Legal

1. Information we collect

Information you provide. Depending on your interaction, we collect your name, email address, telephone number, billing or shipping address, business name, account information, purchases, preferences, questions, survey responses, and other information you choose to submit. Please do not submit passwords, government identification numbers, or confidential legal files through general contact forms.

Orders and payments. When you purchase an offering, we collect transaction and fulfillment information, such as the item purchased, price, payment status, and billing details. Payment providers process payment credentials under their own privacy and security terms. The information available to us depends on the payment method and provider.

Participation and communications. We may collect course progress, attendance, support messages, community posts, and coaching intake information. If a session is recorded, the recording may include your name, image, voice, chat messages, and contributions. We provide notice before recording and obtain consent when required. Promotional use of identifiable contributions requires a separate permission where applicable.

Automatically collected information. Our systems and service providers may collect IP address, browser and device details, approximate location derived from IP address, referring pages, pages viewed, interaction timestamps, and diagnostic or security logs. Cookies and similar technologies are addressed in Section 4.

Other sources. We may receive information from payment and event platforms, service providers, referral partners, and public business sources, consistent with applicable law. This may include contact details, registration information, transaction status, and referral attribution.

2. How we use personal information

We use information to deliver purchases and educational content; administer accounts, registrations, coaching, and events; process payments and address refunds; answer questions; communicate about orders or service changes; improve our offerings; measure usage; detect fraud and protect systems; keep business records; and comply with legal obligations.

We may send promotional communications or measure and personalize marketing, subject to your choices and applicable consent requirements. We request permission before publishing an identifiable testimonial. We do not treat acceptance of general website terms as consent to processing that legally requires separate consent.

3. When we disclose information

Service providers. We disclose relevant contact, account, transaction, participation, communications, and technical information to providers supporting hosting, payments, email, customer support, analytics, course delivery, event administration, and other business functions. Access should be limited to the functions performed for us and subject to appropriate contractual restrictions.

Marketing and advertising providers. We use analytics and advertising technologies that disclose device identifiers, IP addresses, usage information, and interaction data to their providers for measurement and targeted advertising. These disclosures may constitute a "sale" or "sharing" under privacy laws even when no money changes hands. See Section 4 for choices.

At your direction. Information you post in a community or group session may be visible to other participants. We may disclose information to a partner or other recipient when you request or authorize it. Avoid sharing information you would not want other participants to see or retain.

Legal and business purposes. We may disclose relevant information to legal, accounting, and other professional advisers; to comply with lawful process; to protect rights and safety; or in connection with a merger, financing, reorganization, or sale of business assets, subject to applicable safeguards.

4. Cookies, analytics, and advertising choices

We use cookies, advertising pixels, and similar tools for site operation, analytics, and advertising, and may use local storage and preference tools. Third-party tools, including embedded media, may collect information about activities over time and across websites. Available features and enabled tools determine the actual collection.

You can manage cookies through your browser and any privacy controls presented on the site. Blocking cookies may affect functionality. Where consent is required for nonessential tracking, those technologies should operate only after you consent. You may withdraw consent through the available controls or contact us for assistance.

To request an opt-out of sale, sharing, or targeted advertising, email info@shatterproofnow.com with "Privacy Opt-Out" in the subject line. Where applicable law requires, we honor recognized universal opt-out signals, including Global Privacy Control. Traditional Do Not Track signals do not have the same effect and are not separately acted on. Cookie deletion or a different device may require you to renew device-specific choices.

5. Retention and security

We retain personal information for as long as reasonably necessary for the purposes described in this Policy, including fulfilling purchases, maintaining requested access, resolving disputes, and meeting tax, accounting, security, and legal requirements. Retention depends on the type and sensitivity of information, our relationship with you, legal obligations, and legitimate business needs. No single retention period applies to all records.

When information is no longer needed, we delete it, deidentify it, or securely restrict its use until deletion is feasible, including for backups. Where we rely on legally deidentified information, we maintain it in deidentified form and do not attempt to reidentify it except as permitted by law.

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No system or transmission method is completely secure. Please protect your account credentials and contact us promptly if you suspect unauthorized access.

6. Your choices and privacy rights

Marketing. You may unsubscribe from promotional emails using the link in the message or by emailing us. We may still send necessary transactional or service messages. If we offer text messaging, the applicable enrollment notice will describe consent and opt-out methods; marketing consent is not a condition of purchase.

Depending on your residence and whether the relevant law applies to us, you may have rights to confirm processing; access or obtain a portable copy of personal information; correct inaccuracies; delete information; withdraw consent; and opt out of sale, sharing, targeted advertising, or certain profiling that produces legal or similarly significant effects. You may also have rights to restrict certain processing or uses of sensitive information. Exceptions and eligibility requirements apply.

Submit a request to info@shatterproofnow.com with "Privacy Request" in the subject line. Identify your requested action and the email associated with your interactions. Do not send sensitive identity documents unless we request them through an appropriate channel. We may verify your identity or an authorized agent’s authority using information proportionate to the request. An account is not required to submit a request.

We respond within the period required by applicable law, generally within 45 days for covered U.S. state requests, with permitted extensions and notice. Different deadlines may apply to opt-outs or requests under other laws. Requests are generally free, subject to lawful exceptions. We will explain a denial and available review options. We do not unlawfully discriminate against anyone for exercising privacy rights.

Appeals. If your request is denied, email the same address with "Privacy Appeal" and explain why you seek reconsideration. Where an appeal right applies, we respond within the legally required period and explain how to contact the appropriate regulator if the appeal is denied. Texas consumers may submit a complaint to the Texas Attorney General at texasattorneygeneral.gov.

7. Additional regional information

California. Where the California Consumer Privacy Act applies, rights include knowing the categories and specific pieces of personal information collected, sources, purposes, and categories of recipients; deletion; correction; opting out of sale or sharing; and limiting certain uses and disclosures of sensitive personal information. Sections 1–5 describe the categories, sources, purposes, recipients, and retention criteria addressed by this Policy. Authorized agents may submit requests, subject to lawful verification.

California residents may also request information about certain disclosures for third parties’ direct marketing under the Shine the Light law by emailing us with "California Privacy Request." These rights depend on the law’s applicability and exceptions.

European Economic Area, United Kingdom, and Switzerland. Where applicable, our processing bases include performing a contract, complying with law, consent, and legitimate interests such as providing secure Services and improving our business, balanced against your rights. You may have rights of access, correction, erasure, restriction, portability, objection, and withdrawal of consent without affecting earlier lawful processing. You may complain to your local data protection authority. We generally respond within one month where required, subject to lawful extensions.

8. International processing

Information may be processed in the United States and other countries where we or our providers operate. Privacy protections may differ from those in your location. Where required, transfers are made using legally recognized safeguards, such as applicable standard contractual clauses or another valid transfer mechanism. Contact us for information about safeguards applicable to your data.

9. Children and sensitive information

The Services are intended for adults age 18 and older and are not directed to children. We do not knowingly solicit personal information from children under 18. If you believe a child has provided information, contact us so we can investigate and take appropriate deletion or other legally required steps.

Do not submit sensitive personal information or confidential legal matters unless specifically requested through a suitable process. If a feature requires sensitive information, we provide any additional notice and obtain consent required by law before that processing.

10. Changes and contact

We may update this Policy to reflect changes in our Services, practices, or legal obligations. The revised date appears above. We provide additional notice of material changes and obtain consent where required. A policy revision does not itself authorize a use that requires consent.

Questions, requests, and appeals: Shatterproof Solutions LLC • info@shatterproofnow.com • shatterproofnow.com.

1. Agreement and eligibility

By affirmatively accepting these Terms, registering, or purchasing through a process that presents these Terms for acceptance, you agree to them. Website use is subject to these Terms to the extent enforceable under applicable law. If you do not agree, do not register, purchase, or use the Services.

You must be at least 18 and able to enter a binding agreement. If acting for an organization, you represent that you have authority to bind it. Provide accurate information and keep your account credentials secure. Notify us promptly of unauthorized use. You are responsible for activity you authorize, subject to applicable law.

2. Education only; no attorney-client relationship

The Services provide general education and business information. Scott Reib may be a licensed attorney, but his participation as an author, speaker, educator, or coach does not mean he is acting as your attorney. The Services do not provide individualized legal advice or legal representation.

Visiting the site; buying or using courses, coaching, events, books, or downloads; submitting questions; participating in discussions; or communicating with the Company or Scott Reib through these Services does not, by itself, create an attorney-client relationship. Payment for education or coaching is not a legal retainer.

Any legal representation must be separately evaluated and accepted by the attorney or law firm, ordinarily documented in a written engagement agreement defining the client and scope. Nothing here limits duties imposed by applicable law or professional-conduct rules, including duties to prospective clients. The separate Disclaimer explains these boundaries further and forms part of these Terms where presented for acceptance.

3. Independent judgment

Consult a qualified attorney licensed in the relevant jurisdiction before relying on legal concepts, templates, examples, or strategies. Laws and facts vary and change. You remain responsible for your decisions, filings, compliance, and deadlines. We do not monitor your legal matters or promise business, financial, or legal results.

4. Purchases, access, and payments

The applicable order page or separately accepted agreement identifies the offering, price, currency, taxes, access period, and any scheduling or delivery requirements. You authorize charges you approve at checkout. We may decline an order or correct a material pricing error before fulfillment; if payment has been collected for a declined order, we will return it.

Access is limited to the duration and users specified for the purchase. Unless expressly stated, a purchase does not include private legal services, individual document review, certification, ongoing updates, or perpetual access. Books and other physical goods are subject to shipping terms disclosed with the order.

5. Subscriptions, cancellations, and refunds

If an offering renews automatically, the checkout process must disclose the billing amount, frequency, renewal terms, trial conversion terms if any, and cancellation method before you agree. Recurring charges require your affirmative consent. You may cancel through the disclosed method or contact info@shatterproofnow.com for assistance. We provide legally required notices and cancellation options.

All sales are final and payments are nonrefundable, except where a refund is required by law, expressly promised in an accepted offer, or provided below for Company cancellation or nondelivery. This policy applies to courses, coaching, events, books, downloads, memberships, and other purchases. Nonattendance, failure to use purchased access, or a change of mind does not entitle you to a refund. Canceling a subscription stops future renewals; it does not refund charges already incurred or create a prorated refund for the current period, except as required by law. Any available rescheduling rights must be stated in the applicable offer. This policy does not limit rights concerning defective goods, unauthorized charges, or other nonwaivable remedies.

If we cancel a paid event or materially cannot provide a purchased offering, we will offer an appropriate replacement or refund for the undelivered portion, subject to applicable law and your rights. We will not use later changes to these Terms to reduce an existing purchase’s expressly promised benefits.

6. Intellectual property and permitted use

The Company and its licensors own the Services’ content, branding, videos, recordings, books, worksheets, and other materials, except for user-owned content. Subject to payment and these Terms, you receive a limited, nonexclusive, nontransferable license to access and use purchased materials for your own learning and internal business use during the stated access period.

Where a download is expressly offered as a reusable template, you may adapt it for your own or your organization’s internal use, subject to its specific license. This permission does not authorize resale, public distribution, sublicensing, or offering our materials as your own competing product. Statutory rights such as fair use remain intact.

Do not share paid account access, distribute course copies, remove ownership notices, circumvent access controls, or use our names or marks to imply endorsement without permission.

7. Conduct, submissions, and recordings

Do not use the Services unlawfully; infringe others’ rights; upload malware; harass others; impersonate another person; disrupt systems; or obtain information or restricted content through unauthorized access. Participants must respect reasonable event and community rules communicated to them.

You retain ownership of your submissions. You grant us a nonexclusive license to host, reproduce, and display submitted content only as reasonably needed to deliver and administer the Services and the features you choose to use. You represent that you have the necessary rights and permissions. Public or group submissions may be viewed by other participants. Do not submit confidential client information or third-party personal information without lawful authority.

If we record a session, we will provide notice and obtain any required consent. Recording permissions and audience access will be described for that session. Promotional use of your name, likeness, or testimonial requires any separate permission required by law. Do not record or redistribute sessions or other participants’ contributions without authorization.

We may moderate or remove content that violates these Terms. Nothing prohibits honest reviews, lawful complaints, or communications with regulators.

8. Third parties and privacy

Third-party links, tools, platforms, speakers, and recommendations are provided for convenience. Their independent services are governed by their own terms and policies. We do not control their performance or endorse every statement they make. Material affiliate or sponsorship relationships will be disclosed where required.

Our separate Privacy Policy explains personal information practices. Agreement to these Terms is not blanket consent to marketing, recording, or other processing that requires separate consent.

9. Availability and termination

We may make reasonable updates, perform maintenance, or suspend access to address security concerns, nonpayment, or material violations. Where practical, we will provide notice and an opportunity to resolve a violation. Immediate suspension may be necessary to prevent harm or comply with law.

You may stop using the Services at any time and cancel recurring services as described above. Termination does not erase lawful payment obligations already incurred or nonwaivable refund rights. If we discontinue paid access without your breach, we will address the undelivered portion as described in Section 5. Provisions that by their nature should survive, including ownership, accrued payment obligations, and applicable liability limits, survive termination.

10. Warranty disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND EXCEPT FOR EXPRESS COMMITMENTS IN AN ACCEPTED OFFER OR AGREEMENT, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE ACCESS, COMPLETE ACCURACY, OR ANY PARTICULAR OUTCOME.

Nothing in these Terms excludes mandatory warranties, statutory remedies, or responsibility that cannot lawfully be excluded. Any express guarantee remains subject to its stated terms and applicable law.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OWNERS, OFFICERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, ARISING FROM THE SERVICES. THEIR AGGREGATE LIABILITY ARISING FROM THE SERVICES WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID THE COMPANY FOR THE OFFERING GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO IT.

These limits do not apply to fraud, willful misconduct, gross negligence, or liability that cannot be limited by law. They do not limit refund obligations expressly stated here or rights and remedies that applicable consumer law makes nonwaivable. They do not govern separately engaged legal services or displace an attorney’s professional obligations.

12. Resolving concerns and applicable law

Please contact info@shatterproofnow.com with a description of your concern so we can attempt a good-faith resolution. Contacting us is not a mandatory prerequisite to exercising legal rights and does not extend any legal deadline.

These Terms are governed by Texas law, without applying conflict-of-laws rules that would displace mandatory protections. Subject to nonwaivable law, disputes may be brought in Texas state or federal courts with jurisdiction and proper venue; each party consents to their jurisdiction. This provision does not prevent a consumer from proceeding in another forum where applicable law preserves that right. These Terms do not require binding arbitration or waive class actions or jury trials. Mandatory consumer protections in your jurisdiction remain available.

13. Changes and general provisions

We may update these Terms prospectively and identify the revision date. Material changes will receive appropriate notice, and renewed agreement will be obtained where required. Changes do not retroactively alter an accrued claim or a completed purchase’s agreed terms without a valid agreement.

An offering-specific agreement controls a conflict about that offering; otherwise these Terms and the incorporated Disclaimer govern their subject matter. The Privacy Policy governs privacy disclosures. If a provision is unenforceable, the remaining provisions continue to the extent permitted by law. A failure to enforce a provision is not a waiver. No assignment may reduce your nonwaivable rights.

Electronic communications. You may receive service notices, order confirmations, and other records electronically where permitted by law. Electronic signatures and accepted online orders may have the same legal effect as paper records. Where law requires separate consent to electronic delivery or preserves a right to paper records or withdrawal, those requirements and rights remain in effect. Please retain copies of records important to you.

Neither these Terms nor use of the Services creates a partnership, joint venture, employment, or agency relationship. A delay caused by events beyond reasonable control does not excuse payment for undelivered services or eliminate nonwaivable consumer rights.

14. Copyright concerns

If you believe content on the Services infringes your copyright, email info@shatterproofnow.com. Identify the copyrighted work, the allegedly infringing material and its location, your contact information, and the basis for your claim. Submit accurate information; knowingly false claims may create liability under applicable law. We will review the report and take appropriate action. This contact process does not represent that we have registered a designated agent under the Digital Millennium Copyright Act.

15. Contact

Shatterproof Solutions LLC • info@shatterproofnow.com • shatterproofnow.com.

1. Scott Reib’s role: educator, not your lawyer

Scott Reib may be a licensed attorney. That professional background does not mean he is acting as your attorney when providing the Educational Services. Through these offerings, Scott Reib and Shatterproof Solutions LLC provide general education and business information, not individualized legal advice or legal representation.

References to Scott Reib as an attorney, lawyer, speaker, author, coach, or legal educator describe his background or role. They do not establish that he is licensed in your jurisdiction, that he has reviewed your circumstances, or that he has agreed to represent you.

2. No attorney-client relationship

Your use of the website, courses, coaching, events, books, downloads, or educational content does not, by itself, create an attorney-client relationship with Scott Reib, Shatterproof Solutions LLC, or any participating attorney or law firm.

The same applies to purchasing an offering; joining a membership; attending a webinar, workshop, or live event; asking a question; commenting; sending an email or direct message; completing a form; or receiving a general educational response. A fee for a course, coaching session, event, book, or download is not a legal retainer.

Any legal representation must be separately considered and affirmatively accepted by the attorney or law firm. That process ordinarily includes any necessary conflict review and a written engagement agreement identifying the client, the scope of work, and the terms of representation. Do not assume representation has begun based solely on educational interactions or a request for assistance.

Nothing in this Disclaimer overrides an existing engagement agreement or duties that arise under applicable law or professional-conduct rules, including duties to prospective clients. The legal effect of actual communications and conduct is governed by applicable law.

3. General information is not legal advice

The Educational Services are not a substitute for advice from a qualified attorney licensed in the relevant jurisdiction who has reviewed your specific facts. Discussion of laws, business structures, contracts, risk management, intellectual property, or other legal topics is for general understanding.

Examples, sample clauses, checklists, forms, and templates may be incomplete or inappropriate for your circumstances. They may require substantial adaptation and professional review. Using or modifying a template does not establish that it is valid, enforceable, or sufficient for your transaction.

4. Coaching, questions, and live participation

Coaching supports education, planning, and accountability. It does not include legal representation, individualized legal opinions, legal document review, or monitoring of legal compliance unless separately engaged through an appropriate attorney or law firm.

A discussion that resembles your situation or a response to your question remains general education within these Services. Do not rely on a live answer or informal exchange as a determination of your legal rights or obligations. If a question requires individualized legal analysis, seek a separate legal consultation.

5. Protect confidential information

Do not send confidential, privileged, sensitive, or time-sensitive legal information through website forms, ordinary educational support channels, community posts, or group sessions. Those channels are not designed as confidential legal intake channels. Other participants may see or hear group contributions, and sessions may be recorded with appropriate notice and consent.

You should not assume that educational communications are protected by attorney-client privilege. Our Privacy Policy explains how personal information is handled; a privacy policy does not itself create legal privilege. This warning does not waive or eliminate confidentiality duties or protections that applicable law independently imposes.

6. Deadlines and your decisions

Neither the Company nor Scott Reib undertakes through the Educational Services to identify, calendar, or protect filing deadlines, statutes of limitation, renewal dates, or other legal obligations for you. Do not delay seeking legal advice or taking required action while waiting for an educational response.

You are responsible for deciding whether and how to use educational information and for obtaining appropriate professional assistance. The Services are not a source of emergency legal assistance.

7. Accuracy, jurisdictions, and results

Laws, regulations, interpretations, and business conditions change and differ among jurisdictions. Materials reflect their context and preparation date and may not be current, complete, or applicable where you live or do business. We may update materials but do not promise continuous updates unless expressly agreed.

No statement, strategy, case study, or use of the term "shatterproof" guarantees legal protection, avoidance of lawsuits, regulatory compliance, profitability, revenue growth, asset protection, or any other outcome. Results depend on individual circumstances, decisions, effort, market conditions, and other factors.

8. Testimonials and illustrations

Testimonials describe individual experiences and are not a promise that you will achieve the same result. Examples and hypothetical scenarios are illustrative and should not be treated as an assessment of your situation. Any express offer or guarantee is governed by its disclosed terms and applicable law.

A general disclaimer does not replace required substantiation, typical-results information, or disclosures accompanying a particular marketing claim. Material connections, including compensation or other incentives for endorsements, will be disclosed where required.

9. Other professionals, links, and affiliations

The Educational Services do not establish an accountant-client, investment-adviser, fiduciary, or other professional relationship. Obtain qualified tax, financial, insurance, or other professional advice as appropriate.

Links, guest presentations, and references to third-party products or professionals are provided for information. We do not control third-party content, services, or advice. A recommendation does not establish that a provider is suitable for your needs. Any material affiliate or sponsorship relationship will be disclosed where required, including near the relevant recommendation.

10. Relationship to other terms

This Disclaimer should be read with our Terms of Service and Privacy Policy. It explains the educational nature of our offerings and does not create an independent waiver of nonwaivable rights, eliminate applicable professional duties, or amend a separate attorney-client engagement.

11. Contact

For questions about the Educational Services or this Disclaimer, contact Shatterproof Solutions LLC at info@shatterproofnow.com or visit shatterproofnow.com. Contacting this address does not, by itself, engage an attorney or establish legal representation.