Effective Date: This agreement is effective as of the date you complete your purchase.

Seller: Integrity #444 LTQS, operated by Christian Tetteh, referred to below as “we,” “us,” or “our”

Buyer: The individual completing the purchase, referred to below as “you” or “your”

1. Products Covered by This Agreement

This agreement applies to the purchase of any of the following digital products sold by Integrity #444 LTQS:

The specific product and pricing option you selected at checkout determines which terms below apply to your purchase.

2. What You Are Purchasing

If you purchased an online course

You are buying access to a digital course delivered through our online membership platform. The course consists of pre-recorded video lessons, written content, and any accompanying materials, such as module quizzes, companion resource PDFs, or worksheets, made available within the course modules. Access to the full course is granted immediately upon your first successful payment, whether you selected a one-time payment or an installment plan.

If you purchased the PDF-Only Edition

You are buying a downloadable PDF document. This product does not include video lessons, membership platform access, module quizzes, or any other materials that are part of the full course. If you want full course access, that is a separate purchase. The PDF is delivered immediately upon successful payment through a download link or email delivery.

3. Digital Delivery and Immediate Fulfillment

You acknowledge that all products sold under this agreement are digital goods. No physical product is shipped. Delivery is complete at the moment course access is granted to your account, or at the moment your PDF download link is made available, whichever applies to the product you purchased. Once delivery is complete, the transaction is fulfilled in its entirety.

4. Installment Payment Commitment

This section applies only if you selected an installment pricing option at checkout.

By selecting an installment plan, you are entering into a binding payment commitment for the full total amount, payable across the number of installments shown at checkout. This is not a subscription. This is not a month-to-month arrangement you can cancel at any time. This is a structured payment schedule for a product you received in full upon your first payment.

1. Your first installment is charged immediately at checkout. You receive full access to the product at that moment.
2. Each later installment will be automatically charged to the same payment method on the scheduled date, about 30 days apart for monthly installments.
3. You are responsible for keeping your payment method valid and funded for every scheduled installment.
4. If a scheduled payment fails, we may attempt to process it again according to our payment processor’s automatic retry schedule.
5. If all retry attempts fail, we reserve the right to revoke your course access and pursue collection of the outstanding balance.
6. Cancelling, pausing, or stopping installment payments before the full amount is paid is a breach of this agreement. If you cancel through your bank, payment provider, or any other means before all installments are completed, the remaining balance becomes immediately due.
7. Initiating a chargeback, payment dispute, or reversal on any installment payment is a breach of this agreement and will be handled under Section 6 below.

5. No Refund Policy

ALL SALES ARE FINAL. NO REFUNDS WILL BE ISSUED UNDER ANY CIRCUMSTANCES.

This applies to every product listed in this agreement, whether purchased through one-time payment or installment plan. Since all products are digital with immediate delivery, you receive the full product, or full product access, at the time of your first payment. There is no trial period. There is no cooling-off period. There is no partial refund option.

If you selected an installment plan, you are obligated to complete all scheduled payments whether or not you access the product content after your initial purchase. The obligation to pay is based on access granted, not usage.

By completing your purchase, you acknowledge that you have read this policy, you accept it, and you waive any right to request a refund, chargeback, or payment reversal through your bank or payment provider.

6. Chargebacks and Payment Disputes

If you initiate a chargeback, payment dispute, or payment reversal through your bank, credit card company, or payment provider after completing your purchase or after any installment payment, we reserve the right to:

1. Immediately revoke your access to the product and all associated materials.
2. Submit evidence of this agreement, your purchase confirmation, your payment schedule if applicable, and your product access records to the payment provider as part of the dispute response.
3. Pursue recovery of the disputed amount plus any fees we incur as a result of the dispute.
4. If the dispute involves an installment payment, accelerate all remaining installment balances to become immediately due in full.
5. Report the dispute to applicable fraud prevention databases if the chargeback is determined to be fraudulent or abusive.

You agree to contact us directly before initiating any dispute with your bank or payment provider. Our contact email is provided in your purchase confirmation.

7. Intellectual Property

All content provided as part of any Integrity 444 LTQS product, including video lessons, written materials, worksheets, frameworks, module quizzes, companion resource PDFs, graphics, audio, and the PDF document, are the intellectual property of Integrity 444 LTQS and Christian Tetteh.

Your purchase grants you a personal, non-transferable, non-exclusive license to access and use the product content for your own individual learning and personal development. You may not:

1. Reproduce, distribute, share, resell, publish, upload, broadcast, or make any product content available to any third party, in any form, whether digitally or in print.
2. Record, screenshot, screen-capture, or otherwise copy product content for redistribution or sharing.
3. Use any product content for commercial purposes, including placing it into your own courses, programs, coaching materials, or publications.
4. Claim authorship or ownership of any product content.

Violation of these terms will result in immediate revocation of access without refund. If you are on an installment plan, all remaining payments become immediately due. We reserve the right to pursue further legal remedies for intellectual property violations.

8. Account Responsibility

Your product access is tied to the email address you used at checkout. You are responsible for keeping your login credentials secure. Sharing your login credentials with others is a violation of this agreement and grounds for immediate revocation of access. If you need to update your email address, contact us directly.

9. Product Availability and Modifications

We reserve the right to update, modify, add to, or remove product content at any time without prior notice. We do not guarantee that specific content will remain available indefinitely. We will make reasonable efforts to maintain and improve our products, but we are not obligated to keep any particular lesson, module, material, or version available permanently. For downloadable products, the version you receive at the time of purchase is the final delivered version. We are not obligated to provide updated versions.

10. Disclaimer

All products sold by Integrity 444 LTQS are for educational and personal development purposes only. None of our content constitutes therapy, counseling, medical advice, legal advice, financial advice, or any form of professional clinical treatment.

Some of our products address topics related to emotional intelligence, self-mastery, personal healing, boundaries, inner regulation, and recovery from narcissistic relationships. This content is not a substitute for professional mental health support.

If you are in crisis or experiencing a mental health emergency, contact a licensed mental health professional or your local emergency services immediately.

Results vary from person to person. We make no guarantees about specific outcomes. You are solely responsible for how you interpret and apply the information provided.

11. Governing Law

This agreement is governed by the laws of the jurisdiction in which Integrity 444 LTQS operates. Any disputes arising from this agreement that cannot be resolved through direct communication will be resolved in that jurisdiction.

12. Contact

For website-related questions, support, access issues, or general inquiries, contact: [email protected]

13. Your Acknowledgment

By completing your purchase, you confirm all of the following:

1. You have read this Purchase & Payment Agreement in full before completing your purchase.
2. You understand that you are purchasing a digital product with immediate delivery upon first successful payment.
3. You understand and accept that all sales are final and no refunds will be issued.
4. If you selected an installment plan, you understand that you are committing to the full payment amount across all scheduled installments, that this commitment is binding whether or not you access the product after your initial purchase, and that cancelling or stopping payments before all installments are completed is a breach of this agreement.
5. You agree not to initiate a chargeback or payment dispute with your bank or payment provider without first contacting us directly.
6. You agree to the intellectual property, account responsibility, and usage terms in this agreement.
7. If you purchased the PDF-Only Edition, you understand that it does not include access to the full online course.
8. You are at least 18 years of age or have the legal capacity to enter into this agreement.