TERMS OF SERVICE
Last Updated On: February 25, 2025
We’re glad you’re here! Before you use our programs, courses, or community spaces, please know the basics:
- Be respectful and kind to others.
- Your login is for you only.
- All our content is our intellectual property—please don’t copy or share without permission.
- Coaching here is not therapy or medical advice.
- Refunds and payment terms are specific to each program—check details before purchasing.
- If you break the rules, we may remove your access.
- We follow the laws of Hamilton County, Ohio, USA.
1. Description of Services
We provide coaching programs, online courses, and group sessions, some of which require login-based access. Our Services are intended to support personal growth and development. They are not a substitute for professional therapy, medical treatment, or legal advice.
2. Payment & Refunds
We accept major credit cards. Payment terms, pricing, and refund policies are specific to each product or program and are outlined in the description or agreement for that purchase. By enrolling in any paid Service, you agree to those specific payment and refund terms.
3. User Conduct
We strive to maintain a safe, respectful, and supportive community. By using our Services, you agree to:
- Engage in civil, respectful conversations.
- Avoid harassment, discrimination, or hateful speech of any kind.
- Refrain from spamming, solicitation, or promoting products/services without our written consent.
- Avoid sharing your account login with others.
We reserve the right to remove content, suspend, or terminate accounts that violate these standards or these Terms without prior notice.
4. Intellectual Property
All content, products, course materials, videos, written materials, branding, and other intellectual property provided through our Services are owned by PBF Programs LLC and protected under copyright, trademark, and other applicable laws. You may not reproduce, distribute, or create derivative works from our content without our prior written permission.
5. Disclaimers
Our coaching programs, courses, and materials are for educational and personal development purposes only. They are not medical, psychological, psychiatric, or legal advice, and should not be used as a substitute for professional care from a licensed provider. We make no guarantees regarding specific outcomes or results from participating in our Services.
6. Limitation of Liability
To the fullest extent permitted by law, PBF Programs LLC Optimistic Heart, LLC shall not be liable for any indirect, incidental, consequential, or special damages arising out of or relating to your use of our Services.
7. Termination of Services
We may suspend or terminate your account and access to our Services at any time, without prior notice, if you violate these Terms or engage in conduct we deem harmful to the community or our business.
8. Governing Law
These Terms are governed by and construed in accordance with the laws of Hamilton County, Ohio, USA, which is also the exclusive jurisdiction for any legal action related to these Terms.
9. Changes to These Terms
We may update these Terms from time to time. The “Effective Date” at the top will reflect the latest update. Continued use of our Services after changes are posted constitutes acceptance of the revised Terms.
10. Contact Information
If you have any questions about these Terms or need to send a legal notice, please contact us at:
Email: [email protected]
Detailed Terms
This website is operated by PBF Programs LLC Optimistic Heart (“Company,” “we,” “us,” or “our”). Throughout the site, the terms PBF Programs LLC Optimistic Heart, “we,” “us,” and “our” refer to the Company. The Company offers this website, including all information, content, products, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.
By visiting our site and/or purchasing a product or service from us, you engage in our “Service” and agree to be bound by these Terms of Service (“Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink (such as our Privacy Policy and Return Policy). These Terms of Service apply to all users of the site, including without limitation browsers, vendors, customers, merchants, and contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.
1. Online Store Terms
By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence. You must be at least 18 years old to use this website or opt in to receive communications from PBF Programs LLC Optimistic Heart. You may not use our products for any illegal or unauthorized purpose nor may you violate any laws in your jurisdiction (including but not limited to copyright laws). A breach or violation of any of the Terms will result in immediate termination of your Services.
2. General Conditions
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information) may be transferred unencrypted and involve transmissions over various networks, and changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without express written permission by us.
3. Accuracy, Completeness, and Timeliness of Information
We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting more complete, primary, or timely sources of information. Any reliance on the material on this site is at your own risk.
4. Modifications to the Service and Prices
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice.
We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Service.
5. Products or Services
Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.
We reserve the right to limit the sales of our products or services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations.
6. Accuracy of Billing and Account Information
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order.
You agree to provide current, complete, and accurate purchase and account information for all purchases made at our store.
7. Optional Tools
We may provide you with access to third-party tools over which we neither monitor nor have control. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties or conditions of any kind.
Any use of optional tools offered through the site is entirely at your own risk.
8. Third-Party Links
Certain content, products, and services available via our Service may include materials from third parties.
We are not responsible for examining or evaluating the content or accuracy and do not warrant and will not have any liability for third-party materials or websites.
9. User Comments, Feedback, and Submissions
If you send certain submissions (for example, testimonials, suggestions, or creative ideas) whether online, by email, or otherwise, you agree that we may, at any time, edit, copy, publish, distribute, and otherwise use any comments you forward to us without restriction.
We have no obligation to maintain any comments in confidence, to pay compensation, or to respond.
10. Personal Information
Your submission of personal information through the store is governed by our Privacy Policy.
SMS Messaging Terms
By providing your mobile phone number and opting in through our website or forms, you consent to receive SMS (text) messages from PBF Programs, LLC, doing business as The PBF Programs LLC Optimistic Heart.
Description of SMS Use Cases
SMS messages may include, but are not limited to:
Appointment confirmations and reminders
Program updates and important service notifications
Customer support communications
Occasional marketing and promotional messages (only if separately opted in)
Message frequency may vary based on your interaction with our Services.
Opt-In Method
You opt in to SMS messaging by submitting your phone number through our website forms and checking an unchecked consent box authorizing SMS communications.
Opt-Out Instructions
You may opt out of SMS messages at any time by replying STOP to any message.
After opting out, you will no longer receive SMS messages unless you opt in again.
For help, reply HELP or contact us at [email protected].
Message & Data Rates Disclosure
Message and data rates may apply depending on your mobile carrier and plan. PBF Programs, LLC is not responsible for any charges incurred.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
Privacy & Consent
SMS consent is not shared with third parties or affiliates for marketing purposes.