Terms and Conditions

Effective: December 22, 2025 | Last Updated: December 22, 2025

1. About Humbrella

Humbrella ("we," "us," "our") is a personal growth and support platform operated by Invirtua Inc., a company registered in Nevada, USA. Our service includes:

• Video content and lessons from Cindy Farmer and other contributors
• Audio content, podcasts, and webinars
• Community discussion spaces
• Structured courses and learning paths
• Live events and Q&A sessions

Our mission is to provide shelter from life's storms—a safe space for personal growth, reflection, and community support.

2. Who Can Use Humbrella

To use Humbrella, you must:

• Be at least 18 years old
• Be able to form a binding contract
• Not be prohibited from using our services under applicable law
• Agree to these Terms and our Privacy Policy

We do not knowingly allow anyone under 18 to create an account. If we discover an underage user, we will terminate the account and delete associated data.

3. Your Account

Creating Your Account

To access most features, you will need to create an account with:

• A valid email address
• A secure password
• A display name of your choosing

Your Responsibilities

• Keep your login credentials secure
• Do not share your account with others
• Notify us immediately if you suspect unauthorized access
• Keep your email address current so we can reach you

You are responsible for all activity under your account. If someone else uses your account without permission, let us know right away.

4. Your Identity and Privacy

Display Names

You choose a display name that represents you in the community. This can be your first name, a nickname, or a pseudonym. Your display name:

• Is how other members see you
• Does not need to match your legal name
• Can be changed in your account settings
• Must not impersonate another person or violate our guidelines

Anonymous Posting

In community spaces, you may post anonymously. When you do:

• Other members see "Anonymous" instead of your display name
• Our admin team can still identify you for safety/moderation purposes
• Anonymous posting is a privilege that may be revoked if abused

Privacy Protection

We protect your real identity. Other members can never see your:

• Email address
• Real name
• Phone number
• Subscription level
• Viewing history or course progress

For full details, see our Privacy Policy.

5. Subscriptions and Payments

Subscription Tiers

We offer multiple access levels:

Tier	Access
Exposed (Free)	Limited content, community access
Covered ($14.99/mo)	Expanded content library
Sheltered ($29.99/mo)	Full content access, exclusive features and events

Current pricing is displayed on our subscription page.

Satisfaction Guarantee

We want you to be completely satisfied with Humbrella. If you are not happy with your subscription, contact us and we will work with you to make it right.

Billing

• Subscriptions are billed monthly as selected
• Payments are processed securely by Stripe
• Your subscription renews automatically unless cancelled
• We will notify you before any price changes affect your subscription

Cancellation

• You can cancel your subscription at any time from your account settings
• Cancellation takes effect at the end of your current billing period
• You retain access until your paid period ends

Questions About Billing?

If you have questions about your subscription or billing, contact us at [email protected].

6. Our Content

What We Provide

Humbrella offers personal growth content including videos, audio, written materials, courses, and community discussions. This content is created by Cindy Farmer, Gary Jesch, and invited contributors.

Intellectual Property

All Humbrella content—videos, audio, text, graphics, and course materials—is owned by Invirtua Inc. or our licensors. You may:

• Access content according to your subscription tier
• Download materials we explicitly make available for download
• Share your personal insights and experiences

You may not:

• Copy, distribute, or republish our content
• Use our content for commercial purposes
• Remove copyright or attribution notices
• Share your account or login credentials
• Record, screenshot, or capture content for redistribution

7. Community Guidelines

Our community is a safe space for growth and support. To keep it that way:

Do:

• Be kind and supportive to fellow members
• Share your experiences and insights authentically
• Respect others' privacy and vulnerability
• Report concerning content to our team
• Use the anonymous posting feature when you need extra privacy

Do Not:

• Harass, bully, or attack other members
• Share others' personal information
• Post spam, promotions, or solicitations
• Share explicit, violent, or illegal content
• Impersonate others or create fake accounts
• Attempt to identify anonymous posters
• Use the community to recruit for other services or causes

Moderation

Our team monitors community spaces. We may:

• Remove content that violates guidelines
• Issue warnings for first-time violations
• Temporarily or permanently suspend accounts for repeated violations
• Revoke anonymous posting privileges if abused

If you see something concerning, please report it. We take every report seriously.

8. Your Content

When you post in our community or submit feedback:

You Keep Ownership

Your words remain yours. By posting, you grant us a license to display your content within Humbrella—but we do not own it and will not use it outside our platform without permission.

Your Responsibilities

You are responsible for what you post. Do not share:

• Content that infringes others' rights
• False information presented as fact
• Others' private information
• Anything illegal or harmful

Content Removal

You can delete your own posts at any time. If you delete your account, your posts will either be deleted or attributed to "Deleted User" (see our Privacy Policy).

9. Third-Party Services

Humbrella may use third-party software for certain features, which may require a separate log-in for structured courses, online video conferences, and live events. When using these services, you are also subject to their terms and conditions.

Payment Processing

Payments are processed by Stripe. When you make a purchase, you are also subject to Stripe's Terms of Service.

External Links

Humbrella may contain links to external websites or services. We are not responsible for the content, privacy practices, or terms of these external sites.

10. Prohibited Uses

You agree not to:

• Use Humbrella for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the platform's operation
• Scrape, copy, or extract our content or user data
• Use automated systems (bots) to access the service
• Reverse engineer our software or systems
• Create accounts using false information
• Use the platform to harm, exploit, or deceive others

11. Account Termination

By You

You can close your account at any time through your account settings or by contacting us. When you request deletion:

• We confirm via email
• You have 7 days to change your mind
• After 7 days, we delete your personal data
• This process completes within 30 days

By Us

We may suspend or terminate your account if you:

• Violate these Terms or Community Guidelines
• Engage in fraudulent activity
• Pose a risk to other members or our platform

Except in cases of serious violations, we will warn you before termination and give you an opportunity to address the issue.

Effect of Termination

• Your access to content and community ends
• Active subscriptions are cancelled (no refund for current period)
• Your personal data is deleted per our Privacy Policy
• These Terms continue to apply to past activity

12. Important Disclaimers

Personal growth is a journey, and results vary. Our content provides perspectives and tools—how you apply them is up to you.

13. Limitation of Liability

To the maximum extent permitted by law:

• Invirtua Inc. is not liable for indirect, incidental, or consequential damages
• Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim
• We are not responsible for actions of other members
• We are not responsible for third-party services (Stripe, Thinkific, Zoom, GoTo Webinar, etc.)

Some jurisdictions do not allow liability limitations, so these may not fully apply to you.

14. Disputes and Governing Law

Governing Law

These Terms are governed by the laws of the State of Nevada, USA, without regard to conflict of law principles.

Informal Resolution

Before filing any legal claim, please contact us at [email protected]. We will try to resolve disputes informally within 30 days.

Jurisdiction

If informal resolution fails, any legal proceedings will be conducted in the courts of Nevada, USA. You consent to this jurisdiction.

15. Changes to Terms

We may update these Terms occasionally. When we make significant changes:

• We will update the "Last Updated" date
• We will notify you by email at least 30 days before changes take effect
• Continued use after the effective date means you accept the new terms
• If you disagree, you may close your account before the changes take effect

16. Contact Us

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