LAST UPDATED:
04.01.2026.

WEBSITE TERMS

OF PURCHASE

1. Acceptance of Terms

These Terms of Purchase ("Terms") are between you ("Purchaser," "you," "your") and Cindy Kumar, ElevateHerConsulting Inc. ("Company," "we," "us," "our") and govern your purchase of services, digital products, and related offerings ("Products") through the Company's website at www.itscindykumar.com or any related domains or subdomains (the "Website"), or pursuant to a separate engagement or service agreement.

By clicking "Add to Cart," "Buy Now," "Enroll," "Register," or any similar purchase button, submitting payment electronically or in person, or otherwise subscribing or enrolling through the Website, you agree to be bound by these Terms, together with our Website Terms and Conditions located at www.itscindykumar.com/terms-and-conditions and our Privacy Policy located at www.itscindykumar.com/privacy-policy, all of which are incorporated by reference (collectively, the "Agreement"). If there is any conflict between these Terms and the Terms and Conditions, these Terms will control with respect to the purchase and use of Products.

2. Eligibility

By purchasing Products, you represent and warrant that you are at least 16 years old and meet all legal age requirements in your jurisdiction to enter into a binding contract and to purchase and use the Products. You further represent that you have the authority to bind yourself or any business entity on whose behalf you are purchasing.

3. Products and Services

Our Products and Services include, but are not limited to:

  • CFO on Call — fractional CFO and financial advisory services, including ongoing CFO engagements, financial strategy consulting, advisory retainers, and project-based financial advisory work for businesses globally.

  • Digital products (current and future offerings) — including but not limited to templates, guides, ebooks, online courses, prerecorded video lessons, live workshops and webinars, masterclasses, memberships, digital downloads, printables, digital planners, prompt libraries, and AI-powered tools.

The specific scope, deliverables, timelines, and pricing for CFO on Call engagements will be governed by a separate written engagement letter or service agreement. In the event of any conflict between these Terms and a separate service agreement, the service agreement will control with respect to the services it covers.

4. Pricing and Payment

By providing the Company with your preferred payment method, you represent that you: (i) are authorized to use, and (ii) authorize the Company to charge that payment method (the "Authorized Payment Method") for all fees related to your purchase (collectively, the "Fees"). Unless otherwise indicated, all Fees are stated and charged in Canadian dollars (CAD).

Taxes.

You are responsible for all applicable taxes, duties, and governmental charges associated with your purchase. If the Company is required to collect sales tax, GST/HST, VAT, or other transaction taxes, the applicable amount will be added to your order total at checkout or invoiced separately.

One-Time Purchases.

For Products sold on a one-time purchase basis, the full purchase price is due at the time of checkout unless a payment plan option is offered and selected.

Payment Plans.

If the Company offers a payment plan option for a Product, you agree to the following:

  • By selecting a payment plan, you are committing to pay the full purchase price in the number of installments and on the schedule presented at checkout.

  • You authorize the Company to charge your Authorized Payment Method for each installment on the scheduled payment dates.

  • You will receive full access to the Product upon your first installment payment, unless otherwise stated at checkout.

  • Your obligation to pay all remaining installments is unconditional. Failure to use the Product, dissatisfaction with the Product, or cancellation of your account does not relieve you of your payment obligation.

If we are unable to process a scheduled installment, we will notify you and attempt to process the payment again within 24 hours. If the payment remains unsuccessful after 3 attempts, the Company reserves the right to: suspend or revoke your access to the Product until all outstanding installments are paid; accelerate the remaining balance, making the full unpaid amount immediately due; or refer the outstanding balance to collections.

Recurring Subscriptions.

For Products sold on a recurring subscription basis:

  • You authorize the Company to process recurring Fees until the subscription is terminated and all outstanding Fees have been paid in full.

  • Recurring payments are billed in advance on the date of your initial purchase and on each subsequent renewal date based on your selected billing cycle.

  • You may cancel your subscription at any time by contacting us at cindy@itscindykumar.com or using the cancellation feature in your account settings. Upon cancellation, you will retain access through the end of your current paid billing period. No refunds will be issued for any unused portion of the current billing period.

  • The Company reserves the right to modify subscription pricing, features, or benefits with 30 days' notice. If you do not agree to the modified terms, you may cancel before the next billing date.

Promotions and Discounts.

We may occasionally offer promotions, discounts, limited-time offers, or bonuses. Promotions are available at the Company's discretion and are not guaranteed to be available at the time of your purchase. Unless otherwise stated, Promotions cannot be applied retroactively to prior purchases and cannot be combined with other offers.

Pricing and Availability.

We strive to present accurate Product descriptions and pricing on the Website, but errors may occur. The Company reserves the right to correct any pricing errors at any time. If a Product you purchased was listed at an incorrect price, the Company will notify you and provide the option to confirm your order at the correct price or cancel for a full refund.

Product and Service Discontinuation.

The Company reserves the right to modify, suspend, or permanently discontinue any Product or Service at any time. If the Company discontinues a Product for which you have paid for a defined access period that has not yet expired, the Company will provide at least 30 days' advance notice and will, at its sole discretion, offer one of the following: a pro-rata refund for the unused portion of your paid access period; a credit of equivalent value toward another Product or Service; or extended access to download or save available materials before the discontinuation date.

Payment Disputes.

If you initiate a chargeback or payment dispute with your financial institution, the Company may present these Terms, order confirmation, and delivery records to your financial institution and may suspend or terminate your access to the Products pending resolution. We encourage you to contact us at cindy@itscindykumar.com before initiating a chargeback so we can attempt to resolve the issue directly.

5. Delivery and Order Confirmation

When you complete a purchase, you will receive an order confirmation via email. It is your responsibility to review the order confirmation and notify us promptly at cindy@itscindykumar.com if there are any errors.

Delivery methods vary by Product type:

  • Digital Downloads and Templates: Delivered electronically upon receipt of payment, either through a download link on the Website or via email.

  • Online Courses and Prerecorded Content: Access provided through the Website or a third-party learning platform upon receipt of payment.

  • Live Workshops, Webinars, and Events: Registration confirmation and access details provided via email following purchase.

  • Memberships and Subscription Services: Access activated upon receipt of your initial payment.

  • CFO on Call and Advisory Services: Onboarding details and engagement commencement will be confirmed per the terms of your separate service agreement or engagement letter.

6. Refunds and Returns

Due to the nature of digital products being immediately accessible upon purchase, all sales of digital products are final. We do not offer returns, refunds, or exchanges on digital products. If you are on a payment plan, your obligation to complete all remaining installments continues regardless of any request for a refund.

Refunds for CFO on Call and advisory service engagements are governed by the terms of your separate service agreement or engagement letter.

7. Live Events, Workshops, and Webinars

Event Details.

Specific dates, times, locations (or virtual access links), and other details for live events will be communicated via email and/or the Website following your purchase.

Cancellation and Rescheduling by the Company.

The Company reserves the right to cancel or reschedule any live event. If the Company cancels an event, you will be offered the option to attend the rescheduled event, receive a credit toward a future event, or receive a full refund processed within 30 business days.

Cancellation by the Purchaser.

All live event purchases are final. If you are unable to attend, you may designate a substitute attendee by notifying us at cindy@itscindykumar.com at least 30 days prior to the event. No refunds, credits, or transfers will be issued for no-shows.

Recording and Transcription Prohibition.

You may not, and may not permit any third party or automated tool to, record, capture, screenshot, screen-record, livestream, photograph, transcribe, or otherwise reproduce any portion of a live event. This prohibition includes, without limitation:

  • Audio or video recording via any device or software.

  • Screen capture or screen recording tools.

  • Artificial intelligence note-taking, transcription, or summarization tools (e.g., Otter.ai, Fireflies.ai, Fathom, and similar products).

  • AI meeting assistants, bots, or automated attendees of any kind.

  • Manual transcription for the purpose of reproduction or distribution.

You may take personal handwritten or typed notes for your own private reference only. Such notes may not be shared, published, distributed, or used to create any product or content. Any violation of this section will result in immediate removal from the event and revocation of your License without refund.

Name, Image, Likeness, and Recording Release.

By registering for and attending any live event, you acknowledge that the Company may record, photograph, or otherwise capture the event, including your audio, video, image, and any contributions you make. You grant the Company a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license to use such recordings for any lawful business purpose, including marketing and promotional materials. If you do not wish to appear in Event Recordings, you must notify the Company in writing prior to the event.

Participant Conduct.

You agree to conduct yourself in a professional and respectful manner at all live events. The Company reserves the right to remove any participant for disruptive, offensive, or otherwise inappropriate behavior, without refund.

Technical Requirements.

For virtual events, you are responsible for ensuring you have a reliable internet connection and compatible hardware and software. The Company is not responsible for any inability to participate due to your technical issues.

8. License Grant and Intellectual Property

By purchasing Products, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Products for your personal or internal business use only (the "License"), subject to the terms below. The Company owns and retains all rights, titles, and interests in and to the Products, including all copyrights, trademarks, trade secrets, and other intellectual property rights. Nothing in these Terms transfers any intellectual property ownership to you.

Templates and Digital Downloads.

You may modify, copy, edit, print, and adapt the Product for use for yourself and/or your business, provided you adhere to all applicable laws and these Terms. You may not reproduce, give away, publish, sell, license, or distribute the Product (or any modified version) to any third party. If multiple team members need access, you must purchase an additional License for each.

Online Courses and Prerecorded Content.

Your License grants you access to view and use course materials for your personal or internal business learning purposes only. You may not share, copy, reproduce, record, publish, sell, or distribute course content in any form.

Live Workshops, Webinars, and Events.

Your License grants you the right to attend and participate in the live event for which you registered. Recording and transcription prohibitions in Section 7 apply. If the Company provides recordings or supplemental materials following the event, the license terms for Online Courses and Prerecorded Content apply to those materials.

CFO on Call and Advisory Services.

Your use of any deliverables, frameworks, tools, reports, or materials provided as part of a CFO on Call engagement is governed by your separate service agreement or engagement letter. All underlying methodologies, frameworks, and intellectual property remain the property of the Company unless expressly transferred in writing.

General License Restrictions.

Regardless of Product type, you may not:

  • Resell, sublicense, distribute, or make available the Products (or any portion) to any third party.

  • Share your account credentials or allow any other person to access the Products through your account.

  • Use the Products to develop, create, sell, distribute, or offer any product or service that is substantially similar to or competitive with the Products or the Company's business offerings.

  • Remove, alter, or obscure any copyright, trademark, or proprietary notices on the Products.

  • Grant master resell rights, private label rights, or any other rights enabling third parties to resell or distribute the Products.

  • Use the Products to create derivative products for sale or distribution.

Enforcement and Remedies.

If the Company reasonably believes you have violated any License restriction, the Company may immediately revoke your License and terminate your access to the Products without refund. The Company reserves the right to pursue all available legal remedies, including claims for actual damages and injunctive relief.

Confidentiality of Product Content.

By accessing the Products, you agree to treat the following as confidential and proprietary information of the Company: strategies, frameworks, methodologies, proprietary processes, business models, formulas, systems, and other non-public information contained within or disclosed through the Products (collectively, "Confidential Information"). You shall not disclose, share, distribute, or use Confidential Information for any purpose other than the permitted use of the Products under this License. This duty of confidentiality survives the termination or expiration of your access.

9. Community and Membership Access

If your purchase includes access to an online community, forum, or group, your access is limited to the duration specified in the Product description or order confirmation. You agree to comply with any posted community guidelines and to conduct yourself professionally and respectfully. The Company reserves the right to remove you from the community for conduct that is disruptive, offensive, or in violation of these Terms, without refund.

Community Confidentiality.

You will not share, disclose, or distribute any content, discussions, strategies, or materials shared by the Company or other members within the community to any non-member. You will respect the privacy of other members and will not share their personal information or business strategies outside the community without their explicit consent.

Peer-to-Peer Interactions.

Information and opinions shared by other community members are based on their own experiences and perspectives. The Company disclaims all liability for actions taken or decisions made based on information shared by other members. Use your own judgment and seek professional guidance when making important decisions.

10. Publicity and Content Release

Testimonials, Reviews, and Feedback.

If you submit reviews, testimonials, images, comments, or other feedback about the Products on any platform, such feedback is governed by the User Submissions and Content License provisions in our Website Terms and Conditions. By submitting feedback, you grant the Company a license to use it, including your name and likeness, for marketing and promotional purposes.

Non-Disparagement.

You agree to refrain from making defamatory, derogatory, or disparaging statements, whether publicly or privately, regarding the Company, its officers, directors, employees, agents, Products, or Services, other than as required by law. This provision does not restrict your ability to: (a) post honest reviews or ratings about the Products on any platform; (b) provide truthful information in response to a legal proceeding or regulatory investigation; or (c) exercise any rights that cannot be waived by contract under applicable law. This section survives termination.

11. Disclaimer of Warranties

You understand and agree that the Products are informational and educational in nature and do not constitute legal, medical, financial, investment, or other professional advice. The Company is not responsible for decisions you make or actions you take based on the Products. You are solely responsible for evaluating whether any information in the Products is appropriate for your specific circumstances and jurisdiction.

THE PRODUCTS ARE NOT A SUBSTITUTE FOR QUALIFIED PROFESSIONAL ADVICE. THE COMPANY WILL NOT RENDER PROFESSIONAL OPINIONS OR ENGAGE IN ANY ACTIVITY REQUIRING SPECIALIZED PROFESSIONAL LICENSURE BEYOND ITS AUTHORIZED SCOPE. IF YOU REQUIRE LEGAL, TAX, OR OTHER SPECIALIZED PROFESSIONAL SERVICES, CONSULT A QUALIFIED PROFESSIONAL IN YOUR JURISDICTION.

THE PRODUCTS ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

THE COMPANY DOES NOT GUARANTEE ANY SPECIFIC RESULTS, INCLUDING FINANCIAL OR BUSINESS OUTCOMES, FROM YOUR USE OF THE PRODUCTS. TESTIMONIALS, CASE STUDIES, OR EXAMPLES REPRESENT INDIVIDUAL EXPERIENCES AND ARE NOT GUARANTEES OF SIMILAR RESULTS. YOUR RESULTS WILL VARY DEPENDING ON YOUR ACTIONS, EFFORTS, SKILLS, MARKET CONDITIONS, AND INDIVIDUAL CIRCUMSTANCES. NOT ACHIEVING YOUR DESIRED RESULTS IS NOT GROUNDS FOR A REFUND.

Earnings and Income Disclaimer.

Any earnings, income, or financial examples shown on the Website or in the Products are estimates, hypothetical scenarios, or individual testimonials only. They do not represent guarantees of your actual results. The Company makes no income or financial claims of any kind regarding outcomes from your use of the Products. Your results will vary depending on your actions, effort, skills, market conditions, and circumstances. There is no guarantee you will achieve any particular financial outcome using the Products.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR PURCHASE OR USE OF THE PRODUCTS, REGARDLESS OF THE LEGAL THEORY AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS SHALL NOT EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU FOR THE SPECIFIC PRODUCT GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT.

THIS LIMITATION SHALL NOT APPLY TO LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, licensors, service providers, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

  • Your purchase or use of the Products.

  • Your violation of these Terms or any applicable law.

  • Your violation of any third party's rights, including intellectual property, privacy, or publicity rights.

  • Any content you create using or derived from the Products.

  • Your improper or unauthorized use of the Products.

14. Termination

We may terminate or suspend your access to the Products at any time, with or without cause, and with or without notice, including if we reasonably believe you have violated these Terms. Upon termination: your License is immediately revoked; you remain responsible for all Fees incurred prior to termination, including remaining payment plan installments; and the Company will have no further obligation to provide the Products to you.

All provisions that by their nature should survive termination shall survive, including intellectual property, license restrictions, confidentiality, non-disparagement, limitation of liability, indemnification, and dispute resolution.

15. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your purchase or use of the Products ("Dispute"), you and the Company agree to first attempt to resolve the Dispute informally by contacting us at cindy@itscindykumar.com. We will make reasonable efforts to address your concern promptly. If the Dispute is not resolved within thirty (30) days of the initial written notice, either party may pursue the matter through the courts as set out below.

Governing Law.

These Terms and any Dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Jurisdiction.

Each party irrevocably submits to the exclusive jurisdiction of the courts of British Columbia, Canada for the resolution of any Dispute that cannot be resolved informally. If the Dispute falls within the monetary limits of the BC Civil Resolution Tribunal or BC Small Claims Court, either party may elect to use those forums instead.

Individual Claims Only.

Each party agrees that any Dispute must be brought in that party's individual capacity. Nothing in these Terms shall be construed to permit claims to be brought on a representative or collective basis where not permitted by applicable law.

Costs.

Unless otherwise ordered by a court of competent jurisdiction, each party shall bear its own legal costs and disbursements in connection with any Dispute.

16. Force Majeure

The Company shall not be liable for any failure or delay in delivering the Products resulting from circumstances beyond its reasonable control, including natural disasters, acts of government, pandemics, epidemics, cyberattacks, internet or telecommunications failures, power outages, labor disputes, supply chain disruptions, or interruptions to third-party services.

17. Privacy

Your purchase and use of the Products is also governed by our Privacy Policy, located at www.itscindykumar.com/privacy-policy. By purchasing, you acknowledge that you have reviewed and agree to the Privacy Policy.

18. Notices

We may provide notice to you by: (i) sending a message to the email address associated with your account, or (ii) posting a notice on the Website.

You may provide notice to the Company by certified mail to:

Cindy Kumar, ElevateHerConsulting Inc.

29590 Corvina Court

Abbotsford, BC V4X 0A6

Canada

19. Modifications

We reserve the right to update these Terms at any time. The "Last Updated" date reflects the latest version. We will notify you of material changes by posting a notice on the Website or emailing the address associated with your account. Continued use of the Products after changes constitutes acceptance of the revised Terms.

20. Assignment

You may not transfer or assign any rights or obligations under these Terms without the Company's prior written consent. The Company may freely assign its rights and obligations. These Terms bind and inure to the benefit of the Parties and their respective successors and permitted assigns.

21. Severability and Waiver

If any provision is held invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. All remaining provisions continue in full force.

No failure or delay by the Company in exercising any right constitutes a waiver. Any waiver is effective only if in writing and signed by an authorized Company representative.

22. Entire Agreement

These Terms, together with the Terms and Conditions, Privacy Policy, and any order confirmation, engagement letter, or additional terms presented at purchase, constitute the entire agreement between you and the Company regarding the purchase and use of Products. These Terms supersede all prior agreements, understandings, and communications on this subject matter.

The Company reserves all rights not expressly granted.