PRIVACY POLICY and TERMS AND CONDITIONS

⭐ THE DIVINE RETURN — PRIVACY POLICY

Last Updated: November 2025

Welcome to The Divine Return.
This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, purchase our programs, or engage with our services.

By using our website or purchasing from us, you agree to the practices described in this policy.

1. Information We Collect

We may collect the following categories of information:

a. Personal Information Provided by You

  • Name

  • Email address

  • Phone number (optional)

  • Billing address

  • Payment information (processed securely by Stripe)

  • Any information submitted on forms, during coaching calls, or through our membership platform

b. Automatically Collected Information

When you access the website, we may automatically collect:

  • IP address

  • Browser type

  • Device information

  • Usage data (pages visited, time spent, etc.)

c. Cookies & Tracking Technologies

We use cookies to:

  • Improve website performance

  • Personalize user experience

  • Analyze usage statistics

  • Maintain secure user sessions

You may disable cookies in your browser settings, but certain features may not function correctly.

2. How We Use Your Information

We use your information to:

  • Provide spiritual coaching, mindset coaching, and personal development services

  • Deliver digital courses, workbooks, and membership content

  • Process payments through Stripe

  • Communicate updates, confirmations, and customer support

  • Improve our website, content, and offerings

  • Ensure compliance with legal obligations

  • Monitor for fraudulent or abusive activity

We do not sell personal information.

3. Payment Processing (Stripe)

All payments are processed through Stripe, a secure, PCI-compliant third-party processor.

Stripe may collect additional information for identity verification, fraud protection, or compliance with financial regulations.

Your payment details are not stored on our servers and are handled exclusively by Stripe.

4. Sharing of Information

We may share your information only in the following situations:

  • With service providers assisting us (Stripe, email platforms, membership platforms, analytics tools)

  • To comply with legal obligations or valid governmental/regulatory requests

  • To enforce our Terms & Conditions

  • To protect the safety and rights of our customers, business, and community

We do not sell or trade your personal information to third parties for marketing.

5. Data Security

We implement reasonable security measures to protect your personal information, including:

  • Encrypted payment processing through Stripe

  • Secure hosting

  • Limited internal access

  • Password-protected systems

While we strive to protect your information, no method of data transmission is 100% secure.

6. Your Rights

Depending on your location, you may have rights such as:

  • Access to your personal data

  • Requesting corrections or updates

  • Requesting deletion of your data

  • Opting out of non-essential emails

  • Requesting data portability

To exercise any of these rights, email us at:
misty@queenoffutures.biz

7. Data Retention

We retain personal data only as long as necessary to:

  • Provide services

  • Maintain memberships or course access

  • Comply with legal and financial obligations

  • Resolve disputes

  • Enforce agreements

8. Children’s Privacy

The Divine Return is intended for individuals 18 years and older.
We do not knowingly collect data from minors.

9. Changes to This Privacy Policy

We may update this policy at any time.
Changes are effective immediately upon posting on our website.

10. Contact Us

If you have questions about this Privacy Policy, contact:

The Divine Return Support
Email: misty@queenoffutures.biz

⭐ THE DIVINE RETURN — TERMS & CONDITIONS

Last Updated: November 2025

These Terms & Conditions govern your access to and use of The Divine Return website, courses, coaching programs, and memberships.

By using our website or purchasing our services, you agree to these terms.

1. Nature of Services

The Divine Return provides:

  • Spiritual coaching

  • Mindset coaching

  • Emotional healing programs

  • Nervous system regulation tools

  • Personal development education

  • Digital courses, video programs, and PDF workbooks

  • Membership communities

  • One-on-one coaching sessions

WE DO NOT PROVIDE:

  • Trading services

  • Investment services

  • Financial advice

  • Legal or medical advice

  • Guaranteed outcomes of any kind

  • Management of client funds

  • Signals, trade calls, or investment predictions

All information provided is for educational and personal development purposes only.

2. User Responsibilities

By using our services, you agree:

  • You are at least 18 years old

  • You will not rely on our content as financial or investment advice

  • You understand results vary and are not guaranteed

  • You are solely responsible for your choices and actions

  • You will not misuse the site or share copyrighted materials without permission

3. Purchases & Payment Terms

All payments are securely processed through Stripe.

By purchasing:

  • You authorize Stripe to charge your selected payment method

  • You agree the information you provide is accurate and complete

  • You understand unauthorized chargebacks may result in loss of access to programs or services

If you are on a payment plan:

  • All scheduled payments must be completed

  • Failure to complete payments may result in suspension or termination of access

4. Refund Policy

Unless otherwise stated on a specific product or checkout page:

  • All sales are final.

Due to the digital nature of our programs, immediate access to materials, and the structure of coaching services, refunds are generally not provided.

If you believe you have a unique situation, you may contact us at:

misty@queenoffutures.biz

Refunds are granted at our sole discretion.

5. Membership & Course Access

Access to memberships, programs, and digital products is granted for the duration described at purchase.

We reserve the right to:

  • Remove community access for harmful or disruptive behavior

  • Adjust program materials, structure, or delivery

  • Update or modify digital content

  • Suspend access for payment failures or policy violations

6. Intellectual Property

All content including, but not limited to:

  • Videos

  • PDFs

  • Workbooks

  • Curriculum

  • Coaching frameworks

  • Branding

  • Graphics

  • Written material

…is the exclusive property of The Divine Return.

You may not:

  • Share

  • Copy

  • Resell

  • Distribute

  • Reproduce

  • Upload content to public platforms

without prior written permission from us.

7. Disclaimer of Warranties

You understand and agree:

  • We do not guarantee emotional, spiritual, or financial outcomes

  • All content is provided “as is” for educational and personal development purposes

  • You are responsible for your own decisions, actions, and results

  • Coaching is not therapy, medical treatment, legal counsel, or financial advising

8. Limitation of Liability

To the fullest extent permitted by law:

The Divine Return is not liable for:

  • Any damages arising from your use of the website or services

  • Any decisions you make based on our content

  • Any indirect, incidental, special, or consequential damages

Your sole and exclusive remedy is to discontinue use of the website and services.

9. Governing Law

These Terms are governed by the laws of the State of Alabama, without regard to its conflict-of-law principles.

10. Modifications

We may update or modify these Terms at any time.
Continued use of the site or services after changes are posted constitutes your acceptance of the updated Terms.

11. Contact Information

If you need support or have questions about these Terms, contact:

The Divine Return Support Team
Email: misty@queenoffutures.biz