Terms of Service

These Terms of Service ("Terms") govern your access to and use of rewiretoraise.com and any related content, features, tools, emails, and communications (collectively, the "Services") provided by Mfasys LLC, a Utah limited liability company ("Mfasys," "we," "us," "our"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services. By using the Services you represent that you meet this requirement.

The Services provide educational and coaching content only. They are not medical, psychological, therapeutic, legal, or financial advice, and do not create a professional relationship. See our Disclaimer for details. In an emergency, contact your local crisis services.

Mfasys is an independent partner that facilitates access to programs delivered by Fulfill Life Yourself (FLY). Mfasys is not an employee of FLY. Program delivery, facilitator matching, session terms, pricing, refunds, and cancellations for the FLY program are governed by FLY's own terms, which you accept separately when you enroll with FLY.

All content on the Services — including text, graphics, logos, images, audio, video, code, program names, and the "Rewire to Raise" and "Mfasys" brands — is owned by Mfasys or its licensors and is protected by copyright, trademark, and other laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and view the Services for your personal, non-commercial use. You may not copy, reproduce, republish, repackage, resell, scrape, mirror, distribute, publicly display, use to train any machine-learning model, or create derivative works from any content on the Services without our prior written consent.

When you send us a message, quiz response, or other content, you grant us a non-exclusive, worldwide, royalty-free license to use that content solely to respond to you and operate the Services. You represent that your submissions are accurate, are yours to share, and do not violate any law or third-party right.

You agree not to:

• Use the Services to send spam, harass, threaten, or defame anyone.
• Submit false, misleading, or unlawful information.
• Attempt to gain unauthorized access to any account, system, or data.
• Probe, scan, or test the vulnerability of the Services, or bypass any security or authentication measure.
• Interfere with, disrupt, or overload the Services.
• Use automated means (bots, scrapers, crawlers) to access the Services except as permitted by our robots.txt and applicable law.
• Use the Services or its outputs to train or fine-tune any machine-learning model.
• Impersonate any person or misrepresent your affiliation.

Certain features of the Services may be powered by artificial intelligence. AI outputs can be inaccurate, incomplete, or inappropriate for your situation and must not be relied on as professional advice. See our AI Disclosure for full details.

The Services may link to third-party sites (for example, the FLY program page). We do not control and are not responsible for third-party content, products, or practices. Your use of any third-party site is at your own risk and subject to that site's own terms.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND FREEDOM FROM ERRORS OR HARMFUL COMPONENTS. WE DO NOT WARRANT ANY OUTCOME, RESULT, OR BENEFIT FROM USE OF THE SERVICES.

TO THE FULLEST EXTENT PERMITTED BY LAW, MFASYS AND ITS OWNERS, OFFICERS, AGENTS, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

You agree to indemnify, defend, and hold harmless Mfasys and its owners, officers, agents, and contractors from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any law or third-party right.

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

Please read this section carefully — it affects your legal rights.

You and Mfasys agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (including their formation, interpretation, breach, or termination) will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual action in small-claims court for disputes within that court's jurisdiction.

The arbitration will be conducted in English, in the U.S. state where you reside (or by video/phone where available), before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You and Mfasys agree that disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

30-day opt-out. You may opt out of this arbitration agreement by emailing mfasys@rewiretoraise.com with the subject line "Arbitration Opt-Out" within 30 days after you first accept these Terms. Opting out will not affect any other part of these Terms.

If any portion of this section is found unenforceable, the remainder will remain in effect, except that if the class action waiver is found unenforceable, the entire arbitration section will be void as to the affected claim.

These Terms are governed by the laws of the State of Utah, U.S.A., without regard to conflict-of-laws principles. For any matter not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Salt Lake County, Utah.

We may update these Terms from time to time. Continued use of the Services after changes take effect constitutes your acceptance of the revised Terms.

Questions about these Terms? mfasys@rewiretoraise.com.