether by or about you or any third person or entity.
  • You represent and warrant that: (i) any Content you post is Yours (You own it) or You have the right to use it and grant Us the rights and license as provided in these Terms, and (ii) the posting of Your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.
  • You retain any and all of Your rights to any Content You submit, post or display on or through the Service and You are responsible for protecting those rights. You agree that this license includes the right for Us to make Your Content available to other users of the Service, who may also use Your Content subject to these Terms.
  • We are not responsible for the content of the Service’s users. You expressly understand and agree that You are solely responsible for the Content and for all activity that occurs under your account, whether done so by You or any third person using Your account.

You agree not to post anything illegal, vulgar, threatening, obscene, defamatory, libelous, or infringing, or to make use of comment features to promote spam, commercial solicitation, or other objectionable Content.  Examples of such objectionable Content include, but are not limited to, the following:

  • Unlawful or promoting unlawful activity.
  • Defamatory, discriminatory, or mean-spirited content, including references or commentary about religion, race, sexual orientation, gender, national/ethnic origin, or other targeted groups.
  • Spam, machine – or randomly – generated, constituting unauthorized or unsolicited advertising, chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling.
  • Containing or installing any viruses, worms, malware, trojan horses, or other content that is designed or intended to disrupt, damage, or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of a third person.
  • Infringing on any proprietary rights of any party, including patent, trademark, trade secret, copyright, right of publicity or other rights.
  • Impersonating any person or entity including the Company and its employees or representatives.
  • Violating the privacy of any third person.
  • False information and features.

We reserve the right, but not the obligation, in our sole discretion, to determine whether or not any Content is appropriate and complies with these Terms, refuse or remove this Content. The Company further reserves the right to make formatting and edits and change the manner of any Content. The Company can also limit or revoke the use of the Service if You post such objectionable Content.

As the Company cannot control all content posted by users and/or third parties on the Service, you agree to use the Service at your own risk. You understand that by using the Service You may be exposed to content that You may find offensive, indecent, incorrect or objectionable, and You agree that under no circumstances will the Company be liable in any way for any content, including any errors or omissions in any content, or any loss or damage of any kind incurred as a result of your use of any content.

We reserve the right to delete any comment regardless of its contents, and to block you from our site in our sole discretion. We take no responsibility or assume liability for any content posted by you or any third party.

Content Backups

  • Although regular backups of Content are performed, the Company does not guarantee there will be no loss or corruption of data.
  • Corrupt or invalid backup points may be caused by, without limitation, Content that is corrupted prior to being backed up or that changes during the time a backup is performed.
  • The Company will provide support and attempt to troubleshoot any known or discovered issues that may affect the backups of Content. But You acknowledge that the Company has no liability related to the integrity of Content or the failure to successfully restore Content to a usable state.
  • You agree to maintain a complete and accurate copy of any Content your submit in a location independent of the Service.

OTHER PARTIES’ INFORMATION

Occasionally, we will post about, or allow other parties to post about, information and services provided by companies other than Thrive!! Inc. and Dolly M. Garlo. We do not warrant the offerings of these companies or the safety of their websites. We do not assume any responsibility for their actions, or the outcome of using their products or content. You are advised, and agree, to review the terms and privacy policy governing the information, services, and goods of third parties you may learn about on this site.

DISCLAIMER OF WARRANTIES; USE AT YOUR OWN RISK

THE INFORMATION AND CONTENT MADE AVAILABLE TO YOU ON THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENT, MATERIALS, SERVICES, OR PRODUCTS AVAILABLE HERE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE OR ANY PART OF IT IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE INFORMATION, CONTENT, MATERIALS, OR OTHER SERVICES PROVIDED BY THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF INFORMATION, CONTENT, OR OTHER MATERIALS OR SERVICES INCLUDED ON THE SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, TO THE EXTENT YOUR STATE LAW ALLOWS FOR SUCH DISCLAIMERS.

LIMITATION OF LIABILITY

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

GOVERNING LAW

By using the site, you agree that any dispute related to these terms or with Thrive!! Inc. and Dolly M. Garlo will be governed by the laws of the state of Florida, without regard to principles of conflict of laws, and you agree to submit to personal jurisdiction of the state of Florida.

AMENDMENTS AND OTHER MATTERS

Changes: We may make changes to the site, our offerings or information, and these terms at any time and without prior notice. We also reserve the right, at Our sole discretion, to modify or replace these Terms at any time. What constitutes a material change will be determined at Our sole discretion. By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Severability: If any of these terms is deemed to be unenforceable or invalid to any extent, such provision will be interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver: Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

Age Compliance: By using this site, you certify that you are over the age of eighteen.

Purchases: If you make a purchase on this website, you are subject to this agreement and any applicable others, including our no refunds policies.

Dispute Resolution: If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users: If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country of which you are a lawful resident.

United States Legal Compliance: You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Translation Interpretation: These Terms and Conditions may need to be translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

DEFINITIONS
For the purposes of these Terms and Conditions:

  • “Account” means a unique account created for You to access our Programs, Service or parts of our Service.
  • “Company” (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Thrive!! Inc. and Dolly Garlo.
  • “Country” refers to United States of America.
  • “Content” refers to information such as text, images, or anything else that can be posted, uploaded, linked to or accessed by You or otherwise made available for or by You, regardless of the form of that content.
  • “Device” means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • “Feedback” means responsive comments, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.
  • “Service” and “Site” refers to this Website, its Programs, Content, and related Services.
  • “Terms and Conditions” (also referred as “Terms” or “Terms of Use”) means the information conveyed on this page that forms the entire agreement between You and the Company regarding the use of the Service.
  • “Third-party Social Media Service” means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
  • “Website” refers to Masterful Life Redesign, accessible from https://masterfulliferedesign.com
  • “You” and/or “you” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

TERMINATION

We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.

Contact Us: If you have any questions about these Terms and Conditions, You can contact at https://dollygarlo.com/contact/
Updated May 2026