THE 5 FACETS OF WEALTH — TERMS OF USE, DISCLAIMERS & REFUND POLICY

Effective Date: May 18, 2026

Welcome to the website of Deeper Calling Ministries, home of The 5 Facets of Wealth ("Site"). By accessing or using this Site, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.

1. Purpose of This Site

Deeper Calling Ministries exists to provide spiritual encouragement, biblical teaching, discipleship resources, and practical formation tools, including The 5 Facets of Wealth Assessment and related materials.

2. Intellectual Property Rights

The 5 Facets of Wealth™, the assessment, frameworks, written content, logos, graphics, videos, downloads, and other ministry resources available on this Site are the proprietary intellectual property of Deeper Calling Ministries and are protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from this content without our prior written permission.

3. Assessment Disclaimer

The 5 Facets of Wealth Assessment is intended solely for personal reflection, discipleship, educational development, and spiritual formation. It is not a scientifically validated diagnostic instrument, and results should not be relied upon as a substitute for professional evaluation of any kind.

4. No Professional Advice

Nothing on this Site constitutes financial, legal, medical, psychological, therapeutic, investment, or counseling advice. Content is provided for educational and spiritual purposes only. You should consult a qualified professional before making financial, legal, medical, or other significant decisions.

5. User Conduct

By using this Site, you agree not to:

Misuse the Site or interfere with its normal functioning
Attempt to gain unauthorized access to the Site, its systems, or related accounts
Distribute viruses, malware, or other malicious code
Violate any applicable local, state, national, or international law

We reserve the right to suspend or terminate access to the Site for anyone who violates these Terms.

6. Communications Consent

By providing your contact information, you consent to receive communications from us via email, phone, and SMS/text message related to your account, assessment results, purchases, and ministry offerings. Message frequency may vary. Message and data rates may apply.

7. A2P 10DLC / SMS Disclosure

By providing your phone number, you agree to receive recurring automated and non-automated text messages from Deeper Calling Ministries related to The 5 Facets of Wealth. Consent is not a condition of purchase. Reply STOP to opt out at any time and HELP for assistance. Message and data rates may apply.

8. Third-Party Services

We may use third-party service providers to operate the Site and deliver our offerings, including payment processors, analytics providers, webinar/hosting platforms, email marketing services, and social media integrations. We are not responsible for the practices or content of these third-party services, and your use of them may be subject to their own separate terms and privacy policies.

9. Digital Products & Refund Policy

Due to the digital nature of downloadable resources, assessments, ebooks, courses, and formation materials, all sales are final and non-refundable once access has been granted or content has been delivered, except where otherwise stated at the time of purchase or as required by applicable law. If you believe you were charged in error, contact us within 7 days of purchase at the email address below.

10. Website Disclaimer

Information on this Site is provided for educational, spiritual, and informational purposes only. We make no warranties, express or implied, regarding the completeness, accuracy, reliability, or availability of the Site or its content. Your use of the Site is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, Deeper Calling Ministries and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, its content, or any products or services offered through it.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict-of-law provisions, unless otherwise required by applicable law.

13. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised Effective Date. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

14. Copyright & Intellectual Property Notice

15. Contact Information

Questions about these Terms may be directed to:

Deeper Calling Ministries The 5 Facets of Wealth 4500 Forbes Blvd, Suite 200 Lanham, MD 20706 Email: info@the5facets.com

This document is provided as a general terms-of-use template and does not constitute legal advice. We recommend having it reviewed by an attorney familiar with applicable consumer protection, e-commerce, and telecommunications laws (e.g., TCPA, A2P 10DLC requirements) before publishing.