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PRIVACY POLICY

1. Scope

This Privacy Policy describes how we collect, use, disclose, and protect personal information when you access our website, programs, coaching services, digital products, and related platforms (collectively, the “Services”).

This Policy applies to residents of the United States, including California residents under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

2. Information We Collect

We may collect the following categories of personal information:

A. Identifiers

  • Name
  • Email address
  • Phone number
  • Billing and shipping address
  • IP address

B. Commercial Information

  • Purchase history
  • Payment transaction records
  • Program enrollments

C. Internet / Network Activity

  • Device information
  • Browser type
  • Pages viewed
  • Cookies and tracking technologies

D. Health & Fitness Information (Voluntarily Provided)

  • Fitness goals
  • Training history
  • Progress metrics
  • Before/after photos (with consent)

E. Payment Information

Payment information is processed by secure third-party payment processors. We do not store full credit card numbers.

3. How We Use Your Information

We use personal information to:

  • Provide coaching services and digital products
  • Process payments
  • Communicate regarding services
  • Send marketing communications (with opt-out option)
  • Improve website performance
  • Comply with legal obligations
  • Prevent fraud or abuse

We do not sell personal information.

4. Cookies & Tracking Technologies

We use cookies and similar technologies to:

  • Analyze website traffic
  • Improve user experience
  • Deliver advertising

You may disable cookies through your browser settings. California residents may opt out of targeted advertising.

5. Disclosure of Information

We may disclose information to:

  • Payment processors
  • Email marketing providers
  • CRM platforms
  • Website hosting providers
  • Legal authorities when required

We require service providers to use data only for contracted purposes.

6. Data Retention

We retain personal information only as long as necessary for:

  • Service fulfillment
  • Legal compliance
  • Dispute resolution
  • Enforcement of agreements

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no system is 100% secure.

8. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

  • Know what personal information we collect
  • Request access to your data
  • Request deletion of your data
  • Correct inaccurate information
  • Opt out of sale or sharing (we do not sell personal information)
  • Limit use of sensitive personal information

To exercise your rights, email: [Insert Email]
We may verify your identity before processing requests.

We will not discriminate against you for exercising your rights.

9. Children’s Privacy (COPPA)

Our Services are not directed to individuals under 13 years old. We do not knowingly collect information from children under 13. If discovered, such information will be deleted.

10. Marketing Communications (CAN-SPAM Compliance)

You may opt out of promotional emails at any time by clicking “unsubscribe” or contacting us directly.

11. Do Not Track (CalOPPA Disclosure)

We currently do not respond to browser “Do Not Track” signals.

12. Changes to This Policy

We may update this Privacy Policy at any time. Changes will be posted with an updated effective date.

TERMS & CONDITIONS

1. Acceptance of Terms

By accessing this website or purchasing services, you agree to be legally bound by these Terms & Conditions.

If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old to purchase services. By using the Services, you represent that you are legally capable of entering into a binding agreement.

3. Services

The Company provides:

  • Online fitness coaching
  • Training programs
  • Digital downloads
  • Educational content

Results are not guaranteed. Individual outcomes vary based on effort, adherence, and personal factors.

4. Assumption of Risk & Medical Disclaimer

You acknowledge that:

  • Fitness training involves inherent risks
  • Participation may result in injury
  • You are voluntarily participating

You agree to consult a physician before beginning any fitness program.

The Company is not providing medical advice and is not liable for injuries sustained through participation.

5. Payments

All payments are due at time of purchase unless otherwise stated.

Failure to complete payment may result in suspension or termination of access.

6. Intellectual Property

All content, programs, materials, logos, and branding are the exclusive property of Joe X Richardson Coaching LLC.

You may not:

  • Reproduce
  • Distribute
  • Resell
  • Share login credentials

Unauthorized use may result in legal action.

7. User Conduct

You agree not to:

  • Harass staff or other clients
  • Reverse engineer programs
  • Share proprietary materials
  • Engage in unlawful behavior

8. Limitation of Liability

To the fullest extent permitted under California and federal law:

The Company shall not be liable for indirect, incidental, special, or consequential damages.

Total liability shall not exceed the amount paid for services in the preceding 30 days.

9. Indemnification

You agree to indemnify and hold harmless the Company from any claims arising from:

  • Your participation in training
  • Breach of these Terms
  • Misuse of services

10. Dispute Resolution

Any dispute shall be resolved by binding arbitration in the State of California, under the rules of the American Arbitration Association.

You waive the right to participate in class actions.

11. Governing Law

These Terms are governed by the laws of the State of California and applicable federal laws.

12. Modifications

We may update these Terms at any time. Continued use constitutes acceptance.

NO REFUND POLICY

All sales are final.

Due to the digital nature of training programs, coaching services, and downloadable materials:

  • No refunds will be issued
  • No chargebacks will be accepted
  • No partial refunds are available

By purchasing, you acknowledge:

  • You understand the program details
  • You have reviewed all sales materials
  • You accept full responsibility for participation

If a payment plan is selected, you remain responsible for completing all scheduled payments.

Chargebacks or payment disputes made in bad faith may result in:

  • Immediate termination of services
  • Collections action
  • Legal enforcement

If you experience technical issues accessing purchased content, contact: joe@againstalloddsfitness.com

FITNESS TRAINING LIABILITY WAIVER & RELEASE OF LIABILITY

1. Acknowledgment of Inherent Risks

By accessing, purchasing, or participating in any training program, coaching service, digital product, or related service provided by Joe X Richardson Coaching LLC (“Company”), you acknowledge that fitness training, strength training, conditioning programs, nutritional guidance, and related physical activities (collectively, “Training Activities”) involve inherent risks.

These risks include, but are not limited to:

  • Muscle strains and sprains
  • Ligament or tendon injuries
  • Joint injuries
  • Broken bones
  • Cardiovascular complications
  • Fainting, dizziness, dehydration
  • Serious injury, disability, or death

You voluntarily choose to participate in Training Activities with full knowledge and acceptance of these risks.

2. Medical Disclaimer & Health Responsibility

You understand and agree that:

  • The Company is not a medical provider.
  • The Services do not constitute medical advice, diagnosis, or treatment.
  • You should consult a licensed physician before beginning any fitness or nutrition program.

By participating, you represent that you are physically able to engage in Training Activities and assume full responsibility for your health and physical condition.

3. Assumption of Risk

To the fullest extent permitted under California and federal law, you knowingly and voluntarily assume all risks associated with participation in Training Activities, whether such activities are:

  • In-person
  • Remote
  • Livestreamed
  • Pre-recorded
  • Self-guided

This includes risks arising from:

  • Improper form or technique
  • Equipment malfunction or misuse
  • Failure to follow instructions
  • Your own negligence

4. Release of Liability

To the fullest extent permitted under California law, you hereby release, waive, and discharge Joe X Richardson Coaching LLC, its owners, officers, employees, contractors, affiliates, and representatives from any and all claims, demands, damages, liabilities, causes of action, or expenses arising out of or related to:

  • Personal injury
  • Illness
  • Disability
  • Property damage
  • Death

This release applies to claims based on ordinary negligence but does not apply to gross negligence or willful misconduct where prohibited by law.

5. California Civil Code §1542 Waiver

You expressly waive the protections of California Civil Code §1542, which provides:

“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in their favor at the time of executing the release, and that, if known by them, would have materially affected their settlement.”

You acknowledge that you understand this waiver and voluntarily agree to it.

6. Online & Remote Training Acknowledgment

If participating in online or remote coaching, you understand that:

  • The Company cannot supervise your environment.
  • You are responsible for ensuring safe conditions and proper equipment use.
  • Remote instruction limits the Company’s ability to prevent injury.

You accept full responsibility for maintaining a safe training environment.

7. Indemnification

You agree to indemnify and hold harmless the Company from any claims, liabilities, damages, or expenses arising out of:

  • Your participation in Training Activities
  • Your violation of these Terms
  • Your misuse of Services

8. Acceptance of Waiver

By accessing the website, enrolling in programs, or purchasing Services, you acknowledge that:

  • You have read and understood this Fitness Training Liability Waiver.
  • You are voluntarily waiving substantial legal rights.
  • You agree to be legally bound by this provision.

Your continued use of the Services constitutes full acceptance of this waiver under the federal E-SIGN Act and the California Uniform Electronic Transactions Act (UETA).