Truth J Blue — Terms & Conditions

1. Agreement to Terms

By using Truth J Blue's website, products, or services ("Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, do not use the Services. These Terms apply to visitors, users, and others who access the Services.

2. Services & Access

Truth J Blue provides digital content, courses, coaching, and related services. Access to certain content may require registration or payment. We reserve the right to modify, suspend, or discontinue any Service (or portion) at any time without notice.

3. Accounts, Passwords & Security

If you create an account, you are responsible for maintaining its confidentiality and for all activities that occur under your account. Notify us immediately of any unauthorized use. Truth J Blue is not liable for losses arising from unauthorized use of your account where we have acted reasonably.

4. Payments & Refunds

Paid Services require payment in advance via the payment methods displayed at checkout. Prices are stated in USD unless noted. Unless specific refund policies are published for a product, all sales are final. Any exceptions will be made at our sole discretion.

If you collect payments through a third party (e.g., Stripe, PayPal), their terms and fees also apply.

5. Content & Intellectual Property

All content on the site — text, images, video, audio, and downloads — is owned or licensed by Truth J Blue. You may access and use content for personal, non-commercial use only unless you obtain written permission otherwise. Reproduction, distribution, or public display without permission is prohibited.

If you submit content (e.g., comments, testimonials), you grant Truth J Blue a non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, publish, and distribute such content.

6. Disclaimers

All materials provided by Truth J Blue are for educational and informational purposes only. They are not medical, legal, financial, or professional advice. Always consult a qualified professional for advice tailored to your situation. Use of our materials is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, Truth J Blue and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of Services. Our total liability for any claim arising from these Terms is limited to the amount you paid, if any, for the specific Service that caused the claim.

8. Indemnification

You agree to indemnify and hold Truth J Blue harmless from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your use of the Services.

9. Termination

We may suspend or terminate your access to all or part of the Services at any time, with or without cause, notice, or liability. Upon termination, your right to use the Services immediately ceases. Sections that by their nature should survive (e.g., intellectual property, warranties, liability limitations, indemnity) will continue to apply.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of the state of [State] without regard to conflict of law principles. Any dispute arising under these Terms will be resolved in the state or federal courts located in [County], [State], and you consent to personal jurisdiction there.

11. Changes to Terms

We may modify these Terms from time to time. The "Effective Date" at the top will reflect when changes take effect. Continued use of the Services after changes means you accept the new Terms. Major changes will be highlighted or notified to registered users.

12. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and store personal data. Where applicable, users have rights under data protection laws (e.g., access, correction, deletion). See our Privacy Policy for details.

13. Contact

If you have questions about these Terms, please contact us: