Terms & Conditions
Terms and Conditions of Use for Prismatic Growth
Last Updated on November 2, 2026
NOTICE: These Terms and Conditions of Use are legally binding. It is Your responsibility to read these Terms and Conditions of Use carefully prior to purchase, use, or access of any of Our products or services.
GENERAL PROVISIONS
This website and all Prismatic Growth programs, digital products, memberships, and services are owned and operated by F&M Enterprises, LLC, an Illinois limited liability company doing business as Prismatic Growth. Our registered trading address is 586 Four Seasons Blvd, Aurora, Illinois 60504, United States. You can contact Us at info@prismaticgrowth.com.
You must be at least 18 years old, or the age of majority where You live, to buy from Us. Where We offer something for younger participants, a parent or guardian must make the purchase and agree to these Terms on their behalf. Use of this website is at Your own risk. We host Our site on a reputable platform and take reasonable steps to maintain it, but We make no promises about the safety of Your individual use of the website. These Terms may change at any time.
DEFINITIONS
In these Terms:
“Digital Products” means products delivered electronically rather than shipped, such as templates, planners, worksheets, workbooks, guides, recorded workshops, self-paced courses, AI prompts and skills, and interactive online tools.
“Memberships” means ongoing paid access to a community or content library, billed on a recurring basis, such as Capacity Club.
“Programs” means group or guided programs with a set start and end, such as The Experiment.
“Services” means live, personalized work with Us, such as coaching sessions, Momentum Mapping, and implementation sessions.
“Free Resources” means anything We provide at no cost, including freebies, summit and bundle giveaways, workshops, and newsletters.
“Offering” means any of the above.
TERMS OF SITE & COURSE ACCESS AND PRODUCT PURCHASER AGREEMENT
All Offerings are owned and provided by F&M Enterprises, LLC d/b/a Prismatic Growth (“Company” or “We” or “Us” or “Our”). The term “You” or “Your” refers to any user or purchaser of an Offering. These Terms and Conditions of Use govern and define how You are allowed to use and access Company’s Offerings. We reserve the right to update and change these Terms and Conditions of Use at any time, and will update them accordingly with the “Last Updated” date at the top of this page.
You are legally bound to these Terms and Conditions of Use whether or not You have read them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at info@prismaticgrowth.com and We will make reasonable efforts to remove Your name, email, and access to Our Offerings and website(s).
PURCHASING AND DELIVERY OF DIGITAL PRODUCTS
Prices. Prices are in US dollars and shown at checkout. Sales tax is added where required.
Delivery. Digital Products are delivered electronically, usually right after payment, by email, download link, or login access to the platform that hosts the product (such as Skool, Kit, or HTML Pub). Nothing is shipped. If You don’t receive access within 24 hours, check Your spam folder, then email info@prismaticgrowth.com.
How long You have access. Unless the product page says otherwise, You can access a Digital Product for as long as We offer it. Please download any files You want to keep. If We retire a downloadable product, We will give You at least 30 days’ notice to download it.
Updates. We may update Digital Products from time to time. Updates are included at no extra cost unless the product page says otherwise.
What You need. You are responsible for having the device, software, or free accounts needed to use a Digital Product (for example, a PDF reader or a Google account). Requirements are listed on the product page.
Your license. Each purchase gives one person a license to use the product, as described in “Limited License” below.
MEMBERSHIPS AND AUTOMATIC RENEWAL
Automatic renewal. Memberships renew automatically at the end of each billing period (monthly or annually, as chosen at checkout). We will charge the payment method on file at the then-current price until You cancel.
Price changes. We will email You at least 30 days before a price change takes effect on Your Membership.
Annual reminders. For annual Memberships, We will email You a reminder 30 to 60 days before Your renewal date.
Free trials. If a Membership starts with a free or discounted trial of 15 days or more, We will remind You at least 3 days before the trial ends.
How to cancel. You can cancel online at any time through Your account settings on the platform where You joined, or by emailing info@prismaticgrowth.com with “Cancel” in the subject line. No reason needed.
When cancellation takes effect. Your Membership ends at the close of Your current billing period, and You keep access until then. We do not give partial refunds for unused time.
YOUR PRODUCT OR COURSE USE AND CONSENT
When You purchased Our Offering, You were given reasonable notice that these Terms and Conditions of Use existed. By moving forward with Your purchase of the Offering and further access to the Offering, You implicitly agreed and continue to agree to abide by these Terms and Conditions of Use, as well as any disclaimers and privacy disclosures contained in these Terms and Conditions of Use.
You agree that You are at least 18 years old, or of age in Your applicable jurisdiction, to access the Offering, or that You are a parent or guardian purchasing an Offering designed for a younger participant. Any other access to Our Offerings by a minor is a violation of use, and We reserve the right to terminate access if such an issue is discovered.
INTELLECTUAL PROPERTY NOTICE
All images, text, designs, graphics, trademarks, and service marks are owned by and property of Prismatic Growth, or the properly attributed party. It is a violation of federal law to use any of Our intellectual property in whole or in part, and modification of any materials contained on this site is illegal and may be prosecuted to the fullest extent permissible should We choose to do so, including asking for financial penalties (damages) and/or an injunction forcing You to stop using Our intellectual property immediately.
You may use Our intellectual property with clear and obvious credit back to Our site, as well as links back to the page where the materials, designs, images, text, quote, or post is located when it is appropriate to do so. However, You may never claim any of Our intellectual property as Your own or Your unique creation, even with attribution.
ONLINE COURSE INTELLECTUAL PROPERTY
LIMITED LICENSE
Any and all materials, paid or free, that You access on this or any related domains that contain Our Offerings are under the sole ownership or licensed use of Prismatic Growth.
To be clear, We own Our page layout and design, overall look and appearance, individual graphics, icons, videos, logos, taglines, and trademarks (common law or federally registered). You are not allowed to reproduce any part of Our website(s), program(s), product(s), service materials, or related communications.
You are only receiving a limited, non-transferable, non-exclusive, revocable license for non-commercial use only in order to access any content or materials in the Offering You have paid for or opted to receive. If You exceed the scope of this license, as determined by a legal authority such as a court of law or the Trademark Trial and Appeal Board, You have committed infringement in a manner that materially harms Us, and We have the right to seek damages and/or an injunction to remedy the situation until We are made whole.
You may:
Access the Offering for Your personal use (if additional members of Your team need to access the Offering, You must purchase additional Offerings at one per each team member).
Download and/or print any Offering materials for Your personal use in Your business (if additional members of Your team need to download and/or print any materials from the Offering, You must purchase additional Offerings at one per each team member).
Use Our trademarks and copyrighted materials with Our consent and proper credit and marking, namely, citing ©Prismatic Growth as the source of the materials and marking any federally registered trademarks with ® or common law trademarks with ™.
You may not:
Re-sell or trade Your access to the Offering.
Share the Offering with anyone else who has not yet purchased it or opted in to receive it.
Reprint or republish any of the Offering, in part or in whole.
Distribute any of the materials contained in the Offering or related materials and/or communications as Your own, otherwise known as stealing.
Reproduce and tweak any part or whole of the Offering for distribution as Your own work.
Upload or paste Our paid Offering materials into AI tools to copy, recreate, resell, or train a model on them.
Claim ownership or use over any of Our intellectual property without Our prior consent, which includes (but is not limited to): copyrights such as course materials, worksheets, workbooks, lessons, videos, and more; trademarks such as names, logos, taglines, or other unique source identifiers; or trade dress including the look and feel of the Offering (and its related communications and materials).
Use Our Offering or any related materials and/or communications in an unlawful way or for any illegal or unlawful purpose(s).
REQUEST FOR PERMISSION TO USE CONTENT
If You wish to use, publish, or access any of Our content, Offering(s), or related materials, You must do so by requesting permission prior to commencing use of the same by emailing Us at info@prismaticgrowth.com.
CIVIL AND CRIMINAL PENALTIES
Even though Our Offering is not necessarily something You can physically hold in Your hand and walk away with, it is nevertheless considered theft to steal, infringe, or otherwise violate these Terms and Conditions of Use. We reserve the right to prosecute infringers to the fullest extent allowed by criminal or civil statute in any jurisdiction allowed. You explicitly consent to personal jurisdiction in Illinois by opting into or purchasing any Offering or accessing its related communications and/or materials.
YOUR MATERIALS AND CONTRIBUTIONS
By submitting a comment, photo, video, or other material(s) onto any website or platform owned or maintained by Us, including but not limited to third-party access sites, such as Our Facebook group(s) or online software platforms that We use to distribute Our Offerings and related materials, You agree that We have a non-revocable, commercial license to re-publish Your submission in whole or in part unless You explicitly state that We may not do so with said submission. You have no right to privacy in what You post in group or public spaces, and We reserve the right to disclose Your participation in the same.
MODEL RELEASE
You must own the copyright to any image(s) You use by default or voluntarily on Our platforms or in Our Offerings or related materials. You grant Us a commercial license to any image(s) You submit to Us by default, such as a Facebook profile photo or other profile image You voluntarily provide in accessing the Offering, or voluntarily upon Our request. Such a default or voluntary release of Your image and likeness may be used for any reasonable future business use.
NOTIFICATION OF USE
We are not obligated to notify You or anyone in photographs of Our publication or other use of any image or images You submit by default or voluntarily.
SECURITY AND ASSUMPTION OF RISK
SECURITY
It is Your responsibility to secure Your username and password from theft or any other means of unauthorized use that would violate these Terms and Conditions of Use. We do not store any whole credit card numbers or payment information, and instead, these are processed through third-party processors such as Stripe. By utilizing these payment processors to gain access to the Offering, You indemnify Us and instead assume any and all risk or liability for the security of the payment details, and agree to be bound by the third-party payment processor’s applicable terms and conditions of use.
CONFIDENTIALITY
We keep what You share in private coaching sessions and private client communications confidential. We may share it only with Your permission, with service providers who help Us deliver Our Services (as listed in Our Privacy Policy), when the law requires it, or when We believe someone’s safety is at serious risk. Anything You post in a group setting, such as a community, group call, or comment, is not confidential.
ASSUMPTION OF RISK
By accessing Our Offering and/or related materials, whether paid or unpaid, You assume all the risk of Your access and any subsequent actions You choose to take as a result of the influence, information, or educational materials provided to You.
YOUR COMMUNICATIONS
Any communications made through Our “contact” page, blog, blog comments, newsletter sign-up, or other related pages, or directly to Our phones or mailing or email addresses, are not held privileged or confidential and are subject to viewing and distribution by third parties. We own any and all communications displayed on Our website, servers, comments, emails, or other media as allowed by US law, and will not give credit or pay royalties for unsolicited user-generated content such as blog comments or emails. For more information on when and how We store and use Your communications or any data provided by You in those communications, please refer to Our Privacy Policy. This section does not apply to private coaching sessions or private client communications, which are covered by “Confidentiality” above.
We maintain a right to republish any submission in whole or in part as reasonably necessary in the course of Our business. You agree not to submit any content or communications that could be illegal or serve an unlawful purpose, including, but not limited to, communications that are potentially libelous or maliciously false, obscene, abusive, negligent, or otherwise harmful or inappropriate.
USE OF ARTIFICIAL INTELLIGENCE (AI)
How We use AI. We use AI tools to help create and organize Our content, Digital Products, and client materials. A human reviews everything before it is published or delivered. Our Privacy Policy explains how We handle Your information when AI is involved.
Call recording. With Your permission, We may record live calls using an AI notetaker. We will tell You before recording, and You may ask Us not to record.
AI features in Our Offerings. Some Digital Products and Free Resources use AI to generate responses. AI output can be wrong, incomplete, or a poor fit for Your situation. It is for education and information only, not medical, mental health, legal, or financial advice. Use Your own judgment before acting on it.
What You enter. Do not enter other people’s private information, or anything You don’t have the right to share, into Our AI-powered tools.
AI and Our intellectual property. You may not upload or paste Our paid Digital Products, course materials, or worksheets into AI tools to copy, recreate, resell, or train a model on them. Using AI privately to help You apply a product to Your own life or business is fine.
DISCLAIMERS
Our website and related materials are provided for educational and informational use only. You agree to indemnify and hold harmless Our website and company for any direct or indirect loss or conduct incurred as a result of Your use of Our website and any related communications, including as a result of any consequences incurred from technological failures such as a payment processor error(s) or system failure(s).
While We may reference certain results, outcomes, or situations on this website, You understand and acknowledge that We make no guarantee as to the accuracy of third-party statements contained herein or the likelihood of success for You as a result of these statements or any other statements anywhere on this website. If You have medical, legal, or financial questions, You should consult a medical professional, lawyer, or CPA and/or CFP respectively. We expressly disclaim any and all responsibility for any actions or omissions You choose to make as a result of using this website, related materials, products, courses, or the materials contained herein.
This website is updated on a regular basis and while We try to make accurate statements in a timely and effective manner, We cannot guarantee that all materials and related media contained herein are entirely accurate, complete, or up to date. You expressly acknowledge and understand that any information or knowledge You gain as a result of using this website is used at Your own risk. If You should see any errors or omissions and would like to let Us know, please email Us at info@prismaticgrowth.com.
EARNINGS DISCLAIMER
You agree that You understand individual outcomes will vary. Case studies or testimonials are not indicative of typical results. Each individual approaches Our Offering(s) with different backgrounds, disposable income levels, motivation, and other factors that are outside of Our control. Therefore, We cannot guarantee Your success merely upon access or purchase of Our Offering(s) or related material(s).
GENERAL DISCLAIMER
To the fullest extent permitted by law, We expressly exclude any liability for any direct, indirect, or consequential loss or damage incurred by You or others in connection with Our Offering(s), including without limitation any liability for any accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of data, loss of goodwill, wasted time, and for any other loss or damage of any kind, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. We are not medical, legal, financial, or other professionals, or if We are, during the course of this Offering and related material(s), We are not offering Our professional services and You expressly agree We are not acting in any professional capacity, including medical, legal, financial, or otherwise during the course of this Offering. This Offering is for educational and informational purposes only. None of the Offering or its related material(s) should be construed as medical, legal, or financial advice.
THIRD PARTY DISCLAIMER
You acknowledge and agree that We are not liable for any defamatory, offensive, or illegal conduct of any other participant or user, including You.
WARRANTIES DISCLAIMER
WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS. YOU AGREE THAT PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED, CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE WEBSITE, OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT, OR SERVICES MATERIALS, OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE.
TECHNOLOGY DISCLAIMER
We make reasonable efforts to provide You with modern, reliable technology, software, and platforms from which to access Our Offering(s) and related material(s). However, in the event of a technological failure, You accept and acknowledge Our lack of responsibility for said failure, and while We will make reasonable efforts to support You, some technological issues are far outside Our control and will require You to access support from a third-party provider, such as Stripe, Skool, or Kit.
ERRORS AND OMISSIONS
We make no warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information in Our Offering(s). We are not liable for any inaccuracies, errors, or reliance on personal opinions contained in Our Offering(s) or related material(s).
INDEMNIFICATION, LIMITATION OF LIABILITY, AND RELEASE OF CLAIMS
INDEMNIFICATION
You agree at all times to indemnify and hold harmless Our Company, as well as any of Our affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees, as applicable, from and against any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees and expenses, arising out of or related to Our Offering(s).
LIMITATION OF LIABILITY
We will not be held responsible or liable in any way for the information, products, or materials that You request or receive through or in relation to Our Offering(s). We do not assume liability for any third-party conduct, accidents, delays, harm, or other detrimental or negative outcomes as a result of Your access of Our Offering(s) and related material(s).
AFFILIATES
This site may use affiliate links to sell certain products or services. We disclaim any and all liability as a result of Your purchase through one of these links. We will use reasonable efforts to notify You when and where We have placed affiliate links in addition to this disclaimer located in these Terms and Conditions. You accept express liability for any and all consequences or benefits of clicking the affiliate links contained on this website or related communications.
TERMINATION
If at any time We feel You have violated these Terms and Conditions, then We shall immediately terminate Your use of Our website and any related communications as We deem appropriate. It is within Our sole discretion to allow any user’s access of Our website, and We may revoke this access at any time without notice, and if necessary, block Your IP address from further visits to Our site(s).
FINANCIAL CONSIDERATIONS
REFUNDS
We take Your investment seriously, and We’d appreciate it if You took Our investment of time and resources into Your success seriously, too.
Digital Products. Because Digital Products are delivered instantly and can’t be returned, all sales of Digital Products are final once You have been given access or a download, unless the product page says otherwise. If a file is broken or You can’t access what You bought, email Us within 14 days and We will fix or replace it.
Memberships. You can cancel any time, as described in “Memberships and Automatic Renewal” above. Payments already made for the current billing period are not refunded.
Programs and Services. Refunds are given only as stated on the sales page or in Your client agreement.
Customers in the UK and EU. If You live in the UK or EU, You normally have 14 days to cancel an online purchase. When You buy a Digital Product and ask for immediate access, You agree that delivery starts right away, and You acknowledge that You lose this right to cancel once access or download begins.
Your legal rights. Nothing in these Terms limits any consumer rights that cannot be waived under the law where You live.
LATE PAYMENTS
Payments on payment plans and invoices are due on the agreed dates. If a payment is more than 14 days late, We may pause Your access and charge interest of 1.5% per month (18% per year) on the overdue amount, or the maximum rate allowed by law, whichever is lower. If a balance is more than 30 days overdue, We may refer it to a collections agency. You agree to pay reasonable collection costs, including attorney’s fees, where the law allows.
CHARGEBACKS
You agree to make every attempt to request a refund from Us before attempting a chargeback with Your financial institution. In the event of a chargeback attempt, You expressly agree to forfeit any and all of Our bonuses, affiliate bonuses, or other materials afforded to You in exchange for Your original purchase of Our Offering. We reserve the right to present proof of Your access and these Terms and Conditions of Use to the financial institution investigating the dispute.
RECURRING PAYMENTS AND PAYMENT PLANS
If You choose a payment plan or a Membership, You authorize Us and Our payment processor, Stripe, to charge Your payment method on file on each scheduled date. For a payment plan, charges continue until the full price is paid. For a Membership, charges continue until You cancel. If a payment fails, We may retry it and pause Your access until it’s resolved. A payment plan is a commitment to the full price: cancelling access does not cancel the remaining payments.
REVOCATION OF ACCESS
You have the unilateral right to terminate Your use and access to any of Our Offering(s). Please send an email to info@prismaticgrowth.com to initiate this process. To cancel a Membership, see “Memberships and Automatic Renewal” above. Termination will not excuse You from remaining payments on a payment plan. Upon confirmation of Your termination, any outstanding balance becomes due and payable. Any balance that remains unpaid 14 days after the date of termination may be sent to a collections agency, and You agree to be responsible for reasonable costs of collection, including attorney’s fees and court costs, where the law allows.
DISPUTE RESOLUTION
If You and Our Company cannot find a resolution to a dispute or potential claim by means of good-faith negotiation, then You explicitly agree to make a reasonable attempt to resolve any such dispute through Alternative Dispute Resolution or Mediation before filing a civil cause of action.
REVIEWS AND CONDUCT
We welcome honest feedback and reviews, and nothing in these Terms limits Your right to post an honest review of Our Offerings. We may remove anyone from a community, Program, or Membership who harasses or threatens Us or other members, or who makes knowingly false statements about Us, other members, or Our Offerings. We reserve all legal rights regarding defamation.
ENTIRE AGREEMENT
Before You register with Our website or make any purchases, You will be asked to consent to Our Privacy Policy. If You have consented, or once You do consent, the terms of the Privacy Policy together with these Terms and Conditions constitute the entire agreement between site users and Our company relating to the use of this website, except where You have signed a separate client agreement with Us, which will control for the Services it covers.
LAW AND JURISDICTION
These Terms and Conditions of Use and Privacy Policy are governed by and construed in accordance with US law and the laws of the State of Illinois. Any dispute arising out of or related to the information contained herein is subject to adjudication in the State of Illinois.
CONSENT
By using Our website, You hereby consent to Our Terms and Conditions of Use and Privacy Policy.
If You require any more information or have any questions about Our Terms and Conditions of Use or Our Privacy Policy, please feel free to contact Us by email at info@prismaticgrowth.com.
ALL RIGHTS RESERVED
All rights not expressly granted in these Terms and Conditions of Use and Privacy Policy are reserved by Company.
SEVERABILITY
If any part of these Terms and Conditions of Use and Privacy Policy is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect.
CONTACT INFORMATION
F&M Enterprises, LLC d/b/a Prismatic Growth
586 Four Seasons Blvd, Aurora, Illinois 60504, United States
Email: info@prismaticgrowth.com
Contact form: prismaticgrowth.com/contact