Terms of Service

1. ELIGIBILITY

You must be at least 18 years old to purchase or participate in our paid programs and services. By purchasing, you represent that you have the legal capacity to enter into a binding agreement.

2. SERVICES

Ace Consulting Group may offer services including:

• 90-Day PowerShift coaching programs
• Masterclasses
• Group coaching
• Educational programs
• Digital training
• Worksheets, exercises, frameworks, and workbooks
• Recorded training
• Private online communities
• Skool-based program access
• Other coaching or educational services identified at the time of purchase

Specific program features may vary by offer. The checkout page, enrollment page, order form, written proposal, or other purchasing document applicable to your transaction will identify the specific service you are purchasing.

3. PRICING

Prices may vary by program, promotion, cohort, client, enrollment period, payment option, or service package. The price displayed or otherwise agreed to at the time of your purchase is the price applicable to your transaction. We may change future pricing at any time without affecting purchases already completed. Unless otherwise stated, prices are quoted in U.S. dollars.

4. PAYMENT

Payments may be processed through third-party payment providers including Stripe and PayPal. You agree to provide accurate and valid payment information and authorize our payment processor to charge the payment method you provide according to the payment terms presented during enrollment. Your transaction may also be subject to the applicable payment processor’s terms and policies.

5. INSTALLMENT PAYMENT PLANS

Certain programs may offer a three-payment installment option. If you select an installment plan, you are purchasing the entire program, not purchasing three separate monthly portions of the program. By selecting the installment option, you:

• Commit to paying the entire purchase price shown at checkout or enrollment;
• Authorize the payment method you provide to be charged automatically according to the disclosed payment schedule;
• Understand that participation, attendance, or continued use of the program does not determine whether remaining payments are due; and
• Understand that discontinuing participation does not cancel your obligation to make the remaining installment payments.

An installment plan is a payment method for an already-purchased program. It is not a month-to-month subscription that may be canceled simply by ceasing participation. These provisions apply except where a cancellation, refund, withdrawal, or other consumer right is required by applicable law.

6. AUTHORIZATION FOR AUTOMATIC INSTALLMENT CHARGES

By choosing an installment plan, you expressly authorize Ace Consulting Group and its applicable payment processor to automatically charge your payment method on the scheduled installment dates disclosed when you enroll. You are responsible for keeping your payment information current. If your payment method changes, expires, or becomes unavailable, you remain responsible for the unpaid balance.

7. FAILED OR DECLINED PAYMENTS

If a scheduled payment fails or is declined, we or our payment provider may make reasonable additional attempts to process the authorized payment. If your account becomes past due, we may:

• Suspend access to the program;
• Suspend access to Skool or other program platforms;
• Suspend access to recordings, materials, or coaching sessions;
• Require the account to be brought current before restoring access; and
• Take reasonable steps to collect amounts properly owed.

Suspension of access does not eliminate an outstanding payment obligation. Once the account is brought current, access may be restored subject to the applicable program schedule and availability.

8. NO-REFUND POLICY

All sales are final. Except where otherwise expressly stated in writing by Ace Consulting Group or where required by applicable law, payments are non-refundable. This includes:

• Payments for masterclasses
• Payments for the 90-Day PowerShift program
• Deposits
• Pay-in-full purchases
• Installment payments
• Payments made before or after a program begins

Because coaching programs reserve capacity, provide access to proprietary materials and intellectual property, and involve preparation and program resources, choosing not to attend, participate, complete assignments, use the materials, or continue in the program does not create a right to a refund. If you select an installment payment plan and stop participating, your remaining scheduled payments remain due. Nothing in these Terms limits a consumer right that cannot legally be waived under the laws applicable to that consumer.

9. INTERNATIONAL CONSUMERS

We may accept clients located outside the United States. Certain countries provide consumers with mandatory cancellation, withdrawal, refund, jurisdiction, privacy, or other statutory rights. Nothing in these Terms is intended to waive or restrict rights that cannot legally be waived. Where applicable mandatory consumer law conflicts with these Terms, the mandatory law controls only to the extent of that conflict.

10. COACHING AND EDUCATIONAL NATURE OF SERVICES

Our programs are intended for educational, coaching, personal development, and business-development purposes. Ace Consulting Group and Rich Furlanic do not guarantee any particular financial outcome, income level, revenue level, business result, career result, personal transformation, relationship result, performance outcome, or specific achievement. Your results depend on numerous factors outside our control, including your decisions, effort, execution, background, skills, circumstances, market conditions, and other factors. Participation in a coaching program does not create a guarantee of results.

11. YOU ARE RESPONSIBLE FOR YOUR DECISIONS

Coaching and educational information is intended to help participants think, plan, learn, and take action. You remain solely responsible for your decisions, actions, business choices, financial decisions, career decisions, personal decisions, implementation, and results. Nothing provided through our programs constitutes individualized legal, tax, accounting, investment, medical, mental-health, or other regulated professional advice. When appropriate, you should consult a qualified professional in the applicable field.

12. PARTICIPANT RESPONSIBILITY

The value you receive from a program may depend significantly upon your participation. You agree to take reasonable responsibility for attending scheduled sessions when possible, completing exercises you choose to undertake, participating respectfully, making your own decisions, implementing ideas you determine are appropriate, and asking questions when clarification is needed. Failure to participate does not entitle you to a refund or release you from an agreed payment plan.

13. PROGRAM SCHEDULE AND CHANGES

We may reasonably modify session dates, session times, program sequencing, instructors or facilitators, delivery platforms, supporting materials, community structure, and specific exercises or curriculum components. We will make reasonable efforts to provide substantially the program or service purchased. We may reschedule sessions when circumstances reasonably require it.

14. SESSION RECORDINGS

Masterclasses, group coaching calls, training sessions, and other program meetings may be recorded. Recordings may be made available to enrolled participants through Skool or another private program platform. By knowingly participating in a session after being informed that it is being recorded, you acknowledge that your voice, image, name, questions, comments, or contributions may be captured in the recording, subject to applicable law. If you prefer not to appear visually in a recording, you may keep your camera off where appropriate. You should not disclose confidential, private, or sensitive information during a recorded group session that you do not wish other authorised program participants to hear or access. Ace Consulting Group will not knowingly use a participant’s recorded likeness or statements in public advertising in a manner requiring additional permission without first obtaining the legally required permission.

15. INTELLECTUAL PROPERTY

All RichFurlanic.com and PowerShift content is owned by or licensed to Ace Consulting Group unless otherwise stated. This includes, without limitation, the PowerShift program, coaching frameworks, training methods, program structure, videos, audio recordings, masterclass content, presentations, PDFs, worksheets, workbooks, exercises, scripts, graphics, written materials, digital downloads, recorded sessions, website copy, program names, branding, and other proprietary materials. These materials are protected by applicable copyright, trademark, and other intellectual-property laws.

16. LIMITED PERSONAL LICENSE

Your purchase gives you a limited, revocable, non-exclusive, non-transferable licence to use the purchased materials for your own personal or internal business development. Your purchase does not transfer ownership of our intellectual property to you. Unless we provide prior written permission, you may not copy or reproduce program materials for others, distribute or share materials, upload materials to public or private file-sharing services, resell materials, licence materials, publish materials, give another person your program login, record sessions independently where recording is prohibited, republish substantial portions of the program, present our materials as your own, create a competing course or commercial product substantially derived from our proprietary materials, or use our materials to train another coach, consultant, trainer, AI system, machine-learning system, or commercial knowledge product without written permission. Unauthorised copying or commercial use may result in immediate termination of access and pursuit of available legal remedies.

17. SKOOL AND COMMUNITY ACCESS

Certain programs may include access to a private Skool community. Community access is provided as part of the applicable program and may be subject to both these Terms and Skool’s own terms. You agree not to harass or threaten participants, post unlawful or abusive content, spam members, scrape or harvest member information, add members to marketing lists without their permission, send unsolicited commercial solicitations, share another participant’s private information, copy or distribute private community discussions without authorisation, share proprietary materials outside the community, or give other individuals access through your account. We may remove content or suspend or terminate community access for conduct that we reasonably determine materially violates these rules. Termination for misconduct does not automatically create a right to a refund or cancel an outstanding payment obligation.

18. CONFIDENTIALITY IN GROUP PROGRAMS

Group coaching necessarily involves interaction with other participants. Participants are expected to respect the privacy of other members and not intentionally disclose another participant’s personal story, private business information, or confidential information outside the program without permission. However, because participants are independent third parties, Ace Consulting Group cannot guarantee that another participant will maintain confidentiality. You should use appropriate judgment regarding what information you choose to disclose in group settings.

19. THIRD-PARTY SERVICES

Our services may integrate with or link to third-party services including Stripe, PayPal, Calendly, Skool, video conferencing providers, website hosting providers, and other technology providers. We do not own or control these third-party platforms. Your use of third-party services may also be governed by their respective terms and privacy policies. We are not responsible for interruptions, outages, security incidents, policy changes, or acts or omissions of a third-party provider outside our reasonable control.

20. ACCEPTABLE USE OF THE WEBSITE

You may not use RichFurlanic.com to violate applicable law, attempt unauthorised access to systems or accounts, introduce viruses or malicious software, interfere with Website functionality, scrape or systematically extract proprietary Website content, impersonate another person, commit fraud, infringe intellectual-property rights, or engage in unlawful or abusive activity.

21. TERMINATION OR SUSPENSION

We may suspend or terminate access to a program, community, or Website feature where we reasonably determine that a participant has materially violated these Terms, engaged in fraud, failed to make required payments, threatened or harassed participants or staff, misused proprietary materials, shared login information, or materially disrupted the program or community. Where reasonable under the circumstances, we may first provide notice and an opportunity to correct the violation. Termination for a participant’s breach does not automatically entitle the participant to a refund or cancel amounts already owed, except where required by applicable law.

22. WEBSITE AVAILABILITY

We strive to keep our Website and program systems operational but do not guarantee uninterrupted or error-free access. Temporary interruption due to maintenance, hosting outages, internet failures, third-party services, events outside our control, or technical problems does not automatically constitute a breach of these Terms.

23. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, CONTENT, PROGRAMS, MATERIALS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ACE CONSULTING GROUP DISCLAIMS WARRANTIES THAT ARE NOT EXPRESSLY PROVIDED IN WRITING, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY APPLICABLE LAW. WE DO NOT WARRANT THAT PARTICIPATION WILL PRODUCE A PARTICULAR RESULT. Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

24. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACE CONSULTING GROUP AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, COACHES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE, PROGRAM, MATERIALS, OR SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING FROM A PARTICULAR PURCHASE OR SERVICE WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID TO ACE CONSULTING GROUP FOR THE PARTICULAR PROGRAM OR SERVICE GIVING RISE TO THE CLAIM. Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

25. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless Ace Consulting Group and its owners, officers, employees, contractors, and agents from third-party claims, losses, liabilities, damages, and reasonable costs arising from your unlawful use of the Website or services, your material violation of these Terms, your infringement of another person’s rights, or content you knowingly submit or distribute in violation of law. This provision does not require you to indemnify Ace Consulting Group for its own unlawful conduct where such an obligation would be prohibited by law.

26. GOVERNING LAW

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where the mandatory consumer laws of another jurisdiction require otherwise.

27. VENUE AND DISPUTES

Subject to any mandatory consumer rights that apply to you, any lawsuit or judicial proceeding arising from these Terms, the Website, or services purchased from Ace Consulting Group shall be brought in a state or federal court having jurisdiction in or serving Santa Cruz County, California. The parties consent to personal jurisdiction and venue in those courts. Nothing in this provision removes a consumer’s ability to bring a claim in another jurisdiction where applicable law gives the consumer a non-waivable right to do so. Before filing litigation, we encourage you to contact us and make a reasonable good-faith effort to resolve the dispute informally.

28. CHARGEBACKS AND PAYMENT DISPUTES

If you believe a charge was made in error, contact us promptly at [email protected]. We encourage you to allow us a reasonable opportunity to investigate and resolve the issue. Nothing in these Terms limits any lawful right you may have to dispute an unauthorised or improper transaction with your financial institution. However, initiating a chargeback does not automatically cancel a valid contractual payment obligation.

29. FORCE MAJEURE

We will not be responsible for delays or failures caused by circumstances reasonably outside our control, including natural disasters, severe weather, fire, war, government action, widespread internet or technology failures, platform outages, labour disruptions, epidemics, or similar events. We will make reasonable efforts to resume affected services when practical.

30. SEVERABILITY

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be limited or modified to the minimum extent necessary, and the remaining provisions will continue in effect.

31. NO WAIVER

Failure to enforce a provision of these Terms on one occasion does not waive our right to enforce that provision later.

32. ENTIRE AGREEMENT

These Terms, together with the applicable checkout page, order form, enrollment agreement, Privacy Policy, and any program-specific written terms presented at purchase, constitute the agreement between you and Ace Consulting Group concerning the applicable service. If a program-specific written agreement expressly conflicts with these Terms, the more specific written agreement will control for that transaction.

33. CHANGES TO THESE TERMS

We may update these Terms from time to time. Changes will generally apply prospectively. Material changes affecting an existing paid contractual commitment will not retroactively alter the fundamental financial terms of that purchase unless permitted by law or agreed by the parties. The “Last Updated” date at the top of this page identifies the latest revision.

34. ELECTRONIC COMMUNICATIONS

You consent to receive transaction-related electronic communications concerning your purchase, enrollment, appointments, payment status, program access, and administrative matters. This does not automatically enrol you in promotional marketing communications.

35. CONTACT

Questions concerning these Terms may be directed to:

Ace Consulting Group
Email: [email protected]
Website: RichFurlanic.com