1. Acceptance
By creating an account, submitting a form, or using the Service, you agree to these Terms.
2. Your account
- Keep your credentials secure
- One account per person
- You must be at least 13 (US) / 16 (EU)
- Notify us at security@valuetovictory.com if you suspect unauthorized access
3. Subscriptions, payment & refunds
- Auto-renews monthly unless canceled before renewal — cancel anytime
- Payments via Stripe — we don't store card numbers
- 14-day grace on failed payment · then read-only · then deletion per retention
- Refunds: Coaching ($497/mo) is non-refundable mid-month; cancel to stop future charges. Books and audiobooks are non-refundable once accessed. Annual subscriptions are refundable within 7 days of billing.
4. Acceptable use
Don't: use for unlawful purposes · reverse-engineer · upload malicious content · scrape en masse · spam · impersonate.
5. Your content
You retain ownership of content you upload. We get a limited license to store and serve it.
6. Privacy
How we handle your data is in our Privacy Notice.
7. Termination
You can cancel anytime. We may terminate for material violations.
8. Disclaimers
The Service is provided "as is" and "as available." Coaching is not therapy or licensed mental-health treatment.
9. Liability
To the max extent permitted by law, our liability is limited to the greater of $100 or the amount you paid us in the 12 months before the claim.
10. Indemnification
You agree to indemnify and hold harmless Shawn E. Decker, Value to Victory, and affiliates from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the Service, your content, or your violation of these Terms.
11. Governing law & venue
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-laws principles. Exclusive venue for any non-arbitrable disputes is the state or federal courts located in Roanoke, Virginia.
12. Arbitration & class-action waiver
Any dispute shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive any right to participate in a class action, class arbitration, or representative proceeding. If this waiver is unenforceable, the unenforceable portion shall be severed and the remainder of this section shall remain in force.
13. Changes
Material changes get 30 days' email notice.
14. Contact
Email: valuetovictory@gmail.com