Healthy Lifestyle &

Passive Income Expert


Terms and Conditions Index

  5. COURSE(S)


Acknowledgement of Terms. Each party acknowledges that they:

  • have read this agreement,
  • understand the terms of this agreement,
  • have had the opportunity to consult[ and has consulted] with independent legal counsel in connection with this agreement, and
  • have signed this agreement [if required] voluntarily.

By accessing, downloading, installing, or using product(s) or services from Kathy Binner AKA Kathy Binner International Academy, whether or not you become a registered user (“User”, “You”, “Yourself”, “Your”), You agree to be bound by these terms, which You acknowledge that You have read and understand the terms.

We reserve the right to change, modify or otherwise alter these terms at any time. You must review these terms on a regular basis to keep yourself educated about any changes.


Kathy Binner AKA Kathy Binner International Academy makes every effort to ensure that we accurately represent these products and services and their potential for income. Earning and/or income statements made by our Company and/or Independent Representatives are estimates of what you can possibly earn. There is no guarantee that you will make these levels of income and you accept the risk that the earnings and income statements differ by individual. The examples are not to be interpreted as any guarantee, promise, representation and/or assurance. We do not purport our business and/or us as being a 'get rich scheme'.

As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees, promises, representations and/or assurances concerning the level of success you may experience. Your level of success in attaining the results claimed depends on the time you devote to the business, the ideas and techniques mentioned, your finances, knowledge and various skills, since such skills and factors differ according to individuals. 

Testimonials and examples used are exceptional results, which do not, or may not, apply to the average person, and are not intended to guarantee, promise, represent and/or assure that anyone will achieve the same or similar results. We reiterate that each individual’s success depends on his or her background, dedication, desire and motivation.

There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business and on the Internet that we cannot foresee, which can reduce results. We are not responsible for your actions. Any claims made of actual earnings or examples of actual results can be verified upon request.

The use of our information, products and/or services should be based on your own due diligence, which you undertake and confirm that you have carried out to your entire satisfaction. You agree that our company is not liable for any success or failure of your business, acts and/or conduct that is directly or indirectly related to the business and/or the purchase and use of our information, products and/or services.


3.1 Physical Returns & Shipping

• 100% money back guarantee covers price of product(s) or services only. 100% money back guarantee does not cover shipping convenience fee or handling fee due to the fact that the customer made the decision to try the product(s) or services, therefore the customer accepts to pay these fees.

• Once a return is received or valid refund request is made, the refund process will take 30 days or less. All refunds will be returned to the original credit card or mailed via USPS by check. International orders will be refunded to the original credit card, and PayPal orders will be credited back to the original PayPal account.

• You have THIRTY (30) Days from the date of the original purchase to return the product(s) or cancel the services in order to receive your refund. Any request to return or cancel received after the 30 day time limit will not be accepted and processed.

• To ensure that your returned product(s) is not lost or damaged, we require you send the product(s) by  certified mail in order to obtain a tracking number. We cannot guarantee a refund without a tracking number.

3.2 Subscriptions, Trials and Digital Products

Monthly membership programs, which may or may not start with a free trial, will continue month-to-month until you cancel your membership or have proof of termination. You must have internet access and provide us with a current, valid, accepted method of payment in order to use the program. We will bill the monthly membership fee to the payment method used when signing up unless updated or changed by subscriber. You must cancel your membership with a 30 day notice to avoid billing of the next month’s membership fees to your payment method.

Trial Subscriptions: Your monthly membership may or may not start with a trial. Any trial period of your membership lasts as long as is specified during sign-up. For combinations with other offers, restrictions may apply. Trials are for new and certain former members only. Kathy Binner AKA Kathy Binner International Academy reserves the right, in its absolute discretion, to determine your trial eligibility.

Monthly Subscriptions: You have 30 days from the date of the original purchase to request a refund for your monthly subscription. Any refund request after the 30 day time limit will not be accepted. You may cancel the subscription at any time after the initial 30 days has passed to prevent future billings.

Yearly Subscriptions: For yearly subscription purchases, you have 30 days from the date of the original purchase to request a refund for your subscription. 


Trial members will  be billed after the trial period ends. We will continue to bill your Payment Method on a monthly basis for your membership fee until you request to cancel with a 30 day notice. To cancel your subscription send your request to [email protected]

Monthly subscriptions automatically renew each month at the stated price until the subscription buyer notifies [email protected] that they wish to cancel with a 30 day notice. 

Yearly will be notified via email prior to renewal with the option to renew. If the subscriber does NOT notify [email protected] that they wish to continue at the yearly price, the subscribers account will expire.


We want you to be satisfied, so all courses purchased  can be refunded within 30 days. For whatever reason, if you are unhappy with a course, you can request a refund. Most refunds are returned via the original payment method. Please note that certain restrictions may apply and some purchases may only be eligible for credit refunds. For more information, please see below.

You can quickly request a refund by contacting [email protected]

iOS payments: since iOS payments are processed through Apple and not Kathy Binner AKA Kathy Binner International Academy, we are unable to offer cash refunds for in-app purchases made in the Apple App Store. We offer credit refunds for eligible purchases. 

Bank & cash transfer purchases: certain bank and cash transfer methods are only eligible for credit refunds.

Boleto Bancário purchases: courses purchased through Boleto Bancário are only eligible for credit refunds.

Alfamart or Indomaret purchases: course purchases that are finalized at Alfamart and Indomaret are only eligible for credit refunds.

Refunds for Bundles Purchased Through Third Party: If you purchased the course through a third party vendor, unfortunately, we cannot process your refund. Since we did not process the original payment, we do not have the transaction on file, and cannot initiate a refund for you. Please contact the third-party vendor directly to request a refund.

Reasons for Denied Refunds: While our 30-day refund policy is in place to protect clients, we must also protect our coaches and  instructors from fraud and provide them a reasonable payment schedule. Payments are sent to coaches and  instructors after 30 days, so we will not process refund requests received after the refund window.

If all website or course content was downloaded before the refund was requested, the refund request may be rejected. Finally, clients who purchase and refund multiple courses over an extended period may be subject to suspension for abuse of the refund policy.


The events, information, and speakers listed on our Sites are subject to change without notification.

Tickets cannot be transferred without prior written approval by Kathy Binner AKA Kathy Binner International Academy.

Event Cancellation & Refund Policy:  We reserve the right to refuse/cancel registrations. If we refuse a registration, registrants will be offered a refund.

Event Cancellation by Kathy Binner AKA Kathy Binner International Academy: We reserve the right to cancel an event due to low enrollment, inclement weather or other circumstances which would make the event non-viable. If we cancel an event, registrants will be offered a full refund. Should circumstances arise that result in the postponement of an event, registrants will have the option to either receive a full refund or transfer registration to the same event at the new, future date.

Registration Cancellation by Participant: Unless specifically stated on registration materials, the deadline to receive a refund for an individual ticket is three business days (72 hours) before the event.

The deadline to receive a refund for group purchases/tables is (7) seven business days before the event. 

Cancellations received after the stated deadline will not be eligible for a refund. Refunds will not be available for registrants who choose not to attend an event. Cancellations will be accepted in writing only and must be received by the stated cancellation deadline. All refund requests must be made by the attendee or credit card holder. Refund requests must include the name of the attendee and/or transaction number. Refunds will be issued by check or refunded to the original payment option.

Late Registration: Unless specifically stated on registration materials, on-site registrants are subject to an additional administrative fee.


Kathy Binner AKA Kathy Binner International Academy is not responsible for any problems or technical malfunction of any network or lines, computer online systems, servers, or providers, computer equipment, software, failure of any e-mail or redemption to be received, on account of technical problems or traffic congestion online or on the Internet or at any Web site, or any combination thereof including any injury or damage to customer’s or any other person’s computer related to or resulting from downloading or streaming any materials consistent with this agreement or subsequent use of any Kathy Binner AKA Kathy Binner International Academy owned web properties. 

If, for any reason, the stream is not capable of running online as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Kathy Binner AKA Kathy Binner International Academy which threatens or corrupts or adversely affects the administration, security, fairness, integrity or proper conduct of a live stream offer, Kathy Binner AKA Kathy Binner International Academy, reserves the right, in its sole discretion, to cancel, terminate or suspend the offer and/or any subscription. 

Any attempt by you to deliberately damage any web site or undermine the legitimate operation of this or any of these offers, may be a violation of criminal and civil laws and should such an attempt be made, Kathy Binner AKA Kathy Binner International Academy reserves the right to seek damages from you to the fullest extent permitted by law.


You agree to provide accurate and complete information when you register with, and as you use, the Kathy Binner AKA Kathy Binner International Academy product(s) and services, and you agree to update your account information to keep it accurate and complete. You agree that Kathy Binner AKA Kathy Binner International Academy may store and use the information you provide for use in maintaining and billing fees to your Account.


Individuals from all races, cultures and backgrounds are welcome here. We have tribe members of all skill and experience levels. We want people to feel safe when using our groups and forums. For that reason, we’ve developed a set of tribe guidelines, outlined below. These policies will help you understand what type of sharing is allowed on our social pages and  in our private groups and communities, and what type of content may be reported to us and removed. Because of the diversity of our global tribe, please keep in mind that something that may be disagreeable or disturbing to you may not violate our community guidelines.

Keep it respectful: Comments that are inappropriately negative, rude, or attacking will be deleted, removed, or we will ask you to revise your thoughts. Everyone is here to learn and grow, so anything violating that will be removed.

No pitching to the group: We have a strict ‘no shopping for customers’ policy in our groups. This includes pointing people to blog posts with your offers/affiliate offers and publicly asking members to join your own Facebook pages, groups or communities. Be cautious of unsolicited private messages to group members. If we get multiple complaints that you or someone else is using private messages to make unsolicited pitches to members, you may be removed. You should view the group as your peers, not your leads.

No gated content: Content posted in the groups cannot be used to harvest leads in any way. If you need a feedback or a review, post the direct PDF, document, or screenshot. Don’t require people to opt-in to view.

Respect confidentiality: Content gathered in our online social media pages, groups or communities cannot be collected, repackaged, and/or shared outside the group. Every member has a right to privacy and the right to feel safe that his or her questions, answers, and experiences remain private to tribe members only.

Keep it on topic: We reserve the right to remove posts based on off-topic content or offensive content.

Partnering with other members: Access to this group does not mean that Kathy Binner AKA Kathy Binner International Academy endorses anyone’s product(s) or services. Please be cautious and do your due diligence when partnering with anyone in the group – don’t assume everyone is trustworthy. 

Report posts that are breaking group policies: Due to the large amount of people in our pages, groups and communities, it’s sometimes difficult for us to monitor everything. If you see a post that is questionable, please report it, tag our tribe manager in the comments, or reach out to our tribe manager directly via private message so our team can review the post.


Copyright & Trademarks: All rights reserved. All content (texts, trademarks, illustrations, photos, graphics, files, designs, arrangements etc.) on this website of the Kathy Binner AKA Kathy Binner International Academy are protected by copyright and other protective laws. The contents of this website are to be used only in accordance with Internet regulations. 

Internet regulations: Without the explicit written permission of the Kathy Binner AKA Kathy Binner International Academy it is prohibited to integrate in whole, or in part, any of the protected contents published on these websites into other programs or other web sites or to use them by any other means. This website can contain elements that are protected by copyright and by other laws that are subject to the copyright or other rights of third parties and that are correspondingly protected for these third parties.

Liability: Kathy Binner AKA Kathy Binner International Academy has carefully compiled the contents of this website in accordance with their current state of knowledge. Access to and use of this website, as well as web sites related or connected to this by links, are at the user's own risk and responsibility. Damage and warranty claims arising from missing or incorrect data are excluded. The Damen Shipyards Group bears no responsibility or liability for damage of any kind, also for indirect or consequential damages resulting from access to or use of this website or websites related or connected to this by links.

Links to other websites: Kathy Binner AKA Kathy Binner International Academy website can contain links (cross references) to websites that are run by third parties. Kathy Binner AKA Kathy Binner International Academy takes no responsibility for the content of these other websites.


• Personal checks may be held 10 business days. Orders placed with a personal check may be held for 10 business days. Once 10 business days is complete, the order will be processed.

• All returned checks will be charged a $25 USD return check fee.

• Counter checks will not be accepted.

• Checks and money orders must be sent in US funds.


If you have questions or comments regarding Kathy Binner AKA Kathy Binner International Academy products, please email us at [email protected]