Terms & Conditions

PLEASE READ THESE LICENCE TERMS CAREFULLY

Effective Date: January 1, 2026

Welcome to PepTalkHer.

This page contains our:

Certain designated premium programs are governed by our separate Premium & Executive Program Terms, available here: Premium Program Agreement

TERMS OF SERVICE

Binding Acceptance

By accessing this website, downloading the App, submitting payment, executing a contract, or completing a purchase, you:

  • Acknowledge these Terms were available for review prior to use or purchase;

  • Agree that your use or purchase constitutes your electronic signature;

  • Agree to be legally bound by these Terms and, where applicable, the Premium & Executive Program Terms.

If you do not agree, do not use the Services.

Entire Agreement & No Reliance

These Terms constitute the entire agreement between you and PepTalkHer.

You acknowledge that:

  • You are not relying on any oral statements, testimonials, projections, marketing claims, or representations not expressly set forth in these Terms;

  • No specific financial, promotional, or business outcomes have been guaranteed.

App License & Acceptable Use

You are granted a limited, revocable, non-exclusive, non-transferable license to use the PepTalkHer App for personal use.

You may not:

  • Reverse engineer or modify the App;

  • Rent, sublicense, or resell the App;

  • Transmit malicious code;

  • Interfere with security systems;

  • Harvest or scrape data;

  • Use the App unlawfully.

All rights not expressly granted are reserved.

ALL SALES ARE FINAL

ALL PURCHASES ARE FINAL AND NON-REFUNDABLE.

Once payment is submitted or a contract is executed, you will not be entitled to a refund, credit, cancellation, or exchange for any reason, except where required by non-waivable law.

By completing your purchase, you acknowledge that:

  • Access to digital content, programs, or services may begin immediately;

  • You waive any right to cancel, reverse, dispute, or charge back payment after access has been granted, except where prohibited by law.

If you believe you were charged in error, you must contact hello@peptalkher.com within seven (7) days of purchase.

Payment Authorization & Chargebacks

By submitting payment, you authorize PepTalkHer to charge your selected payment method.

You agree not to initiate a chargeback, dispute, or reversal after services have been delivered or access has been provided.

Improper chargebacks constitute material breach.

PepTalkHer may:

  • Suspend or revoke access;

  • Provide payment processors with proof of agreement acceptance, transaction confirmation, login records, and access history;

  • Recover chargeback fees, administrative costs, and related expenses to the extent permitted by law.

Payment Plans & Default

Payment plans are commitments to pay the full purchase amount over time.

Failure to make scheduled payments:

  • Constitutes default;

  • Permits acceleration of the remaining balance;

  • Permits suspension of access.

Unpaid balances accrue interest at 1.5% per month (or the maximum rate permitted by law).

Payment obligations may not be withheld, reduced, or offset due to disputes regarding satisfaction, participation, or results.

For payment plans exceeding $10,000, the individual purchaser personally guarantees payment obligations.

Educational Disclaimer

PepTalkHer provides educational and professional development services only.

Results vary based on individual effort, experience, market conditions, and personal circumstances.

PepTalkHer does not guarantee specific promotions, compensation increases, financial outcomes, or business performance.

You are solely responsible for your decisions and actions.

Intellectual Property

All materials are proprietary.

Unauthorized reproduction, distribution, resale, or commercial use is prohibited.

PepTalkHer may seek injunctive relief and damages for misuse.

Non-Solicitation

For twelve (12) months following participation, you may not solicit PepTalkHer members for competing services where the relationship arose through PepTalkHer programs.

Disclaimer of Warranties

Services and the App are provided “as is” and “as available,” without warranties of any kind.

PepTalkHer does not guarantee uninterrupted, secure, or error-free operation.

Limitation of Liability

PepTalkHer’s total liability shall not exceed the amount paid by you in the twelve (12) months preceding the claim.

To the fullest extent permitted by law, you waive consequential, incidental, special, exemplary, and punitive damages.

Nothing herein limits liability where prohibited by applicable law.

Claims must be filed within twelve (12) months of the event giving rise to the claim.

Multiple claims or legal theories shall not expand the liability cap set forth herein.

Indemnification

You agree to indemnify and hold harmless PepTalkHer from claims arising from your breach, misuse, or improper chargeback disputes.

Dispute Resolution

Before arbitration, you must provide written notice to hello@peptalkher.com and allow thirty (30) days for good-faith resolution.

All disputes shall be resolved by confidential binding arbitration administered by the American Arbitration Association in New York, NY.

You agree that:

  • Arbitration shall be conducted on an individual basis only;

  • Class arbitration is not permitted;

  • Claims may not be consolidated with those of other parties;

  • You waive any right to participate in class, collective, or representative proceedings;

  • You waive jury trial.

If PepTalkHer prevails, it may recover reasonable attorney’s fees and arbitration costs where permitted by law.

Governing Law

These Terms are governed by the laws of the State of New York.

PRIVACY POLICY

PepTalkHer collects personal information including:

  • Name and contact information;

  • Billing details;

  • Device and browser information;

  • Usage data;

  • Program participation data.

Information is used to:

  • Deliver services;

  • Process payments;

  • Provide support;

  • Improve offerings;

  • Comply with legal obligations.

We may share information with payment processors, hosting providers, analytics platforms, professional advisors, and law enforcement where required.

We do not sell personal information.

You may request access, correction, or deletion by contacting hello@peptalkher.com.

Data may be processed in the United States.

We retain data as required for business and legal obligations.

COOKIE POLICY

PepTalkHer uses:

  • Essential Cookies – Required for core functionality

  • Analytics Cookies – Usage measurement

  • Marketing Cookies – Advertising and retargeting

Users may manage cookie preferences through the consent banner.

Modification

PepTalkHer may update these Terms at any time. Continued use constitutes acceptance.

Survival & Severability

Refund policies, payment obligations, arbitration provisions, intellectual property protections, and indemnification survive termination.

If any provision is unenforceable, the remainder remains in effect.