Effective Date: September 1, 2025

Welcome to Dr. Loretta Tolliver. By purchasing, accessing, or using any digital products from Dr. Loretta Tolliver, you agree to the following Terms and Conditions. Please read them carefully before completing your purchase.

1. Digital Products

• Our offerings include eBooks, workbooks, guides, courses, recordings, and other downloadable or streamable materials (“Products”).

• Upon purchase, you receive a limited, non-exclusive, non-transferable license to access and use the Products for your personal, non-commercial use only.

• Products may not be shared, resold, reproduced, or distributed without prior written consent from Dr. Loretta Tolliver.

2. Intellectual Property

• All Products, including content, design, and branding, remain the sole intellectual property of Dr. Loretta Tolliver.

• Unauthorized use, reproduction, or distribution of any Product is prohibited and may result in legal action.

3. Payment Terms

• All prices are displayed in US dollars and must be paid in full at the time of purchase.

• Payments are securely processed through Stripe or PayPal.

• You are responsible for ensuring correct payment information is provided at checkout.

4. Refunds

• Refunds are covered under our refund policy (see below).

5. No Guarantees

• The Products are intended for educational and personal development purposes only.

• Dr. Loretta Tolliver makes no guarantees about specific results, transformations, or outcomes from using the Products.

6. Disclaimer

• Products are not intended as medical, psychological, legal, or financial advice.

• You accept full responsibility for any decisions or actions you take as a result of using the Products.

7. Limitation of Liability

• To the fullest extent permitted by law, Dr. Loretta Tolliver is not liable for any damages, losses, or claims arising from your purchase, use, or misuse of the Products.

• Your use of the Products is at your own discretion and risk.

8. Governing Law

• These Terms and Conditions are governed by and construed in accordance with the laws of Illinois, USA.

• Any disputes shall be resolved exclusively in the courts of Illinois, USA.

9. Changes to Terms

• Dr. Loretta Tolliver reserves the right to modify these Terms and Conditions at any time.

• Updates will be posted on this page, and continued use of our Products constitutes acceptance of the revised terms.

Contact Us
If you have any questions about these Terms and Conditions, please reach out to:
Dr. Loretta Tolliver
coach@lorettatolliver.com
www.lorettatolliver.com

Effective Date: September 1, 2025

We want you to be satisfied with your purchase of any and all Dr. Loretta Tolliver digital products.

1. Digital Product Policy

Because this is a digital product with instant access, all sales are final and no refunds will be issued after purchase, except where required by law.

2. Exceptional Circumstances

Refunds may be considered only if:

• You were charged in error (duplicate payment)

• You did not receive access to the course due to a technical issue we are unable to resolve within 7 business days

3. No “Results-Based” Refunds

We do not offer refunds based on perceived results, lack of implementation, or change of mind. Your success depends on your own effort and application of the material.

4. Contact for Refund Inquiries

Email us at coach@lorettatolliver.com within 7 days of purchase if you believe you qualify for a refund under the above terms. Include your name, email used for purchase, and order number.