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    Terms of Service

    Last updated: November 11, 2026

    These terms are the agreement between you and Holistic4Life Association, LLC, doing business as The Holistic American, for using The Holistic American Hub. By creating an account or using the Hub, you agree to them. Members also accept the Member Terms at sign-up, and providers also accept the Provider Agreement; where those say more about a topic, they apply too.

    1. Your account

    • You must be 18 or older (the age of majority in Pennsylvania).
    • Give accurate information and keep your password private. You're responsible for what happens under your account.
    • One person per account. Don't use someone else's account or create accounts to get around a ban or a limit.

    2. Plans

    • Members can use the Hub free or choose a paid membership plan. Providers can list free or choose the Pro or Featured Plan. What each plan includes is shown on the plans page at the time you sign up or change plans.
    • Paid plans renew automatically until you cancel. A downgrade or cancellation takes effect at the end of the period you've paid for.
    • When a paid provider plan ends, published Insights and Videos stay up. Paid-only features are hidden, not deleted, and come back if you upgrade again.
    • Refunds. Except where the law requires otherwise: subscriptions are not refunded. You can cancel any time in Plans & Billing; your plan stays active until the end of the period you've paid for, and you won't be charged again. Annual plans are not refunded once the year starts; we email you 7 days before each annual renewal. A downgrade takes effect at the end of the paid period, with no partial refund. Point purchases are final. Points have no cash value and are not refunded when an account closes. If your account is removed or banned for breaking these terms, the Member Terms or the Provider Agreement, no refund or credit is given, including for any unused part of an annual plan, and your points are forfeited. If we charge you in error (a duplicate or wrong charge), we refund it. When a member becomes a provider, the unused part of a paid membership becomes account credit toward provider charges. We may, at our sole discretion, issue a refund or credit in other cases; doing so once does not oblige us to do it again.
    • Payment disputes and chargebacks. If you have a billing concern, contact us first through the Contact Us form on our website; we correct billing errors promptly. If you, or anyone using your payment method, files a chargeback, payment dispute or reversal with a bank or card issuer for any charge from us, your account will be immediately and permanently terminated, regardless of the outcome of the dispute. On termination you lose all access, all memberships and plans, and all points and rewards, with no refund or credit, and you are permanently barred from creating a new account or using any website, community or service operated by Holistic4Life Association, LLC. Content you posted remains subject to the license in section 4.

    3. Points and Rewards

    • You earn points for activities the Hub describes (for example, signing in daily, sharing and inviting), and paid plans may add points every month.
    • Points have no cash value, can't be sold, transferred or exchanged for cash, and can only be redeemed for rewards on the Hub.
    • We may change how points are earned and what rewards cost, and we may remove points earned through fraud, fake accounts or abuse.

    4. What you post

    • You keep ownership of what you post. You give us permission to show, store, format and share it on the Hub and in our emails and social posts promoting the Hub, so it can do its job for you. Providers' content rights are covered in more detail in the Provider Agreement.
    • Everything you submit for publication is reviewed once before it goes live. We may ask for changes or decline something that breaks the Posting Guidelines.
    • Don't post anything you don't have the right to share.
    • Our license lasts. The permission you give us in this section is worldwide, royalty-free, perpetual and irrevocable. It continues after your account ends for any reason, including if you close your account, downgrade, are removed by an admin or are banned.
    • Your responsibility. You are solely and fully legally responsible for your actions on the Hub and for everything you post, including content and comments. You agree to defend, indemnify and hold harmless Holistic4Life Association, LLC, doing business as The Holistic American, and its owners, staff and contractors from any claims, losses, damages and costs (including reasonable attorney fees) arising from your content, your use of the Hub or your breach of these terms.

    5. How we treat each other

    Any holistic health topic is welcome. We hold back only what the Posting Guidelines list: medical claims, selling outside Recommendations, Special Offers and Services, spam, profanity and anything illegal. Also:

    • No harassment or threats.
    • Providers: soliciting your services in the comments on another provider's Insight or Video, or in the Community, is strictly against our rules and may end your listing immediately, without a refund.
    • Anyone can report a comment or reply. Our team reviews reports and may remove content, send a warning, or suspend or ban an account.

    6. Health information

    Content on the Hub, including what providers publish, is for education and is not medical advice. Talk with a qualified professional before making health decisions, and never stop a prescribed medication without your doctor. Providers are independent; they are not our employees, and a plan or badge on the Hub is paid visibility, not a check of anyone's credentials. Your choice of provider and what you do with their advice is up to you.

    We do not verify credentials. The Holistic American does not check or verify any provider's licenses, certifications, training, qualifications or claims. By using the Hub, you agree that you are responsible for verifying a provider's credentials and statements before relying on them or working with them.

    Use of AI. We use artificial intelligence (AI) tools on the Hub, for example to help screen content submitted for publication and to help providers draft their writing. Providers are responsible for everything they publish, whether or not AI helped write it. AI-assisted screening supports our team; an admin makes the final decision on what is published.

    7. Messages and links

    Messages you send providers go to them directly. Links to other websites (including providers' booking links and Recommendations) are not ours; we aren't responsible for those sites or purchases you make there.

    8. Ending your account

    You can close your account at any time. We may suspend or close an account that breaks these terms, the Member Terms or the Provider Agreement. Banned accounts may be blocked from signing up again.

    9. Our responsibility

    We work hard to keep the Hub running and accurate, but it is provided "as is" and "as available". To the extent Pennsylvania law and other applicable law allow, we are not liable for indirect, incidental or consequential losses, and our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or $100. Nothing in these terms limits rights you have under the Pennsylvania Unfair Trade Practices and Consumer Protection Law or other laws that can't be waived.

    10. Changes to these terms

    If we change these terms in an important way, we'll tell you on the Hub or by email before the change takes effect. If you keep using the Hub after that, the new terms apply.

    11. Law and disputes

    These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law rules. Before starting any claim, you agree to contact us and try to resolve it informally for at least 30 days. Any dispute that isn't resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, held in Montgomery County, Pennsylvania (or by video). You and we each waive the right to a jury trial and the right to bring or join any class, collective or representative action; claims may only be brought individually. Either side may instead bring an individual claim in small claims court (in Pennsylvania, a Magisterial District Court in Montgomery County) if it qualifies. If this arbitration agreement is found unenforceable, disputes will be heard only in the Court of Common Pleas of Montgomery County, Pennsylvania, or the United States District Court for the Eastern District of Pennsylvania, and you and we agree to the jurisdiction of those courts.

    12. Contact

    Holistic4Life Association, LLC, a Pennsylvania limited liability company doing business as The Holistic American, PO Box 432, Hatfield, Montgomery County, Pennsylvania 19440. Contact us through the Contact Us form on our website.