MEMBER TERMS OF SERVICE

Effective Date: May 2026

Welcome to the Mind Body Money Collective (“MBMC”, “our,” “us”, “we”). These Terms of Service (“Terms”) govern your member access to and use of our website www.thembmcollective.com (the “Website”)  and all related programs, memberships, platforms, databases, and certification marks (collectively, the “Services”). This website is owned and operated by the K2J Ventures d/b/a Mind Body Money Collective.

1. Acceptance

By using our Services, you agree to these Terms, which form a binding agreement between you and MBMC. You must be at least 18 years old (or the age of legal majority in your jurisdiction) to use our Services. If you are using our Services on behalf of a business or organization, you represent and warrant that you have the authority to bind that entity. This web site (the “Site”) is owned and operated by the eWomenNetwork, Inc. (“eWN”). If you do not agree to these Terms and conditions, you should discontinue your use of the Service. 

2. Updates to these Terms

We may revise these Terms at any time. Updated versions will be posted on this page, and the “Effective Date” will be updated accordingly. Your continued use of the Services after any changes constitutes acceptance of the revised Terms.

3. Privacy

The Privacy Policy is incorporated by reference into these Terms of Service, and your agreement to be bound by these Terms of Service means the Privacy Policy also binds you.

4. Use of Services

Some areas of the Services require registration or membership. By becoming a member, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted under your account. MBMC may verify your identity or eligibility at any time and reserves the right to suspend or terminate access if information provided is false, incomplete, misleading, or used/accessed inappropriately. 

5. Copyright

All content available through the Services—including text, graphics, logos, videos, databases, and code—is the property of MBMC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, distribute, publish, transmit, or create derivative works from any portion of the Services without prior written permission from MBMC.

6. Limited License; Permitted Use

MBMC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for lawful purposes consistent with these Terms. All rights not expressly granted are reserved by MBMC.

7. Restrictions and Prohibitions on Use

You agree not to:

• Copy, distribute, sell, license, or modify any content from the Services;

• Interfere with, damage, disrupt, or impair the operation of the Services;

• Attempt to gain unauthorized access to any systems, accounts, or data; or

• Use the Services for unlawful, deceptive, or fraudulent purposes.

8. Accuracy and Availability 

While we strive for accuracy, we do not guarantee that all content on the Services is complete, current, or error-free. MBMC reserves the right to update, modify, correct, suspend, or remove content or features at any time without notice.

9. Third-Party Content

The Services may include links or referrals/references to third-party websites or services (“Affiliated Parties”). MBMC does not control, endorse, or assume responsibility for third-party content, policies, or practices. Your use of the services or websites of Affiliated Parties is at your own risk.

10. Unlawful Activity

We reserve the right to investigate complaints or reported violations of these Terms of Service and to take any action we deem appropriate, including but not limited to termination of membership without refund or rebate of membership dues and/or reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information.

11. Member Code of Conduct

By becoming a member of MBMC and participating in meetings, events, and programs– I affirm that I have read, understood, and agree to the Code of Conduct outlined herein. Members who violate this code may face consequences up to and including termination of membership without refund. 

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We are Black women who build, lead, and thrive — together. This Code of Conduct is our shared promise: to show up with integrity, lift each other with intention, and protect the sacred space we create. Our community is rooted in the whole woman — her mind, her body, and her financial stability.

Our Three Pillars

Mental Wellness — We honor emotional safety, authentic expression, and psychological well-being in every interaction.

Physical Health — We respect the body, advocate for healthy practices, and encourage  physical balance and restoration.

Financial Power — We build wealth without shame, share knowledge freely, and support each other's financial growth.

Section 1 — Community Values & Culture

MBMC is built on a foundation of “sisterhood, trust, and elevating excellence”. Every member is expected to uphold and actively contribute to a culture that centers the dignity, ambition, and humanity of Black women:

Affirm, don't diminish. Celebrate the wins — big and small — of your fellow members. Compete in the marketplace, not in this community.

Hold space without judgment. What is shared in this space stays in this space. Confidentiality is a non-negotiable pillar of our trust.

Honor intersectionality. Recognize that our community encompasses diverse backgrounds, business stages, beliefs, abilities, and lived experiences. No single story speaks for all of us.

Show up as your full self. Authenticity is welcome. Performing for approval is not required.

Section 2 — Mental & Emotional Well-Being

We acknowledge that entrepreneurship can be mentally taxing, and that Black women often carry disproportionate emotional burdens. This community actively works to alleviate and dismantle that pressure.

Respect emotional bandwidth. Never pressure a member to share more than she is ready to. Active listening is a gift — offer it freely.

Avoid unsolicited advice or "fixing."  Ask before advising. Sometimes a woman needs to be heard, not coached.

Discourage “trauma-bonding as a default”.  While vulnerability is honored, meetings are not spaces for sustained negative spiraling. We process and we progress.

Rest Is Sacred. We respect each member's need for rest and recovery. No member should ever be shamed for prioritizing her mental health over productivity.

Section 3 — Financial Integrity & Wealth Culture

We are women building financial legacies. Our community is one of the few spaces where Black women can speak openly about money — without shame, comparison, or exploitation.

No predatory solicitation. Members may not use community access to pressure other members into purchases, investments, or financial arrangements. All business interactions must be voluntary and transparent.

Transparency in collaborations. If a business partnership arises from community connections, all terms should be clearly communicated. Members are encouraged to seek independent legal and financial counsel before formalizing agreements.

Wealth without judgment. Members at every financial stage are equally valued– no matter the revenue, assets, or business size.

Generosity of knowledge. Members are encouraged to share high level information, resources, referrals, and financial wisdom freely (without eroding your business offerings as an advisor or consultant). Gatekeeping information is discouraged. Sharing knowledge benefits the community and is a good way to demonstrate your expertise for future/potential clients within the group. 

Disclosure of conflicts of interest. If a member has a financial stake in advice she is offering, she must disclose it. Undisclosed conflicts are a violation of community trust.

Anti-scarcity mindset. We reject the belief that another woman's success diminishes our own. Abundance thinking is a community standard.

No Pyramid, MLM, or Exploitative Schemes. Promoting multi-level marketing structures, cryptocurrency schemes, or any investment opportunity that depends on member recruitment is strictly prohibited and grounds for immediate dismissal.

Section 4 — Meetings & Event Conduct

Our meetings and events are purposeful, productive, and protective. Whether in-person or virtual, the following standards apply to all gatherings.

Come and go as you please. We respect your time so we aim to start our meetings and events on time. We encourage punctuality but understand when members need to quietly join late or leave early. Punctuality as respect.** Arrive on time. Chronic tardiness or no-shows without notice signal disregard for your fellow members' time and should be communicated to the organizing team.

Full presence. During meetings, minimize distractions. On virtual calls, cameras on (when able) signal connection, engagement and accountability.

Speaking and listening in equal measure. Every voice deserves floor time. Members who tend to dominate conversations are asked to practice intentional restraint. Quieter voices are actively invited in.

Photography and recording. No recording (audio, video, or otherwise) of meetings or events without explicit permission from organizers and participants. No photos of other members may be shared publicly without their individual consent.

Dress and presentation. Unless a specific dress code is communicated for an event, members may present themselves however they feel authentic and comfortable. No policing of style or appearance.

Section 5 — Zero-Tolerance Behaviors

The following behaviors are incompatible with membership and will result in immediate review, suspension, or removal:

Discrimination, mockery, or derogatory language based on skin tone, age, sexuality, gender identity, religion, body size, disability, socioeconomic background, or national origin

Sexual harassment or unwanted physical contact of any kind

Verbal abuse, intimidation, threats, or bullying — in person or digitally

Sharing confidential member information outside the community

Misrepresenting one's business credentials, qualifications, or affiliations to gain trust or business

Upholding this Code of Conduct is a shared responsibility. All members — including leadership — are equally bound by these standards.

12. Nontransferable

Your right to use the Services is not transferable or assignable. Any password or right given to you to obtain information is not transferable or assignable to any other person or entity.

13. Disclaimer

The information and Content from or through the Services are provided “as-is,” “as available,” with “all faults”, and warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability and fitness for a particular purpose). The information and services may contain bugs, omissions, errors, problems or other limitations. We and our Affiliated Parties have no liability whatsoever for your use of any information or services, except as provided in Section 15. No advice or information, whether oral or written, obtained by you from us through the Services or otherwise shall create any warranty, representation or guarantee not expressly stated in these Terms of Service.

14. Indemnification

You agree to indemnify, defend, and hold harmless K2J Ventures, MBMC, its affiliates, officers, directors, employees, and contractors from any claims, damages, losses, liabilities, and expenses arising from your use of the Services or violation of these Terms.

15. Limitation of Liability

To the fullest extent permitted by law, MBMC, K2J Ventures and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services. Our total liability for any claim arising from or related to the Services will not exceed $100.

16. Use of Information

We reserve the right, and you authorize us, to use and share, in any manner consistent with our Privacy Policy, all information regarding your use of the Services.  All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, a “Feedback”) will forever be our property. We will not be required to treat any Feedback as confidential or proprietary and will not be liable for the use of any ideas or feedback provided by you (including, without limitation, product, service or advertising ideas). We will not incur any liability as a result of any similarities that may appear in our future products, services, or operations. Without limitation, we will have exclusive ownership of all present and future existing rights to the Feedback of every kind and nature. We will be entitled to use the Feedback for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Feedback. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

17. Copyright Complaints

1. We respect the intellectual property of others, and we ask you to do the same.  If you believe that your work has been copied in a way that constitutes copyright infringement, please provide us with the following information:

a. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

b. A description of the copyright work that you claim has been infringed;

c. A description of where the infringing material is located on the Services;

d. Your address, telephone number, and email address;

e. A statement by you that you have a good faith belief that the alleged infringing use is not authorized by the copyright owner, its agent, or the law; and

f. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

2. You can reach us directly by emailing us at [email protected] with the subject “Copyright Query.” Please note that we may request additional information before removing any allegedly infringing material.

18. Severable and Survival

If any provision of these Terms of Service is found invalid or unenforceable pursuant to judicial decision, the remainder of these Terms of Service will remain valid and enforceable according to its terms. All terms that logically ought to survive the termination of these Terms of Service shall survive.

19. Legal Compliance

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Services and the Content provided therein.

20. Governing Law and Jurisdiction

These Terms of Service shall be governed by the laws of the State of Virginia without regard to conflicts or choice of law rules or principles. Any action to enforce these Terms of Service shall be filed in the State or Federal Courts located in Alexandria, Virginia.

21. Force Majeure

We will not be liable for any delay or failure to perform any obligation herein if the delay or failure is due to unforeseen events that are beyond our reasonable control, such as strikes, blockade, war, terrorism, riots, natural disasters, epidemic, or governmental action, in so far as such an event prevents or delays us in fulfilling its obligations hereunder.

22. Contact Information

If you have any questions or concerns about these Terms of Service, please email us at [email protected] 

23. Membership Terms & Conditions

All Mind Body Money Collective Memberships are offered as Monthly or Annual plans (“membership period”).

Monthly memberships reflect a month to month commitment based on a per month price and are billed monthly. By enrolling, members authorize automatic monthly renewal charges at the membership rate published at the time of automatic renewal unless the membership is canceled within the notice period outlined below. A minimum commitment of three months is required of all members upon enrollment or re-enrollment. This ensures members have ample time to engage in the community and assess its value before opting out of renewal. 

Annual memberships represent a twelve (12)-month commitment based on an annual (reduced) price. By enrolling, members authorize automatic annual renewal charges at the membership rate published at the time of automatic renewal unless the membership is canceled within the notice period outlined below.

Unless otherwise denoted by your membership plan, pricing for memberships are subject to change in between renewal periods. In the event of an increase, you will be notified prior to your scheduled renewal. 

Opting Out of Renewal

To cancel your membership before renewal, you must submit your request in writing to  [email protected] at least five (5) business days prior to your scheduled automatic renewal date. Memberships not cancelled within this timeframe will automatically renew under the same plan and payment terms. Memberships canceled prior to the end of any membership period will not be entitled to any credit or pro rata rebate of any monies paid as of the date of cancellation. Any memberships that are cancelled and then later renewed will be subject to the applicable membership pricing at the time of the renewal. 

 24.  Membership Refunds & Cancellations

All memberships are final and non-refundable. No refunds, credits, or partial reimbursements will be issued for missed sessions, non-participation, or early withdrawal.

 25.  Chargebacks and Payment Disputes

By enrolling in the membership community, you agree not to initiate a chargeback or payment dispute for any fees. In the event of a chargeback or payment dispute, we reserve the right to immediately suspend or revoke access to all programs and services.

We also reserve the right to pursue recovery of any outstanding balances and to provide this agreement, along with proof of access and participation, to the payment provider as evidence.