Intellectual Property & Licensing Policy

TERMS OF USE & SERVICE

Effective Date: August 22, 2026
Last Updated: August 22, 2026

These Terms of Use & Service (“Terms”) constitute an agreement between you and Haven Smith, LLC, doing business as Haven Smith & Company (“Haven Smith & Company,” “we,” “us,” or “our”).

These Terms apply to www.HavenSmith.Company and our courses, consultations, workshops, downloads, accounts, communications, and related products and services.

By accessing the website, creating an account, completing a purchase, or using a service, you agree to these Terms.

1. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use our paid products and services.

Our website and services are intended primarily for customers in the United States.

2. Educational Nature of Services

Haven Smith & Company provides practical education, tools, and guidance concerning Digital Life Management.

Our services are educational and informational. They do not constitute legal, financial, investment, tax, accounting, medical, mental-health, estate-planning, managed cybersecurity, or incident-response services.

Additional limitations appear in our Educational & Professional Disclaimer, which is incorporated into these Terms.

3. Accounts

You are responsible for:

• Providing accurate information;

• Maintaining the confidentiality of your login credentials;

• Restricting access to your account;

• Promptly notifying us of suspected unauthorized use;

• All activity conducted through your account.

You may not share course accounts or login credentials.

4. Purchases

Prices, availability, and included features are shown at the time of purchase and may change prospectively.

You authorize our payment provider to charge the payment method you submit. You are responsible for applicable taxes and for resolving payment-method problems.

Refunds, cancellations, rescheduling, package periods, and related purchasing rules are governed by our Purchases, Refunds, Cancellations & Rescheduling Policy.

5. Appointments and Participation

You are responsible for having a compatible device, reliable internet connection, working email address, and access to the designated video-conferencing platform.

You must participate respectfully and avoid conduct that disrupts, threatens, harasses, or harms another person.

We may end or refuse a session without refund when a participant engages in threatening, abusive, unlawful, deceptive, or seriously disruptive behavior.

6. Security Boundaries

Do not send or disclose:

• Passwords;

• Authentication or recovery codes;

• Social Security numbers;

• Private encryption keys;

• Complete financial-account credentials;

• Other information that could independently provide access to an account.

Haven Smith & Company does not take custody of your accounts or credentials and does not provide managed-security or incident-response services.

You remain responsible for account decisions, backups, verification of changes, implementation of recommendations, and selection of appropriate licensed professionals.

7. No Recording

You may not record, photograph, transcribe, stream, or reproduce a consultation, course, presentation, or workshop.

Any exception requires advance written permission from Haven Smith & Company and every participant involved.

8. Intellectual Property

Our Intellectual Property & Licensing Policy is incorporated into these Terms.

Unless expressly authorized, purchases provide a limited license for the registered customer’s personal or internal use. Materials, accounts, downloads, recordings, templates, and workbooks may not be shared.

9. Acceptable Use

You may not:

• Violate any law or another person’s rights;

• Attempt to gain unauthorized access to a website, account, system, or data;

• Interfere with website or service operations;

• Upload malware or harmful code;

• Scrape, harvest, or automatically extract content or personal information;

• Misrepresent your identity or authority;

• Use our materials to develop a competing product or service;

• Use our services to facilitate abuse, stalking, surveillance, fraud, or unlawful conduct;

• Circumvent access, payment, security, or licensing restrictions.

10. Third-Party Services

Our services may use or link to Squarespace, Google, Zoom, Stripe, PayPal, social networks, and other third-party platforms.

We do not control third-party availability, security, terms, or privacy practices. Your use of a third-party service may be subject to a separate agreement with that provider.

11. Results and Customer Responsibility

We do not guarantee any particular organizational, financial, legal, business, security, safety, audience, or personal result.

Outcomes depend on factors outside our control, including the accuracy of information provided, customer decisions, implementation, technology, service providers, and changing threats or laws.

12. Disclaimer of Warranties

To the maximum extent permitted by law, the website, content, and services are provided “as is” and “as available.”

We disclaim implied warranties, including merchantability, fitness for a particular purpose, title, and noninfringement, except where a warranty cannot lawfully be excluded.

We do not warrant that the website or services will be uninterrupted, error-free, completely secure, or suitable for every circumstance.

13. Limitation of Liability

To the maximum extent permitted by law, Haven Smith & Company and its owners, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunities, account loss, business interruption, or security incidents arising from the website, materials, or services.

To the maximum extent permitted by law, our aggregate liability concerning a particular product or service will not exceed the amount you paid Haven Smith & Company for that product or service during the twelve months preceding the event giving rise to the claim.

These limitations do not apply where prohibited by law.

14. Indemnification

To the extent permitted by law, you agree to indemnify and hold Haven Smith & Company harmless from third-party claims arising from your unlawful conduct, violation of these Terms, infringement of another person’s rights, or unauthorized use or distribution of our materials.

15. Suspension and Termination

We may suspend or terminate access when reasonably necessary to address nonpayment, unlawful activity, security concerns, abuse, material violation of these Terms, or infringement of intellectual-property rights.

Provisions that should reasonably survive termination—including payment, ownership, disclaimers, liability limitations, and dispute provisions—will remain effective.

16. Informal Dispute Resolution

Before initiating a legal claim, you and Haven Smith & Company agree to make a good-faith effort to resolve the dispute informally.

Send a written description of the dispute and requested resolution to hello@havensmith.company. The parties will have 30 days from receipt to discuss a resolution before either party initiates formal proceedings, unless immediate action is necessary to preserve legal rights or prevent harm.

17. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, disputes that cannot be resolved informally will be brought in a court of competent jurisdiction located in Alameda County, California. Each party consents to that venue and jurisdiction.

Nothing in these Terms prevents an eligible party from bringing an appropriate claim in small-claims court.

18. Changes

We may revise these Terms prospectively. Updated Terms will be posted with a revised date. Material changes will receive additional notice when required.

Continued use after revised Terms take effect constitutes acceptance to the extent permitted by law.

19. Severability and Waiver

If a provision is found unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain effective.

Failure to enforce a provision does not waive the right to enforce it later.

20. Entire Agreement

These Terms, together with the policies incorporated by reference and any product-specific written terms, constitute the agreement governing your use of the applicable website, product, or service.

21. Contact

Haven Smith, LLC
Doing business as Haven Smith & Company
2108 N Street, Suite N
Sacramento, CA 95816
hello@havensmith.company
www.HavenSmith.Company

PURCHASES, REFUNDS, CANCELLATIONS & RESCHEDULING POLICY

Effective Date: August 22, 2026
Last Updated: September 15, 2026

This policy applies to purchases made from Haven Smith, LLC, doing business as Haven Smith & Company.

1. Prices and Payment

Prices and included features are displayed at checkout. Prices may be changed for future purchases without notice.

Payment is due at the time of purchase unless you select a payment plan offered at checkout, as described in the Payment Plans section below. Payments may be processed by Stripe, PayPal, Squarespace, or another disclosed payment provider.

Payment Plans

Certain products and services may be purchased through a payment plan. The payment plan options currently offered are:

• Three Digital Life Strategy Sessions: $216 deposit at checkout and one payment of $216 one month later ($432 total).

• Twelve Digital Life Strategy Sessions: $417 deposit at checkout and three monthly payments of $417 ($1,668 total).

• Monthly Digital Life Management Program: three monthly payments of $204 ($612 total), with the first payment charged at checkout.

• Weekly Digital Life Management Program: three monthly payments of $636 ($1,908 total), with the first payment charged at checkout.

Plan terms, amounts, and schedules are displayed at checkout and may change for future purchases. Program payment plans cost more in total than paying in full.

Authorization. By selecting a payment plan, you authorize our payment provider to charge your payment method for each scheduled payment on the dates shown at checkout until the full balance is paid.

Full balance owed. Selecting a payment plan is a commitment to purchase the entire product or service. You are responsible for the full plan total, whether or not you use all included sessions, content, or materials.

Failed payments. If a scheduled payment fails, you will be notified and our payment provider will automatically attempt the charge again. You will have seven calendar days to update your payment method or complete the payment. For session packages, if the payment is not received within seven days, scheduling of new sessions may be paused until the overdue balance is paid. For programs, if a scheduled payment fails three times within ten days, the program membership may be canceled automatically and access to program sessions and course content will end. Paused or canceled access does not extend package or program periods.

Package periods. Payment plans do not change the period in which sessions must be used: 180 days for a three-session package and 365 days for a twelve-session package, measured from the date of purchase.

Paying early. You may pay your remaining balance at any time by contacting hello@havensmith.company.

Refunds. The Seven-Day Unused-Purchase Policy applies to payment plan purchases. If an approved refund is issued, amounts already paid will be refunded and remaining scheduled payments will be canceled. Because digital products are nonrefundable after access, download, or use begins, a program purchase is not refundable once course content has been accessed, and remaining payments stay due.

Cancellation by customer. Canceling future sessions or stopping use of a program does not cancel remaining scheduled payments.

2. Seven-Day Unused-Purchase Policy

Unless different terms are displayed at checkout or applicable law requires otherwise, you may request a refund within seven calendar days after purchase if the product or service has not been accessed, downloaded, attended, redeemed, scheduled and used, or otherwise consumed.

A refund request should be sent to hello@havensmith.company with the purchaser’s name, email address, purchase information, and reason for the request.

3. Digital Products and Courses

Because digital products can be immediately accessed or downloaded, they are nonrefundable after access, download, or use begins.

This includes courses, recordings, workbooks, templates, guides, digital bundles, and other downloadable or on-demand materials.

If a technical problem prevents access, contact us so we can attempt to correct the issue.

4. Consultations, Sessions, and Workshops

Appointments must be scheduled, canceled, or rescheduled with at least 24 hours’ notice.

A cancellation or rescheduling request submitted fewer than 24 hours before the appointment may:

• Be nonrefundable;

• Result in the appointment being charged;

• Cause a session to be deducted from a package.

Missed appointments are nonrefundable and will be deducted from an applicable package.

We may make a reasonable exception for a documented emergency or exceptional circumstance at our discretion. An exception on one occasion does not modify this policy for future appointments.

5. Late Arrival

Arriving late does not ordinarily extend the scheduled ending time. The session may proceed for the remaining time and will count as used.

If a customer is sufficiently late that the service cannot reasonably be provided, the appointment may be treated as a missed appointment.

6. Cancellations by Haven Smith & Company

If Haven Smith & Company cancels an appointment or workshop and cannot provide the purchased service as scheduled, the affected customer may choose:

• A reasonable rescheduled date; or

• A refund for the service canceled by Haven Smith & Company.

We are not responsible for incidental expenses or losses resulting from a schedule change.

7. Session Packages

Unless the applicable offer states otherwise:

• A three-session package must be used within 180 days after purchase.

• A twelve-session package must be used within 365 days after purchase.

These periods apply to directly purchased service packages and not to the underlying monetary balance of a gift card or gift certificate where different treatment is required by law.

Unused sessions remaining after the package period may be forfeited to the extent permitted by law. Customers are responsible for scheduling sufficiently early to use all sessions.

8. Transfers

Purchases and packages are nontransferable unless Haven Smith & Company gives advance written permission.

We may approve or deny a requested transfer in our discretion, subject to applicable law. Approval may depend on the nature of the service, whether it has been used, recipient eligibility, scheduling availability, and administrative requirements.

9. Workshops and Group Services

Workshop registrations are limited to the registered participant or authorized group.

Unless an organizational license permits otherwise, access links and materials may not be shared. A workshop may have additional participant, scheduling, cancellation, or minimum-attendance requirements disclosed at purchase.

10. Promotional Offers

Discounts and promotional codes:

• Apply only during the stated promotional period;

• Cannot be combined unless expressly permitted;

• Have no cash value;

• Cannot ordinarily be applied retroactively;

• May be limited by customer, product, service, or redemption count.

A promotional price adjustment does not entitle an earlier purchaser to a refund of the difference.

11. Chargebacks

Please contact hello@havensmith.company before initiating a chargeback so we can attempt to address the concern.

Filing a knowingly false or improper chargeback may result in suspension of access or collection activity as permitted by law. Nothing in this section limits a customer’s lawful payment-dispute rights.

12. Processing Refunds

Approved refunds are generally sent to the original payment method. Processing times depend on the payment provider and financial institution.

Payment-processing fees may be handled as required by applicable law and the terms displayed at purchase.

13. Statutory Rights

Nothing in this policy waives a right or remedy that cannot lawfully be waived.

14. Contact

Haven Smith & Company
2108 N Street, Suite N
Sacramento, CA 95816
hello@havensmith.company
www.HavenSmith.Company

GIFT CARD & GIFT CERTIFICATE TERMS

Effective Date: August 22, 2026
Last Updated: August 22, 2026

These terms apply to gift cards, gift certificates, gifted products, and gifted services issued by Haven Smith, LLC, doing business as Haven Smith & Company.

1. Types of Gifts

Haven Smith & Company may offer:

• Dollar-value gift cards;

• Gift certificates for a specific course, consultation, session, package, workshop, or service;

• Gifted digital products or bundles;

• Complimentary or promotional gift certificates.

Product availability and included features are determined by the offer displayed at purchase or issuance.

2. No Expiration Date

Haven Smith & Company gift cards and gift certificates do not expire.

Paid gift certificates remain valid until redeemed, replaced, or refunded as required by applicable law.

Complimentary or promotional gift certificates issued without payment also do not expire unless a lawful, clearly disclosed written term provided at issuance expressly states otherwise.

3. No Service or Dormancy Fees

We do not impose dormancy, inactivity, maintenance, or service fees on gift cards or gift certificates.

4. Redemption

A gift card may be applied to eligible Haven Smith & Company products or services available at the time of redemption.

A service-specific gift certificate may be redeemed for the identified service, subject to availability. If that exact service is discontinued, we will offer an appropriate replacement, account credit, or other remedy required by law.

The recipient may be required to create an account, accept applicable service terms, and provide information needed to deliver or schedule the service.

5. Cash Redemption and Replacement

Gift cards and gift certificates may be redeemed for cash, replaced, or otherwise handled when and to the extent required by California or other applicable law.

Requests should be sent to hello@havensmith.company with identifying purchase or gift information. We may require reasonable verification to prevent fraud.

6. Designated Recipients

A purchaser may designate a recipient.

A request to change the designated recipient must be approved in writing by Haven Smith & Company. Approval is discretionary and may depend on whether the gift has been delivered, accessed, scheduled, redeemed, or used.

7. Transfers

Gift cards and gift certificates may not be sold, resold, bartered, or transferred for value.

A personal transfer to a different intended recipient may be approved by Haven Smith & Company in writing. Unauthorized resale or use may result in suspension while we investigate possible fraud.

8. Service Scheduling

A recipient redeeming a consultation, session, or workshop must comply with applicable scheduling, cancellation, rescheduling, participation, and no-show policies.

The gift instrument itself does not expire. Once a service has been scheduled and confirmed, ordinary cancellation and rescheduling requirements apply to that appointment.

9. Digital Courses and Products

Once a gifted digital course, download, or product has been redeemed or accessed, it is treated as used and cannot be transferred to another person.

Course logins, files, downloads, and materials may not be shared.

10. Refunds

A purchaser may request a refund within seven days if the gift has not been delivered, redeemed, accessed, transferred, or used, subject to applicable law.

After redemption or use, refunds are generally unavailable except where required by law.

A recipient who did not make the purchase may be required to seek a refund through the purchaser unless applicable law provides otherwise.

11. Lost, Stolen, or Misused Gifts

Treat gift codes and certificates like cash. Haven Smith & Company is not responsible for unauthorized use before receiving notice.

We may replace a lost or stolen gift if the claimant provides satisfactory proof of purchase and we can verify the unused balance. We may suspend redemption while investigating suspected fraud.

12. Promotional Gifts

A promotional code, discount, complimentary product, or marketing offer may be subject to separate eligibility and redemption conditions.

If a promotional instrument is legally treated as a gift certificate, applicable gift-certificate laws will control over inconsistent promotional language.

13. Not Reloadable Unless Stated

Gift cards and certificates are not reloadable unless the specific product expressly permits additional value to be added.

They may not be used to purchase another gift card unless we expressly allow it.

14. Changes

We may revise these terms prospectively. The terms in effect when a gift was purchased or issued will continue to govern to the extent required by law.

15. Contact

Haven Smith, LLC
Doing business as Haven Smith & Company
2108 N Street, Suite N
Sacramento, CA 95816
hello@havensmith.company
www.HavenSmith.Company

EDUCATIONAL & PROFESSIONAL DISCLAIMER

Effective Date: August 22, 2026
Last Updated: August 22, 2026

Haven Smith, LLC, doing business as Haven Smith & Company, provides education, tools, and practical guidance concerning Digital Life Management.

1. Educational and Informational Purposes

Our website, articles, courses, podcasts, videos, downloads, consultations, workshops, presentations, communications, and other resources are provided for general educational and informational purposes.

They are not a substitute for advice from a qualified professional who has evaluated your particular circumstances.

2. No Regulated Professional Advice

Haven Smith & Company does not provide:

• Legal advice or legal representation;

• Financial, securities, or investment advice;

• Tax or accounting advice;

• Medical or mental-health diagnosis or treatment;

• Estate-planning or probate advice;

• Insurance advice;

• Managed cybersecurity services;

• Security monitoring;

• Digital-forensics or incident-response services;

• Emergency assistance.

References to these subjects are intended to help you identify, organize, protect, prepare, document, or discuss relevant information with an appropriately qualified professional.

3. No Professional Relationship

Your use of our website or services does not create an:

• Attorney-client relationship;

• Accountant-client relationship;

• Financial-adviser or fiduciary relationship;

• Medical, therapeutic, or mental-health relationship;

• Insurance-agent relationship;

• Managed-service-provider relationship;

• Cybersecurity incident-response relationship;

• Other regulated professional relationship.

4. Consult Appropriate Professionals

You should consult a properly licensed or qualified attorney, accountant, tax professional, financial adviser, medical professional, cybersecurity provider, insurance professional, estate-planning professional, or other specialist when your situation requires individualized advice.

Do not delay seeking professional or emergency assistance because of information provided by Haven Smith & Company.

5. No Custody of Credentials or Accounts

Do not send us passwords, authentication codes, recovery codes, Social Security numbers, private encryption keys, or complete financial-account credentials.

We do not take custody of your accounts, credentials, assets, legal documents, financial accounts, or security systems.

6. Customer Decisions and Implementation

You remain responsible for:

• Deciding whether and how to use information;

• Confirming that recommendations are appropriate;

• Reviewing settings and changes before applying them;

• Maintaining current backups;

• Protecting credentials;

• Selecting qualified professional advisers;

• Complying with laws, contracts, organizational policies, and fiduciary duties;

• Monitoring accounts and responding to warning signs.

7. Changing Information

Technology, security threats, laws, provider features, prices, and recommended practices change over time.

Although we work to provide useful and accurate information, we cannot guarantee that every resource is complete, current, error-free, or suitable for every person, device, account, jurisdiction, or organization.

8. No Guaranteed Results

We do not guarantee that using our products or services will:

• Prevent fraud, hacking, identity theft, data loss, account loss, or security incidents;

• Produce a particular legal, financial, tax, organizational, or business result;

• Make an account or device completely secure;

• Ensure that another person or provider will follow your instructions;

• Eliminate every digital risk;

• Replace appropriate professional advice.

Examples, testimonials, case studies, and client experiences illustrate individual experiences and do not promise that another person will obtain the same result.

9. Emergency and Incident Response

If you believe an account, device, identity, financial asset, or personal safety is currently at risk, contact the relevant platform, financial institution, emergency service, law-enforcement agency, attorney, insurer, or qualified incident-response professional.

Haven Smith & Company is not an emergency-response service.

10. Contact

Questions about the nature or scope of a service may be directed to:

Haven Smith & Company
2108 N Street, Suite N
Sacramento, CA 95816
hello@havensmith.company
www.HavenSmith.Company

1. Refunds

Purchases of individual sessions, session packages, and workshops are refundable within 7 days of purchase, as long as no session or workshop credit has been used. Once a credit has been redeemed or a session has taken place, the purchase is no longer refundable.

2. Package expiration

Three-Session packages must be used within 180 days of purchase. Twelve-Session packages must be used within 365 days of purchase. Any unused sessions expire at the end of these windows.

3. Gift certificates

Gift certificates never expire and may be transferred to someone else.

4. Cancellations

Please cancel or reschedule at least 24 hours before your appointment. Cancellations made with less than 24 hours' notice, and no-shows, will forfeit the session or package credit for that appointment.