Think Time® Terms and Conditions Effective Date: April 19, 2026 Business Name: Think Time® Founder: Christine Howe Website: think-time.com Email: christine@think-time.com Founded: January 1, 2016 1. Acceptance of Terms Welcome to Think Time® (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of think-time.com, including any content, products, services, memberships, courses, coaching, workshops, digital downloads, events, and communications offered by Think Time®. By accessing this website, purchasing from us, enrolling in any offering, or otherwise using our services, you agree to be bound by these Terms. If you do not agree, do not use this website or our services. 2. United States Audience This website is intended for users located in the United States. We make no representation that the website or our services are appropriate or available in other jurisdictions. If you access this website from outside the United States, you do so at your own risk and are responsible for compliance with your local laws. 3. Tennessee-Based Business Think Time® is operated from Tennessee in the United States. Unless otherwise required by applicable law, these Terms are governed by the laws of the State of Tennessee and applicable federal law of the United States. 4. Nature of Services Think Time® provides educational, informational, training, coaching, planning, and personal/professional development services. These services may include, without limitation: coaching memberships workshops digital products planning tools courses live or recorded trainings speaking or consulting proprietary methods and frameworks, including NeuroPlanning 5. Important Professional Disclaimer: Not Counseling or Therapy Although Christine Howe is a Licensed Professional Counselor in Texas, Think Time® is not offering counseling, psychotherapy, diagnosis, treatment of mental health conditions, crisis services, or any other clinical mental health services through this website or business. By using this website or purchasing services from Think Time®, you understand and agree that: your relationship with Think Time® is not a therapist-client, counselor-client, or healthcare-provider relationship the services are provided solely in a coaching, educational, and informational capacity no counseling, psychotherapy, mental health diagnosis, or mental health treatment is being provided the services are not a substitute for therapy, counseling, psychiatric care, medical care, legal advice, financial advice, or other licensed professional services if you are in crisis, need mental health care, or need clinical support, you should contact an appropriately licensed local provider or emergency services Nothing on this website or in our services creates a professional counseling relationship. 6. No Medical, Mental Health, Legal, or Financial Advice All content and services provided by Think Time® are for educational and informational purposes only. Nothing on this website or in any Think Time® product, coaching session, workshop, membership, digital download, or communication should be construed as: medical advice mental health advice counseling advice psychiatric advice legal advice tax advice financial advice You are solely responsible for your own decisions, actions, and results. 7. Eligibility You must be at least 18 years old to use this website or purchase our services. By using this website, you represent that you are at least 18 years old and legally able to enter into a binding contract. 8. Intellectual Property Think Time® and its associated content, branding, and materials are protected by intellectual property law. All content made available through this website or our services, including but not limited to: text graphics logos videos audio downloads worksheets prompts visual planning tools educational materials memberships coaching materials workshop materials methods and frameworks trademarks and service identifiers is owned by Think Time® and/or Christine Howe unless otherwise stated. This includes, without limitation: Think Time® NeuroPlanning related frameworks, names, tools, lesson content, and brand materials You may not copy, reproduce, republish, upload, post, transmit, distribute, sell, share, license, modify, or create derivative works from our content without prior written permission. 9. Limited License We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website and purchased materials for your own personal, non-commercial use only. You may not: share login credentials distribute paid materials to others reproduce or repost paid content use our materials to create competing products or services remove copyright, trademark, or proprietary notices 10. User Accounts and Access If any portion of our services requires an account, membership login, or password-protected access, you are responsible for maintaining the confidentiality of your account information. You agree that you will not share access with others. We reserve the right to suspend or terminate access if we suspect unauthorized sharing, misuse, fraud, or violation of these Terms. 11. Purchases, Pricing, and Payment All prices are listed in U.S. dollars unless otherwise stated. By making a purchase, you agree to provide current, accurate, and complete payment information. We reserve the right to: change prices at any time correct pricing errors refuse or cancel orders limit quantities suspend access for failed payment or suspected fraud 12. Refunds and Cancellations Refunds, returns, cancellations, and payment plans are governed by any refund or cancellation policy stated at the point of purchase. Unless otherwise expressly stated in writing: digital products are non-refundable completed coaching sessions are non-refundable event registrations may be non-refundable membership fees are non-refundable for the billing period already charged payment-plan obligations remain due according to the agreed terms If you offer a separate refund policy, it should be linked and incorporated here. 13. Membership Terms If you enroll in a membership: your membership will continue according to the billing terms presented at sign-up you are responsible for canceling before your renewal date if you do not wish to continue access may be suspended or terminated for missed payments or violation of these Terms we reserve the right to modify membership features, content, access methods, or pricing prospectively 14. Workshops, Courses, Coaching, and Events Your purchase of a workshop, course, coaching service, membership, or event gives you access only to the specific offering described at checkout or registration. We reserve the right to make reasonable changes to: instructors scheduling format delivery platform lesson order materials event logistics We may cancel, postpone, reschedule, or substitute services when reasonably necessary. 15. No Guarantee of Results We do not guarantee any specific outcome from your use of Think Time® services, including but not limited to: productivity results planning results emotional results personal results business results revenue results time-management results lifestyle changes Results vary based on many factors beyond our control, including your effort, consistency, circumstances, judgment, and personal situation. 16. Testimonials, Reviews, and Endorsements Any testimonials, examples, endorsements, or reviews displayed by Think Time® are individual experiences and do not guarantee similar results. If you submit a testimonial, review, comment, photo, or other feedback, you represent that it is truthful and based on your real experience. Federal Trade Commission guidance prohibits deceptive or unfair review and testimonial practices, and that rule has been in effect since October 21, 2024. (Federal Trade Commission) By submitting a testimonial or review, you grant Think Time® a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, edit for length or clarity, publish, and display it in connection with our business and marketing, unless otherwise agreed in writing. 17. User Conduct You agree not to use our website, community spaces, comments, chats, or services to: violate any law harass or threaten others post defamatory, abusive, obscene, or misleading content infringe intellectual property rights upload malicious code interfere with site security or performance impersonate another person engage in fraud or deceptive conduct We reserve the right to remove content and terminate access for any violation. 18. Third-Party Platforms and Links Our website and services may rely on third-party platforms, tools, payment processors, hosting providers, video platforms, email services, or scheduling services. We are not responsible for the availability, performance, policies, or acts of third parties. Your use of third-party services is subject to their own terms and policies. 19. Privacy Your use of this website is also subject to our Privacy Policy and any other policies posted on the site. By using this website, you acknowledge that you have reviewed those policies. 20. Disclaimer of Warranties To the fullest extent permitted by law, this website and all Think Time® services, content, and products are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant that: the website will be uninterrupted the website will be secure or error-free defects will be corrected content will always be current or complete files or servers will be free of viruses or harmful components 21. Limitation of Liability To the fullest extent permitted by Tennessee law and applicable U.S. law, Think Time®, Christine Howe, and our affiliates, contractors, agents, employees, successors, and assigns will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the website or services. To the fullest extent permitted by law, our total liability for any claim relating to the website, products, or services will not exceed the amount you paid to Think Time® for the specific product or service giving rise to the claim. Nothing in these Terms excludes liability that cannot lawfully be excluded under applicable law. 22. Indemnification You agree to defend, indemnify, and hold harmless Think Time®, Christine Howe, and our affiliates, agents, employees, contractors, successors, and assigns from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from: your use of the website or services your breach of these Terms your violation of any law or third-party right your misuse of our content, materials, or services 23. Compliance with Tennessee and U.S. Consumer Law Nothing in these Terms is intended to waive rights or obligations that cannot be waived under applicable Tennessee or federal law. Think Time® intends to comply with applicable U.S. and Tennessee consumer-protection laws, including laws prohibiting unfair or deceptive acts or practices in trade or commerce. Tennessee’s Consumer Protection Act expressly prohibits unfair or deceptive acts or practices, so your marketing, refund terms, and claims should stay accurate and clear. (Tennessee State Government) 24. Termination We reserve the right to suspend, restrict, or terminate your access to all or part of the website or services at any time, with or without notice, for conduct that we believe violates these Terms, harms our brand or users, or creates legal or operational risk. 25. Governing Law These Terms and any dispute arising out of or relating to them, the website, or any Think Time® product or service shall be governed by the laws of the State of Tennessee, without regard to conflict-of-law principles, and applicable federal law of the United States. 26. Venue and Jurisdiction Unless otherwise required by law, any lawsuit or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in Tennessee, and you consent to personal jurisdiction and venue in those courts. 27. Optional Arbitration Clause You may choose either this section or the court-based venue section above, depending on what your lawyer recommends. Optional version: At Company’s election, any dispute arising out of or relating to these Terms or the use of Think Time® services may be submitted to binding arbitration in Tennessee under applicable arbitration rules, and judgment on the award may be entered in any court of competent jurisdiction. Tennessee courts have enforced some arbitration/forum-selection provisions, but arbitration language should be tailored carefully for your exact business model. (Tennessee Courts) 28. Force Majeure We are not liable for delay or failure in performance caused by events beyond our reasonable control, including acts of God, natural disasters, illness, labor disputes, internet or platform outages, governmental actions, war, terrorism, public health emergencies, or utility interruptions. 29. Severability If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. 30. No Waiver Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. 31. Entire Agreement These Terms, together with any policies or agreements incorporated by reference, constitute the entire agreement between you and Think Time® regarding your use of the website and services. 32. Changes to Terms We reserve the right to modify these Terms at any time. Changes will become effective when posted on this page with an updated effective date. Your continued use of the website or services after such changes constitutes your acceptance of the revised Terms. 33. Contact Information Think Time® Attn.: Christine Howe think-time.com christine@think-time.com