1. Agreement and Acceptance

This Master Purchase Agreement (“Agreement”) governs purchases of products and services offered by Schirtzer Holdings LLC, doing business as Secret To Life (“Secret To Life,” “Company,” “we,” or “us”).

By purchasing, enrolling in, or accessing an offering, the customer (“Client,” “Customer,” or “you”) agrees to this Agreement and any additional terms presented for the specific purchase.

This Agreement is intended to establish shared terms for individual consumers and business customers. Additional written terms may apply to particular offerings and will supplement this Agreement. If specific purchase terms conflict with this Agreement, the specific terms will control only to the extent the conflict is expressly identified and legally permitted. Nothing in this Agreement waives rights that cannot legally be waived.

2. Offerings Covered

This Agreement may apply to the following offerings, as made available by the Company:
- Coaching, consulting, and individual sessions.
- Digital courses, educational materials, and downloads.Astrology-based experiences,
- Group programs, workshops, and facilitated experiences.
- Physical products, subject to the separate Return Policy.
- Memberships and recurring subscriptions, once offered under separate purchase terms.

Not every offering is available at all times. The terms applicable to a purchase will be those presented when the customer orders or enrolls, together with this Agreement and any applicable supplemental terms.

3. Orders, Pricing, and Payment

Prices, payment schedules, included services, and other purchase details will be disclosed before or during checkout.

The customer authorizes the Company and its payment processor to charge the payment method selected for the purchase in accordance with the disclosed terms.

Where an installment plan is offered, the customer remains responsible for the installments disclosed at checkout, subject to applicable law and any applicable cancellation or refund rights.

If a payment is declined or remains unpaid, the Company may suspend access or pause services after providing any notice required by law or the applicable purchase terms.

Fees for late payments, returned payments, or declined payments are not finalized in this draft. Any such fee must be disclosed in advance and reviewed for legal enforceability before use. No fee will be charged where prohibited by law.

4. Refund and Cancellation Policy

The following is the Company's intended general refund framework. It is subject to applicable law, mandatory consumer rights, and attorney review.

4.1 General Five-Day Refund Window

For eligible purchases, a customer may submit a written refund request within five calendar days after the purchase date.

Unless a more specific policy applies, refunds under this general policy are intended to be limited to eligible, unused services or portions of a purchase that have not been delivered or consumed.

The Company may consider the amount of the purchase already fulfilled, used, or delivered when determining an eligible refund, where legally permitted.

The Company does not intend this policy to eliminate any refund, cancellation, or other right required by law.

4.2 Digital Course Ten-Day Guarantee

For eligible digital courses, the Company intends to offer a ten-calendar-day guarantee from the purchase date, provided the customer has not downloaded the course content or accompanying support documents.

To request a refund under this guarantee, the customer must submit a written request within the ten days and meet the stated eligibility conditions.

The precise eligibility conditions, including whether streaming, viewing, partial access, or use of any course materials affects eligibility, must be clearly disclosed before purchase and approved by legal counsel. This guarantee does not restrict any mandatory legal rights.

4.3 Requests Outside the Applicable Window

Except where a separate written policy or applicable law provides otherwise, purchases are not eligible for a discretionary refund after the applicable five-day general refund window or ten-day digital-course guarantee has expired.

The Company may consider exceptional circumstances at its discretion, subject to applicable law. Consideration of one request does not create a general entitlement to the same exception in another case.

4.4 Refund Processing and Deductions

Approved refunds will be processed using the original payment method where reasonably possible. Processing times may depend on the payment processor or financial institution.

Any deduction for payment-processing or merchant fees must be disclosed before purchase and reviewed for legal compliance. No deduction will be made where prohibited by law.

4.5 Separate Policies and Mandatory Rights

Physical products are governed by the separate Return Policy disclosed for the applicable purchase. Additional terms may apply to particular programs or products, but they may not unlawfully override this Agreement or mandatory legal rights.

5. Coaching, Consulting, and Individual Sessions

The scope of each coaching or consulting engagement will be described at purchase or in a separate written proposal, enrollment confirmation, or service description.

The applicable description may specify session length, delivery method, number of sessions, included materials, communication access, and other service boundaries.

Unless expressly included in writing, a purchase does not guarantee unlimited access to the Company, additional sessions, or services beyond the stated scope.

The Company may provide individual sessions remotely or through another method specified for the offering.

6. Session Cancellation and Rescheduling

A customer who needs to cancel or reschedule an individual session must provide at least 24 hours' notice before the scheduled start time.

Requests should be sent using the contact method identified in the booking confirmation or service terms.

Requests received at least 24 hours in advance may be rescheduled, subject to reasonable availability and the terms of the purchased package.

For cancellations made with less than 24 hours' notice, or for missed sessions, the Company intends to treat the session as used unless an exception is approved or applicable law requires otherwise. The specific consequences must be disclosed before purchase.

The Company may make reasonable exceptions for emergencies or unusual circumstances. Exceptions are considered individually and are not guaranteed.

If the Company must cancel or reschedule a session, it will make reasonable efforts to offer a replacement appointment or another appropriate resolution.

7. Package Duration and Reasonable Extensions

Where a purchase includes multiple sessions, a defined program, or a package, the expected duration or completion period will be stated in the applicable purchase terms.

The Company intends to administer package timelines with reasonable flexibility. A customer may request an extension in writing before the package expires, explaining the requested extension and any relevant circumstances.

The Company will consider extension requests reasonably, taking into account factors such as:

- The reason for the request.
- The amount of time remaining and the length of the requested extension.
- Scheduling availability and the nature of the offering.
- Any stated program limits or commitments to other participants.

An extension is not automatic. If approved, its duration, conditions, and revised expiration date should be confirmed in writing.

If a customer anticipates needing additional time, the customer should request an extension as early as reasonably possible. The Company may establish reasonable limits for particular programs when disclosed before purchase.

The Company will not use an extension rule to remove rights that cannot legally be waived.

8. Digital Products and Intellectual Property

Unless a separate written license states otherwise, digital courses, downloads, worksheets, recordings, written materials, and other content supplied by the Company are licensed for the customer's personal, noncommercial use.

The customer may not, without prior written permission:
- Resell, sublicense, distribute, or commercially exploit Company content.
- Share login credentials or provide unauthorized access to paid content.
- Reproduce or republish substantial portions of the content.
- Remove proprietary notices or represent Company content as the customer's own.
- Use Company content to create or sell a competing product in a manner that infringes the Company's rights.

Purchasing digital content does not transfer ownership of the Company's intellectual property.

The Company will identify the type and duration of access offered with each digital purchase. Access may depend on the platform, the continued availability of the program, and the specific terms presented at purchase. Any material limitations on access duration should be disclosed before purchase.

Nothing in this section limits rights that applicable law grants to the customer.

9. Astrological and Personal-Awareness Experiences

Astrology-based offerings, including Living Sky, are intended for personal reflection, self-inquiry, exploration, and entertainment.

They are not a substitute for individualized medical, mental-health, legal, financial, tax, or other licensed professional advice. Customers should consult an appropriately qualified professional for decisions requiring such advice.

Astrological interpretations and reflective prompts are not guarantees of future events or outcomes. Individual experiences, interpretations, and results will vary.

The Company will accurately describe the nature of each offering and the qualifications of the people providing it. Any additional disclosures required for a particular service must be supplied in the applicable enrollment materials.

10. Group Programs and Community Conduct

Participants in group programs are expected to engage respectfully, protect other participants' privacy, and comply with any additional community guidelines disclosed for the program.

The Company may take reasonable steps to address disruptive, abusive, harassing, threatening, or otherwise inappropriate conduct, including restricting participation where warranted.No participant should assume that other participants will keep shared information confidential unless a separate confidentiality commitment applies. Participants should avoid sharing sensitive personal information that they do not wish others to know.

Any removal from a paid program, and the financial consequences of removal, must be handled consistently with the purchase terms and applicable law.

11. Physical Products

Physical products are subject to the separate Secret To Life Return Policy, which should be made available to the customer before purchase.

That policy should explain the applicable return window, product condition requirements, process for reporting damage or fulfillment errors, treatment of shipping charges, and any legally permitted exclusions.

If the Return Policy conflicts with a mandatory legal requirement, the legal requirement will control.

12. Future Memberships and Recurring Subscriptions

This section applies only when the Company expressly offers a membership or recurring subscription, and the customer affirmatively enrolls in it.

Before enrollment, the Company will disclose the applicable price, billing frequency, material terms, renewal structure, cancellation method, and any other disclosures or consent requirements imposed by law.

The customer will not be enrolled in a recurring subscription solely because the customer purchases a one-time product or service.

The Company will provide cancellation methods and notices as required by applicable law. Any automatic renewal, trial, promotional rate, or recurring billing arrangement will be governed by the terms disclosed when the customer enrolls.No subscription-specific terms in this section become operative until the Company adopts and presents a compliant subscription offer.

13. Scope of Services and Professional Boundaries

The Company will describe the nature and intended scope of its offerings accurately.

Unless expressly stated and legally authorized, Company offerings do not constitute medical diagnosis or treatment, psychotherapy, legal representation, investment advice, or other licensed professional services.

Customers remain responsible for their own decisions and for seeking qualified professional assistance when appropriate.

Before offering any service involving alternative healing techniques, therapeutic claims, or regulated professional activities, the Company must confirm which disclosures, limitations, and qualifications apply. Any required California statutory disclosures should be included in the relevant service materials.

14. Customer Responsibilities

Customers agree to provide accurate information needed to deliver a purchased offering, follow reasonable participation instructions, protect account credentials, and use the Company's services and content lawfully.

Customers should retain their own copies of purchase confirmations, receipts, and important communications.

The Company may pause or restrict access where reasonably necessary to address misuse, payment issues, safety concerns, or material violations of the applicable terms, subject to applicable law and any required notice or remedy.

15. Privacy and Communications

Personal information will be handled in accordance with the Company's applicable Privacy Policy and other privacy notices provided at the point of collection.

Operational messages concerning purchases, scheduling, account access, program delivery, or important changes may be sent as reasonably necessary to administer the offering.

Marketing communications will be handled in accordance with applicable consent, opt-out, and communications laws. Acceptance of this Agreement does not by itself constitute consent to receive every type of marketing communication.

16. Availability and Events Beyond the Company's Control

The Company will make reasonable efforts to deliver offerings as described. Delivery may occasionally be affected by technical failures, platform outages, illness, emergencies, or other circumstances outside the Company's reasonable control.

Where such circumstances materially affect delivery, the Company will consider reasonable alternatives, such as rescheduling, restoring access, extending a program, or providing another appropriate remedy, subject to the applicable purchase terms and law.

This section does not excuse obligations that cannot legally be excused or eliminate mandatory consumer remedies.

17. Warranties and Limitation of Liability

17.1 Nature of the Offerings
Secret To Life provides coaching, consulting, educational materials, digital products, astrology-related experiences, group programs, and other products or services as described on the applicable sales page, order page, or written agreement.

The Company will make reasonable efforts to describe its offerings accurately and deliver the products or services purchased in accordance with the applicable order and these Terms. Descriptions of the Company's approach, methods, and intended benefits are informational and do not guarantee a particular personal, professional, financial, relationship, health, or other outcome.

17.2 No Guaranteed Results
Coaching, consulting, educational, personal-development, and astrology-related services involve individual circumstances, interpretation, and participation. Results vary from person to person. The Company does not guarantee that a customer will achieve any particular result, transformation, level of success, or personal insight.

Astrology-related content and experiences are provided for reflection, self-inquiry, and educational or entertainment purposes. They are not a substitute for medical, mental-health, legal, financial, tax, or other professional advice.

This section does not excuse the Company from performing any express contractual obligation it has agreed to provide.

17.3 Warranties and Legal Rights
Except for express commitments made in the applicable offer, order, or written agreement, the Company does not make a promise that a product, service, digital platform, or experience will be uninterrupted, error-free, suitable for every individual purpose, or produce a particular outcome.

Nothing in this Agreement excludes, restricts, or modifies any warranty, representation, remedy, or other right that cannot lawfully be excluded, restricted, or modified under applicable law. Any disclaimer of implied warranties will apply only to the extent permitted by law and only where the applicable legal requirements for that disclaimer have been satisfied.

For physical products, applicable express warranties and nonwaivable statutory rights remain in effect. Any product-specific warranty, return, replacement, or repair terms will be provided in the applicable product description or separate policy.

17.4 Limitation of Certain Damages
To the fullest extent permitted by applicable law, the Company will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or relating to an offering or this Agreement, including loss of profits, revenue, business opportunities, anticipated savings, or data, where those categories of damages may lawfully be excluded.

This limitation does not apply to damages or liabilities that cannot lawfully be excluded or limited, including any liability to the extent arising from fraud, willful misconduct, or other conduct for which applicable law prohibits a limitation. It also does not override any nonwaivable consumer rights or remedies.

17.5 Aggregate Liability Cap
To the fullest extent permitted by applicable law, the Company's total aggregate liability for claims arising out of or relating to a particular purchase or service engagement will not exceed the amount the customer paid to the Company for the specific product or service giving rise to the claim.

For a continuing service engagement or package covering multiple payments, the applicable amount will be the total amount paid or payable under that engagement, subject to applicable law and the terms of the particular order.

This cap does not apply to liability that cannot lawfully be capped, including liability to the extent arising from fraud, willful misconduct, or any other liability that applicable law prohibits the Company from limiting. It does not limit a customer's nonwaivable statutory remedies.

17.6 Reasonable Reliance and Customer Decisions
Customers remain responsible for their own decisions and actions, including decisions made after participating in coaching, consulting, educational, group, or astrology-related offerings. The Company does not control how a customer interprets or applies information provided through an offering.

This provision does not relieve the Company of responsibility for its own contractual obligations or conduct where responsibility cannot lawfully be disclaimed.

17.7 Application of This Section
This section applies only to the extent permitted by applicable law. If a limitation or disclaimer is unenforceable in a particular circumstance, it will be applied to the maximum extent lawful without affecting the remaining provisions of this section.

18. Customer Responsibility and Indemnification

18.1 Customer Conduct
Customers are responsible for their own conduct when using the Company's website, products, digital content, services, and group or community spaces. Customers must not use an offering for unlawful purposes, infringe another person's rights, introduce malicious code, misrepresent their identity, or knowingly interfere with the security or operation of the Company's systems or services.

Customers must have the necessary rights and permissions for materials they submit, upload, or provide to the Company.

18.2 Limited Indemnification
To the extent permitted by applicable law, a customer agrees to indemnify the Company against third-party claims and reasonable, documented costs, damages, and expenses, including reasonable attorney fees where legally recoverable, but only to the extent directly caused by:
- a. The customer's unlawful conduct or intentional misconduct in connection with an offering;
- b. The customer's material infringement of a third party's intellectual property, privacy, or other legal rights through material the customer provided to the Company; or
- c. The customer's material violation of this Agreement that directly gives rise to a third-party claim.

This obligation applies only to the extent the relevant claim or loss was caused by the customer's conduct. It does not require a customer to indemnify the Company for the Company's own negligence, breach of contract, violation of law, fraud, willful misconduct, or other conduct for which indemnification cannot lawfully be required.

18.3 Notice and Cooperation
The Company will provide reasonable notice of a third-party claim for which it seeks indemnification, to the extent permitted by law and practicable under the circumstances. A delay in providing notice will reduce the customer's obligation only to the extent the delay materially prejudices the customer's ability to respond to the claim.

The parties will reasonably cooperate in addressing the claim. The Company will not settle a claim in a manner that imposes a nonmonetary obligation or admission of wrongdoing on the customer without the customer's consent, which will not be unreasonably withheld.No provision in this section creates an obligation for the customer to assume the Company's defense or pay the Company's legal expenses for claims arising from the Company's own conduct.

18.4 Scope and Survival
This section does not create a general obligation for customers to reimburse the Company for ordinary business risks, customer dissatisfaction, unsuccessful outcomes, or claims unrelated to the customer's conduct. Any indemnification obligation is limited to the scope expressly stated in this section and applicable law.

19. Governing Law and Disputes

19.1 Good-Faith Resolution
If a dispute arises out of or relates to an order, offering, or this Agreement, the parties are encouraged to first attempt to resolve it through good-faith communication.

A customer may contact the Company using the contact information provided on the Company's website or in the applicable order confirmation. The parties may voluntarily agree to a reasonable informal resolution process.

Informal discussions are not a condition that prevents either party from exercising a legal right, filing a claim within an applicable deadline, or seeking urgent relief where permitted by law.

19.2 Governing Law
This Agreement and disputes arising out of or relating to it will be governed by the laws of the State of California, without regard to its conflict-of-law principles, except where another law must apply under applicable law.

Nothing in this provision deprives a consumer of protections that cannot lawfully be waived or displaced by contract.

19.3 Courts and Venue
Where a dispute must be resolved in court, the parties consent to the jurisdiction of courts of competent jurisdiction in California, subject to applicable venue rules and any nonwaivable rights a customer may have to bring a claim in another legally permitted forum.

Nothing in this Agreement restricts a consumer's access to a forum, remedy, agency, or procedure where that restriction would be prohibited by applicable law.

19.4 No Mandatory Arbitration in This Agreement
This Agreement does not require mandatory arbitration and does not waive a customer's right to bring a claim in court or participate in a legally available collective or representative proceeding.

The parties may mutually agree in writing to use mediation, arbitration, or another dispute-resolution process after a dispute arises, provided the agreement is valid under applicable law.

If the Company later considers adopting mandatory arbitration, the provision must be separately reviewed by California counsel and incorporated consistently across the Master Purchase Agreement, applicable offering terms, checkout disclosures, and acceptance process before it is used.

19.5 Nonwaivable Rights and Remedies
Nothing in this Agreement prevents a customer from reporting a concern to a government agency, exercising a nonwaivable statutory right, or seeking a remedy that cannot lawfully be waived by contract.

Any provision of this section that is unenforceable under applicable law will be limited to the extent necessary, and the remaining provisions will continue to apply where legally permitted.

20. Electronic Acceptance and Records
Where legally permitted, a customer may accept this Agreement electronically by checking an acceptance box, clicking an acceptance control, completing an electronic enrollment process, or using another clearly disclosed method of assent.

The Company should retain records sufficient to identify the version of the terms presented and the customer's acceptance, as appropriate.

The Company will provide confirmations, receipts, and copies of terms where required by law.

21. General Provisions

Entire Agreement. This Agreement, together with the applicable purchase terms and incorporated policies, forms the agreement governing the purchase, subject to any separate written agreement that expressly modifies it.

Amendments. Changes to these terms will be handled in a manner consistent with applicable law. A material change will not retroactively eliminate rights already accrued where prohibited by law.

Severability. If a provision is found unenforceable, the remaining provisions will continue to apply to the extent legally permitted.No Waiver. Failure to enforce a provision on one occasion does not automatically waive the right to enforce it later.

Assignment. The customer's rights and obligations may not be transferred except as permitted by the applicable terms and law.

Notices. Formal notices to the Company should be sent to the contact details stated in the applicable purchase terms. The Company will provide any additional notice method required by law.

Survival. Provisions that by their nature should continue after a purchase ends, including intellectual-property restrictions and applicable dispute provisions, will survive to the extent legally enforceable.

22. Company Contact Information

Schirtzer Holdings LLC,
doing business as Secret To Life
15333 Culver Dr Ste 340 #2130
Irvine, CA 92604
[email protected]