Effective Date: July 29, 2026
These Terms of Use, Purchase, and Subscription (“Terms”) govern access to and use of websites, checkout pages, online communities, courses, memberships, coaching programs, digital content, and related services operated by Advisori, LLC, an Iowa limited liability company (“Advisori,” “Company,” “we,” “us,” or “our”).
These Terms apply to www.advisoriinsiders.com, www.annakonchar.com and any other Company-operated website or service that links to these Terms (collectively, the “Services”).
By accessing the Services, creating an account, or completing a purchase, you agree to these Terms and our Privacy Policy. If you do not agree, do not use or purchase the Services.
You must be at least 18 years old and legally capable of entering into a binding agreement. If you purchase or use the Services for a company or other organization, you represent that: 1. You have authority to bind that organization;
A purchaser meeting these conditions is a “Business Customer.” All other purchasers are “Individual Customers.”
Your checkout page, order form, purchase confirmation, or other written offer from Advisori may state product-specific terms, including:
The product or service purchased;
The price and applicable taxes;
The payment schedule;
The access period;
Refund eligibility;
Subscription and renewal terms; and
Other material purchase conditions.
These product-specific terms are the “Order Terms.” The Order Terms supplement these Terms. If an Order Term directly conflicts with these Terms, the Order Term controls for that purchase.
Oral statements, social-media content, webinars, advertisements, and promotional materials do not modify these Terms or the Order Terms unless Advisori expressly confirms the modification in writing.
You must provide accurate, complete, and current account, contact, and payment information. You are responsible for:
Maintaining the confidentiality of your login credentials;
Activity conducted through your account;
Maintaining a valid payment method while amounts remain due; and
Promptly notifying Advisori of suspected unauthorized access.
Accounts are personal to the registered purchaser. You may not sell, transfer, share, or sublicense an account or provide account access to another person without Advisori’s written permission.
Advisori may require identity or account verification before providing access, processing a refund, changing account information, or responding to a payment dispute.
You agree to pay all fees and applicable taxes disclosed in the Order Terms.
By providing a payment method, you authorize Advisori and its payment processor to charge that payment method according to the applicable Order Terms. You authorize Advisori to retry a failed payment as permitted by applicable law and payment-network rules.
You are responsible for your own business and implementation expenses, including advertising costs, software, contractors, equipment, taxes, and third-party services.
Except where prohibited by law, payment obligations must be satisfied without setoff, deduction, withholding, or counterclaim.
A payment dispute or chargeback does not independently cancel a purchase, installment plan, or subscription. Nothing in these Terms limits any nonwaivable billing-dispute rights.
5.1 Nature of Installment Plans
An installment plan divides the fixed purchase price of a program into multiple payments. It is financing for a completed purchase and is not a monthly subscription.
Selecting an installment plan does not create a right to cancel future installments. Except under an applicable refund policy or as required by law, all installments remain due even if you:
Stop participating;
Do not complete the program;
Discontinue using the Services;
Request that Advisori terminate your access; or
Lose access because of a violation of these Terms.
5.2 30-Day Sprint
The 30-Day Sprint may be purchased through one payment or six monthly installments, as disclosed at checkout. All sales are final. The purchase may not be canceled, and payments are nonrefundable except as required by law.
5.3 Lifestyle CEO Accelerator
Lifestyle CEO Accelerator may be purchased through one payment or six monthly installments, as disclosed at checkout.
All sales are final. The purchase may not be canceled, and payments are nonrefundable except as required by law.
5.4 Failed Payments and Cure Period
If an installment payment fails, Advisori may provide written notice and an opportunity to cure.
If the payment remains unpaid for fifteen days after notice, or any longer period required by law, Advisori may: Suspend access;
Retry the authorized payment method;
Declare the remaining unpaid purchase price immediately due; and
Refer the unpaid balance for collection.
Business Customers are responsible for reasonable collection costs and attorneys’ fees incurred to collect a valid unpaid balance, to the extent permitted by law.
5.5 Late Charges
Advisori may assess a late charge only if the charge is disclosed in the Order Terms and permitted by applicable law. Any late charge will be limited to the lesser of:
Advisori will not charge interest on an unpaid late charge.
Advisori Insiders PRO includes the conditional satisfaction guarantee described in this Section.
6.1 Deadline
You must submit your request to [email protected] no later than 11:59 p.m. Central Time on the thirtieth calendar day after enrollment.
6.2 Eligibility Conditions
To qualify, you must:
6.3 Processing and Effect of Refund
A request submitted after the deadline or without all required materials does not qualify.
Each person, business, and commonly controlled affiliated business may receive no more than one Advisori Insiders PRO refund under this guarantee.
A qualifying refund is limited to amounts actually paid for Advisori Insiders PRO. Upon issuance: Access to the program and related communities ends;
Any license to use program materials ends; and
You must stop using and delete downloaded materials, except for records required by law.
The guarantee is the exclusive contractual remedy for dissatisfaction with Advisori Insiders PRO, subject to any nonwaivable rights.
After the guarantee period expires, all payments are nonrefundable, and remaining installments continue to be due regardless of participation or completion.
7.1 Renewal Authorization
The applicable Order Terms will disclose:
The subscription product;
The amount and frequency of recurring charges;
The initial and renewal periods;
How to cancel;
Any trial or promotional period; and
When the first and subsequent charges will occur.
By separately accepting the recurring-payment disclosure at checkout, you authorize Advisori to charge the stated subscription fee at each renewal until you cancel.
7.2 Ads Engine
Ads Engine is available as a monthly or annual subscription, as disclosed at checkout. It renews automatically for successive periods of the same length until canceled.
You may cancel before the next renewal charge through the online cancellation method available in your account or purchase confirmation. You may also contact [email protected] for assistance.
Cancellation becomes effective at the end of the current paid subscription period.
7.3 Advisori Insiders PRO Alumni
Advisori Insiders PRO Alumni is an automatically renewing membership. The price and billing frequency will be disclosed at checkout.
You may cancel at any time through the online cancellation method available in your account or purchase confirmation. You may also email [email protected].
Cancellation becomes effective at the end of the current paid period.
7.4 Refunds Following Cancellation
Cancellation stops future renewal charges. Fees paid for the current billing period are nonrefundable and will not be prorated, except as required by law or expressly stated in the Order Terms.
7.5 Renewal and Price Notices
Advisori will provide renewal reminders, annual reminders, price-change notices, and other notices when required by applicable law.
A changed subscription price will apply beginning with a future renewal after the applicable notice period. Advisori will obtain additional consent or provide cancellation and refund rights where required by law.
7.6 Cancellation Process
Advisori will provide a reasonably accessible cancellation method through the same medium used to enroll or another method permitted by law.
Online cancellation will not require unnecessary steps or communications. Advisori will provide confirmation after processing a cancellation.
The applicable Order Terms will state the access period, if any.
Advisori may change:
These changes do not create a refund right if the program’s material educational purpose remains substantially available.
Advisori may provide substitute content, replacement sessions, revised materials, or an access extension when reasonably appropriate.
If Advisori fails to provide a material portion of a purchased Service due to an error within Advisori’s reasonable control, Advisori may, at its option:
To the extent permitted by law, these remedies are your exclusive contractual remedies for unavailable content, scheduling changes, delivery errors, or service interruptions.
The Services provide general educational and informational content. They do not provide legal, financial, accounting, tax, medical, mental-health, or other licensed professional services.
You remain responsible for your business decisions, implementation, expenses, and results. Advisori does not guarantee:
Revenue or profit;
Customer acquisition;
Business growth;
Advertising performance;
Employment or career outcomes;
Return on investment; or
Any other financial or business result.
Examples, testimonials, case studies, and statements about past results describe individual experiences. Results vary based on experience, market conditions, effort, resources, implementation, pricing, and business model.
The Services and all related materials are owned by or licensed to Advisori and are protected by intellectual-property laws. Protected materials include videos, recordings, templates, written materials, graphics, branding, methods, course content, downloads, community resources, and underlying software.
Subject to full payment and compliance with these Terms, Advisori grants you a limited, personal, nonexclusive, nontransferable, nonsublicensable, revocable license to use purchased materials for your own internal business or educational purposes.
You may not:
Copy, reproduce, distribute, sell, sublicense, or publicly display the materials;
Share credentials or materials with another person;
Record live sessions without written permission;
Remove proprietary notices;
Create or sell a competing or derivative course, program, template, or service;
Use the materials to train, fine-tune, test, or develop an artificial-intelligence system;
Use automated tools to extract prompts, content, data, or instructional methods;
Systematically transcribe or summarize materials for redistribution;
Scrape, crawl, index, or data mine the Services;
Reverse engineer or attempt to access source code;
Upload materials to shared drives, repositories, marketplaces, or content libraries; or
Use Advisori’s names, trademarks, logos, or branding without written permission.
Actual or threatened misuse of Advisori’s intellectual property may cause irreparable harm. Advisori may seek injunctive relief in addition to other available remedies.
You retain ownership of content you submit through the Services.
You grant Advisori a nonexclusive, worldwide, royalty-free license to host, reproduce, process, and display that content as reasonably necessary to:
Operate the Services;
Provide the purchased program;
Maintain security;
Respond to support requests; and
Enforce these Terms.
Advisori will not use your name, image, voice, testimonial, or identifiable business results in advertising without separate consent.
You represent that you have the necessary rights to submit your content and that it does not violate another person’s rights.
If you provide suggestions, ideas, improvements, or other feedback about the Services, you grant Advisori a perpetual, irrevocable, worldwide, transferable, sublicensable, royalty-free right to use, modify, commercialize, and incorporate that feedback without compensation, attribution, or restriction.
Feedback does not include your confidential business information or identifiable personal information.
Advisori may create and use aggregated or deidentified information derived from use of the Services for: Analytics;
Security;
Benchmarking;
Product development;
Service improvement; and
Business planning.
Advisori will not attempt to reidentify information treated as deidentified under this Section.
You may not use the Services or related communities to:
Harass, threaten, impersonate, or defame another person;
Post unlawful, discriminatory, obscene, or infringing content;
Send spam or unauthorized solicitations;
Recruit participants for another program, business, or employment opportunity;
Build marketing lists using participant information;
Market or sell products or services to participants without Advisori’s written approval;
Collect personal information without permission;
Use another participant’s confidential information outside the program;
Introduce malware or interfere with security;
Access content or accounts without authorization; or
Disrupt sessions, communities, or other participants’ use of the Services.
Advisori may remove content, restrict community features, or suspend access when it reasonably believes these standards have been violated.
The Services may depend on payment processors, social-media platforms, hosting providers, community platforms, software vendors, and other third parties.
Advisori does not control those third parties and is not responsible for their independent acts, omissions, security, availability, or terms.
Your use of a third-party service may be governed by that provider’s separate terms and privacy policy.
Advisori may immediately suspend access while investigating:
Suspected fraud;
Unauthorized account sharing;
Security threats;
Intellectual-property misuse;
Abusive or disruptive conduct;
Material payment disputes; or
Other suspected material violations.
Advisori may terminate access for a substantiated material breach. When reasonably practicable, Advisori will provide notice and an opportunity to cure before permanent termination.
Suspension or termination resulting from a substantiated violation does not create a refund right. Termination does not eliminate payment obligations arising from a completed fixed-price purchase.
Advisori may preserve account records and content as reasonably necessary for legal, security, payment, and enforcement purposes.
Advisori is not liable for delays, interruptions, or failure to perform caused by circumstances outside its reasonable control, including:
Internet or platform outages;
Cyberattacks or security incidents;
Government action;
Natural disasters or severe weather;
Illness or incapacity;
Labor disruptions;
Utility failures;
Public-health emergencies; or
Failures of third-party providers.
Advisori may reschedule performance, substitute instructors or platforms, provide replacement content, or extend access. These substitute remedies will apply instead of a refund when they preserve the material benefit of the purchased Service.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
ADVISORI DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.
ADVISORI DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR COMPATIBLE WITH EVERY DEVICE OR THIRD-PARTY PLATFORM.
SOME JURISDICTIONS LIMIT WARRANTY DISCLAIMERS. IN THOSE JURISDICTIONS, THESE DISCLAIMERS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVISORI AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR:
INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES; LOST PROFITS, REVENUE, DATA, CUSTOMERS, BUSINESS OPPORTUNITIES, OR GOODWILL; BUSINESS INTERRUPTION;
COSTS OF SUBSTITUTE SERVICES; OR
LOSSES RESULTING FROM BUSINESS DECISIONS OR IMPLEMENTATION.
ADVISORI’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO A PAID PRODUCT OR SERVICE WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID ADVISORI FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS BEFORE THE EVENT CREATING LIABILITY.
FOR FREE SERVICES, ADVISORI’S TOTAL AGGREGATE LIABILITY WILL BE ZERO DOLLARS TO THE EXTENT PERMITTED BY LAW.
These limitations do not apply to liability that cannot lawfully be limited, including liability for fraud, willful misconduct, or gross negligence where applicable.
To the extent permitted by law, you will indemnify and hold harmless Advisori and its owners, officers, employees, contractors, and affiliates from third-party claims, damages, judgments, and reasonable costs arising from:
Your unlawful or unauthorized use of the Services;
Your material violation of these Terms;
Content you submit;
Your infringement of another person’s rights; or
Products, services, advertising, or business activities you develop or conduct using information from the Services.
Advisori will provide reasonable notice of a covered claim. You may not settle a claim in a manner that admits wrongdoing by or imposes obligations on Advisori without Advisori’s written consent.
Before filing a lawsuit or arbitration, the complaining party must send written notice describing the dispute, relevant facts, account information, and requested relief.
Notices to Advisori must be emailed to [email protected] with the subject line “Legal Dispute Notice.” The parties will attempt in good faith to resolve the dispute for thirty days after receipt of a complete notice.
This requirement does not prevent a party from seeking temporary injunctive relief when necessary to prevent immediate harm.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO HAVE A DISPUTE DECIDED BY A COURT OR JURY.
Except for eligible small claims and requests for temporary injunctive relief, any dispute arising out of or relating to these Terms, the Services, or your relationship with Advisori will be resolved through binding individual arbitration administered by the American Arbitration Association under its applicable Consumer Arbitration Rules.
The Federal Arbitration Act governs this arbitration provision.
The arbitrator has exclusive authority to resolve disputes concerning the interpretation, applicability, or enforceability of this arbitration provision, except that a court will decide disputes concerning the class-action waiver.
Arbitration may occur by telephone, videoconference, written submissions, or in person, as permitted by the applicable rules. An Individual Customer may elect an in-person hearing in the county where the customer resides unless the parties agree otherwise.
Fees will be allocated under the applicable arbitration rules and law.
DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY. NEITHER PARTY MAY BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR ARBITRATION.
TO THE EXTENT A DISPUTE PROCEEDS IN COURT, EACH PARTY WAIVES THE RIGHT TO A JURY TRIAL TO THE MAXIMUM EXTENT PERMITTED BY LAW.
If the class-action waiver is finally held unenforceable for a particular claim, that claim must proceed in court rather than class arbitration.
Either party may bring an individual claim in a small claims court having jurisdiction. An Individual Customer may use an eligible small claims court in the county where the customer resides.
Either party may seek temporary or preliminary injunctive relief concerning intellectual-property misuse, unauthorized access, security threats, or other immediate and irreparable harm.
You may opt out of arbitration by emailing [email protected] within thirty days after first accepting these Terms.
The notice must include:
Your full name;
Your account email address;
Your purchase date; and
A clear statement that you are opting out of arbitration.
Opting out does not affect the remaining provisions of these Terms or your access to the Services.
A Business Customer must commence any claim arising out of or relating to the Services or these Terms within one year after the claim accrues.
A claim commenced after that period is permanently barred to the extent permitted by law.
This contractual period does not apply to Individual Customers or claims subject to a nonwaivable statutory limitation period.
Iowa law governs these Terms without regard to conflict-of-law principles. The Federal Arbitration Act governs the arbitration provision.
For disputes not subject to arbitration or small claims court, the parties consent to the exclusive jurisdiction of the state and federal courts located in Polk County, Iowa.
Nothing in these Terms eliminates nonwaivable protections available under applicable law.
Advisori may make nonmaterial changes effective upon posting.
For changes that materially affect existing customers, Advisori will provide reasonable advance notice by email, account notification, or another appropriate method.
A material change to the arbitration provision will not apply retroactively to a dispute that arose before the change.
If you reject a material change, you may discontinue use and cancel an automatically renewing subscription before the change becomes effective. Existing fixed-price installment obligations remain governed by the Terms accepted at purchase.
You consent to receive purchase confirmations, receipts, account notices, renewal notices, cancellation confirmations, and other transactional communications electronically.
You may withdraw consent to marketing communications without affecting transactional communications needed to administer your account or purchases.
Assignment: You may not assign these Terms without Advisori’s written consent. Advisori may assign these Terms in connection with a merger, acquisition, reorganization, financing, or sale of relevant assets.
Severability: If a provision is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will continue in effect.
Waiver: A failure to enforce a provision is not a waiver.
Entire Agreement: These Terms, the applicable Order Terms, and the Privacy Policy constitute the entire agreement concerning the Services and supersede prior discussions and representations concerning the same subject matter.
No Third-Party Beneficiaries: These Terms create rights only for you and Advisori.
Independent Parties: These Terms do not create an employment, agency, partnership, joint-venture, fiduciary, or franchise relationship.
Survival: Payment obligations, intellectual-property restrictions, disclaimers, liability limitations, indemnification, and dispute-resolution provisions survive termination.
Questions, cancellation requests, refund requests, arbitration opt-outs, and legal notices may be sent to:
Advisori, LLC
Email: [email protected]
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