Terms of Use

    Effective Date: August 1, 2026

    These Terms of Use ("Terms") govern your access to and use of MichaelAnthonyOfficial.com (the "Site") and all content, products, programs, services, and events provided by Courage Matters, LLC ("Courage Matters," "we," "us," "our"). By accessing or using the Site or purchasing or participating in any offering, you agree to these Terms. If you do not agree, do not use the Site.

    1. Eligibility. You must be at least 18 years old to purchase or enroll in our offerings.

    2. Educational Purpose; Disclaimer Incorporated. All content and offerings are for educational and informational purposes only. The Site's Disclaimer (at /disclaimer) is incorporated into these Terms by reference and applies to everything we provide, in every format, now or in the future. No medical, psychological, therapeutic, legal, financial, or other professional advice is given, and no professional relationship is formed.

    3. Intellectual Property.
    All content on the Site and in our Materials — including text, graphics, logos, images, audio, video, course content, frameworks, and trademarks (including How to Stop Kidnapping Yourself, "Mental Kidnapping," "R.A.N.T.s," "The Escape Plan," and Master Neuroplastician®) — is owned by or licensed to Courage Matters, LLC and protected by copyright, trademark, and other laws. You may access content for personal, non-commercial use only. You may not copy, reproduce, distribute, republish, sell, create derivative works from, or otherwise exploit any content without our prior written permission. Purchasing a product or program grants you a limited, personal, non-transferable, revocable license to use it — not ownership, and not resale or teaching rights.

    4. Purchases, Subscriptions, and Billing.

    • Prices are stated at checkout and may change prospectively at any time.
    • Subscriptions and purchases (including the community): billed on a recurring basis at the rate stated at signup. Cancellations are permitted as stated in the applicable subscription or purchase terms presented at the time of purchase, and only as so stated. Community subscriptions may be canceled at any time via self-serve cancellation in the member portal, effective in accordance with the terms provided at the time of subscribing.
    • Refunds: Refunds are granted solely in accordance with the refund terms stated for the specific product, service, or subscription at the time of purchase. If no refund terms are stated for an offering at the time of purchase, all sales for that offering are final, except where a refund is required by applicable law.
    • Mentoring and coaching (one-on-one and couples): governed by our written mentoring/coaching agreement, which controls over these Terms for those engagements.
    • You represent that payment information you provide is accurate and that you are authorized to use it.

    5. Mentoring and Coaching Programs. One-on-one mentoring, couples mentoring, and similar high-touch programs may be governed by a separate written agreement, which controls in the event of a conflict with these Terms.

    6. Community Conduct. If you participate in our community or events, you agree to: treat others with respect; not harass, abuse, or harm others; not share other members' personal information or private discussions; not spam, solicit, or promote without permission; and not upload unlawful or infringing content. We may remove content or suspend or terminate access for violations, without refund where permitted by the stated refund policy and applicable law.

    7. Testimonials and Results. Testimonials reflect individual experiences and are not typical. We do not guarantee results. Your outcomes depend on factors we do not control.

    8. Third-Party Services, Content, and Products. The Site and our Materials may link to or integrate third-party services (payment processors, Amazon, social platforms, podcast platforms), may include content or appearances by guest experts and other third parties, and may feature or offer third-party products or services. We are not responsible for third-party services, content, statements, products, or results, and your use of them is governed by the applicable third party's own terms and policies. Third-party statements are their own and do not constitute advice from Courage Matters, LLC. Where we are compensated for featuring or recommending third-party products or services, we will disclose that relationship as required by law.

    9. SMS TERMS. By opting in to text messages from Courage Matters, LLC (via web form or by texting a keyword such as NEXT or EXPLORE to our number), you consent to receive recurring automated and non-automated text messages, including content delivery and marketing. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to cancel, HELP for help. Supported carriers are not liable for delayed or undelivered messages. You represent that you are the owner or authorized user of the phone number provided.

    10. Disclaimer of Warranties. THE SITE AND ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

    11. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COVERED PARTIES (AS DEFINED IN THE DISCLAIMER, WHICH DEFINITION IS INCORPORATED HERE AND INCLUDES MICHAEL ANTHONY PAOLICELLI AND JANET PAOLICELLI INDIVIDUALLY, TOGETHER WITH GUEST CONTRIBUTORS, CONTRACTORS, AGENTS, LICENSORS, AFFILIATES, SUCCESSORS, AND ASSIGNS) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR MATERIALS. THE COVERED PARTIES' TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT YOU PAID TO COURAGE MATTERS, LLC IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (OR $100 IF YOU HAVE PAID NOTHING). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

    11a. Health Acknowledgment for Programs and Events. By enrolling in any program, community, mentoring, or event, you represent that you are physically and mentally able to participate, that you have consulted (or had the opportunity to consult) your own licensed providers regarding participation, and that you will promptly discontinue participation and seek appropriate professional care if you experience distress.

    11b. Recording and Media Release. Programs, community sessions, and events (live or virtual) may be recorded. By participating, you grant Courage Matters, LLC a perpetual, worldwide, royalty-free license to record, use, and publish your name, voice, likeness, image, and contributions captured in such recordings for program delivery, archival, and promotional purposes, unless you opt out in writing where an opt-out is offered. You may not record sessions or events without our prior written permission.

    11c. Injunctive Relief for IP Violations. You agree that unauthorized use of our intellectual property would cause irreparable harm for which money damages are inadequate, and that Courage Matters, LLC is entitled to seek injunctive relief in addition to all other remedies, without the requirement of posting bond.

    12. Indemnification. You agree to indemnify, defend, and hold harmless the Covered Parties from and against all claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your violation of any law or third-party right, or your misuse of the Site or Materials.

    13. Governing Law; Disputes. These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-laws principles.
    (a) Informal Resolution First. Before filing any claim, you agree to send written notice of the dispute to hello@michaelanthonyofficial.com and give Courage Matters, LLC thirty (30) days to attempt in good faith to resolve it.
    (b) Binding Individual Arbitration. Except for (i) small-claims-court actions within that court's jurisdiction and (ii) actions for injunctive relief to protect intellectual property, any dispute, claim, or controversy arising out of or relating to the Site, the Materials, or these Terms shall be resolved by BINDING ARBITRATION administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, with the seat of arbitration in South Carolina (hearings may be conducted remotely at either party's request). Judgment on the award may be entered in any court of competent jurisdiction. YOU AND COURAGE MATTERS, LLC EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION.
    (b-1) Class Action and Representative Action Waiver. All claims must be brought in the parties' individual capacities, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any representative proceeding.
    (b-2) Jury Trial Waiver (Fallback). If for any reason a dispute proceeds in court rather than arbitration, YOU AND COURAGE MATTERS, LLC EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY, and consent to the exclusive jurisdiction and venue of the state and federal courts located in South Carolina.
    (b-3) Severability of Dispute Provisions. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall proceed in court rather than arbitration, and the remainder of this Section remains in effect.
    (c) Time Limit on Claims. To the fullest extent permitted by law, any claim arising out of or relating to the Site, Materials, or these Terms must be filed within ONE (1) YEAR after the claim accrues, or it is permanently barred.
    (d) The prevailing party in any action to enforce these Terms is entitled to recover its reasonable attorneys' fees and costs to the extent permitted by law.

    14. Termination. We may suspend or terminate your access to the Site or any program for violation of these Terms. Provisions that by their nature should survive (IP, disclaimers, releases, limitations of liability, indemnification, dispute provisions, governing law) survive termination.

    14a. Copyright Complaints (DMCA). If you believe content on the Site infringes your copyright, send a notice compliant with 17 U.S.C. §512 to hello@michaelanthonyofficial.com with "DMCA Notice" in the subject line, including identification of the work, the allegedly infringing material, your contact information, a good-faith statement, a statement of accuracy under penalty of perjury, and your physical or electronic signature. We may remove material and terminate repeat infringers.

    14b. Electronic Communications and Signatures. By using the Site, purchasing, or opting in, you consent to receive communications from us electronically (email, SMS, in-platform), and you agree that electronic acceptance of these Terms and related agreements has the same force as a handwritten signature.

    14c. Force Majeure. The Covered Parties are not liable for any delay or failure to perform resulting from causes beyond reasonable control, including acts of God, natural disasters, epidemics, war, terrorism, labor disputes, governmental action, utility or internet failures, or platform outages.

    14d. International Use. We operate from the United States and make no representation that the Site or Materials are appropriate or available in other locations. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

    15. Changes to These Terms. We may revise these Terms from time to time; the Effective Date reflects the latest version. Continued use after changes constitutes acceptance.

    16. Miscellaneous. If any provision is held unenforceable, it shall be reformed (not stricken) to the minimum extent necessary to make it enforceable while preserving its intent, and the remainder stays in full effect. Our failure to enforce a provision is not a waiver. We may assign these Terms and our rights and obligations without restriction; you may not assign yours without our written consent. Headings are for convenience only. These Terms, together with the Privacy Policy, Disclaimer, and any program-specific agreements, are the entire agreement between you and Courage Matters, LLC regarding the Site.

    17. Contact. hello@michaelanthonyofficial.com · Courage Matters, LLC, PO Box 63, Travelers Rest, SC 29690.