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Product and Service Enrollment and Cancellation Policy

Last Updated on December 15, 2023

This document constitutes a legally binding agreement between Secret To Life™ (‘STL’), a D.B.A of JQS Enterprises Inc., and you, the (‘Client’), upon purchasing an interactive coaching or private client program (‘Client Package’), group program (‘Group Coaching’), or an online product (‘Digital Product’) or digital program (‘Online Program’) to be serviced by a representative of STLI (‘Practitioner’).

By enrolling through our online enrollment process in a Client Package, Group Coaching, Digital Product, or Online Program, and your acknowledgment of the terms herein, you knowingly and willingly agree to the following terms.


Payment for services/products is due immediately upon enrollment. In the event of default, the Client has ten (10) days to rectify the situation. A late fee of eight percent (8%) will apply. Returned checks or declined credit card charges will incur a fee of fifty dollars ($50.00).

Any dates and locations listed are subject to change without notice and such changes will not affect the terms of this Cancellation Agreement.


All cancellations must be submitted to STL in writing via a written letter or email. While voicemail will not be an accepted method of cancellation, the Client may call and speak to a representative for a consultation. Cancellation will be considered official from the date written confirmation is received by STL.

Our cancellation agreement is as follows unless stated otherwise: 0-5 days from the date of enrollment: Full refund available (minus merchant fees) for all unused sessions or minutes; 6 or more days after purchase: No refund available.

Concerning individual client sessions (‘Session’) times, if the Client needs to cancel: 24 hours or greater from the time of the appointment: The session can be rescheduled for a later date. Less than 24 hours from the appointment: No refund available under any circumstances. The session is counted as Void.


Client Packages containing individual Sessions are offered as one (1) individual virtual or live interaction per one (1) Session, for the length of time defined in the sales presentation material. Sessions are deemed completed once the agreed session time has commenced, unless otherwise stated by STL.

Once a session has been completed, there is no possibility of a refund as the Practitioner has spent considerable time, effort, and energy. If you have questions or concerns, please call or email our team.

Sessions have a finite length of time, as listed during the enrollment process; however, as deemed necessary, STL may increase the time spent on behalf of the client. The Client also acknowledges that if the agreed-upon situation is resolved sooner than the finite length for that particular Session, the Session is considered complete once both parties agree the agreed situation was resolved successfully.


Sessions purchased through STL are activated and available once payment has been made to cover the cost of the Session. Partial payments only grant the available and use of Sessions equal in value to the payment received. The use of this service is made active and available for what is deemed by STL as adequate and timely, and within a reasonable time for STL to operate efficiently for all customers. Client Packages have specific expiration periods. Extensions are at the sole discretion of STL with no guarantee of extension beyond expiration.

Single Session: 120 calendar days

Client Packages of 4 Sessions: 120 calendar days

12-Week Client Packages: 180 calendar days

6-Month Client Packages: 270 calendar days

Monthly Subscriptions: Expire one month from the last payment

While STL has the ability to extend the program beyond the expiration date, as it deems appropriate for standard business operations, the decision to extend one or more sessions is at the sole discretion of STL and does not imply or guarantee that any additional sessions will be extended.


When you enroll in one of our programs, your satisfaction is fully guaranteed. Enjoy 10 calendar days to review our program, and if you’re not fully satisfied, you can cancel your enrollment for any reason and receive 100% of your investment back, provided that you have not downloaded any online streaming content, bonuses, or support documents. If you're not completely thrilled with the content and the quality of the trainings, simply email, chat, or call our support team, and we will immediately issue a full, complete, and friendly refund of the entire investment received. Upon the 11th calendar day, there is no refund available.


For items that are offered as downloadable upon your purchase, you gain ownership of the item for unlimited, individual personal recreational use, as long as it aligns with the STL company’s values and morals. Any use of the material is at the sole discretion of Personal Use only; not for commercial use.

Unless specifically expressed, online viewing program purchases include a single, original person, unlimited viewing access, for the duration in which the company keeps that program accessible within their catalog of offerings.


If you are paying a monthly subscription or monthly payments, upon a failure to make your payment or the decision to end the membership, your access to the material will be revoked. 

Failure to complete payment will move to revoke your access within 5 days of the payment being late, unless otherwise decided by STL. Once payments have been received, access to continue with the agreed program may be granted at the sole discretion of STL. 

If you are canceling the memberships in good standings, your access will be removed one calendar month from the final received payment. All cancellations must be submitted to STLI in writing via a written letter or email. While voicemail will not be an accepted method of cancellation, the Client may call and speak to a representative for a consultation. Cancellation will be considered official from the date written confirmation is received by STLI.


If you are found in violation of a group’s guidelines, rules, or have been identified as creating a disturbance to the collective experience, STL has the unequivocal ability to revoke your access, cancel any future payments without the obligation to refund any money for previously paid programs, products, services. In the event you are found in violations, STL will do what is within their ability to notify you of the decision and actions taken. Any desire to object and request a reconsideration can be made in writing or through email alone.


Programs declared as monthly, month-to-month agreements with recurring monthly payments grant access for one (1) calendar month of viewing, directly associated with the upcoming month from which the payment was received. Purchase is for viewing access only and granted access information and material only after payment has been successfully collected.

Upon a failure to successfully complete payment or upon cancellation of the monthly access, the Client’s login credentials will be locked, and access to the material with the Institute will no longer be available, except for any Product purchased directly through its dedicated sales page.


Any request to pause a Client Package or Online Program, termed here as a ‘Freeze,’ must be submitted to STL in writing via a written letter or email. A freeze request is only considered valid upon receipt and written agreement to the Client from STL. STL has no obligation to accept and agree to such a request unless previously documented by STL in the purchase of that specific offering.


When explicitly included in writing by STL through the sales page, website information, digital and hardcopy advertisements, or direct written communication, STL will provide direct access support as a valued benefit and bonus to the Client. Direct access support is defined as the ability for the Client to contact a Practitioner at STL for a quick question or request via an online digital message platform, as a compliment to the Client.

If included, the Client will have access to STL for the duration of the package, while the package is in good standing, active, and in use. Access will be provided through various online messaging apps. All attempts will be made within reason by STL and the Client to maintain communication on a secure platform. However, STL acknowledges that the Client is personally responsible for their continued choice of platform if different from what is suggested.

Unless otherwise stated in writing by STL, the Client will have access to contact STL with an inquiry or request for assistance in direct alignment with the specific Program for a maximum accumulation of forty-five (45) minutes per week. A week is defined as the number of weeks within the specific Program. The time allotment is within a week and is not subject to roll-over, extension, or accumulation of any sort. When a package falls out of good standing, via failure to make a payment, being put on Freeze, or other such pause, bonus time is equally excluded until the package is back in good and active standing.

STLI has the ability at its sole discretion to increase the number of minutes its Practitioners will offer this level of support. Any decision to increase access and responses in a particular allotment of time is isolated to that decision alone and does not imply an overall increase.


Complimentary or minimum deposit conversations, offered at the sole discretion of STL, are designed for introduction and client interview purposes.

In cases where the client is specifically asked to pay a refundable deposit, based on specifically defined terms, if the client joins the program, the deposit will be applied to a Program purchase. If the client decides not to join the program, the deposit will be returned to the client within 10 business days of the decision by either party.

If the Exploration Call is canceled: 48 hours or greater from the time of your appointment: The fee is refundable. Within 48 hours from your appointment or in the event of a no-show at the appointed time: No refund is available under any circumstances. Any desire to book another appointment must involve a re-submitted application and a new deposit for a future appointment.


Prior to engaging in any STL program, services, and products, it is recommended that you seek an alternate opinion from a licensed professional in the area in which you are exploring, from medical advice to outside business counsel. All programs are for entertainment purposes only, and you release STL and their third-party associates from any harm or liability as a result of experiencing a purchased program or product.


Email communications can be sent to : [email protected]; Written correspondence can be sent to: 15333 CULVER DRIVE, STE 340 PMB 2130, Irvine California, 92604-3051


Any dispute, claim, or controversy arising out of or relating to your use of our services or products will be resolved through arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration will be conducted by a single arbitrator mutually agreed upon by both parties, and the costs of arbitration shall be shared equally unless the arbitrator determines otherwise. This provision shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.


Except for actions to protect intellectual property rights and to enforce an arbitrator's decision hereunder, all disputes, controversies, or claims arising out of or relating to this Agreement or a breach thereof shall be submitted to and finally resolved by arbitration under the rules of the American Arbitration Association ("AAA") then in effect. There shall be one arbitrator, chosen by mutual agreement of the parties in accordance with AAA rules. The arbitration shall take place in Santa Ana, California, USA, and may be conducted by telephone or online. The arbitrator shall apply the laws of the State of California, USA, to all issues in dispute. The controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The findings of the arbitrator shall be final and binding on the parties and may be entered in any court of competent jurisdiction for enforcement. Enforcement of any award or judgment shall be governed by the United Nations Convention on the Recognition and Enforcement of Foreign Arbitral Awards. Should either party file an action contrary to this provision, the other party may recover attorney's fees and costs up to $1000.00.


The courts of Orange County in the State of California, USA and the nearest U.S. District Court in the State of California shall be the exclusive jurisdiction and venue for all legal proceedings that are not arbitrated under these Terms of Use.


This Agreement shall be construed under the laws of the State of California, USA, excluding rules regarding conflicts of law. The application the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded.


If any provision of these terms is declared invalid or unenforceable, such provision shall be deemed modified to the extent necessary and possible to render it valid and enforceable. In any event, the or invalidity of any provision shall not affect any other provision of these terms, and these terms shall continue in full force and effect, and be construed and enforced, as if such provision had not been included, or had been modified as above provided, as the case may be.


We shall not be liable for damages for any delay or failure of delivery arising out of causes beyond our reasonable control and without our fault or negligence, including, but not limited to, Acts of God, acts of civil or military authority, fires, riots, wars, embargoes, Internet disruptions, hacker attacks, or communications failures.


Services provided are "as-is" for personal development. The Client agrees to hold harmless and indemnify JQS Enterprises, it's agents and Carl Schirtzer and Jenine Lori against any and all claims and actions arising out of the use of these courses, programs, products, and services, including, without limitation, expenses, judgments, fines, settlements and other amounts actually and reasonably incurred in connection with any liability, suit, action, loss, or damage arising or resulting from your participation in the material.


Pursuant to the California Business and Professions Code, STL is around to make the following disclosures: STL is a professional practice that provides products and services that are alternative and complementary to healing arts services licensed by the state. Each Client will be interviewed and if it is determined that the services we provide can be of benefit, STL will provide services in accordance with the education and experience of: 

Neuro-linguistic Programing (NLP) – Use of subconscious principles, patterns and language to increase resourcefulness.

Hypnosis – Methods that bypassing of the conscious mind and offer suggestions that induce change.

T.I.M.E. Techniques – Tools to release unresourceful emotions and experiences.

Emotional Freedom Techniques – For the release of stored energy and internal state management.

Inner-Child Healing– Methods to connect with the foundational aspects of the subconscious.

Systemic Constellations - Techniques to reset, re-align, and renew subconscious patterns and unresourceful programs

Transformational Coaching – Performance enhancement with ongoing perspective, support, and direction.

Neuro-linguistic Programing (NLP) – Use of subconscious principles, patterns and language to increase resourcefulness.

The services do not include the practice of medicine or psychology or any other licensed healing art, since we are not licensed physicians. These services are not licensed by the state, since the state does not license them. STL has practitioners with the following education, training, experience and credentials:

Certified Master Hypnotherapist Certified Master Practitioner of Neuro-linguistic Programming (NLP) Certified TIME Techniques Master Practitioner Certified Master Success Coach Certified Practitioner of Emotional Freedom Technique (EFT) Board Certification by International Board of Coaches and Practitioners 

For questions, comments, or if you need to contact STLI, please email all inquiries to [email protected].  

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