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Product Agreement

Last Updated on September 3, 2020


Printable Copy

The following is a legal binding agreement between you (‘Enrollee’) and Secret To Life™ Institute™ (‘STLI’), a D.B.A of STLI Enterprises Inc., and you (‘Client’), upon enrollment in any of our online courses and products.  By enrolling, you indicate consent with this agreement. You also acknowledge and accept the terms of this agreement for any and all other online courses you may enroll in and/or attend in the future.

STLI shall provide to you access to the online course, including at times, downloadable course materials, resources and course media through our proprietary storage area.



(1) Enrollee will pay the full tuition an indicated in the Payment Due portion of the sales page;

(2) The STLI Materials are the sole and exclusive property of STLI, and Enrollee will use the STLI Materials for the sole purpose of taking and passing the course;

(3) Enrollee shall not copy or cause to be copied or reproduced in any way, form, or manner, electronic or otherwise, any of the STLI Materials, except for personal backup and access use;

(4) Enrollee will keep the STLI Materials confidential, and will not sell, auction, loan, rent, give away, describe, summarize, or otherwise reveal the STLI Materials or their contents, to any other person or entity;

(5) Enrollee will not disrupt, disturb, or otherwise unduly interfere with the conduct of any STLI online course, as determined by STLI.

(6) Enrollee warrants that Enrollee is not an agent or employee of any other mental health, NLP, Hypnosis, and other training company and is taking the STLI course solely for the purpose of increasing Enrollee's own personal development.

In the event that Enrollee breaches any of Enrollee's agreements and warranties as set forth in clauses 1 through 6 herein, Enrollee agrees that, in addition to and without limitation of any other right or remedy to which STLI is entitled, STLI may terminate Enrollee's further participation in the STLI Online Course and may revoke Enrollee's right to use the materials without refund.



Should you need to cancel or transfer your enrollment, our refund agreement reflects the fact that we incur most of the expenses of your course before you even begin the course.

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

In addition, all cancellations must be submitted with a Certificate of Destruction certifying that you have destroyed any and all digital copies of STLI intellectual property associated with this course.

All physical product bonuses given to you at the time of enrollment must be returned in resellable condition to receive credit for those items. If any of the items are damaged or worn such that they cannot be resold, the cost of those items will be deducted from any refund given.

Our program Cancellation Agreement is as follows:

·      O-10 days from the enrollment: Full refund Available

·      11 days or more after purchase: No refund available



Minimum payment is due immediately upon enrollment. No enrollment will be held without payment. The balance of your payment is due based upon a calculated rate determined by you at checkout. Enrollee may enjoy continued access to the online course, provided the enrollee's account is in good standing with up-to-date payments.

If the enrollee should default on any payment, the enrollee will have ten (10) days to rectify the situation. If the situation is not rectified in the time given, access to the course will be suspended until payments have been rectified. If the enrollee should be 30 days or more in default, any all special discounts and bonuses will be forfeited and full tuition applies and refund will not be possible.

If the enrollee should default on any installment payment or be in Accounts Receivables for more than 60 days, the result may be cancellation of the enrollment and the Cancellation Agreement will apply. STLI reserved the right to send any delinquent account to collection.

An NSF returned check or declined credit card charge will carry a fee of $50.




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, and such arbitrator shall be 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. Enforcements 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 unenforceability 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.





You agree that this session is provided as-is and without warrantee for personal development purposes only. You also agree to hold harmless and indemnify JQS Enterprises, it's agents and Carl Schirtzer against any and all claims and actions arising out of the use of these courses, 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 courses.





Pursuant to the California Business and Professions Code, STLI makes the following disclosures: Potential Reached is a professional practice that provides coaching 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, Potential Reached will provide services in accordance with the education training and experience we have.


We offer the following services:

1.    NLP – Using the language of the mind to model excellence and install behavior.

2.    Hypnosis – The bypass of the critical factor of the conscious mind to produce change.

3.    TIME Techniques – Techniques for eliminating negative emotions from the past.

4.    Emotional Freedom Techniques - Techniques for eliminating negative emotions in the now.

5.    Reiki and HypnoReiki – Techniques to stimulate and support the energy fields.

6.    Systemic Constellations - Techniques to connect with the subconscious

7.    Coaching – Performance enhancement with ongoing support using the above techniques.


These services are not licensed by the state. The services do not include the practice of medicine or psychology or any other licensed healing art, since we are not licensed physicians.


Your practitioner has the following education, training, experience and other qualifications regarding provided services:

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


If you have concerns or complaints about the services provided, please speak to us. If we cannot resolve your concerns, you may contact the International Board of Coaches and Practitioners.


©2020 Secret To Life™ Institute™

All Rights Reserved.