TERMS OF USE & PARTICIPANT AGREEMENT

1. COMPANY INFORMATION & LEGAL SCOPE

Releasees Defined For purposes of this Agreement, "Releasees" refers to Ritafine Inc, its affiliates, subsidiaries, owners, directors, officers, employees, contractors, agents, coaches, volunteers, representatives, successors, and assigns.

Ritafine Inc is a California corporation organized under the laws of the State of California, with its principal place of business registered in San Diego, California, USA.

Ritafine Inc serves clients throughout the United States and internationally. Regardless of your physical location, all services are deemed to be offered and delivered from California.

These Terms apply to all offerings, including but not limited to:

* www.ritapira.com

* Ritafine Reality Academy

* Coaching containers, mentorships, workshops, immersions

* Retreats, live events, digital courses, community spaces

* All related content, communications, and materials (collectively, the “Programs”)

2. ELIGIBILITY & CAPACITY

You affirm that you are at least 18 years of age and have the legal capacity to enter into this Agreement. Participation is voluntary and undertaken at your own discretion.

3. NATURE OF SERVICES

All Programs are educational, informational, and experiential in nature.

Ritafine Inc does not provide medical, mental health, legal, financial, or therapeutic services. Participation does not create a doctor-patient, therapist-client, fiduciary, or employment relationship.

You understand that coaching, embodiment work, energetic practices, emotional exploration, and group processes may involve intense personal insight or emotional release. You voluntarily choose to participate and accept full responsibility for your experience.

4. NO GUARANTEES / NO RELIANCE

Ritafine Inc makes no guarantees regarding outcomes, results, income, health, weight loss, emotional healing, business success, or personal transformation.

Any statements, testimonials, or examples shared are illustrative only and do not constitute promises.

You acknowledge that you are not relying on any representations outside of what is expressly stated in this Agreement.

Additional Payment Enforcement Terms

* Attendance, participation, partial participation, or early departure from any Program or retreat does not waive or reduce your financial obligation.

* All participants must maintain a valid payment method on file for the duration of any payment plan.

* Payment plans are a courtesy, not a right, and may be revoked at Ritafine Inc.’s sole discretion if a payment fails or a participant becomes delinquent.

* Missed, declined, or failed payments constitute default and may result in:

* Immediate suspension or termination of access without notice

* Acceleration of the remaining balance, making it immediately due

* Escalation to collections or legal remedies

* Dissatisfaction, disagreement, or subjective claims of non-fulfillment do not constitute non-delivery of services and do not relieve payment obligations.

5. PROGRAM STRUCTURE, DELIVERY & MODIFICATIONS

PROGRAM STRUCTURE, DELIVERY & MODIFICATIONS

Program descriptions, pricing, schedules, and deliverables are provided on the applicable sales or registration page and are incorporated by reference.

Ritafine Inc reserves the right to:

* Modify Program content, structure, facilitators, or delivery method

* Reschedule sessions or events

* Deliver Programs via third-party platforms

Such changes do not entitle you to refunds.

6. PAYMENT TERMS

You agree to pay all fees disclosed at checkout, either in full or pursuant to an approved payment plan. All fees are stated in U.S. Dollars unless otherwise specified.

By submitting payment information, you hereby irrevocably authorize Ritafine Inc to charge your selected payment method for all amounts due, including recurring charges under any payment plan, without further notice or authorization.

Payment plans are offered as a courtesy and do not alter the total financial obligation. You remain liable for the full Program fee regardless of attendance, participation, partial participation, early departure, dissatisfaction, or perceived outcomes.

Failure to maintain a valid payment method, missed payments, declined charges, or non-payment constitutes a material breach of this Agreement and default. Upon default, Ritafine Inc reserves the right, at its sole discretion, to:

* Suspend or terminate access immediately without refund

* Accelerate the remaining balance, rendering it immediately due and payable

* Pursue collection efforts, including third-party collections or legal action

No withholding, offset, or suspension of payment is permitted for any reason, including disputes, dissatisfaction, or allegations of non-fulfillment.

No Setoff or Withholding. You may not withhold payment, set off amounts owed, or condition payment on satisfaction with services, perceived outcomes, or disputes regarding delivery.

7. REFUND & CANCELLATION POLICY

Estate & Incapacity Clause In the event of the death or incapacity of Rita Pira, Ritafine Inc or her estate shall have up to one hundred eighty (180) days to settle, distribute, or honor any unfulfilled Program reimbursements, if any are legally required.

All sales are final, except where required by law.

* Deposits are non-refundable and non-transferable once an application is accepted.

* Participation, partial participation, or failure to complete a Program for any reason does not entitle a participant to a refund or credit.

* No exception, accommodation, payment flexibility, or informal agreement granted by Ritafine Inc. shall be construed as a waiver of this policy.

Chargebacks and payment disputes are prohibited and may result in collections and legal action. Ritafine Inc reserves the right to report chargebacks or chargeback threats to applicable databases or processors and to list the account as delinquent. Such reporting may include identifying and transaction information and may negatively impact your credit or ability to transact with payment processors in the future.

EU / EEA / UK STATUTORY RIGHTS

If you reside in the EU, EEA, or UK, you may have a statutory right of withdrawal within fourteen (14) days unless services have begun with your express consent or digital content has been accessed. Where permitted, any refund shall not exceed fifty percent (50%) of the purchase price.

8. RETREATS, EVENTS & TRAVEL ASSUMPTION OF RISK

RETREATS, EVENTS & TRAVEL ASSUMPTION OF RISK

Participation in retreats or in-person events involves inherent risks, including but not limited to travel, illness, physical activity, emotional stress, or injury.

You voluntarily assume all risks and release Ritafine Inc from liability for injury, loss, or damages arising from participation, except where prohibited by law.

You are solely responsible for travel arrangements, insurance, visas, and compliance with local laws.

9. INTELLECTUAL PROPERTY

All materials, content, recordings, frameworks, and methodologies are the exclusive intellectual property of Ritafine Inc.

You are granted a limited, non-transferable, revocable license for personal, non-commercial use only. Reproduction, distribution, resale, or derivative use is strictly prohibited.

Unauthorized use may result in injunctive relief and liquidated damages up to five (5) times the Program fee.

10. CONFIDENTIALITY & COMMUNITY STANDARDS

Group spaces are not legally privileged. You agree to maintain confidentiality regarding other participants’ shared information.

Harassment, solicitation, discrimination, or disruptive behavior will result in immediate removal without refund.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Ritafine Inc and the Releasees from any and all claims, losses, damages, liabilities, costs, and expenses, including attorneys’ fees, arising from your participation, conduct, submissions, or violation of these Terms.

You agree to indemnify and hold harmless Ritafine Inc from any claims, losses, damages, liabilities, or expenses arising from your participation, conduct, or violation of these Terms.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Ritafine Inc’s total liability shall not exceed the total amount paid by you for the applicable Program.

Ritafine Inc shall not be liable for indirect, incidental, consequential, or punitive damages.

13. TERMINATION

Ritafine Inc reserves the right to suspend or terminate your access to any Program immediately, with or without notice, for violation of these Terms, non-payment, or conduct deemed disruptive, harmful, or inappropriate.

Termination of access does not relieve you of any outstanding payment obligations. All unpaid balances shall remain due and payable and may be pursued through collections or legal action. No refunds shall be issued upon termination.

14. GOVERNING LAW & JURISDICTION

Attorneys’ Fees & Limitation Period The prevailing party in any dispute arising out of or relating to this Agreement shall be entitled to recover reasonable attorneys’ fees and costs. No action may be brought more than one (1) year after the cause of action accrues.

GOVERNING LAW & JURISDICTION

This Agreement is governed by the laws of the State of California, without regard to conflict of laws principles.

You agree that any dispute shall be resolved exclusively in the state or federal courts located nearest to San Diego, California, and you consent to personal jurisdiction and venue.

15. INTERNATIONAL USERS

You access these Programs at your own initiative and are responsible for compliance with your local laws. Services are deemed provided from California.

16. FORCE MAJEURE

Ritafine Inc is not liable for failure or delay due to events beyond reasonable control, including acts of God, illness, government action, or technical failures.

Termination for Non-Payment

Failure to remain current on payment obligations constitutes grounds for immediate termination of access without refund. Termination of access does not relieve the participant of their obligation to pay any outstanding balance, which shall remain due and payable.

17. SEVERABILITY & ENTIRE AGREEMENT

SEVERABILITY & ENTIRE AGREEMENT

If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall remain in full force.

This Agreement constitutes the entire agreement between you and Ritafine Inc and supersedes all prior agreements or understandings.

18. MODIFICATIONS

Ritafine Inc may update these Terms at any time. Continued participation constitutes acceptance of the revised Terms.

19. CONTACT INFORMATION

RITAFINE INC

Email: [email protected]

BY PURCHASING OR PARTICIPATING, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS IN FULL.