Brooke Lennon LLC, doing business as "MagniFI Your Life," (hereinafter referred to as “The Company,” “We,” “Us,” or “Our”) and its owner Stephanie Lennon, stand behind all of their products. Your satisfaction is very important to us. Any and all purchases made from us (including all related website properties, sales over the phone, and live event on-site purchases) are covered by the following policies.

General
All content is for educational and informational purposes. We will never provide relationship, legal, investment, professional, tax, financial, or medical advice. Consult with your legal, investment, professional, tax, financial, or medical professionals before taking action on information you receive from us. There is no assumption of responsibility for any errors or omissions that may appear in any program materials, video, and/or written information. You agree to take full responsibility for any results you receive from use of any products or services received from us, whether paid or free.

The Company is not a licensed medical professional, healthcare provider, or psychotherapist. Any information provided by us or on this website related to holistic health or wellness is for informational and educational purposes only and is not a substitute for professional medical, psychological, or psychiatric care. Always consult with a qualified healthcare professional regarding any medical condition or health concern.

No Guarantee of Results
We do not guarantee that you will achieve any specific financial, health, or other results or earn any specific amount of income or reach any particular goal from purchasing our products and/or services. The information provided is provided only on an informational basis and is only for your personal use. If you use such information, you do so at your own risk and are solely responsible for any decisions and actions that result from your decision to use of such information. 

Achieving Financial Independence, entrepreneurship and real estate investing involve risk and hard work. Always consult with your financial, tax, legal and business professionals. Any testimonials showing our success or our students’ success are not to be interpreted as common, typical, or expected.

Privacy Policy
Please review our Privacy Policy, which also governs your visit to our website and any purchases made on our website.

Physical Products and “Merch”
Most apparel items are fulfilled by 3rd party suppliers and are printed on demand when you place your order. As such, we cannot refund or exchange the item if you ordered the wrong size, have buyer’s remorse, provide your address incorrectly, or have an unclaimed shipment returned to our 3rd party fulfillment center. Shipments that go unclaimed and are returned will be liable for the cost of a reshipment. If any address is considered insufficient by the courier and is returned, you will be liable for reshipment costs once we have confirmed an updated address with you.

Any claims for misprinted/ damaged/ defective items/packages lost in transit must be submitted directly to our customer service department within 30 days. You can contact our Customer Service Department via email at MagniFIYourLife@gmail.com and we will work with the 3rd party supplier to seek a remedy.

If you are not completely satisfied with any other purchases not from our 3rd party fulfillment center, simply return the physical product in NEW condition, along with proof of purchase, within 30 days and you will receive a full refund (less shipping and handling). You can contact our Customer Service Department via email at MagniFIYourLife@gmail.com for refund procedures or if you do not know if your product is from our 3rd party fulfillment center. Please be advised that shipping costs to and from the fulfillment center or us are not reimbursed.

Digital Download Products
1. Strict No-Refund Policy
There are no refunds at all on any digital products, online courses, or downloadable content. We do not accept any verbal modifications of these Agreements, and the “no refund and no cancellation” policy stated in these Agreements is strictly adhered to. By completing a purchase for digital content, you agree to these Terms of Service and Refund Policy, including that you agree not to initiate a chargeback for any services rendered or for digital products that have been delivered.

2. Definition of "Lifetime Access"
When a product is sold with "Lifetime Access," the term "Lifetime" refers to the lifetime of the product, not the lifetime of the buyer or the Company. You will have access to the course materials for as long as the product is available and supported by MagniFI Your Life.

If the Company decides to retire, discontinue, or remove the product, we will provide you with a reasonable notice period (minimum 30 days) to download any available downloadable materials before access is terminated.

"Lifetime Access" does not apply if your account is terminated due to a violation of these Terms of Service.

3. Definition of "Updates"
When a product is sold with "Lifetime Updates," this refers to updates to the core curriculum of the specific product purchased.

Included: Updates to fix technical errors, broken links, or factual inaccuracies relative to the existing material as of the date of recording.

Excluded: "Updates" do not include new courses, "Version 2.0" overhauls that are sold as separate products, expansions, add-on modules (such as future Teen or Young Adult curriculums), or new coaching tiers. If any information changes due to regulatory actions (e.g., tax brackets or IRA contribution limits which may increase year over year) after the date of recording, updates may or may not be made at the sole discretion of the Company.

4. Access & Delivery
Digital Access is deemed fully delivered when the email containing the access link or download instructions is sent to the email address used to sign up.

If you do not receive the digital access link within 5 calendar days of purchase, it is incumbent upon you to email MagniFIYourLife@gmail.com to inform the Company. If you have not sent an email to notify the Company that you have not received the link, and our records show the email was delivered, the digital assets are deemed fully delivered. Please check your spam/junk mail folder first.

If you have any problems accessing the digital content you have purchased, please contact our Customer Support Department immediately at MagniFIYourLife@gmail.com so we can resolve the issue.

5. License & Intellectual Property
Purchase of an online training module or digital download grants a Single Household License to the buyer. You may use these materials for your own personal family use. You do NOT have the right to share, reproduce, distribute, upload to public servers, or resell the product in any way.

Intellectual Property and Confidentiality
You acknowledge and agree that all products, services, materials, videos, audio recordings, documents, methodologies, formulas, and any other content provided by The Company (collectively, “Proprietary Content”) are the sole and exclusive intellectual property of The Company. This Proprietary Content is protected by copyright, trademark, and other laws. Your purchase grants you only a limited, non-exclusive, non-transferable, revocable license to use the Proprietary Content for your personal, non-commercial use only.

You are strictly prohibited from sharing, copying, reproducing, distributing, modifying, publishing, selling, licensing, or otherwise exploiting the Proprietary Content for any commercial purpose or in a way that competes with The Company. Furthermore, you agree that any non-public information, proprietary methods, or trade secrets disclosed to you during coaching or within our programs is considered Confidential Information.
You agree not to disclose, divulge, or use this Confidential Information for any purpose outside of your personal use, both during and after the termination of your relationship with The Company.

Any violation of this Intellectual Property and Confidentiality section shall be considered a material breach of these Terms of Service and may result in the immediate termination of your access to the Services without refund, legal action, and a demand for monetary damages.

Gift Certificates, Coupon Codes, Promo Codes, and Offers
If you have received a coupon code for free merchandise or a gift certificate for merchandise from the Company or any of its affiliates, the coupon code or gift certificate is only good for a single use and up to the value on the code or card. Any physical items purchased are in accordance with the refund policy and digital products are nonrefundable and not eligible for exchange or store credit. Gift Certificates and Coupon codes shall expire twelve (12) months from their date of issue, unless otherwise specified.

Offers/Coupons cannot be used in conjunction with each other unless otherwise stated. Coupons are only valid during the advertised promotion period. Prices are subject to change without notice. Gift Cards are non-refundable.

Promo Codes may not be combined with other offers. They may expire at any time and may be limited to a fixed number of redemptions on a first come first serve basis.

Coaching and Professional Services
All one-on-one coaching, paid speaking engagements, and live in-person events may be governed by a separate, written agreement between you and The Company. In the event of any conflict between the terms herein and the terms of a specific Coaching or Speaking Agreement, the terms of the specific written agreement shall control.

Live Event Terms of Service
Each Live Event may have different Terms of Service depending on its location, the Live Event Venue, and the Live Event Content. Please see the designated website for the Live Event for a complete set of its Terms of Service as it pertains to that specific event.

Programs that Offer Free Access to Live and/or Virtual Events
Any purchase of a program, event, product, or service that offers a gratis or bonus ticket to any live or virtual event is subject to availability and is forfeited if not redeemed within twelve (12) months {one (1) year} from the date of purchase. It is incumbent on the purchaser to reserve the seat and redeem the bonus or gratis ticket. The Company will not send reminders to the Purchaser, so please track any gratis or bonus items received from a purchase. The Company reserves the right to exchange any gratis or bonus items for those of equal value due to availability or participation. Gratis or bonus items do not have any monetary value, are not transferable, may not be substituted or exchanged by the purchaser, are not eligible for a store credit and may not be extended past twelve (12) months {one (1) year} for redemption.

Any purchase of a program, future event, product, or service purchased during a live event may be also subject to the Terms of Service for that specific event, so please be sure to read those as well.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE

Offers and discounts may not be combined.
We reserve the right to discontinue or replace any bundled items with suitable replacements, including event tickets. We also reserve the right to cancel and terminate any ticket if the Purchaser or holder of that ticket violates the Company’s Terms of Service with which the ticket was granted. Purchased tickets do not guarantee a reserved seat. Once you have purchased a ticket, please check for notification regarding when and how to reserve your seat. Notifications will ONLY be sent to the email you provided when you purchased the ticket.

Purchases that Include Off Site Activities that Require a Waiver
If you have purchased a product or program that includes a form of physical activity that is either on or off the premises of The Company or its chosen venue, then you shall assume all liability and shall release, defend, indemnify, and hold The Company, its affiliates, and their respective employees, officers, directors, and agents (all as indemnified parties) free and harmless from and against all losses in connection herewith in respect of injury to or death howsoever arising and whether or not caused by the negligence (whether sole, joint, or concurrent, or active or passive) of the indemnified parties, except to the extent such loss is caused by the gross negligence or willful misconduct of an indemnified party.

Purchases from an Affiliate
Any purchase made through a third-party affiliate is subject to the affiliate’s terms and conditions. Any requests from refunds should be made directly to the affiliate from whom the product or service was purchased. Be sure to save your invoice and receipts from any affiliate purchase so that we may direct you to the proper party should an issue arise.

Purchases from Amazon
Any books or merch purchased directly from the Amazon platform (including Kindle and physical books) are governed exclusively by Amazon’s own published policies for returns, refunds, exchanges, and customer service. The Company is not able to process refunds or returns for items purchased directly through Amazon.

Account Status
If your account is in arrears or not in good standing for any reason, then any special offers, flash sales, deals, bonuses, gifts with purchase, coupons, discounts and incentives are not available for use.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE FROM AFFILATES, SPONSORS OR CO-VENTURERS
From time-to-time, The Company may host, co-host or co-venture with an affiliate, business associate or sponsor at an event or for a special promotion. As such, some of the items or deals may not be purchased from The Company. If you purchased an item from an affiliate, business associate or sponsor you are subject to the terms of their purchase, and we are not able to provide any exchanges or refunds. Please contact the affiliate, business associate or sponsor on your receipt from your purchase for their policy and instructions.

Any item purchased from an affiliate that is to be fulfilled by an affiliate will require the purchaser to communicate with the affiliate regarding any customer service or technical issues. We cannot guarantee or provide a refund or credit on items we do not fulfill.

Linked Sites
The Site may contain links to third party websites (“Linked Sites”). These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by The Company of any information, materials, products, or services contained in or accessible through any Linked Site. In no event shall The Company be responsible for the information contained on any Linked Site or your use of or inability to use any Linked Site. When you access Linked Sites, you do so at your own risk, and subject to the Linked Site’s terms and policies.

Indemnification
To the fullest extent permissible by law, you agree to defend, indemnify, and hold The Company and its directors, officers, employees, affiliates, representatives and agents harmless from any claim, demand, loss, damage, liability, or expense, including attorney fees and costs, however incurred, including those incurred at trial, in any bankruptcy proceeding, on appeal, and on any petition for review (collective, “Damages”) to the extent that Damages result directly or indirectly from your use of the Services or the Site. The Company reserves the right to assume, at its sole expense, the exclusive defense and control of any such claim or action and all negotiations for settlement or compromise, and you agree to fully cooperate with The Company in the defense of any such claim, action, settlement or compromise negotiations, as requested by The Company.

Limitation of Liability and Damages
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL THE COMPANY OR ITS DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES AFFILIATES OR AGENTS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES OR THE SITE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY HAS OFFERED ITS SERVICES AND ENTERED INTO THE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN, THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND THE COMPANY, AND THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY. THE COMPANY WOULD NOT BE ABLE TO PROVIDE THE SERVICES TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS. Please note that some jurisdictions may not allow the exclusion of implied warranties or limitation of incidental or consequential damages, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. 

IN ALL CASES, THE COMPANY'S ENTIRE LIABILITY TO YOU, AND YOUR SOLE AND EXCLUSIVE REMEDY, FOR ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR PURCHASE AND/OR USE OF ANY PRODUCTS OR SERVICES, REGARDLESS OF THE FORM OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE), SHALL BE STRICTLY LIMITED TO THE AMOUNT YOU PAID TO THE COMPANY FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM.

The Company assumes no responsibility for, and shall not be liable for, any damages to or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site. We do not, and cannot, guarantee that any User is an “accredited investor,” as defined by Rule 501 of Regulation D under the Securities Act of 1933, as amended.

Notice
Except as explicitly stated otherwise, legal notices to The Company should be emailed to MagniFIYourLife@gmail.com. Legal notices to you will be provided either to the email or mail address you provide to The Company during the account registration process or posted on the Site. Notice will be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Notice will be deemed given three days after the date of mailing or posting on the Site, as applicable. You agree that all notices and other communications that The Company provides to you electronically (by email or by posting on the Site) satisfies any legal requirement that such notice or communication be in writing.

Arbitration
Any dispute, question or difference arising between you and The Company, its officers, directors, employees or any affiliate in connection with the Services or otherwise in regard to the relationship of the parties by virtue of these Terms, including the construction and scope of these Terms, that cannot be amicably resolved, shall be finally settled in accordance with Commercial Arbitration rules and regulations of the American Arbitration Association (“Association”) then in effect by one or more arbitrators mutually selected by the parties from the commercial panel of the Association. The arbitrator(s) to be appointed shall be English speaking persons. The arbitrator(s) shall have the power to extend time for pronouncing the award with the consent of the parties. Judgment upon an arbitration may be entered in any court having competent jurisdiction thereof, and shall be binding, final and non-appealable. The arbitrator(s) shall have the power to award any and all remedies and relief whatsoever that is deemed appropriate under the circumstances, including, but not limited to, money damages and injunctive relief. This arbitration provision shall be deemed to be self-executing and shall remain in full force and effect after the expiration or termination of these Terms. In the event any party fails to appear at any arbitration proceeding, an award may be entered against such party by default or otherwise notwithstanding said failure to appear. You hereby consent to arbitration to be held within the City of Richmond, Virginia, and irrevocably agree that all actions or proceedings relating to these Terms shall take place in the City of Richmond and waive any objections that you may have based on improper venue or forum non conveniens. The arbitrator(s)’ fees in connection with any such arbitration proceeding shall be shared equally between the arbitrating parties.

Choice of Law
The Terms and your use of the Services shall be governed by and construed and enforced in accordance with the laws of the Commonwealth of Virginia, without regard to conflicts of laws provisions. YOU HEREBY WAIVE YOUR RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY CLAIM, ACTION OR PROCEEDING, DIRECTLY OR INDIRECTLY, ARISING OUT OF, OR RELATING TO, THESE TERMS OF SERVICE TO THE FULLEST EXTENT PERMITTED BY LAW. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

Force Majeure
Neither party will be responsible for failure to perform any obligation under these Terms due to causes beyond the reasonable control of such party, including but not limited to strikes, lockouts, riots, epidemics, war, government regulation, fire, flood, natural disasters, Acts of God, or inadequacies of equipment, or other cause beyond the reasonable control of such party.

Severability
If any provision of the Terms is found unenforceable, that provision will be deemed to be modified to the extent necessary to make it enforceable, while preserving its intent. If any provision of the Terms is nonetheless held unenforceable in any jurisdiction, the provision will be enforced to the maximum extent permissible in that jurisdiction, and the enforceability of the Terms in any other jurisdiction and of the remaining provisions in that jurisdiction will not be affected. You further agree to replace such void or unenforceable provision of this Agreement with a valid and enforceable provision that will achieve, to the extent possible, the economic, business and other purposes of such void or unenforceable provision.

Electronic Signatures in Global and National Commerce Act/Uniform Electronic Transactions Act
The Federal Electronic Signatures in Global and National Commerce Act (“ESIGN”) and similar state laws, particularly the Uniform Electronic Transactions Act (“UETA”), authorize the creation of legally binding and enforceable agreements utilizing electronic records and signatures. ESIGN and UETA require businesses that want to use electronic records or signatures in consumer transactions to obtain the consumer’s consent to receive information electronically. When a User registers on the Site, we obtain his or her consent to transact business electronically and maintain electronic records in compliance with ESIGN and UETA requirements. Your use of electronic signatures to sign documents legally binds you in the same manner as if you had manually signed such documents. The use of electronic versions of documents fully satisfies any requirement that such documents be provided to you in writing. If you sign electronically, you represent that you have the ability to access and retain a record of such documents. You agree that you are responsible for understanding these documents and agree to conduct business by electronic means. You are obligated to review the Site periodically for changes and modifications and agree not to contest the admissibility or enforceability the Site’s electronically stored copy of this Agreement in any proceeding arising out of this Agreement. Although you consent to electronic delivery, you may elect to deliver communications by other means and such delivery shall not affect your consent. You may revoke consent to electronic delivery of communications and receive a paper version at your election. The Company shall have a reasonable period to effect such a change. If you elect to use electronic delivery, you agree and represent that you have a suitable computer with Internet access, an email address and the availability to download, save and/or print communications to retain a record of such communications. You agree that you are solely responsible for maintaining such equipment and services required for online access.

Waiver and Integration
A provision of these Terms may be waived only by a written instrument executed by the party entitled to the benefit of such provision. The failure of any party at any time to require performance of any provision of these Terms will in no manner affect such party’s right at a later time to enforce the same. A waiver of any breach of any provision of these Terms will not be construed as a continuing waiver of other breaches of the same or other provisions of these Terms. These Terms of Service and other referenced materials are the entire agreement between you and The Company with respect to the Services and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and The Company with respect to the Services and govern the future relationship.

Changes to the Terms
Your use of the Site and the Services is governed by the then-current version of the Terms in effect on the date of such use. The Company may, at its sole discretion, modify the Terms and/or other policies and procedures governing the Service at any time without notice or liability by posting the modified Terms, policies, or procedures to the Site. The date of any effective changes shall be reflected at the bottom of this page, and, upon request, we will provide you with information regarding any changes made. Your continued use of the Services after modified Terms have been posted or otherwise provided to you constitutes your agreement to be bound by the then-current Terms.

By purchasing any item, product, or event from this website, you acknowledge and agree to be bound by the terms and conditions set forth in these Terms of Service and Privacy Policy. If you do not agree to these Policies, please do not purchase anything, or enter into any transaction with us.
Be sure to return to these Terms of Service periodically to review the most current version of these Terms of Service. We reserve the right at any time, at our sole discretion, to change or otherwise modify these Terms of Service without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page and upon request we will provide you with information regarding any changes made. This policy was last updated on November 24, 2025.