TERMS OF USE

SPIRITUAL ELEVATION PROGRAM (SEP) TERMS OF AGREEMENT BY PURCHASING OR ENROLLING IN THE SPIRITUAL ELEVATION PROGRAM (SEP), YOU ("PARTICIPANT") AGREE TO THE FOLLOWING TERMS OF AGREEMENT. IF YOU DO NOT AGREE, YOU SHOULD NOT PARTICIPATE IN THE PROGRAM. 1. PROGRAM OVERVIEW THE SPIRITUAL ELEVATION PROGRAM (SEP) IS AN EDUCATIONAL AND FAITH-BASED PROGRAM DESIGNED TO HELP PARTICIPANTS GROW SPIRITUALLY BY APPLYING ALLAH’S NAMES IN THEIR DAILY LIVES. THE PROGRAM INCLUDES RECORDED CONTENT, WORKBOOKS, LIVE SESSIONS, COMMUNITY SUPPORT, AND OTHER LEARNING MATERIALS. THE PROGRAM IS FOR PERSONAL DEVELOPMENT ONLY AND IS NOT A SUBSTITUTE FOR RELIGIOUS RULINGS, MEDICAL, MENTAL HEALTH, OR LEGAL ADVICE. RESULTS ARE NOT GUARANTEED. YOUR PERSONAL EFFORT, CONSISTENCY, AND ENGAGEMENT DETERMINE THE OUTCOMES OF THIS PROGRAM. 2. PAYMENT, REFUND, & CANCELLATION POLICY 2.1 PAYMENT TERMS SEP IS A PAID PROGRAM, AND ALL FEES MUST BE PAID IN FULL OR VIA AN APPROVED INSTALLMENT PLAN BEFORE ACCESSING THE CONTENT. PAYMENT IS COLLECTED THROUGH KAJABI, STRIPE, PAYPAL, ETC. IF ON A MONTHLY PAYMENT PLAN, YOU AGREE TO PAY THE FULL AMOUNT OF THE PLAN EVEN IF YOU CHOOSE NOT TO COMPLETE THE PROGRAM. 2.2 REFUND POLICY ALL SALES ARE FINAL. DUE TO THE NATURE OF DIGITAL PRODUCTS AND LIVE COACHING, NO REFUNDS WILL BE ISSUED UNDER ANY CIRCUMSTANCES. BY PURCHASING, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THE REFUND POLICY. 2.3 CANCELLATION POLICY IF YOU ARE ON A SUBSCRIPTION PLAN, YOU MAY CANCEL FUTURE PAYMENTS AT ANY TIME, BUT PAST PAYMENTS ARE NON-REFUNDABLE. IF YOU CANCEL, YOU WILL LOSE ACCESS TO ALL SEP CONTENT AND THE COMMUNITY UPON CANCELLATION. 3. INTELLECTUAL PROPERTY & COPYRIGHT ALL CONTENT IN SEP (VIDEOS, PDFS, WORKBOOKS, LIVE SESSIONS, SLIDES, AND DISCUSSIONS) REMAINS THE EXCLUSIVE PROPERTY OF RAYHANA INSTITUTE AND MAY NOT BE COPIED, SHARED, OR RESOLD. YOU MAY NOT USE THE MATERIALS TO CREATE OR TEACH YOUR OWN COURSE, COACHING, OR BUSINESS. UNAUTHORIZED DISTRIBUTION OF SEP MATERIALS MAY RESULT IN LEGAL ACTION AND IMMEDIATE REMOVAL FROM THE PROGRAM WITHOUT A REFUND. 4. CODE OF CONDUCT & PARTICIPATION 4.1 RESPECTFUL BEHAVIOR TO MAINTAIN A SAFE AND SUPPORTIVE LEARNING ENVIRONMENT, PARTICIPANTS MUST: ENGAGE RESPECTFULLY AND AVOID ANY LANGUAGE OR BEHAVIOR THAT IS OFFENSIVE, DISRUPTIVE, OR HARMFUL. KEEP ALL DISCUSSIONS WITHIN THE COMMUNITY PRIVATE AND CONFIDENTIAL. ADHERE TO ISLAMIC ETHICS AND RESPECTFUL CONDUCT WHEN INTERACTING WITH OTHERS. 4.2 REMOVAL FROM THE PROGRAM RAYHANA INSTITUTE RESERVES THE RIGHT TO REMOVE ANY PARTICIPANT WITHOUT A REFUND IF THEY: ENGAGE IN DISRUPTIVE, ABUSIVE, OR INAPPROPRIATE BEHAVIOR IN LIVE SESSIONS OR THE COMMUNITY. SHARE SEP CONTENT OUTSIDE THE PROGRAM. VIOLATE ANY TERMS OF THIS AGREEMENT. 5. DISCLAIMER & LIMITATION OF LIABILITY 5.1 NO RELIGIOUS OR PSYCHOLOGICAL ADVICE SEP IS FOR EDUCATIONAL AND SPIRITUAL GROWTH PURPOSES ONLY. IT IS NOT A SUBSTITUTE FOR RELIGIOUS RULINGS (FIQH), COUNSELING, OR MEDICAL TREATMENT. YOU ARE RESPONSIBLE FOR HOW YOU APPLY THE TEACHINGS IN YOUR LIFE. 5.2 LIMITED LIABILITY RAYHANA INSTITUTE AND ALIMAH MARYAM ARE NOT LIABLE FOR ANY PERSONAL DECISIONS, SPIRITUAL EXPERIENCES, OR ACTIONS TAKEN BASED ON SEP TEACHINGS. BY ENROLLING, YOU AGREE TO HOLD RAYHANA INSTITUTE HARMLESS FROM ANY CLAIMS OR DAMAGES RESULTING FROM YOUR PARTICIPATION IN SEP. 6. PRIVACY & CONFIDENTIALITY 6.1 NO SHARING OF COMMUNITY DISCUSSIONS DISCUSSIONS IN LIVE SESSIONS AND COMMUNITY PLATFORMS ARE CONFIDENTIAL. PARTICIPANTS MAY NOT RECORD, SCREENSHOT, OR SHARE PRIVATE DISCUSSIONS FROM LIVE SESSIONS OR GROUPS. 6.2 DATA PROTECTION WE DO NOT SELL OR MISUSE YOUR PERSONAL DATA. ANY INFORMATION COLLECTED (SUCH AS EMAIL ADDRESSES) IS USED ONLY FOR SEP-RELATED COMMUNICATION. 7. MODIFICATION OF TERMS RAYHANA INSTITUTE RESERVES THE RIGHT TO MODIFY THESE TERMS AT ANY TIME. PARTICIPANTS WILL BE NOTIFIED OF ANY CHANGES. BY ENROLLING IN SEP, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS OF AGREEMENT.