BUSINESS UNLIMITED™ PROGRAM AGREEMENT

Effective Date: July 1, 2026

Welcome to Business Unlimited™, a business growth and implementation program offered by Favor & Wealth and led by Edna Harding and/or members of the Favor & Wealth coaching and consulting team.

Business Unlimited is designed to help entrepreneurs and business owners strengthen their businesses through strategic guidance, implementation support, accountability, biblical business principles, and practical business-growth systems.

By purchasing, enrolling in, or participating in Business Unlimited, you acknowledge that you have read, understand, and agree to the following terms.

1. PROGRAM PURPOSE

Business Unlimited is a business coaching, consulting, implementation, and accountability program designed to help participants improve areas such as:

• Business strategy and positioning
• Sales and revenue growth
• Offers and pricing
• Marketing and visibility
• Business systems and processes
• Execution and implementation
• Decision-making and stewardship
• Personal leadership and business development
• Biblical principles applicable to business and entrepreneurship

The specific services, resources, access, and support available to you will depend upon the Business Unlimited service you purchase and will be identified on your proposal, order form, Statement of Work, invoice, checkout page, or other written offer documentation.

2. BUSINESS UNLIMITED SERVICES

Favor & Wealth currently offers Business Unlimited services that may include:

Business Unlimited Business Essential

Business Essential is designed to provide structured business guidance, implementation support, accountability, resources, and strategic development to help participants strengthen and grow their businesses.

Depending upon the offer purchased, Business Essential may include:

• Group coaching and/or strategy sessions
• Implementation guidance
• Business growth training
• Sales and positioning support
• Business systems and execution strategies
• Client resources, templates, worksheets, and tools
• Access to a designated client portal and/or community
• Accountability and implementation support
• Other resources specifically identified in the applicable offer

Business Unlimited 1:1 Ad Hoc Support

Business Unlimited 1:1 Ad Hoc Support is a separate service and is not automatically included with Business Essential unless expressly stated in your offer.

Ad Hoc Support provides targeted private strategy, consulting, coaching, or implementation guidance based upon the scope purchased by the client.

Additional terms may apply and will be identified in the corresponding Statement of Work, proposal, invoice, or service agreement.

3. ENROLLMENT

Your enrollment becomes active after all applicable enrollment requirements have been completed, which may include:

1. Acceptance of this Agreement;
2. Acceptance of any applicable Client Services Agreement or Statement of Work;
3. Submission of required enrollment information; and
4. Receipt of the required payment.

Access to program materials, sessions, portals, or services may be withheld until all required documents and payments have been received.

4. PROGRAM TERM

Your specific program duration will be stated in your applicable proposal, order form, Statement of Work, invoice, or checkout page.

Business Unlimited should not be interpreted as providing indefinite access unless lifetime or continuing access is specifically stated in writing.

Access to coaching, consulting, support, communities, portals, recordings, resources, and other benefits may end upon expiration or termination of the applicable service period.

5. FEES AND PAYMENT

The price of your Business Unlimited service will be the amount displayed or agreed to at the time of purchase.

Depending upon the offer, Favor & Wealth may provide payment options such as:

• Payment in full; or
• An approved installment or recurring payment plan.

By selecting a payment plan, you authorize Favor & Wealth and its payment processor to charge the payment method provided according to the payment schedule associated with your purchase.

A payment plan represents an agreement to pay the applicable purchase price according to the agreed schedule and should not be interpreted as a pay-as-you-go arrangement unless specifically stated otherwise in writing.

6. NON-REFUNDABLE PAYMENTS

Unless expressly stated otherwise in writing, all payments made to Favor & Wealth for Business Unlimited services are non-refundable.

Payment secures your participation, access, resources, coaching capacity, consulting capacity, and/or other services associated with your engagement.

Failure to participate, attend sessions, access materials, complete assignments, use available support, or otherwise utilize the program does not relieve you of your payment obligations.

7. FAILED OR LATE PAYMENTS

You are responsible for maintaining a valid payment method.

If a scheduled payment fails or becomes overdue, Favor & Wealth may:

• Temporarily suspend program access;
• Suspend coaching or consulting services;
• Restrict access to client portals, communities, recordings, or resources; and/or
• Take other reasonable steps to collect amounts owed.

Services may remain paused until the account is brought current.

8. CANCELLATION

Cancellation rights and obligations depend upon the specific Business Unlimited offer purchased.

Where an engagement carries a defined contractual commitment, cancellation does not automatically eliminate outstanding payment obligations associated with that commitment.

Where a service is expressly designated as month-to-month or cancelable, the cancellation terms disclosed in the corresponding proposal, Statement of Work, checkout page, or order documentation will apply.

Cancellation requests must be submitted in writing using the contact method specified by Favor & Wealth.

Stopping payment, disputing a valid charge, removing a payment method, failing to participate, or ceasing communication does not constitute proper cancellation.

9. PARTICIPANT RESPONSIBILITIES

You understand that your participation materially affects the value you receive from the program.

You agree to:

• Take responsibility for your business decisions;
• Participate in good faith;
• Complete agreed-upon implementation activities where appropriate;
• Communicate professionally with Favor & Wealth and other participants;
• Respect the confidentiality and privacy of other participants;
• Refrain from disruptive, abusive, harassing, discriminatory, threatening, or inappropriate conduct;
• Protect login information and program resources from unauthorized use; and
• Comply with reasonable program policies and community standards.

10. GROUP CONFIDENTIALITY

Business Unlimited may include group coaching, community discussions, hot seats, workshops, or other environments where participants share proprietary or personal information.

You agree not to disclose another participant's:

• Business information;
• Financial information;
• Strategies;
• Personal circumstances;
• Client information;
• Intellectual property;
• Trade secrets; or
• Other confidential information

outside the program without that participant's express permission.

While Favor & Wealth requires participants to respect confidentiality, Favor & Wealth cannot guarantee that another participant will maintain confidentiality. You should exercise reasonable discretion regarding information you choose to disclose in a group environment.

11. INTELLECTUAL PROPERTY

All Business Unlimited materials are owned by Favor & Wealth and/or its applicable licensors unless otherwise stated.

This may include:

• Videos
• Training materials
• Frameworks
• Methodologies
• Templates
• Worksheets
• Workbooks
• Assessments
• Checklists
• Presentations
• Recorded sessions
• Documents
• Graphics
• Processes
• Written materials
• Proprietary systems

Your enrollment grants you a limited, personal, non-exclusive, non-transferable license to use these materials for your own business and personal development.

You may not reproduce, resell, sublicense, distribute, publish, teach, share, upload, commercially exploit, or create competing products from Favor & Wealth materials without prior written authorization.

12. RECORDINGS

Certain Business Unlimited sessions may be recorded for educational, training, replay, quality-assurance, or program purposes.

If a session will be recorded, participants may be notified through the program platform, meeting environment, agreement, or other reasonable method.

Participants who do not wish to disclose sensitive information during recorded group sessions should refrain from sharing such information.

13. NO GUARANTEE OF RESULTS

Favor & Wealth provides coaching, consulting, strategies, resources, guidance, education, and implementation support.

However, we do not guarantee any specific financial, business, revenue, sales, client, career, spiritual, personal, or other result.

Business results depend upon numerous factors outside Favor & Wealth's control, including your:

• Decisions;
• Actions;
• Implementation;
• Experience;
• Marketplace;
• Business model;
• Resources;
• Timing; and
• External circumstances.

Testimonials, case studies, examples, or results achieved by other clients are illustrations only and should not be interpreted as guarantees of your results.

14. BUSINESS AND PROFESSIONAL DISCLAIMER

Business Unlimited is intended for educational, coaching, consulting, and business-development purposes.

Nothing provided through Business Unlimited constitutes individualized:

• Legal advice;
• Accounting advice;
• Tax advice;
• Investment advice;
• Medical advice;
• Mental-health treatment; or
• Other regulated professional services.

You are responsible for obtaining advice from appropriately licensed professionals when necessary.

15. FAITH-BASED CONTENT

Favor & Wealth integrates biblical principles and Christian perspectives into portions of its coaching, consulting, training, and educational content.

Participation in Business Unlimited constitutes acknowledgment that faith-based principles may be discussed as part of the program.

Biblical teaching is provided for educational and spiritual-development purposes and does not replace professional legal, financial, medical, psychological, or other licensed advice.

16. CLIENT DECISION-MAKING

You retain complete responsibility for the decisions you make regarding your company, finances, employees, customers, marketing, sales, operations, partnerships, contracts, and other business matters.

Favor & Wealth may provide recommendations and strategic perspectives, but you determine whether and how those recommendations are implemented.

17. THIRD-PARTY TOOLS AND SERVICES

Favor & Wealth may recommend or utilize third-party software, platforms, artificial intelligence tools, applications, vendors, or other services.

Unless expressly stated otherwise, those providers operate independently from Favor & Wealth.

Favor & Wealth does not guarantee the availability, functionality, security, pricing, performance, or continued operation of third-party products or services.

18. ACCESS AND TECHNOLOGY

You are responsible for obtaining the technology, internet connection, equipment, software, and accounts reasonably necessary to participate in the program.

Favor & Wealth is not responsible for temporary interruptions caused by third-party platforms, internet outages, software failures, scheduled maintenance, or circumstances outside its reasonable control.

When reasonably possible, Favor & Wealth may provide an alternative means of accessing affected program content.

19. TERMINATION BY FAVOR & WEALTH

Favor & Wealth reserves the right to suspend or terminate participation when a participant:

• Fails to meet payment obligations;
• Materially breaches this Agreement;
• Violates confidentiality;
• Misuses Favor & Wealth intellectual property;
• Engages in harassment or abusive behavior;
• Materially disrupts the program;
• Engages in fraudulent or unlawful conduct related to the engagement; or
• Otherwise materially violates applicable program policies.

Termination for a participant's material breach does not automatically entitle the participant to a refund or eliminate amounts properly owed under an applicable payment commitment.

20. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Favor & Wealth and its owners, employees, contractors, coaches, consultants, representatives, and affiliates will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from participation in Business Unlimited.

To the extent permitted by law, Favor & Wealth's aggregate liability arising from the applicable engagement will not exceed the amount actually paid by the participant to Favor & Wealth for the specific service giving rise to the claim.

Nothing in this section excludes liability that cannot legally be excluded under applicable law.

21. FORCE MAJEURE

Favor & Wealth will not be responsible for delays or inability to perform caused by circumstances reasonably outside its control, including severe weather, natural disasters, government actions, war, civil unrest, widespread technology failures, internet or platform outages, public emergencies, or similar events.

When reasonably possible, Favor & Wealth may reschedule affected services or provide an alternative method of delivery.

22. MODIFICATIONS TO PROGRAM

Favor & Wealth may periodically improve or modify program resources, schedules, platforms, delivery methods, instructors, curriculum, or other operational components.

Changes that materially alter a participant's purchased service will be handled in accordance with the participant's applicable agreement and applicable law.

23. GOVERNING AGREEMENTS

Depending upon your engagement, you may also execute a:

• Client Services Agreement;
• Statement of Work;
• Proposal;
• Order Form; or
• Other written service agreement.

These Business Unlimited Program Terms supplement those documents.

If an inconsistency exists between these website terms and a signed agreement specifically governing your engagement, the signed agreement will control to the extent of that inconsistency.

24. GOVERNING LAW

This Agreement will be governed by the laws identified in the applicable Client Services Agreement or Statement of Work.

If no governing-law provision appears in another applicable written agreement, this Agreement will be governed by the laws of the state in which Favor & Wealth is legally organized, without regard to conflict-of-law principles.

25. SEVERABILITY

If any portion of this Agreement is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

26. ELECTRONIC ACCEPTANCE

Electronic acceptance has the same effect as a physical signature to the extent permitted by applicable law.

By checking an acceptance box, electronically signing, submitting payment, or otherwise enrolling after being presented with these terms, you acknowledge that you have read, understood, and agreed to this Agreement.

27. ENTIRE AGREEMENT

Together with any applicable Client Services Agreement, Statement of Work, proposal, order form, and incorporated written policies, this Agreement constitutes the understanding between you and Favor & Wealth concerning your participation in Business Unlimited.

ACKNOWLEDGMENT

By enrolling in Business Unlimited™, I acknowledge that:

☐ I have read and agree to the Business Unlimited Program Agreement.

☐ I understand that coaching and consulting do not guarantee business or financial results.

☐ I understand the payment obligations associated with the offer I purchased.

☐ I understand that payments are non-refundable except where otherwise required by law or expressly agreed to in writing.

☐ I agree to protect the confidentiality of other program participants and Favor & Wealth's intellectual property.

Client Name: ______________________________

Client Signature: ___________________________

Date: _____________________________________

Favor & Wealth Representative: ___________________________

Date: _____________________________________

Prefer a copy for your records? Download the PDF version of this agreement here.