Terms and Conditions

These Terms and Conditions (“Terms”) govern registration for, access to, and participation in the Build Your War Chest Challenge, including its related purchase pages, live sessions, temporary replays, digital materials, official community, communications, workbook actions, Daily War Chest Clarity Checkpoint Videos, and the 10 Times Better Than Money-Back Guarantee (collectively, the “Challenge”). The Challenge is operated by War Chest Principle Holdings LLC (“Company,” “we,” “us,” or “our”) under the The War Chest Principle™ brand.

By purchasing, accessing, or participating in the Challenge, you agree to these Terms and our Privacy Policy. If you do not agree, do not purchase or participate.

1. SCOPE AND DEFINITIONS

These Terms apply only to the Challenge and related Challenge systems. They do not automatically govern other Company programs, affiliate or joint-venture programs, consulting engagements, insurance or financial-services relationships, or future offers that are subject to separate terms.

For these Terms:

• Challenge Materials means workbooks, downloads, presentations, recordings, replays, videos, graphics, templates, worksheets, written materials, and other content provided through the Challenge.
• Checkpoint Video means a Daily War Chest Clarity Checkpoint Video submitted for purposes of preserving eligibility under the Guarantee.
• Community means the official Challenge Facebook group or another submission channel expressly authorized by the Company as a disability-related accommodation or because of a documented platform failure.
• Guarantee means the conditional 10 Times Better Than Money-Back Guarantee described in Section 7.
• Required Live Sessions means the five core live Challenge sessions identified in the official schedule, including a rescheduled session that replaces one of those sessions.
• Website means the Challenge pages, forms, and related online properties operated under warchestprinciple.com, including applicable subdomains.
• You or Participant means the individual who registers for, purchases, accesses, or participates in the Challenge.

2. ELIGIBILITY AND AUTHORITY

You must be at least 18 years old and legally capable of entering into a binding agreement. If you register or participate on behalf of a business or other entity, you represent that you have authority to bind that entity.

You must provide accurate, current, and complete registration and payment information. You are responsible for maintaining access to the email address, telephone number, account credentials, and third-party accounts you use for the Challenge.

3. REGISTRATION, PRICE, AND PAYMENT

The Challenge is offered for the one-time registration price displayed at checkout, in U.S. dollars, unless the checkout expressly states otherwise. The current Challenge offer does not include a subscription, recurring charge, installment plan, free trial, or automatic renewal.

Payments are processed through Stripe and other financial institutions or payment-method providers involved in the transaction. You authorize the Company and its payment providers to process the one-time charge and any applicable taxes displayed at checkout. The payment methods actually available to you are those shown at checkout.

The Company may refuse or cancel an order for suspected fraud, unauthorized use of a payment method, a material pricing or technical error, legal or compliance reasons, or unavailability of the Challenge. If the Company cancels an accepted order before providing access, the amount paid for that order will be refunded.

4. CHALLENGE SCHEDULE, DELIVERY, AND CHANGES

The Company will communicate the official schedule, access instructions, Community information, and delivery method through the Website, email, text message, the course area, or the Community.

The Company may make reasonable changes to presenters, session format, supporting materials, technology, or nonmaterial schedule details. If illness, emergency, platform failure, force majeure, or another circumstance outside the Company’s reasonable control prevents a Required Live Session from occurring as scheduled, the Company may reschedule it. A replacement session remains a Required Live Session for Guarantee eligibility.

If the Company cancels the entire Challenge and does not provide a reasonable rescheduled or substitute delivery, the Company will refund the Challenge registration fee. The Company is not responsible for travel, lodging, lost time, lost opportunity, or other incidental costs.

5. PARTICIPANT CANCELLATION, TRANSFERS, CREDITS, AND DEFERRALS

Except for the Guarantee and rights that cannot legally be waived, Challenge purchases are final and nonrefundable.

Registration is personal to the Participant. Transfers, substitutions, credits, and deferrals are not available unless the Company expressly approves one in writing. Failure to attend, complete the Challenge, use the materials, join the Community, or satisfy Guarantee conditions does not create a refund right.

6. PARTICIPATION IS DIFFERENT FROM GUARANTEE ELIGIBILITY

7. 10 TIMES BETTER THAN MONEY-BACK GUARANTEE

7.1 Nature of the Guarantee

The Guarantee is a conditional value guarantee. It means that a Participant who satisfies every eligibility condition below and honestly concludes that the Challenge experience was not worth at least ten times the registration fee may request a refund of the registration fee.

“10 Times Better” describes the Company’s value standard. It does not mean that the Company will pay ten times the registration fee. It is not a promise of income, revenue, profit, investment performance, insurance approval, policy performance, cash-value growth, tax savings, loan availability, business results, or any other financial or implementation outcome.

7.2 Complete compliance required

To qualify, you must satisfy every condition in this Section. Missing a Required Live Session, failing a required daily workbook action, failing to submit a required Checkpoint Video, or submitting a Checkpoint Video after its deadline disqualifies you from the Guarantee.

The Company does not offer a cure period or appeal process for missing or late Checkpoint Videos. The Company’s internal eligibility determination based on its records is final, subject to any rights that cannot legally be waived.

7.3 Required live attendance

You must attend all five Required Live Sessions using the same name or email address used for registration. For each session, you must:

• join no later than 10 minutes after the scheduled start time;
• remain until no earlier than 10 minutes before the presenter or moderator officially concludes the session;
• remain visibly present and reasonably engaged; and
• keep your camera on except during brief and reasonable interruptions.

The Company may use platform attendance logs, join and leave timestamps, registration records, and moderator observations to verify attendance.

7.4 Brief interruptions and accommodations

Brief restroom breaks, temporary internet interruptions, short illness-related interruptions, caregiving interruptions, and disability-related accommodations do not automatically disqualify you when they are reasonable under the circumstances.

You must make reasonable efforts to remain present, return promptly, and notify the Company at [email protected] as soon as reasonably possible if a material interruption affects your attendance or camera use. An unexplained absence or unexplained camera-off period longer than 10 consecutive minutes may disqualify that session. A disability-related accommodation may modify the camera or submission method without reducing the substantive participation and deadline requirements.

These are predefined attendance and accommodation rules, not a separate appeal process. Missing an entire Required Live Session because of illness, travel, scheduling, or another personal circumstance does not preserve Guarantee eligibility unless the Company had approved a disability-related accommodation before or as soon as reasonably practical.

7.5 Daily workbook actions

You must complete the specific daily action identified in the official Challenge workbook for each Required Live Session. Unless the Company expressly instructs otherwise, you are not required to upload the entire workbook. You must truthfully address the completed action in that day’s Checkpoint Video.

7.6 Community membership and Checkpoint Videos

To preserve Guarantee eligibility, you must join the official Challenge Facebook group and timely submit every required Checkpoint Video through that group.

The Company may authorize a functionally equivalent private submission channel only when reasonably necessary for a disability-related accommodation or when a documented Facebook platform failure makes the standard channel unavailable. Not having a Facebook account, preferring not to use Facebook, or choosing not to join the Community does not create an alternative route. Any authorized alternative remains subject to the same content and deadline requirements.

Each Checkpoint Video must:

• identify you sufficiently for the Company to match the submission to your registration;
• correspond to the correct Challenge day;
• state the most important idea or realization you took from that day;
• identify the required workbook action you completed; and
• describe anything that remains unclear, difficult, or unresolved.

You may record directly in Facebook or upload a prerecorded video. Editing and production polish are not required. A length of approximately one to three minutes is recommended, but length alone does not determine completion when the required prompts are answered in good faith.

Your Checkpoint Video may be positive, neutral, mixed, critical, uncertain, or negative. You are not required to praise or recommend the Challenge, agree with every teaching point, or claim a result you did not experience. Eligibility is based on timely, substantive completion—not favorable sentiment.

Do not include Social Security numbers, passwords, complete account or policy numbers, private medical records, confidential customer information, complete financial statements, or unnecessary personal information about another person.

7.7 Checkpoint deadline

Each Checkpoint Video must be submitted no later than 11:59 p.m. Central Time on the calendar date of the corresponding Required Live Session. “Central Time” means the time observed in San Antonio, Texas, including applicable daylight-saving changes.

Facebook’s timestamp or the timestamp of an authorized alternative channel controls. A submission received after the deadline does not satisfy that day’s condition and automatically ends Guarantee eligibility.

7.8 Refund request procedure

A refund request must be received in writing at [email protected] within 48 hours after the Company announces the official conclusion of the fifth and final Required Live Session. The 48-hour period begins at that announced conclusion time and ends exactly 48 hours later, measured in Central Time.

The request must include your registered name, registered email address, and a clear statement that, after completing the required process, you honestly believe the Challenge was not worth at least ten times the registration fee.

The Company may review attendance records, camera and participation records, workbook-action confirmations, Community membership, Checkpoint Videos, submission timestamps, and related communications. The Company may request information reasonably necessary to match or verify those records.

7.9 Approved refunds and access after refund

If the Company determines that all conditions were satisfied, the registration fee will be approved for refund. Approved refunds will be processed within 10 business days after approval. No provision in these Terms promises a particular refund method.

After an approved refund:

• you may keep bonuses, workbooks, and materials you already downloaded;
• your access to Challenge replays will end; and
• the Company may remove or restrict access to any replay library or area whose primary purpose is to deliver replays.

No refund is available outside the Guarantee except where applicable law requires otherwise.

8. REPLAYS AND DIGITAL ACCESS

When a replay is provided, it is temporary and is generally available for 24 hours after the Company publishes or announces it. The announced availability window controls. Replay viewing does not substitute for attendance at a Required Live Session for Guarantee eligibility.

Access credentials and Challenge Materials are for your personal use only. You may not share login credentials, distribute replay links, record the sessions without authorization, or give another person access through your account.

9. COMMUNITY STANDARDS AND THIRD-PARTY PLATFORM

The Community is hosted on Facebook, a third-party platform operated by Meta. Your use of Facebook is subject to Meta’s own terms and privacy practices. The Company does not control Facebook’s availability, security, account restrictions, or independent processing of information.

Community posts may be visible to other members. Do not assume that Community content is confidential. You may not download, screenshot, reproduce, repost, distribute, or use another participant’s content outside the Community without that person’s permission.

You agree not to harass others, post unlawful or infringing material, solicit participants without permission, disclose another person’s private information, impersonate another person, disrupt the Community, or use the Community for unauthorized commercial activity. The Company may moderate, remove content, restrict participation, or terminate access for violations.

10. CHECKPOINT VIDEOS AND PARTICIPANT CONTENT

You retain ownership of original content you submit. By submitting a Checkpoint Video, workbook response, Community post, question, comment, or other participant content, you grant the Company a nonexclusive, worldwide, royalty-free license to receive, host, store, reproduce as technically necessary, review, transcribe, and use that content internally to:

• administer the Challenge and Community;
• provide support;
• verify participation and Guarantee eligibility;
• maintain business, compliance, and dispute records;
• enforce these Terms; and
• improve the clarity and delivery of the Challenge.

This operational license does not authorize the Company to use your name, image, voice, likeness, or Checkpoint Video in public advertising, paid media, testimonial compilations, case studies, or sales materials without a separate affirmative permission or media release.

You represent that you have the right to submit your content and that it does not infringe another person’s intellectual property, privacy, publicity, confidentiality, or other rights.

11. LIVE-SESSION RECORDINGS

The Company may record live Challenge sessions to operate the Challenge, create temporary replays, maintain records, and improve program delivery. A recording may capture your displayed name, image, voice, chat messages, questions, and other contributions if you choose to use your camera, microphone, or chat.

By participating through those features, you acknowledge that the contribution may appear in the operational session recording and temporary replay. This acknowledgment does not authorize unrelated public advertising or testimonial use.

12. INTELLECTUAL PROPERTY AND LIMITED LICENSE

The Challenge, Website, and Challenge Materials are owned by or licensed to the Company and are protected by copyright, trademark, and other laws.

Subject to these Terms, the Company grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Challenge Materials for your own personal, noncommercial educational use. You may download materials the Company designates as downloadable.

You may not reproduce, sell, sublicense, publish, publicly display, distribute, teach from, create competing materials from, remove proprietary notices from, scrape, or commercially exploit the Challenge or Challenge Materials without prior written permission.

13. PROHIBITED USE AND CONDUCT

You may not:

• use the Challenge for unlawful, fraudulent, deceptive, abusive, or infringing activity;
• interfere with the Website, live sessions, Community, or another participant’s experience;
• introduce malware, automate unauthorized access, scrape content, or bypass access controls;
• misrepresent your identity or Guarantee compliance;
• share confidential access information;
• record or redistribute sessions without permission; or
• use the Company’s names, marks, materials, or participant information to imply endorsement or affiliation.

14. EDUCATIONAL PURPOSE; NO PROFESSIONAL ADVICE

The Challenge is educational and informational. It does not provide individualized legal, tax, accounting, investment, securities, insurance, medical, or other regulated professional advice.

Nothing in the Challenge is an offer, solicitation, recommendation, or guarantee concerning a security, insurance policy, financial product, loan, tax treatment, legal strategy, or investment. You are responsible for evaluating information with qualified professionals who understand your circumstances.

15. NO GUARANTEE OF RESULTS

Results depend on individual circumstances, decisions, effort, implementation, market conditions, legal and tax rules, product availability, underwriting, and other factors outside the Company’s control.

The Company does not guarantee income, revenue, savings, profitability, investment performance, insurance approval, policy performance, cash value, loan access, tax treatment, business growth, or any particular result. Examples, illustrations, participant experiences, and case studies are not promises that you will obtain the same result.

16. THIRD-PARTY SERVICES AND LINKS

The Challenge may rely on or link to third-party services, including payment processing, email, SMS, webinar, video-conferencing, social-media, automation, hosting, analytics, and file-storage services.

The Company is not responsible for the independent content, availability, security, terms, or privacy practices of third parties. Your use of a third-party service may be governed by that provider’s agreements.

17. SMS, TELEPHONE, AND EMAIL COMMUNICATIONS

You may receive transactional or relationship communications needed to deliver the Challenge, such as confirmations, access instructions, schedule notices, support messages, and service updates.

Where required, marketing text messages are sent only after the applicable consent. Consent to marketing texts is not a condition of purchasing the Challenge. Message frequency varies based on the Challenge schedule, your selections, and your interaction with the program. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Reply STOP to opt out of SMS messages from the applicable messaging program. We may send one final confirmation message. Reply HELP for assistance or email [email protected]. Opting out of marketing texts does not prevent non-SMS communications or communications that applicable law permits without marketing consent.

Marketing emails will include an unsubscribe mechanism where required. Transactional or relationship emails may continue when reasonably necessary to provide the Challenge or respond to you.

18. PRIVACY

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with the Challenge. It is incorporated into these Terms by reference.

19. FEEDBACK

If you voluntarily provide suggestions or feedback apart from participant content covered by Section 10, you grant the Company a nonexclusive, perpetual, irrevocable, worldwide, royalty-free right to use that feedback without restriction or compensation, provided the Company does not publicly identify you without permission.

20. SUSPENSION AND TERMINATION

The Company may suspend or terminate access when you materially breach these Terms, threaten safety or security, engage in fraud or abuse, infringe rights, disrupt the Challenge or Community, or fail to make an authorized payment.

Termination for a material breach may end access and Guarantee eligibility. Provisions concerning intellectual property, participant content, disclaimers, liability, indemnification, disputes, and other provisions that by their nature should survive will remain effective.

21. DISCLAIMER OF WARRANTIES

To the maximum extent permitted by law, the Challenge, Website, Community, Challenge Materials, and related services are provided “as is” and “as available.” The Company disclaims express and implied warranties, including merchantability, fitness for a particular purpose, title, noninfringement, accuracy, availability, and uninterrupted or error-free operation.

The Company does not warrant that third-party platforms will remain available, that every technical defect will be corrected, or that access will be uninterrupted or free of harmful components.

22. LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company and its owners, officers, employees, contractors, instructors, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, revenue, data, opportunity, or goodwill; or losses arising from reliance on educational content, third-party services, interrupted access, or unauthorized conduct of other participants.

To the maximum extent permitted by law, the total aggregate liability of the Company and those parties for claims arising from or relating to the Challenge will not exceed the amount you paid for the Challenge.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

23. INDEMNIFICATION

To the extent permitted by law, you agree to defend, indemnify, and hold harmless the Company and its owners, officers, employees, contractors, instructors, affiliates, licensors, and service providers from third-party claims, damages, liabilities, costs, and reasonable legal fees arising from your unlawful conduct, violation of these Terms, infringement of another person’s rights, or content you submit.

24. FORCE MAJEURE

The Company is not liable for delay or failure caused by events beyond its reasonable control, including severe weather, natural disaster, illness, emergency, labor disruption, government action, war, civil unrest, internet or utility failure, cybersecurity incident, or failure of a critical third-party platform. The Company will use reasonable efforts to communicate and reschedule affected Challenge delivery when practical.

25. INFORMAL RESOLUTION, GOVERNING LAW, AND VENUE

Before filing a legal action, you agree to send a written description of the dispute to [email protected] and allow the Company 30 days to attempt an informal resolution. This requirement does not prevent either party from seeking urgent injunctive relief or using a small-claims procedure where available.

These Terms are governed by Texas law, without regard to conflict-of-law principles, and applicable federal law. Unless applicable law requires otherwise, exclusive jurisdiction and venue for a dispute that is not resolved informally will lie in the state courts located in Bexar County, Texas, or the federal court with jurisdiction over Bexar County, Texas.

26. GENERAL PROVISIONS

Entire agreement

These Terms, the Privacy Policy, the official checkout disclosures, and any written policy expressly incorporated into them form the agreement concerning the Challenge and supersede prior or contemporaneous statements about the same subject.

Order of precedence

A clear, offer-specific written term presented at checkout controls over a conflicting general provision in these Terms. No sales statement changes the Guarantee unless the change is presented in writing before purchase.

Assignment

You may not assign your rights or obligations without the Company’s written consent. The Company may assign these Terms in connection with a merger, acquisition, reorganization, financing, sale of assets, or transfer of the Challenge business, subject to applicable law.

Severability

If a provision is held invalid or unenforceable, it will be enforced to the greatest lawful extent, and the remaining provisions will remain effective.

Waiver

Failure to enforce a provision is not a waiver. A waiver must be in writing and applies only to the specific instance stated.

Electronic communications and signatures

You consent to receiving agreements, notices, disclosures, and records electronically. Electronic acceptance and records have the same effect as paper signatures and records to the extent permitted by law.

Headings

Headings are for convenience and do not limit the meaning of these Terms.

27. CHANGES TO THESE TERMS

The Company may update these Terms prospectively. The Terms and material Guarantee conditions presented when you purchase govern your Challenge registration unless a later change is required by law or you affirmatively agree to it.

The current version will be posted on the applicable legal page with an updated effective date. Continued use after a prospective update may constitute acceptance for ongoing use, but the Company will not retroactively add material Guarantee conditions to an existing purchase without your agreement.

28. CONTACT