HS TERMS & CONDITIONS
PRIVACY, REFUND, &
DELIVERY POLICIES

HARRIET’S SISTERS WHOLE HEALTH LITERACY APPLICATION TERMS & CONDITIONS Harriet's Sisters, LLC Harriet's Sisters© Whole Health Literacy (HSWHL) Digital Application Effective Date: November 17th, 2025 Last Updated: December 12th, 2025 IMPORTANT NOTICE: PLEASE READ CAREFULLY BY CHECKING THE "I AGREE" BOX AND COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE OR ACCESS OUR PRODUCTS OR SERVICES. 1.ACCEPTANCE OF TERMS These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "User")and Harriet's Sisters, LLC ("we," "us," "our," or "Harriet's Sisters") governing your access to and use of the Harriet's Sisters© Whole Health Literacy digital Application, website, subscription services, and all related content, products, and services (collectively, the "Services"). By purchasing, accessing, or using our Services, you represent that: You are at least 18 years of age You have the legal capacity to enter into this binding agreement You will use the Services in compliance with these Terms and all applicable laws 2. DESCRIPTION OF SERVICES 2.1 Nature of Content Harriet's Sisters© Whole Health Literacy provides digital application(s), research compilations, podcasts, discussions, community forums and ongoing content from the founders, guests and contributors focused on the Four Pillars of Whole Health Literacy: 1. Spiritual Health 2. Physical Health 3. Mental Health 4. Financial Health Our Services include: Delivery of the 113-page digital research application, (Harriet's Sisters Whole Health Literacy) available for individual purchase at $49.99 (USD) for non-subscribers Annual Subscription Service at $99.99 (USD) providing access to the following: digital application(s), research compilations, podcasts, discussions, community forums and ongoing content from the founders, guests, and contributors 2.2 Educational and Informational Purpose Only CRITICAL DISCLAIMER: All content provided through Harriet's Sisters© represents the personal research, perspectives, opinions, and insights of the founders and guest & contributors. The content is designed to: Share research findings and personal experiences Encourage discussion and introspection Foster community dialogue and shared learning Promote deeper exploration of holistic/wholistic health topics Offer enlightenment and perspective on the Four Pillars THE CONTENT IS STRICTLY FOR EDUCATIONAL, INFORMATIONAL, AND DISCUSSION PURPOSES ONLY. 3. CRITICAL DISCLAIMERS AND LIMITATIONS 3.1 NOT PROFESSIONAL ADVICE YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT: Medical/Health Disclaimer: The content provided is NOT medical advice, diagnosis, or treatment We are NOT licensed healthcare professionals, doctors, therapists, or medical practitioners The health and wellness information shared represents personal research and perspectives only YOU SHOULD ALWAYS CONSULT WITH QUALIFIED HEALTHCARE PROFESSIONALS before making any health, medical, or wellness decisions Never disregard professional medical advice or delay seeking it because of content in HSWHL (Harriet’s Sisters Whole Health Literacy) materials If you think you may have a medical emergency, call your doctor or emergency services immediately Financial Disclaimer: The content provided is NOT financial advice, investment guidance, or professional financial planning We are NOT certified financial advisors, accountants, or licensed financial professionals The financial literacy information shared represents personal research, experiences, and educational perspectives only YOU SHOULD ALWAYS CONSULT WITH QUALIFIED FINANCIAL PROFESSIONALS before making any financial, investment, or economic decisions Past performance or research findings do not guarantee future results Financial decisions involve risk, and you may lose money Spiritual Disclaimer: The spiritual content provided represents personal beliefs, research, and perspectives ONLY While Harriet's Sisters ARE ordained [Christian and/or Interfaith] ministers, Harriet's Sisters reserves that certified spiritual counsel, or religious authority is NOT the intended purpose of the HSWHL (HARRIET’S SISTERS WHOLE HEALTH LITERACY) Application and acknowledge all faiths with equal gravitas Spiritual practices and beliefs are deeply personal, and content should be considered as shared perspectives for discussion and reflection ONLY YOU ARE RESPONSIBLE for determining what spiritual practices and beliefs are appropriate for you We respect all faith traditions and perspectives; our content is offered in a spirit of sharing, not prescribing and NOT meant to disavow or disparage other belief systems 3.2 No Professional Certification or Credentials The founders and contributors to Harriet's Sisters© DO NOT hold prescriptive professional certifications, licenses, or credentials in medicine, mental health, financial planning, nutrition, fitness training, or any other professional field that would authorize them to provide professional advice. All content represents: Personal research and study Individual experiences and perspectives Insights and opinions The information is offered as collective wisdom for open discussion and individual reflection only Informed educational exploration of the topics within 3.3 Research Compilation, Not Prescription The 113-page application and all related content represent a compilation of research findings, personal insights, and educational exploration. This content: Is NOT a prescription for action Is NOT instruction or direction for specific behaviors Is NOT a substitute for professional guidance DOES encourage personal reflection and deeper personal exploration DOES share findings solely for educational and discussion purposes DOES aim to promote informed decision-making by encouraging you to seek further appropriate professional guidance 4. COMPLETE LIABILITY WAIVER AND ASSUMPTION OF RISK 4.1 Assumption of All Risks BY USING OUR SERVICES, YOU EXPRESSLY ACKNOWLEDGE, UNDERSTAND, AND AGREE THAT: You are solely responsible for any decisions, actions, or outcomes resulting from reading, reviewing, or considering the content provided by Harriet's Sisters© You assume ALL RISKS associated with using, implementing, or relying upon any information, suggestions, research findings, or perspectives shared in our materials You understand that the content is for educational purposes ONLY and that you must conduct your own due diligence and consult with appropriate professionals before taking any action 4.2 Release from Liability YOU HEREBY RELEASE, WAIVE, DISCHARGE, AND COVENANT NOT TO SUE Harriet's Sisters, LLC, its founders, owners, officers, employees, contractors, content contributors, affiliates, successors, and assigns (collectively, the "Released Parties") from any and all liability, claims, demands, actions, or causes of action whatsoever, directly or indirectly, arising out of or related to: Any loss, damage, injury, death, or harm to persons or property Any adverse health outcomes, medical complications, or physical conditions Any financial losses, investment losses, or economic harm Any emotional, psychological, or spiritual distress Any decisions made or actions taken based on content in our materials Any misunderstanding or misinterpretation of the content Any reliance upon the information provided This release applies whether such liability arises from: Negligence of the Released Parties Dangerous or defective conditions Your own actions or decisions The actions or decisions of third parties Any other cause(s) whatsoever 4.3 Indemnification You agree to INDEMNIFY, DEFEND, AND HOLD HARMLESS the Released Parties from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to: Your use of the data and services contained within Your violation of these Terms Your violation of any rights of another party Any decisions or actions you take based on the content Any outcomes resulting from your implementation of information from our materials 4.4 No Warranties THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: Warranties of merchantability Fitness for a particular purpose Non-infringement Accuracy, reliability, or completeness of content Results or outcomes from using the content Error-free or uninterrupted service WE DO NOT WARRANT THAT: The content will meet your expectations or needs The Services will be available at all times Any information is accurate, current, or complete Use of the Services will produce any specific results Any errors or defects will be corrected 5. LIMITATION OF LIABILITY 5.1 Exclusion of Damages TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HARRIET'S SISTERS, LLC OR ANY OF THE RELEASED PARTIES BE LIABLE FOR ANY: Direct, indirect, incidental, special, consequential, or exemplary damages Damages for loss of profits, revenue, income, or savings Damages for loss of data or information Damages for business interruption Damages for personal injury, emotional distress, or wrongful death Damages resulting from medical decisions or health outcomes Damages resulting from financial decisions or economic losses Damages resulting from spiritual practices or beliefs Any other damages or losses of any kind WHETHER BASED ON: Breach of contract Breach of warranty Negligence Strict liability Tort Any other legal theory EVEN IF HARRIET'S SISTERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 5.2 Cap on Liability If, notwithstanding the foregoing provisions, Harriet's Sisters, LLC is found liable for any damages, our total aggregate liability shall not exceed the amount you paid for the specific product or service giving rise to the claim, up to a maximum of $99.99 (USD). 5.3 Jurisdictional Limitations Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law. 6. USER RESPONSIBILITIES AND CONDUCT 6.1 Personal Responsibility You acknowledge and agree that: You are solely responsible for evaluating the content and determining its relevance and appropriateness for your personal situation You will consult with appropriate licensed professionals before making any health, financial, or significant life decisions You will conduct independent research and verification before acting on any information You will exercise sound judgment and critical thinking when reviewing the content You understand the limitations of the content as educational and informational only 6.2 Prohibited Uses You agree NOT to use the Services to: Violate any local, state, national, or international law Infringe upon or violate our intellectual property rights or the rights of others Harass, abuse, threaten, or intimidate others Transmit any harmful code, viruses, or malicious software Impersonate any person or entity Engage in any fraudulent activity Share, redistribute, or resell the content without written authorization Use the content for any commercial purpose without written permission Extract, scrape, or harvest data from the Services 6.3 Account Security If you create an account for subscription services, you are responsible for: Maintaining the confidentiality of your login credentials All activities that occur under your account Notifying us immediately of any unauthorized access Ensuring your account information is accurate and current 7. INTELLECTUAL PROPERTY RIGHTS 7.1 Ownership All content, materials, features, and functionality of the Services, including but not limited to: Text, documents, and written content Graphics, logos, and images Software and code Trademarks and service marks (including Harriet's Sisters©) Compilation and arrangement of content are owned by Harriet's Sisters, LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. 7.2 Limited License Your purchase grants you a limited, non-exclusive, non-transferable, revocable license to: Access and view the digital content for your personal, non-commercial use only Download one copy of the digital application for your personal use Access subscription content during your active subscription period 7.3 Restrictions You may NOT: Copy, reproduce, distribute, or create derivative works from the content Modify, adapt, translate, or reverse engineer the content Remove any copyright, trademark, or proprietary notices Share your account credentials or purchased content with others Use the content for commercial purposes Publicly display, perform, or broadcast the content Frame or mirror any portion of the Services Unauthorized use may result in immediate termination of your license and may subject you to legal action. 8. SUBSCRIPTIONS AND PAYMENTS 8.1 Subscription Terms Annual subscriptions ($99.99 USD) include: Access to all subscription content for 12 months Automatic renewal unless cancelled Access to podcasts, discussions, and community content Ongoing updates from founders and contributors 8.2 Automatic Renewal Your subscription will automatically renew at the end of each subscription period unless you cancel before the renewal date. You will be charged the then-current subscription fee. You are responsible for cancelling your subscription if you do not wish to renew. 8.3 Price Changes We reserve the right to change our pricing at any time. Price changes will not affect your current subscription period but will apply upon renewal. We will provide notice of price changes in advance of renewal. 8.4 Payment Processing All payments are processed through secure third-party payment processors. We do not store your complete payment information. You agree to provide accurate and complete payment information. 8.5 Taxes You are responsible for all applicable taxes associated with your purchase, including sales, use, and value-added taxes. 9. REFUND POLICY INCORPORATION The refund and cancellation terms set forth in our separate Privacy, Refund, and Delivery Policy are incorporated into these Terms by reference. Please review that policy carefully before making a purchase. 10. PRIVACY AND DATA COLLECTION Our collection, use, and protection of your personal information are governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our data practices as described in the Privacy Policy. 11. THIRD-PARTY CONTENT AND LINKS Our Services may contain links to third-party websites, resources, or services. We: Do not endorse or assume responsibility for third-party content Are not liable for any harm arising from third-party sites Do not warrant the accuracy or reliability of third-party information Encourage you to review the terms and privacy policies of third-party sites Your interactions with third parties are solely between you and the third party. 12. USER-GENERATED CONTENT AND COMMUNITY 12.1 Community Participation If you participate in community discussions, forums, or contribute content, you agree that: You will maintain respectful and constructive communication You will not post harmful, offensive, or illegal content You grant us a license to use, display, and distribute your contributions You are solely responsible for your contributions We may moderate, edit, or remove content at our discretion 12.2 No Endorsement Community contributions and discussions represent the personal views and experiences of individual members. We do not endorse, verify, or take responsibility for user-generated content. 13. TERMINATION 13.1 Termination by You You may terminate your use of the Services at any time by: Discontinuing access to the Services Cancelling your subscription (if applicable) Deleting your account 13.2 Termination by Us We reserve the right to terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to: Violation of these Terms Fraudulent or illegal activity Abusive or harassing behavior Unauthorized sharing or distribution of content Non-payment At our sole discretion 13.3 Effect of Termination Upon termination: Your right to access and use the Services immediately ceases You must cease all use of the content No refunds will be provided except as specified in our Refund Policy Sections of these Terms that by their nature should survive termination shall survive 14. DISPUTE RESOLUTION 14.1 Informal Resolution Before filing any formal claim, you agree to first contact us at hswhl@harrietssisters.com to attempt to resolve the dispute informally. We will work in good faith to resolve any issues. 14.2 Binding Arbitration ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL BE RESOLVED BY BINDING ARBITRATION rather than in court, except that: You may assert claims in small claims court if they qualify Either party may seek injunctive relief in court for intellectual property infringement Arbitration Terms: Conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules One arbitrator selected according to AAA rules Location: Equitable Building,120 Broadway, New York, NY 10271 Each party bears their own costs and fees Arbitrator's decision is final and binding Judgment on the award may be entered in any court having jurisdiction 14.3 Class Action Waiver YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE LIMITED TO THE DISPUTE BETWEEN YOU AND HARRIET'S SISTERS INDIVIDUALLY. To the full extent permitted by law: Claims may not be arbitrated or litigated on a class, collective, or representative basis You may not join or consolidate claims with those of others No arbitrator or judge may preside over any form of representative or class proceeding 14.4 Governing Law These Terms shall be governed by and construed in accordance with the laws of New York, United States, without regard to its conflict of law provisions. 14.5 Venue If arbitration does not apply, you agree that any legal action must be brought exclusively in the state or federal courts located in Kings County, New York State, and you consent to personal jurisdiction in those courts. 15. MODIFICATIONS TO TERMS We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of the Services after changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically. Material changes affecting your rights or obligations will be communicated via email to registered users. 16. SEVERABILITY If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, severed from these Terms. The remaining provisions shall continue in full force and effect. 17. WAIVER Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Harriet's Sisters, LLC. 18. ENTIRE AGREEMENT These Terms, together with our Privacy Policy and Refund and Delivery Policy, constitute the entire agreement between you and Harriet's Sisters, LLC, regarding the Services and supersede all prior or contemporaneous communications, agreements, or understandings, whether written or oral. 19. ASSIGNMENT You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section shall be void. 20. FORCE MAJEURE We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, internet failures, or technical malfunctions. 21. CONTACT INFORMATION For questions, concerns, or notices regarding these Terms and Conditions, please contact: HARRIET'S SISTERS, LLC Email: hswhl@harrietssisters.com Website: www.harrietssisters.com Address: Harriet’s Sisters LLC, 535 Flatbush Avenue, Suite 310, Brooklyn, NY 11225 All legal notices must be sent to the address above via certified mail 22. ACKNOWLEDGMENT AND AGREEMENT BY CHECKING THE "I AGREE" BOX AND COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT: You have read and understood these Terms and Conditions in their entirety You agree to be legally bound by these Terms You understand that the content is for educational and informational purposes only You understand that the content does NOT constitute professional advice of any kind You will consult with appropriate licensed professionals before making any significant decisions You assume all risks and release Harriet's Sisters, LLC from all liability You understand that all sales are subject to our Refund Policy You understand that you are responsible for your own decisions and outcomes IF YOU DO NOT AGREE TO THESE TERMS, DO NOT CHECK THE "I AGREE" BOX AND DO NOT PURCHASE OR USE OUR SERVICES. These Terms and Conditions were last updated December 12th, 2025, and are effective immediately for all users. Harriet's Sisters, LLC reserves all rights not expressly granted herein. ©2025 Harriet's Sisters, LLC. All Rights Reserved.