Terms and Conditions

Terms of Use  
Effective Date: November 13, 2026  
**Last Updated:** November 13, 2026  

Terms and Conditions  These Terms of Use ("Terms") are entered into by and between EmpowHERed & Encouraged LLC, doing business as Erica Hostettler ("Company," "we," "our," or "us"), and you ("User," "you," or "your").  These Terms govern your access to and use of the Erica Hostettler website ("Site"), and any courses, memberships, digital products, educational resources, events, programs, or services offered through the Site (collectively, the "Services").  By accessing or using the Site or Services, you agree to be bound by these Terms.  If you do not agree, you must not use this Site or any of our Services.  

# 1. Ownership and Intellectual Property  All content, materials, products, graphics, videos, logos, written resources, Bible studies, workbooks, courses, and designs found on this Site or within our Services are the property of EmpowHERed & Encouraged LLC or their respective rights holders and are protected by applicable copyright, trademark, and other intellectual property laws.  You are granted a limited, non-exclusive, non-transferable license to access and use the Site and Services for your personal, non-commercial use only.  You may not copy, reproduce, sell, distribute, modify, create derivative works, share login credentials, or otherwise exploit any portion of our proprietary content without express written permission.  Violation of this provision may result in termination of access and possible legal action.  

# 2. User Responsibilities  By using this Site or any Services, you agree that you will not:  - Violate any applicable laws or regulations. - Infringe upon our intellectual property rights or those of any third party. - Attempt to gain unauthorized access to any portion of the Site or Services. - Use our content or Services for resale, redistribution, or unauthorized commercial purposes. - Share purchased digital materials, course access, or membership credentials with individuals who have not purchased or received authorized access. - Engage in fraudulent, abusive, or harmful conduct through our platforms or communities.  You must be at least 18 years old to purchase or participate in our paid programs unless otherwise expressly authorized by the Company.  

# 3. Payment Terms and Refund Policy  By purchasing any product, course, membership, digital resource, event, or program from Erica Hostettler or EmpowHERed & Encouraged LLC, you agree to pay all fees and charges as stated at the time of purchase.  **Refund Policy**  All sales are final. We do not offer refunds for digital courses, memberships, programs, or downloadable products, except where otherwise required by applicable law or expressly stated in writing for a specific offering.  Please review all product descriptions, program details, and purchase information carefully before completing your transaction.  **Payment Plans**  If you select a payment plan, you are responsible for completing all scheduled payments, regardless of your level of participation or completion of the purchased program.  Failure to make timely payments may result in suspension or termination of access to the program or course, without a refund, subject to applicable law.  You authorize us and our payment processor to automatically charge your payment method on file according to the payment schedule you select at checkout.  

# 4. Termination  We reserve the right to suspend or terminate your access to the Site or Services if we reasonably believe you have violated these Terms or engaged in illegal, fraudulent, abusive, or harmful behavior.  Upon termination, your right to access our Services immediately ceases.  Any remaining payment obligations under an agreed payment plan remain due, subject to applicable law.  

# 5. Disclaimer of Warranties and Results  All Services, educational materials, and resources are provided "as is" and "as available," to the fullest extent permitted by applicable law.  We make no guarantees regarding specific results, financial earnings, business growth, personal development, or other outcomes from participation in our programs.  Content relating to faith, discipleship, simplified living, entrepreneurship, real estate, and personal development is provided for educational, informational, and inspirational purposes.  Our content does not constitute individualized legal, financial, tax, investment, medical, or mental health advice.  You acknowledge that your participation is voluntary and that you are responsible for your own decisions, actions, and results.  Individual outcomes may vary depending on personal circumstances, effort, experience, and other factors.  

# 6. Limitation of Liability  To the fullest extent permitted by applicable law, EmpowHERed & Encouraged LLC, its owners, officers, agents, contractors, and employees shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Services.  To the fullest extent permitted by law, our total liability for any claim related to a purchased product or service shall not exceed the amount you paid to us for that applicable product or service.  Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.  

# 7. Indemnification  To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless EmpowHERed & Encouraged LLC, Erica Hostettler, and their respective owners, officers, agents, contractors, and employees from claims, damages, losses, liabilities, costs, or expenses, including reasonable attorney's fees, arising out of or related to your misuse of the Site or Services, violation of these Terms, or infringement of third-party rights.

# 8. Governing Law and Dispute Resolution  These Terms shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict-of-law principles.  To the extent permitted by applicable law, any dispute arising under or related to these Terms shall be brought in the appropriate state or federal courts located in or serving Baldwin County, Alabama.  Before initiating formal legal proceedings, you agree to make a good-faith effort to resolve any dispute informally by contacting us using the contact information provided below.  If the matter cannot be resolved informally, it may proceed under applicable law.  

# 9. Modifications to Terms  We reserve the right to revise or update these Terms at any time.  Updated Terms will be posted on this page with a revised effective date or last updated date.  Your continued use of the Site or Services after updated Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.  

# 10. Severability  If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.  

# 11. Entire Agreement  These Terms, together with our Privacy Policy and any additional terms or agreements provided at checkout or during registration, constitute the entire agreement between you and EmpowHERed & Encouraged LLC regarding your use of the Site and Services.  These Terms supersede prior communications or agreements relating to the same subject matter, except where otherwise expressly stated in writing.  

# 12. Contact Us  If you have any questions about these Terms, please contact:  Erica Hostettler - EmpowHERed & Encouraged LLC  
Email: empowher@ericahostettler.com
Website: www.ericahostettler.com

# 13. Privacy Policy  Please review our Privacy Policy for additional information about how we collect, use, and protect your personal information.  

# 14. Cookie Policy  Our website may use cookies and similar technologies to improve website functionality, analyze visitor activity, and support marketing efforts.  For more information, please review our Cookie Policy.
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