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Terms & Conditions

These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Customer," "User," "you," or "your") and Kairo Digital Solutions, LLC ("Company," "we," "us," or "our") governing your purchase of, access to, and use of The Phoenix Protocol digital program and all associated materials, content, tools, and services. By completing a purchase or accessing any portion of the program, you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety.

By clicking "Buy Now," "Get Instant Access," or any similar purchase button, or by accessing any portion of The Phoenix Protocol program after purchase, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the full legal capacity and authority to enter into this binding Agreement; (c) you have read and understood this Agreement in its entirety; and (d) you agree to be bound by all terms herein. This Agreement is effective as of the date of your purchase.

If you are purchasing on behalf of a business entity, you represent that you have the authority to bind that entity to this Agreement, and "you" shall refer to that entity.

The Phoenix Protocol is a comprehensive digital educational program designed to provide financial and personal recovery strategies for individuals navigating or recovering from divorce. Upon successful payment, you will receive immediate access to the members-only portal, which includes the following digital content and tools:

• Video Modules: A structured library of video lessons covering financial recovery, credit rebuilding, asset protection, and post-divorce wealth strategies.
• Downloadable Guides: Step-by-step written guides, checklists, and reference materials designed to support your recovery journey.
• Templates and Scripts: Ready-to-use document templates, negotiation scripts, and communication frameworks for use in your personal situation.
• AI-Powered Coaching Tool: Access to an AI-assisted coaching interface designed to provide personalized guidance and answer questions related to the program content.
• 90-Day Recovery Framework: A structured action plan with milestone checkpoints designed to guide your progress over a 90-day period.
• Bonus Resources: Additional supplementary materials, case studies, and strategy documents included at the Company's discretion.

All program content is delivered electronically through the members portal immediately upon purchase confirmation. No physical products will be shipped. The Company reserves the right to modify, update, add to, or remove any program content at any time without prior notice, provided that the core educational value of the program is maintained.

By completing your purchase, you expressly acknowledge and agree to the following:

• The Phoenix Protocol is a digital product delivered via immediate electronic access. Because access is granted instantly upon payment, the product cannot be "returned" in any meaningful sense.
• You have had a reasonable opportunity to review the program description, sales page, and these Terms prior to purchase, and you are making an informed purchasing decision.
• You irrevocably waive any right to a refund once access to the members portal has been granted, regardless of whether you have accessed, used, or reviewed any of the program content.
• Dissatisfaction with the program content, your personal results, or a change of mind does not constitute grounds for a refund.
• Technical difficulties accessing the portal, if caused by factors within the Company's control, will be resolved by the Company's support team and do not constitute grounds for a refund.

This no-refund policy is a material term of this Agreement and is a condition of the pricing offered. If you are not certain this program is right for you, we encourage you to contact us at support@kairodigitalsolutions.co with any questions before completing your purchase.

You agree that before initiating any dispute, chargeback, or reversal with your bank, credit card company, or payment processor, you will first contact the Company directly at support@kairodigitalsolutions.co and allow a minimum of five (5) business days for the Company to resolve your concern.

By completing your purchase, you acknowledge and agree that:

• You authorized the transaction and received access to the digital product as described.
• Filing a chargeback after receiving access to the program constitutes fraudulent misrepresentation to your financial institution and may constitute theft of services.
• In the event of a chargeback or unauthorized dispute, the Company reserves the right to: (a) immediately terminate your access to the program without notice; (b) pursue the full transaction amount plus any chargeback fees, legal fees, and collection costs; (c) report the fraudulent activity to credit bureaus, law enforcement, and fraud prevention databases; and (d) pursue all available legal remedies.
• The Company maintains detailed records of all purchases, access logs, and IP addresses, which may be submitted as evidence to your financial institution or in legal proceedings.
• Chargeback fees imposed by payment processors as a result of a dispute you initiate are your sole financial responsibility and may be pursued through collections.

If you have a genuine concern about your purchase, we are committed to resolving it. Please contact our support team before taking any action with your bank or payment processor.

THE PHOENIX PROTOCOL IS AN EDUCATIONAL PROGRAM ONLY. THE COMPANY MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND REGARDING THE RESULTS YOU MAY OR MAY NOT ACHIEVE FROM USING THIS PROGRAM.

Individual results will vary significantly based on a wide range of factors entirely outside the Company's control, including but not limited to:

• Your individual financial situation, credit history, and existing debt obligations.
• The specific circumstances of your divorce, including jurisdiction, legal representation, and asset complexity.
• The amount of time, effort, and consistency you invest in implementing the program strategies.
• Economic conditions, market fluctuations, and changes in applicable laws or regulations.
• Your prior knowledge, skills, and experience with financial management.
• Actions taken by third parties, including creditors, financial institutions, and legal counsel.

Any testimonials, case studies, income figures, or success stories referenced on our website or in our marketing materials represent exceptional results achieved by specific individuals under their unique circumstances. These results are not typical, are not guaranteed, and should not be interpreted as a promise or prediction of what you will achieve. The Company has not independently verified all third-party testimonials.

You acknowledge that financial recovery and credit rebuilding are processes that take time and consistent effort, and that no program, tool, or strategy can guarantee specific outcomes.

The content provided through The Phoenix Protocol, including all video modules, guides, templates, AI coaching tools, and other materials, is intended for general educational and informational purposes only. Nothing in this program constitutes, and should not be construed as:

• Legal advice or the formation of an attorney-client relationship.
• Financial, investment, tax, or accounting advice.
• Psychological, therapeutic, or mental health counseling.
• Credit counseling or debt management services regulated under applicable law.

The Company is not a law firm, financial advisory firm, credit counseling agency, or licensed mental health provider. The AI coaching tool included in the program is an educational resource and does not constitute professional advice of any kind.

You are strongly encouraged to consult with qualified, licensed professionals — including attorneys, certified financial planners, accountants, and mental health professionals — before making any significant financial, legal, or personal decisions. The Company expressly disclaims any liability for decisions you make based on the program content without seeking appropriate professional guidance.

All content included in or made available through The Phoenix Protocol — including but not limited to video recordings, written guides, templates, scripts, graphics, logos, software, AI tools, and all other materials — is the exclusive proprietary property of Kairo Digital Solutions, LLC and is protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

Your purchase grants you a limited, non-exclusive, non-transferable, revocable, personal license to access and use the program content solely for your own personal, non-commercial purposes. This license expressly excludes:

• Sharing, distributing, reselling, or sublicensing any content to any third party.
• Reproducing, copying, or creating derivative works based on any program content.
• Uploading, posting, streaming, or publicly displaying any program content on any platform.
• Using any program content for commercial purposes, training, coaching, or consulting services.
• Sharing your login credentials or portal access with any other individual.
• Reverse engineering, decompiling, or attempting to extract the source code of any software component.

Any unauthorized use of the Company's intellectual property will result in immediate termination of your access and may subject you to civil and criminal liability. The Company actively monitors for unauthorized distribution and will pursue all available legal remedies.

By accessing the program, you agree to use it solely for lawful purposes and in accordance with this Agreement. You agree that you will not:

• Provide false or misleading information during the purchase process or in any communication with the Company.
• Attempt to gain unauthorized access to any portion of the portal or any other system or network connected to the Company.
• Use the program content in any manner that violates applicable federal, state, or local laws or regulations.
• Harass, threaten, or harm Company personnel, affiliates, or other users.
• Use the program to engage in any fraudulent, deceptive, or misleading activity.
• Circumvent any technical measures the Company uses to protect its content or systems.

The Company reserves the right to terminate your access immediately and without refund if you violate any provision of this section or any other provision of this Agreement.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KAIRO DIGITAL SOLUTIONS, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PROGRAM, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE PROGRAM EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full. In such jurisdictions, the Company's liability shall be limited to the maximum extent permitted by law.

THE PROGRAM AND ALL CONTENT, TOOLS, AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

The Company does not warrant that: (a) the program will meet your specific requirements or expectations; (b) the portal will be uninterrupted, timely, secure, or error-free; (c) the results that may be obtained from use of the program will be accurate, reliable, or meet your goals; or (d) any errors in the program or portal will be corrected.

You agree to defend, indemnify, and hold harmless Kairo Digital Solutions, LLC and its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of this Agreement; (b) your use of the program or portal; (c) your violation of any third-party rights, including intellectual property rights; or (d) any claim that your use of the program caused damage to a third party.

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE PROGRAM SHALL BE RESOLVED EXCLUSIVELY THROUGH BINDING INDIVIDUAL ARBITRATION, AND NOT IN A COURT OF LAW, EXCEPT AS PROVIDED BELOW.

You and the Company each waive the right to a trial by jury and the right to participate in a class action lawsuit or class-wide arbitration. All arbitration proceedings shall be conducted on an individual basis only.

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration shall take place in the state of the Company's principal place of business, or at a mutually agreed location. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

You have the right to opt out of this arbitration provision by sending written notice to support@kairodigitalsolutions.co within thirty (30) days of your initial purchase. Your opt-out notice must include your full name, email address used for purchase, and a clear statement that you are opting out of the arbitration provision.

Your use of the program is also governed by our Privacy Policy, which is incorporated into this Agreement by reference. By purchasing and accessing the program, you consent to the collection, use, and processing of your personal information as described in the Privacy Policy.

The Company collects and retains purchase records, access logs, IP addresses, and usage data for purposes including fraud prevention, legal compliance, and program improvement. This information may be used as evidence in the event of a chargeback dispute or legal proceeding.

This Agreement is effective from the date of your purchase and continues until terminated. The Company reserves the right to suspend or terminate your access to the program at any time, with or without notice, for any of the following reasons:

• Violation of any provision of this Agreement.
• Initiation of a chargeback or payment dispute.
• Fraudulent, abusive, or unlawful conduct.
• Unauthorized sharing or distribution of program content.
• Any conduct the Company reasonably determines to be harmful to the Company, other users, or third parties.

Termination of your access does not entitle you to any refund. All provisions of this Agreement that by their nature should survive termination shall survive, including but not limited to the no-refund policy, intellectual property provisions, disclaimer of warranties, limitation of liability, and arbitration clause.

This Agreement shall be governed by and construed in accordance with the laws of the United States and the state in which Kairo Digital Solutions, LLC is incorporated, without regard to its conflict of law provisions. To the extent any dispute is not subject to arbitration under Section 12, you consent to the exclusive personal jurisdiction and venue of the state and federal courts located in that jurisdiction.

The Company reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued access to or use of the program after any modifications constitutes your acceptance of the updated Terms. We encourage you to review this page periodically. The "Last Updated" date at the top of this page indicates when the most recent changes were made.

This Agreement, together with the Privacy Policy and any other legal notices published by the Company, constitutes the entire agreement between you and the Company with respect to the program and supersedes all prior agreements, representations, and understandings of any kind. If any provision of this Agreement is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

The Company's failure to enforce any right or provision of this Agreement shall not be deemed a waiver of such right or provision.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or if you need support with your purchase or access to the program, please contact us before initiating any dispute with your financial institution:

We are committed to resolving any concerns promptly and fairly. Please allow up to 5 business days for a response.