Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the D4D Method 7-Day Client Challenge and any related coaching tools, websites, and content (together, the "Service") provided by JOA Creative Lab ("we", "us", "our"), trading as Designed for Destiny / D4D Method.

1. Acceptance of these Terms

By creating an account, purchasing access, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service. If you are using the Service on behalf of a business, you represent that you have authority to bind that business; otherwise, you confirm you are at least 18 years old.

2. The Service

The Service is a 7-day digital coaching program for women founders, including written frameworks, AI-generated coaching feedback, and downloadable deliverables. Access is sold as a one-time $27 USD purchase that unlocks ongoing access for your individual account for as long as the Service remains available.

3. Your account

You must provide accurate information when creating your account and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

4. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, fraud, spam, or to harm any person;
• infringe anyone's intellectual property, privacy, or other rights;
• probe, scan, scrape, or test the Service for vulnerabilities, introduce malware, or otherwise interfere with its operation or security;
• resell, sublicense, or redistribute the Service or its content, or share your account credentials with anyone else;
• attempt to reverse-engineer, decompile, or circumvent any technical limits of the Service;
• use the AI coaching features to generate content that is illegal, defamatory, infringing, or designed to deceive (including impersonation or deepfakes), or to seek regulated professional advice (medical, legal, financial) without independent verification.

AI outputs may be inaccurate or incomplete; you are responsible for how you use them, for verifying accuracy, and for having the rights to any content you input.

5. Intellectual property

We retain all right, title, and interest in and to the Service, including the underlying software, coaching frameworks, written content, branding, and documentation. We grant you a limited, personal, non-exclusive, non-transferable license to access and use the Service for your own business and learning purposes during the term of your access.

Deliverables generated for you (e.g., your rewritten landing page copy or final blueprint) belong to you and may be used in your business. The underlying program, prompts, and frameworks remain ours.

6. Payment, billing, and our payment processor

Payments are processed securely by Stripe, our third-party payment processor. By purchasing, you authorize us to charge your selected payment method through Stripe for the amount displayed at checkout, plus any applicable taxes. Stripe's processing of your payment is governed by Stripe's Services Agreement.

Access to the 7-Day Client Challenge is sold as a one-time $27 USD charge granting ongoing access for as long as the Service remains available, there is no automatic renewal. Recurring D4D Coach plans (Essentials, Builder, Founder) are billed on a monthly or annual cycle and renew automatically until canceled. Refunds are governed by our Refund Policy.

7. Service availability

We work to keep the Service available, but we do not guarantee uninterrupted, error-free, or fully-secure performance. The Service is provided on an "as is" and "as available" basis, and to the fullest extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

8. Suspension and termination

We may suspend or terminate your access to the Service, with or without notice, if: (a) you materially breach these Terms or the acceptable-use rules above; (b) we are required to do so by law; (c) your use creates security, fraud, or abuse risk; or (d) repeated or serious policy violations occur. Where reasonable, we will give you a chance to cure the breach first. If your account is terminated for cause, refunds are not owed.

You may stop using the Service at any time and request account deletion by emailing hello@d4dclientchallenge.com.

9. Limitation of liability

To the fullest extent permitted by law, our total aggregate liability arising from or related to the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or special damages, or for lost profits, data, goodwill, or business opportunity. Nothing in these Terms excludes liability that cannot be excluded under applicable law (such as liability for fraud, death, or personal injury caused by negligence).

10. Indemnity

You agree to indemnify and hold us harmless from any third-party claim arising out of (a) your content or inputs, (b) your unlawful use of the Service, or (c) your breach of these Terms.

11. Changes to the Service or these Terms

We may update the Service and these Terms from time to time. If changes are material, we will notify you (for example, by email or by posting a notice in the app). Your continued use after the effective date of the updated Terms means you accept them.

12. Governing law

These Terms are governed by the laws of the jurisdiction in which JOA Creative Lab is established, without regard to its conflict-of-laws rules. Disputes will be resolved in the courts of that jurisdiction, except where mandatory consumer-protection law gives you the right to bring a claim in your local courts.

13. Contact

Questions about these Terms? Email hello@d4dclientchallenge.com.