Effective Date: August 13, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website, coaching programs, courses, workbooks, eBooks, and related services (collectively, the "Services") offered by Rarified Life, including its Preferment® Life Platform ("Company," "we," "us," or "our"). By accessing our website, purchasing a product, enrolling in a program, or otherwise using the Services, you ("Client," "you," or "your") agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Who We Are

Rarified Life is a coaching and consulting company operating primarily within the United States. Our Services include, without limitation, one-on-one and group coaching, an interactive online course and companion workbook, digital eBooks, and related educational materials focused on post-career life design. You can reach us at [email protected].

2. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract to use the Services. By using the Services, you represent that you meet these requirements and that all information you provide to us is accurate and current.

3. Nature of Services — Coaching Is Not Therapy, Financial, Legal, or Medical Advice

Coaching and consulting services provided by Rarified Life are educational and developmental in nature. They are not a substitute for psychotherapy, counseling, psychiatric care, financial planning, investment advice, legal advice, or medical treatment. We do not diagnose or treat any mental health condition, and nothing in our Services should be construed as financial, legal, tax, investment, or medical advice.

If you are experiencing a mental health crisis, thoughts of self-harm, or a medical emergency, please contact 911 (US) or the 988 Suicide & Crisis Lifeline immediately, and seek help from a licensed professional. You remain solely responsible for decisions you make in your personal, financial, health, and professional life, including any decisions made as a result of participating in our Services.

4. Purchases, Fees, and Payment

●      All fees for coaching programs, courses, workbooks, and eBooks are listed at the time of purchase and are due in full unless a payment plan is expressly offered and agreed to in writing.

●      Payments are processed through our third-party payment processor. By making a purchase, you also agree to that processor's applicable terms.

●      We reserve the right to change our prices at any time. Price changes will not affect orders already placed.

●      You are responsible for any taxes, currency conversion fees, or bank charges associated with your payment.

5. Refunds and Cancellations

Refund and cancellation terms will be stated at the point of sale for each specific product or program (eBook, course, or coaching package). Unless a different policy is expressly stated for a given product at checkout, all sales are considered final once digital content has been accessed or downloaded, or once a coaching session has been delivered. Coaching sessions and appointments may be rescheduled or cancelled in accordance with the scheduling policy provided to you at booking; late cancellations or no-shows may be billed at the full session rate.

6. Scheduling and Appointments

Coaching sessions and consultations are scheduled through our online booking system (currently Calendly). It is your responsibility to attend scheduled sessions on time and to provide accurate contact information so that we can reach you regarding your appointments.

7. SMS / Text Messaging Communications

By providing your mobile phone number and opting in, you consent to receive SMS text messages from Rarified Life for appointment reminders, scheduling confirmations, and related account or program notifications. Message frequency varies based on your scheduled appointments and activity. Message and data rates may apply based on your mobile carrier and plan.

●      Consent to receive SMS messages is not a condition of purchasing any goods or services.

●      You may opt out of SMS messages at any time by replying “STOP” to any message you receive from us, or by contacting us at [email protected]. You may reply “HELP” for assistance.

●      We are not liable for delays or failures in message delivery caused by your mobile carrier or device.

●      Carriers are not liable for delayed or undelivered messages.

For details on how we collect, use, and protect your phone number and other personal information, see our Privacy Policy.

8. Intellectual Property

All content provided as part of the Services — including but not limited to the Preferment® name and methodology, coaching frameworks, workbooks, course materials, videos, written content, and the Rarified Life brand — is the property of Rarified Life and its licensors and is protected by copyright, trademark, and other intellectual property laws. “Preferment®” and associated marks are trademarks of Rarified Life.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use purchased materials for your own personal, non-commercial use. You may not copy, reproduce, distribute, resell, publicly display, or create derivative works from our materials without our prior written consent.

9. User Conduct

When using the Services, you agree not to:

●      Violate any applicable law or regulation;

●      Infringe the intellectual property or other rights of Rarified Life or any third party;

●      Share, resell, or redistribute paid content or program access with individuals who have not purchased it;

●      Record, publish, or distribute coaching sessions or group program content without written permission;

●      Use the Services in a way that is abusive, harassing, or disruptive to Rarified Life staff or other clients.

10. Testimonials and Results

Testimonials, case studies, and client stories referenced in our marketing and program materials reflect individual experiences. Results vary based on individual effort, circumstances, and other factors, and we make no guarantee that you will achieve similar results.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR OUTCOME WILL BE ACHIEVED.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RARIFIED LIFE, ITS FOUNDER, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO RARIFIED LIFE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to indemnify, defend, and hold harmless Rarified Life and its founder, employees, contractors, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

14. Third-Party Services and Links

Our Services may reference or link to third-party tools and platforms (such as payment processors, scheduling tools, or email platforms). We are not responsible for the content, policies, or practices of any third-party service, and your use of those services is governed by their own terms and privacy policies.

15. Termination

We reserve the right to suspend or terminate your access to the Services at our discretion, including for violation of these Terms, without refund of any fees already paid, except as required by law or as expressly stated in our refund policy.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Hawaii, without regard to its conflict-of-laws principles, unless otherwise required by applicable law. Any dispute arising out of or relating to these Terms or the Services shall first be attempted to be resolved informally by contacting us at [email protected]. If a dispute cannot be resolved informally, both parties agree that it shall be resolved through binding arbitration or in the state or federal courts located in Hawaii, as further specified by the Company, and each party waives any right to a jury trial or to participate in a class action to the fullest extent permitted by law.

17. Changes to These Terms

We may update these Terms from time to time. The “Effective Date” at the top of this page will reflect the date of the most recent revision. Continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

18. Contact Us

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

Rarified Life Email: [email protected] Website: www.RarifiedLife.com