THE SPIRITUAL INVESTOR CLUB & CLUB ADVANCED — TERMS OF USE + CLIENT AGREEMENT

(Effective upon enrollment)

Welcome to The Spiritual Investor Club and Club Advanced (“SI Club,” “Club Advanced,” “we,” “us,” “our”). These Terms of Use (“Agreement”) govern your access to and participation in all SI Club and Club Advanced materials, community spaces, trainings, and services.

By joining SI Club or SI Club Advanced, accessing any content, or checking the box to accept this Agreement, you acknowledge that you have read, understand, and agree to be bound by these Terms.

1. Who We Are

The Spiritual Investor is created and owned by Elizabeth Ralph and Financial Story, LLC.
Throughout this Agreement, “The Spiritual Investor,” “Financial Story, LLC,” “Elizabeth Ralph,” and “we/us” may be used interchangeably.

“You,” “Client,” or “Member” refers to the individual enrolling in and accessing SI Club or SI Club Advanced.

2. What You Receive

Upon joining SI Club or Club Advanced, you receive access to some or all of the following, depending on your membership tier:

  • Community access

  • Stock lists and educational materials

  • Market updates

  • Accountability and support

  • SI videos, lessons, and resources

Access levels vary by tier and may change or evolve over time.

3. Results Not Guaranteed

We provide education, tools, and support — not guaranteed outcomes.

Elizabeth Ralph is not acting as a licensed psychologist, financial advisor, or investment advisor. Your results depend on your own effort, skills, commitment, personal financial situation, audience, and level of implementation.
We cannot and do not guarantee increases in income, investment returns, business success, or financial outcomes.

Testimonials represent individual experiences and are not guarantees of results. By participating, you agree that your outcomes are your responsibility.

4. Investment Information Disclaimer

Financial Story, LLC is an educator, not an investment advisor.
Nothing provided in SI Club or Club Advanced is:

  • personalized investment advice

  • a recommendation to buy/sell securities

  • a guarantee of market performance

  • a prediction of future outcomes

You acknowledge that:

  • information may not be updated after delivery

  • you are responsible for your own research and decisions

  • you should not rely solely on SI Club content to make investment choices

Financial Story, LLC, Elizabeth Ralph, or affiliates may hold personal positions in securities discussed. This does not create an obligation to disclose, update, or maintain such positions.

We are not liable for financial losses of any kind.

5. Client Conduct

You agree not to use SI Club or Club Advanced to:

  • Harass, abuse, or harm others

  • Violate intellectual property rights

  • Engage in fraud

  • Share violent, hateful, or discriminatory content

  • Collect or distribute members’ personal information

You agree to respect the privacy of the community and all confidential information shared inside SI Club or Club Advanced.

6. Payment Terms

Access to SI Club and SI Club Advanced requires payment of the membership fees applicable to the tier you select at checkout unless your access is included as part of another program (such as the Mastermind).

If you join SI Club or SI Club Advanced directly, your membership fees will be clearly displayed at checkout and will be charged through our payment processor (Stripe). These fees may be billed monthly or annually depending on the option you choose.

If your access to SI Club Advanced is provided complimentary or bundled through a separate program (such as the Mastermind), then the payment terms for SI Club Advanced do not apply to you during your complimentary access period. After that period, continued access will require enrolling in SI Club Advanced under the current pricing and Terms.

Failure to complete required payments when applicable may result in revoked access.

By joining SI Club or Club Advanced, you agree to the posted pricing at the time of enrollment.

Payments are processed via Stripe and will auto-renew unless canceled.
If a payment fails, access may be revoked after 10 days.

7. Cancellation

You may cancel at any time inside your Mighty Networks account settings.
No refunds are provided for partial months, unused access, or completed billing cycles.

8. Limited License

You receive a personal, non-transferable, revocable license to access SI Club or Club Advanced content for personal use only.

You may not:

  • reproduce, distribute, or share materials

  • sell or resell SI content

  • grant access to others

  • use materials for commercial purposes without explicit written permission

All content remains the intellectual property of Elizabeth Ralph and Financial Story, LLC.

9. Release

You release Elizabeth Ralph and Financial Story, LLC from liability related to disputes between you and other members.

10. Indemnification

You agree to indemnify and hold us harmless for claims arising from:

  • your use or misuse of SI materials

  • your violation of this Agreement

  • your infringement of intellectual property

  • your actions within the community

11. Limitation of Liability

To the fullest extent permitted by law:

  • our total liability will not exceed the amount you paid at the time of the event giving rise to the claim

  • we are not liable for indirect, incidental, consequential, punitive, or special damages

12. Eligibility

You certify that you are 18 years of age or older and legally able to enter this Agreement.

13. Entire Agreement

This Agreement supersedes all prior agreements and represents the full understanding between you and Financial Story, LLC.

Any changes must be made in writing and agreed to by all parties.

14. Severability

If any part of this Agreement is found unenforceable, the remainder shall stay in effect.

15. Force Majeure

We are not liable for disruptions beyond our control, including but not limited to:
acts of God, pandemics, war, power outages, technical failures, strikes, or government actions.

16. Dispute Resolution

If a dispute arises:

  1. The Parties agree to attempt good-faith resolution.

  2. If unresolved, the dispute will be submitted to binding arbitration with a single arbitrator.

  3. Arbitration shall follow governing federal law and the laws of California.

Exception: Intellectual property claims by Elizabeth Ralph may be pursued through litigation.

17. Governing Law

These terms are governed by the laws of the State of California.

By clicking “I Agree,” you acknowledge that you have read, understood, and accepted these Terms of Use.