HeartCore Business Terms of Use and Program Agreement

1. OUR PROGRAMS

HeartCore Women d/b/a HeartCore Business and/or its affiliates offers educational and informative products, videos and webcasts, chatroom sessions, research reports, eBooks, email communications, live sessions, seminars, and other content on websites and mobile applications owned and operated by us or our affiliates (the Site and these services, content, digital subscriptions, and applications collectively constituting the “Services”). HeartCore offers business coaching, training, and education for entrepreneurs. Our current offerings include, without limitation:

• Live and virtual training events and challenges (for example, Miracle Walk, Revenue Jump, Revenue Challenge, and Movements Made Real), including any VIP upgrades, replays, home-study versions, and intensives;
• Legacy Maker, our group coaching and mentorship program, including trial, installment, and renewal options;
• Crypto/Stock Vault and related educational trainings;
• Pocket Coaching and other audio, video, and digital training content;
• Advisor sessions, VIP Days, Strategy Days, and Coaching Call Days; and
• Online communities connected to a Program (for example, Telegram groups and Skool communities).

The specific content, length ("Term"), schedule, format, and inclusions of each Program are described on the sales page, checkout page, or order form for that Program at the time of purchase (the "Offer Details"). The Offer Details are part of this Agreement. If the Offer Details conflict with this Agreement, the Offer Details control for that Program only.

Legacy Maker and Crypto/Stock Vault access:

• New Legacy Maker purchases made on or after October 25th, 2026, include 60 days of access to the Crypto/Stock Vault and the related Telegram groups, starting on the enrollment date.
• Crypto/Stock Vault renewals give 6 months of access, starting on the renewal date.
• Crypto/Stock Vault and Telegram access ends automatically at the end of the access period unless You renew. Vault access is separate from the length of Your Legacy Maker coaching membership.
• The 10-week Legacy Maker package does not include Crypto/Stock Vault or Telegram access unless You upgrade to the full Legacy Maker program.
• Members who enrolled before September 2026 keep the Vault access period stated in their original offer (for most members, 6 months).
• Standalone Crypto/Stock Vault purchases (made without a Legacy Maker membership) include 6 months of access, starting on the purchase date, unless the offer states otherwise.
• Special terms granted at purchase. If You were granted a different Legacy Maker or Crypto/Stock Vault access period, or other special terms, at the time of Your purchase (for example, a short-term or promotional offer, or terms set out in writing by a HeartCore representative), those terms continue to apply to that purchase as promised. Any later renewal or new purchase is governed by the access periods in effect at that time.

We may update, replace, reschedule, or change the format of Program content, sessions, events, coaches, platforms, or bonuses (including moving an in-person event to a virtual one) at Our discretion, so long as the overall value of the Program is substantially maintained. Such changes do not entitle You to a refund.

2. PAYMENT FOR THE PROGRAM

All sales are final. HeartCore agrees to provide the services described in the Offer Details for the Term stated in the Offer Details. You agree to complete all payments, including any deposit or down payment, regardless of Your level of participation in the Program.

If a payment plan is chosen, the first payment will be processed immediately, and each following payment will be processed every 30 days (or on the schedule shown in the Offer Details) until paid in full. By choosing a payment plan, You authorize Us and Our payment processors to charge Your payment method automatically on each due date.

If You have an outstanding payment, We may process any portion of that past-due payment on any card or payment method on file in Your account until Your account is current.

Payments are processed by third-party payment processors (such as Whop, Shopify, Stripe, and PayPal). Applicable sales tax may be added at checkout based on Your billing address. Buy-now-pay-later and financing options are agreements between You and that provider; Your obligations to the provider are separate from this Agreement.

Occasionally, We will offer rate reductions (i.e., exclusive offers) on Our Programs. If You make a purchase and We offer a discount on the Program in the future, You are not granted a refund of the difference.

3. CANCELLATION OF THE PROGRAM

By purchasing, You agree that all sales are final, and no refunds or modifications will be granted, except as required by law (see the Notice of Cancellation in Section 4, where it applies). You are committed to completing all payments.

If a payment is missed and not corrected within 30 days, Your access to the Program may be revoked, and Your account will be deemed not in good standing. Unresolved accounts may be sent to collections, and no refunds will be given for unused portions.

Before the end of the initial Term, You have the option to renew at the same rate. If You do not renew before Your Term expires, or You drop out and then come back in, You will be subject to any rate increase that has occurred.

Chargebacks. You agree to contact Us at clientcare@heartcorebusiness.com before disputing any charge with Your bank or card issuer. Filing a chargeback or payment dispute for a charge You authorized is a breach of this Agreement. We may suspend Your access to all Programs while a dispute is open and will submit this Agreement and Your purchase and usage records to Your card issuer as evidence.

4. NOTICE OF CANCELLATION

Three-Day Cancellation Notice (Cooling-Off Rule)

All sales are final and non-refundable, except where cancellation rights are required by applicable law. Under the Federal Trade Commission's Cooling-Off Rule, certain qualifying purchases may be canceled within three (3) business days of the transaction without penalty or obligation. This right applies only to transactions covered by the Rule or other applicable state laws and does not establish a general cancellation period for all purchases. Where legally required, HeartCore Business will honor valid cancellation requests submitted within the applicable cancellation period.

YOU MAY CANCEL THIS TRANSACTION, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN 3 BUSINESS DAYS FROM THE DATE OF YOUR SIGNED ORDER FORM.

IF YOU CANCEL, ANY PROPERTY TRADED IN, ANY PAYMENTS MADE BY YOU, AND ANY NEGOTIABLE INSTRUMENT EXECUTED BY YOU UNDER THE CONTRACT OR TRANSACTION WILL BE RETURNED WITHIN 10 BUSINESS DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE, AND ANY SECURITY INTEREST ARISING OUT OF THE TRANSACTION WILL BE CANCELED.

IF YOU CANCEL, YOU MUST MAKE AVAILABLE TO THE SELLER IN SUBSTANTIALLY AS GOOD A CONDITION AS WHEN RECEIVED, ANY GOODS DELIVERED TO YOU UNDER THIS CONTRACT OR TRANSACTION, OR YOU MAY IF YOU WISH, COMPLY WITH THE INSTRUCTIONS OF THE SELLER REGARDING THE RETURN SHIPMENT OF THE GOODS AT THE SELLER'S EXPENSE AND RISK.

IF YOU MAKE THE GOODS AVAILABLE TO THE SELLER AND THE SELLER DOES NOT PICK THEM UP WITHIN 20 DAYS OF THE DATE OF YOUR NOTICE OF CANCELLATION, YOU MAY RETAIN OR DISPOSE OF THE GOODS WITHOUT ANY FURTHER OBLIGATION. IF YOU FAIL TO MAKE THE GOODS AVAILABLE TO THE SELLER, OR IF YOU AGREE TO RETURN THE GOODS TO THE SELLER AND FAIL TO DO SO, THEN YOU REMAIN LIABLE FOR PERFORMANCE OF ALL OBLIGATIONS UNDER THE CONTRACT.

TO CANCEL THIS TRANSACTION, MAIL OR DELIVER A SIGNED AND DATED COPY OF THIS CANCELLATION NOTICE OR ANY OTHER WRITTEN NOTICE TO:

NOT LATER THAN MIDNIGHT OF THREE BUSINESS DAYS AFTER THE DATE OF TRANSACTION.

I HEREBY CANCEL THIS TRANSACTION.

(Date) Buyer's Name or Signature

Importantly, the three-day period provided for in this section does not begin until the consumer is furnished a "Notice of Cancellation" and the address at which the seller can be given notice. If those conditions are met and the consumer cancels on time, the seller must return to the consumer the full amount of any payment made or consideration given under the contract or for the merchandise.

5. VIP DAYS, STRATEGY DAYS, AND PRIVATE SESSIONS

All VIP Days, Strategy Days, Coaching Call Days, and private coaching sessions are non-refundable. Once payment is made, it secures Your participation on the agreed dates and times and compensates Us for resources set aside for You. Rescheduling is at Our discretion and subject to availability.

6. ACCESS, ACCOUNTS, AND REPLAYS

Your access is personal to You. You may not share Your login, links, replays, or community invitations with anyone else. We may end access without refund if We find that access has been shared.

Program access lasts for the Term stated in the Offer Details. Where no Term is stated, replays and digital materials are available for as long as We choose to keep them available, and We may retire them with reasonable notice. "Lifetime access" means for the life of the Program as We offer it.

You are responsible for keeping Your account secure and for all activity under Your account. Tell Us right away if You believe Your account has been used without Your permission.

7. COMMUNITY GUIDELINES

Many Programs include access to an online community (for example, Facebook, Telegram or Skool) or live calls. In these spaces, You agree to:

• Treat other members, coaches, and staff with respect; no harassment, hate speech, or discrimination;
• Not solicit, recruit, or sell to other members without Our written permission;
• Not post spam, affiliate links, or unlawful content;
• Keep what other members share confidential; and
• Not record, screenshot, or repost community content or live calls without permission.

We may remove content and suspend or end Your community or Program access, without refund, if You break these guidelines.

You remain responsible for anything You post ("Content"). By posting, You confirm You have the right to share it and grant HeartCore a non-exclusive, royalty-free, worldwide license to use, display, and reproduce that Content in connection with the Program.

8. RECORDINGS, LIKENESS, AND TESTIMONIALS

Live events, classes, and group calls may be recorded. By attending, You consent to being recorded and grant HeartCore the right to use Your name, image, voice, likeness, comments, and testimonials from the Program (excluding private one-on-one coaching sessions), royalty-free, for advertising, marketing, training, documentary, or any other lawful purpose. If You do not want to appear, turn off Your camera and use a display name other than Your full name.

9. INTELLECTUAL PROPERTY

All Program materials, including videos, audio, workbooks, templates, scripts, frameworks, and the HeartCore and Shanda Sumpter names and marks, are owned by HeartCore or its licensors and are protected by copyright and trademark law. You receive a limited, non-transferable, revocable license to use the materials for Your own business. You may not copy, resell, redistribute, publish, or teach Our materials, or use them to create a competing product, without Our written permission.

10. EARNINGS DISCLAIMER — NO GUARANTEE OF RESULTS

We do not promise or guarantee any particular result, income, or outcome. Any results, income figures, or testimonials We share are examples from individual clients. They are not typical, and they are not a promise that You will get the same or any result. Your results depend on Your own effort, experience, skills, market, and many factors outside Our control. Starting or growing any business involves risk, including the risk of losing money.

11. NOT FINANCIAL, INVESTMENT, LEGAL, TAX, OR MEDICAL ADVICE

Our Programs are for educational purposes only.

Crypto/Stock Vault and any content about cryptocurrency, stocks, options, or other investments is general education. It is not investment, financial, or trading advice, and it is not a recommendation to buy or sell any security or asset. HeartCore and its coaches are not registered investment advisers or broker-dealers. Trading and investing involve substantial risk, including loss of Your entire investment. Past performance does not guarantee future results. Consult a licensed financial professional before making investment decisions.

Nothing in Our Programs is legal, tax, accounting, medical, or mental-health advice. Content about mindset, faith, wellbeing, or personal growth is not a substitute for professional care.

12. TEXT MESSAGES AND EMAIL

If You give Us Your phone number, You agree to receive informational and marketing text messages from HeartCore, including automated messages, at that number. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. You may unsubscribe from marketing emails using the link in any email. We may still send transactional messages about Your purchases and Program access.

13. PRIVACY

Your use of the Websites and Programs is also governed by Our Privacy Policy, which explains how We collect and use Your information.

14. THIRD-PARTY PLATFORMS AND LINKS

Our Programs use third-party platforms (such as Zoom, Telegram, Skool, Vimeo, and Our payment processors). Your use of those platforms is subject to their own terms. We are not responsible for their availability, content, or practices, or for any third-party websites We link to.

15. DISCLAIMER OF WARRANTIES

The Websites and Programs are provided "as is" and "as available." To the fullest extent permitted by law, HeartCore disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Websites will be uninterrupted, error-free, or free of viruses.

16. LIMITATION OF LIABILITY

To the fullest extent permitted by law, HeartCore, its owners, employees, coaches, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any lost profits, revenue, or data, arising from Your use of the Websites or any Program. HeartCore's total liability for any claim will not exceed the amount You paid to HeartCore for the Program giving rise to the claim in the 12 months before the claim arose.

17. INDEMNIFICATION

You agree to indemnify and hold harmless HeartCore, its owners, employees, coaches, and contractors from any claims, losses, and expenses, including reasonable attorneys' fees, arising from Your use of the Websites or Programs, Your Content, or Your violation of this Agreement.

18. TERMINATION

We may suspend or terminate Your access to the Websites or any Program at any time if You violate this Agreement, fail to pay, or behave in a way We reasonably believe harms Our community, staff, or business. If We terminate for these reasons, no refund will be given, and any remaining payments remain due.

19. DISPUTE RESOLUTION AND BINDING ARBITRATION

You agree to first attempt to resolve any dispute with HeartCore informally by sending a written description of the dispute to the address provided in Section 4 or via email to clientcare@heartcorebusiness.com. If the parties are unable to resolve the dispute within fifteen (15) days of such notice, any remaining claim or dispute shall be settled by final, binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its applicable rules (www.adr.org), before a single arbitrator.

Arbitration will be conducted on an individual basis only. You expressly waive any right to a jury trial and agree to waive any right to participate in a class action, class arbitration, or representative action against HeartCore. Arbitration shall take place in San Diego County, California, or may be conducted virtually via video conference by mutual agreement of the parties. Notwithstanding the foregoing, either party may bring an individual claim in small claims court instead of arbitration.

This agreement shall be governed by the laws of the State of California. If any part of this section is found to be unenforceable, the remainder of this section shall remain in full force and effect.

20. GOVERNING LAW

This Agreement is governed by the laws of the State of California, without regard to its conflict-of-laws rules.

21. GENERAL

This Agreement, together with the Offer Details and Our Privacy Policy, is the entire agreement between You and HeartCore about its subject matter and replaces any earlier version. If any part is found unenforceable, it will be limited or severed and the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign this Agreement; We may assign it to a successor. Neither party is liable for delays caused by events beyond its reasonable control.

We may update this Agreement from time to time by posting the new version on this page with a new "Last Updated" date. The version in effect on the date of Your purchase governs that purchase. Continued use of the Websites after an update means You accept it.

22. CONTACT