Terms and Conditions

Refined Mind Inc.

Effective Date: January 1, 2024

1. Organization Overview

Refined Mind Inc. is a nonprofit public benefit corporation recognized as a 501(c)(3) organization. We provide educational programs, resources, and support services focused on financial literacy, personal development, and community empowerment.

2. Acceptance of Terms

By accessing our website, registering for programs, donating, volunteering, subscribing to communications, or using our services, you agree to these Terms & Conditions. If you do not agree, please discontinue use of our services.

3. Website Use & Cookies

We use required cookies necessary for site functionality and optional cookies for analytics and service improvement. Required cookies do not require consent. Optional cookies may be declined through browser settings.

4. Intellectual Property

All content, materials, logos, and program content are the property of Refined Mind Inc. unless otherwise stated. You may not reproduce, distribute, or reuse content without written permission.

5. User Contributions & Comments

Users may submit comments or content in designated areas. Refined Mind Inc. is not responsible for user-generated content and reserves the right to remove content that violates these Terms or applicable laws.

6. Educational Purpose Disclaimer

All programs, materials, and communications are provided for educational and informational purposes only. Refined Mind Inc. does not provide legal, tax, or financial advice, and participation does not create a professional advisory relationship.

7. Account Registration

When registering for programs or services, you agree to provide accurate information and use services for lawful purposes only. We reserve the right to suspend or terminate access for misuse.

8. Email Communications

By opting in, you may receive email communications such as:

• Educational newsletters

• Program updates

• Class announcements

• Organizational updates

You may unsubscribe from emails at any time using the link provided in each message.

9. SMS Messaging (Informational Only)

By opting in through a web form or registration process, you consent to receive informational text messages from Refined Mind Inc.

These messages may include:

• Account updates

• Program or class reminders

• Service or scheduling notifications

• Support-related communications

SMS messages are not used for promotional, marketing, or fundraising purposes unless separate, explicit consent is obtained.

SMS Terms:

• Message frequency varies

• Message and data rates may apply

• Reply STOP to opt out

• Reply HELP for assistance

• Consent to receive SMS messages is not a condition of purchase or donation

10. Donations

All donations are voluntary and non-refundable unless otherwise required by law. Donation receipts are provided where applicable.

11. Limitation of Liability

Refined Mind Inc. is not liable for indirect, incidental, or consequential damages arising from participation in programs or use of this website, to the fullest extent permitted by law.

12. Modifications

We may update these Terms at any time. Continued use of our services constitutes acceptance of any changes.

13. Contact Information

For questions regarding these Terms:
Email: support@refinedmind.org