Terms of service

Terms of Service

Effective date: August 21, 2026

These Terms of Service govern your access to and use of the Divine Wealth Collective website, online store, products, services, content, and digital resources.

Throughout these Terms, “Divine Wealth Collective,” “we,” “us,” and “our” refer to Divine Wealth Collective. “You” and “your” refer to the customer, visitor, purchaser, or user of our website, products, or services.

By visiting our website, creating an account, placing an order, downloading a product, or otherwise using our services, you agree to these Terms of Service and all policies incorporated by reference.

If you do not agree to these Terms, do not use the website or purchase our products.

1. Online Store Terms

You must be at least 18 years old or the age of legal majority in your jurisdiction to make a purchase. A parent or legal guardian may purchase a product for a minor and is responsible for supervising its use.

You agree to provide current, complete, and accurate purchase and account information. You are responsible for maintaining the confidentiality of your account credentials and for activity occurring through your account.

You may not use our website, products, or services for unlawful, fraudulent, abusive, or unauthorized purposes.

2. Products and Services

Divine Wealth Collective offers products and services that may include:

• Ebooks and digital guides
• Workbooks and journals
• Digital planners and templates
• Printable resources and affirmation cards
• Audio programs and guided meditations
• Digital bundles and collections
• Educational and personal-development materials
• Online programs, courses, or coaching resources
• Physical books and branded merchandise

Product descriptions, formats, contents, prices, availability, and features may change without notice.

We make reasonable efforts to display product information accurately. However, colors, images, layouts, and other visual details may appear differently depending on your screen, device, software, or printer.

3. Digital Delivery

Digital products are generally delivered through a download link sent to the email address used at checkout.

You are responsible for:

• Entering a valid email address
• Checking spam and promotions folders
• Downloading and safely storing your files
• Using compatible software and devices
• Maintaining personal backup copies

Delivery is considered complete when the download email or access link is successfully sent to the email address provided at checkout.

If you experience a delivery problem, contact us through the Contact page and include your order number and checkout email.

4. Personal-Use License

Purchasing a digital product gives you a limited, nonexclusive, nontransferable, revocable license to use that product for your personal, noncommercial purposes.

Your purchase does not transfer ownership of the product or its intellectual property.

Unless we provide written permission, you may not:

• Copy or reproduce a product for distribution
• Share files, links, passwords, or access credentials
• Resell, sublicense, rent, or redistribute a product
• Upload a product to a public website, shared drive, marketplace, membership platform, or file-sharing service
• Remove copyright notices, branding, watermarks, or ownership information
• Modify a product and claim it as your own
• Use our content to create competing products
• Use our content for commercial coaching, training, client services, or group programs
• Scrape, extract, or compile our content into a database
• Use our content to train, develop, or supply datasets to an artificial-intelligence system without written authorization

Each purchase is licensed to one customer unless the product description expressly provides a different license.

5. Intellectual Property

All website content and products—including text, designs, graphics, logos, brand elements, photographs, audio, video, templates, downloads, product names, and written materials—are owned by or licensed to Divine Wealth Collective and are protected by applicable intellectual-property laws.

“Divine Wealth Collective,” associated logos, collection names, product branding, and original content may not be used without prior written permission.

Unauthorized use may result in termination of access and legal action.

6. Educational and Professional Disclaimer

Divine Wealth Collective provides educational, inspirational, and personal-development resources.

Our content does not constitute:

• Financial or investment advice
• Legal advice
• Tax or accounting advice
• Medical or mental-health advice
• Therapy, diagnosis, or treatment
• Credit-repair services
• A guarantee of income, wealth, business success, healing, or personal results

You are responsible for your own decisions and outcomes. Consult an appropriately licensed professional before making financial, legal, tax, medical, psychological, or business decisions.

7. No Guaranteed Results

Individual results vary based on personal circumstances, effort, experience, resources, decisions, and other factors beyond our control.

Testimonials, examples, stories, projections, and descriptions of possible outcomes are illustrative only. They do not guarantee that you will achieve the same or similar results.

8. Orders and Acceptance

Submitting an order does not guarantee acceptance. We reserve the right to decline, limit, or cancel an order when reasonably necessary, including in cases involving:

• Suspected fraud or unauthorized payment
• Incorrect pricing or product information
• Technical or inventory errors
• Abuse of promotions or discount codes
• Suspected resale or prohibited commercial use
• Violation of these Terms

If we cancel a paid order before fulfillment, we will issue the appropriate refund to the original payment method.

9. Prices and Payments

Prices are displayed in the currency shown at checkout and may change without notice.

You agree to pay all charges associated with your order, including applicable taxes, shipping charges, and other disclosed fees.

Payments are processed through Shopify and other authorized payment providers. We do not control a payment provider’s independent processing times, security procedures, or account decisions.

Discount codes cannot be combined unless expressly stated. Promotions may have separate restrictions, expiration dates, or eligibility requirements.

10. Returns, Refunds, and Cancellations

All purchases are subject to our Returns and Refund Policy, which is incorporated into these Terms.

Digital products are generally final sale after delivery, subject to the exceptions stated in that policy and any mandatory rights provided by applicable law.

Physical-product return eligibility, timeframes, and shipping responsibilities are also governed by our Returns and Refund Policy.

11. Physical Products and Shipping

Shipping estimates are not guaranteed delivery dates. Delivery may be affected by carrier delays, weather, supply availability, address errors, customs processing, or events outside our reasonable control.

You are responsible for providing a complete and accurate delivery address.

If we cannot ship merchandise within the promised timeframe, we will provide any delay notice, cancellation opportunity, or refund required by applicable law.

Risk of loss transfers as provided by applicable law and the selected shipping method.

12. Accuracy of Information

Website information may occasionally contain typographical errors, inaccuracies, or omissions involving product descriptions, pricing, promotions, availability, shipping, or other details.

We reserve the right to correct errors and update information. If an error materially affects an order already placed, we will provide an appropriate correction, cancellation option, or refund where required.

13. Prohibited Conduct

You may not:

• Violate applicable laws or regulations
• Infringe intellectual-property or privacy rights
• Submit false, misleading, or fraudulent information
• Introduce malware, viruses, or harmful code
• Attempt unauthorized access to the website or another user’s account
• Interfere with website security or operation
• Scrape, crawl, harvest, or automatically extract website content
• Harass, threaten, abuse, or discriminate against another person
• Use our services to distribute spam or malicious content
• Circumvent product-access, download, or security restrictions
• Use our products in a deceptive, harmful, or unlawful manner

We may suspend or terminate access for violations of these Terms.

14. Customer Content and Communications

If you submit a review, testimonial, comment, image, suggestion, or other content, you represent that you have the right to submit it and that it does not violate another person’s rights.

You retain ownership of your original content. Unless otherwise agreed, you grant Divine Wealth Collective a nonexclusive, worldwide, royalty-free license to display and use voluntarily submitted reviews or feedback for operating and promoting the business.

We will not publicly use private customer-support communications as testimonials without permission.

15. Third-Party Services and Links

Our store may use or link to services operated by third parties, including Shopify, payment processors, delivery applications, social-media platforms, and other service providers.

Third-party services are governed by their own terms and privacy practices. We are not responsible for the content, availability, security, or conduct of unaffiliated third-party services.

Your use of a third-party service is at your own discretion and risk.

16. Privacy

Our collection and use of personal information are governed by our Privacy Policy.

Available privacy controls may include cookie preferences and a data-sharing opt-out page. The options available to you may depend on your location and applicable law.

17. Disclaimer of Warranties

To the fullest extent permitted by law, the website, products, and services are provided “as is” and “as available.”

We do not warrant that:

• The website will always be uninterrupted, secure, or error-free
• Every file will work with every device or software program
• Information will always be complete or current
• Products will produce a particular personal, financial, business, or relationship outcome

Nothing in this section excludes warranties that cannot legally be excluded.

18. Limitation of Liability

To the fullest extent permitted by law, Divine Wealth Collective will not be liable for indirect, incidental, special, punitive, or consequential losses arising from your use of—or inability to use—the website, products, or services.

Where liability cannot be excluded, our total liability relating to a purchase will not exceed the amount you paid for the product or service giving rise to the claim, except where applicable law requires otherwise.

This limitation does not apply to liability that cannot legally be limited or excluded.

19. Indemnification

To the extent permitted by law, you agree to indemnify and hold Divine Wealth Collective harmless from third-party claims, losses, liabilities, and reasonable expenses arising from your unlawful conduct, violation of these Terms, misuse of our products, or infringement of another person’s rights.

20. Termination

We may suspend or terminate your access if you violate these Terms, misuse our products, engage in fraud, or threaten the security or operation of the website.

Provisions concerning payment obligations, intellectual property, licensing, disclaimers, limitations of liability, and dispute resolution survive termination.

21. Governing Law

These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-law principles.

Any dispute that is not resolved informally will be brought in a court of competent jurisdiction in Texas, unless applicable consumer law requires a different location or process.

22. Changes to These Terms

We may revise these Terms to reflect changes in our business, products, technology, or legal obligations.

The updated version will be posted on this page with a revised effective date. Your continued use of the website after an update constitutes acceptance to the extent permitted by law.

23. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect. The unenforceable provision will be interpreted or modified only to the extent necessary to make it enforceable.

24. Entire Agreement

These Terms, together with our Privacy Policy, Returns and Refund Policy, Shipping Policy, and other policies displayed on the website, constitute the agreement governing your use of the store and its products.

25. Contact Information

Questions about these Terms may be submitted through:

divinewealthcollective.com/pages/contact

Please include your name, email address, order number when applicable, and a clear description of your request.