Terms of

LAST UPDATED: August 19, 2022

Victori Media (“Victori Media,” “Her First 100k “us,” “our,” or “we”) created these Terms of Service (the “Terms”) for you to understand the rules that apply when you use the website located at www.herfirst100k.com, visit our social media channels, listen to our podcast “Financial Feminist,” and participate in our live events and workshops offered by us (individually and together, the “Service”). By using the Service, you agree to the following:

1. You Agree to the Terms

You acknowledge that you accept these Terms and our Privacy Policy (incorporated into these Terms by reference). If you don’t agree with the Terms, then you may not use the Service. We reserve the right in our sole discretion to change, modify, add or delete portions of the Terms and the Privacy Policy at any time. If you want to be notified about changes to these Terms and the Privacy Policy, please email contact@herfirist100k.com and we will add you to our notification list. If you continue to use the Service after we make changes, you agree to the changes.

3. License and Restrictions

(a)

Commercially exploiting the Service, meaning you cannot use, sell, lease, or participate in any other activity that serves to generate income from the Service;

(b)

Making a copy of the Service or any portion of the Service, except as allowed under these Terms;

(c)

Using any data mining tools or automation tools such as spiders, scrapers, crawlers, scripts, bots, or any other automated or manual method or process to access, retrieve, index, or reproduce the Service or its contents;

(a) Victori Media Materials

We retain all right, title, and interest in and to the Service and all related patent, copyright, trademark, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right (“Rights”).

(b) User Content

If you provide us with feedback regarding any aspect of the Service, we will own all rights in and to such feedback and any derivative products or services developed from the feedback.

Service

2. eligibility

The Service may not be used by anyone under the age of 18 without the supervision of a parent or legal guardian who agrees to be bound by these Terms. You represent and warrant that you are at least 18 years of age (or the age of legal minority under applicable law), or if not, that you have reviewed these Terms with your parent or legal guardian and that person agrees to be bound by these Terms.

We grant you a limited license to use the Service for your personal use only. You may not use the Service in any way that interferes with our ownership rights in the Service, and we may terminate your access to the Service if you are in breach of these Terms. The following activities may also result in termination of your access to the Service:

(d)

Reverse engineering, decompiling, disassembling, translating, preparing derivative works based on or otherwise modifying the Service, in whole or in part;

(e)

Removing, obscuring or modifying any copyright, trademark or other proprietary rights notices, marks or labels contained on or within the Service, falsifying or deleting any author attributions, legal notices or other labels of the origin or source of the material;

(F)

Misrepresenting the source of ownership of the Service; and

(g)

Conducting any other activity that might be considered illegal or tortious. This includes, without limitation, “hacking” the Service, infringing the intellectual property or other rights of third parties, modifying, altering, translating, reverse engineering, decompiling or disassembling the Service or related documentation or creating derivative works based on the Service.

4. Ownership

(c) Third Party Content

The Service may include third-party content and links to websites or content owned or operated by third parties (“Third Party Content”). We do not own or control any Third Party Content and make no representation or warranties of any kind regarding the Third Party Content. If you use any of these third-party products or services, you assume all risks and liabilities. We may also link to other websites. We have no control over these external websites and will not be liable for any content, advertising, products, or other materials on or available from those external websites. Third parties should have their own terms of service and privacy policies, so be sure to check those out.

(d) Content for Educational and Informational Purposes Only

Our Service is designed to provide you with a general overview regarding finance and investing. It is not designed to be a definitive investment guide or to take the place of advice from a qualified financial planner or other professional. Given the risk involved in investing of almost any kind, there is no guarantee that the investment methods suggested through the Service will be profitable. We will not assume liability of any kind for any losses that may be sustained as a result of applying the methods suggested through the Service, and any such liability is hereby expressly disclaimed.

5. Purchases through the Service

The Service may provide you the opportunity to purchase our products and services directly (“Victori Products”). You may need to provide certain personal information to our third party payment providers (“Payment Providers”) so your purchase of Victori Products can be fulfilled. Payment information provided to Payment Providers is not retained by us. Please see the Privacy Policy for more information. We have the right to limit the sales of Victori Products to any person or geographic location. All descriptions of Victori Products and pricing is subject to change at any time without notice. We also reserve the right to discontinue any Victori Products at any time. We reserve the right to refuse any order you place with us. If we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that appear to be placed by dealers, resellers, or distributors. You agree to provide current, complete, and accurate purchase and account information for all purchases made through the Service.

(a) Victori Products Refund Policy

We hope you love your Victori Products and that you always have a good experience with our brand. However, due to the custom nature of Victori Products, we do not offer any refunds or exchanges on merchandise or digital downloads. If your order is delivered incorrectly or damaged or if you’d like to get in touch with us about an order, please reach out within thirty (30) days of your purchase to contact@herfirst100k.com.

6. Third Party Products and Services

Our Service may include products and services from people or companies that are separate from us (“Third Party Providers”). Examples of Third Party Providers include, without limitation, (a) Payment Providers; (b) the Teachable platform to provide our classes to you; and (c) the products and services we link to on other websites (e.g. a book or podcast). Even though we may link you to Third Party Providers, we have no control over their products or services or the platforms they are offered on. Therefore, we are not responsible for any content, advertising, products, or other materials on or available from Third Party Providers. Please note Third Party Providers may have their own terms of use and privacy policies which you must comply with.

(a) Third Party Products Refund Policy

Refunds of any products and services from Third Party providers are subject to their own policies. We are not responsible. For example, our Signature Courses (Back to Basics, Idea to Income, or Navigating the Negotiation) are offered through Teachable, and is therefore subject to Teachable’s return policy.

7. Affiliate Partnerships

For complete transparency, Victori Media acts as an affiliate for certain Third Party Providers offered through our Service, which means when you sign up or buy a product from the Third Party Provider through the Service, Victori Media receives referral commissions (“Affiliate”).

(a)

Victori Media screens all Affiliates long before we present them to you through our Service. When we onboard an Affiliate into our Service, we make sure to ask a lot of questions of any potential Affiliate in advance and let them know who we are and all the expectations we set out for our Affiliates. We also review third party reviews of any potential Affiliate services and rely on your feedback on how their service is working for you. If you’re not happy, we aren’t happy and take this feedback into consideration as we evaluate our continued relationship with Affiliate.

(b)

You may see testimonials through the Service from other users of the Affiliate services. We do not pay for or edit these testimonials, and we believe that the testimonials reflect the user’s own opinions and experiences regarding the Affiliate.

8. stay connected

In order to access and use the Service, you need to have and maintain adequate internet connection. You are fully responsible for obtaining and maintaining internet access.

9. How We Use Your Personal Information

For information on how we use your personal information while you use the Service, please check out our Privacy Policy.

10. Modifying/Terminating Service

We reserve the right to modify, update, or discontinue our Service, or any features, or portions thereof, without prior notice. You agree that we can suspend or terminate your right to access our Service at any time for any reason without notice, obligation, or liability to you.

11. NO WARRANTIES AND LIMITATION OF LIABILITY

(a)

WE MAKE NO REPRESENTATION, WARRANTY, AND/OR GUARANTEE OF THE SUITABILITY OF THE SERVICE FOR YOUR PURPOSES, OR THAT THE USE OF THE SERVICE WILL BE SECURE, UNINTERRUPTED, ERROR-FREE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR FUNCTION PROPERLY IN COMBINATION WITH ANY THIRD-PARTY TECHNOLOGY, HARDWARE, SOFTWARE, SYSTEMS OR DATA.

(b)

OUR SERVICE IS DESIGNED TO PROVIDE YOU WITH A GENERAL OVERVIEW REGARDING FINANCE AND INVESTING. IT IS NOT DESIGNED TO BE A DEFINITIVE INVESTMENT GUIDE OR TO TAKE THE PLACE OF ADVICE FROM A QUALIFIED FINANCIAL PLANNER OR OTHER PROFESSIONAL. GIVEN THE RISK INVOLVED IN INVESTING OF ALMOST ANY KIND, THERE IS NO GUARANTEE THAT THE INVESTMENT METHODS SUGGESTED THROUGH THE SERVICE WILL BE PROFITABLE. WE WILL NOT ASSUME LIABILITY OF ANY KIND FOR ANY LOSSES THAT MAY BE SUSTAINED AS A RESULT OF APPLYING THE METHODS SUGGESTED THROUGH THE SERVICE, AND ANY SUCH LIABILITY IS HEREBY EXPRESSLY DISCLAIMED.

(c)

THE SERVICE IS PROVIDED “AS IS" AND ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. FURTHER, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SAME, OR TO THE INFORMATION, CONTENT, COMMUNICATIONS, MATERIALS OR PRODUCTS, AND SERVICES AVAILABLE THROUGH THE SERVICE. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

(d)

WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF THE SERVICE INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY TO YOU WILL NOT EXCEED THE GREATER OF $1,000 OR THE TOTAL AMOUNT YOU HAVE PAID US FOR THE SERVICE. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Indemnity

You will indemnify, defend, and hold Victori Media, its partners, affiliates, contractors, officers, directors, employees and agents harmless from and against any and all damages, losses and expenses arising directly or indirectly from your acts or your failure to act when using the Service.

13. Accessibility

14. Disputes and Claims.

(a) Notice of Dispute or Claim

You will not file any legal action against Victori Media in any forum without submitting a detailed description of your dispute or claim to Victori Media at contact@herfirst100k.com ("Claim"). The information you provide to us must include specific information about the Claim such as the nature of the issue, the website page(s) affected by the issue, reference to any legal authority governing the issue, such as citations to state privacy laws, CANSPAM statutes, or similar regulations, and any other information a reasonable person would consider relevant to resolving the issue.

(b) Resolution Process

Victori Media has ninety (90) days to respond to your email notice. If you send more than one (1) email notice, the 90-day response timeline applies separately to each email notice you send. If your issue is not resolved within ninety (90) days, you have thirty (30) days to request an informal mediation about the issue with Victori Media. If Victori Media agrees to mediation, the mediation will take place in Seattle, Washington with a professional mediator to be mutually selected by the parties. The parties will split the costs of mediation equally.

(c) litigation

If a dispute between you and Victori Media cannot be resolved informally or through mediation, litigation may be commenced either in the district court of King County, Washington, for state court cases, or in the United States District Court for the Western District of Washington for federal court cases. Each Party agrees to submit to the exclusive jurisdiction of such courts with respect to any dispute(s) and agrees not to bring any dispute(s) in any other court or adjudicative body. Each Party hereby consents to venue and personal jurisdiction in such courts with respect to such dispute(s) and irrevocably waives any right that it may have to assert that such forum is not convenient or that any such court lacks jurisdiction.

(d) Jury and Class Action Waiver

YOU WAIVE THE RIGHT TO A TRIAL BY JURY, TO PARTICIPATE IN A CLASS ACTION, OR TO SEEK REMEDIES BEYOND THE EXTENT NECESSARY TO PROVIDE INDIVIDUALIZED RELIEF. YOU AGREE NOT TO ACT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED OR DE FACTO CLASS OR REPRESENTATIVE PROCEEDING, OR AS A PRIVATE ATTORNEY GENERAL OR ON BEHALF OF THE GENERAL PUBLIC.

(e) Time Limitation

Any Claims must be filed within two (2) years after the cause of action arose and you waive any statute of limitations to the contrary.

(f) Governing Law/Attorney’s Fees

These Terms will be governed by the laws of Washington without giving effect to applicable conflict of law provisions. The substantially prevailing party in any dispute litigation regarding any Claim will be entitled to recover reasonable attorney’s fees and costs, including expert costs.

(g) Injunctive Relief

Your breach of these Terms is likely to cause immediate and/or irreparable harm to Victori Media. As such, we may seek injunctive relief against you without the need to post bond.

15. general

(a) Our Relationship

You and Victori Media are independent parties and nothing in these Terms creates an employment or agency relationship.

(b) Severability

If any provision of the Terms is held unenforceable for any reason, that provision will be reformed only to the extent necessary to make it enforceable and such decision will not affect the enforceability of such provision under other circumstances.

(c) assignment

The licenses we grant to you are for you and you alone. You may not transfer or assign these Terms or licenses without our express written consent.

(d) section headings

The section headings in the Terms are for reference purposes only and do not in any way affect the meaning or interpretation of the Terms.

(e) waiver

The failure of either you or us to enforce any right or provision in the Terms will not constitute a waiver of such right or provision.

(f) entire agreement

The Terms and the Privacy Policy are the complete and final agreement between us regarding your use of the Service.

16. our contact information

If you have questions regarding the Terms, please contact us at contact@herfirst100k.com.