Effective Date: November 21, 2025

These Terms of Service (“Terms”) outline the rules and regulations for the use of the Ministry Institute website, located at ministryinstitute.org (the “Website”).

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not continue to use the Website.

1. Definitions

The following terminology applies to these Terms, our Privacy Policy, any Disclaimer, and all other agreements between you and us:

• “Client,” “You,” “Your” – means the person accessing or using this Website and accepting the Company’s Terms.

• “The Company,” “Ministry Institute,” “We,” “Our,” “Us” – means Ministry Institute.

• “Party,” “Parties” – means both the Client and the Company.

All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of the provision of our stated services, in accordance with applicable law.

2. Use of the Website

You agree to use the Website only for lawful purposes and in a way that does not infringe upon the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Website.

You must not:

• Use the Website in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website.

• Use the Website in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.

We may, at any time and in our sole discretion, suspend or terminate your access to all or part of the Website for any lawful reason.

3. Cookies

We use cookies and similar tracking technologies to operate and improve the Website.

By accessing ministryinstitute.org, you agree to the use of cookies in accordance with our Privacy Policy.

Cookies may be used to:

• Enable core Website functionality and secure login.

• Remember your preferences and settings.

• Analyze traffic and usage patterns.

• Support advertising, analytics, and remarketing (see Section 10).

You can adjust your browser settings to refuse or delete cookies, but some parts of the Website may not function properly if you do so.

4. Intellectual Property and License

Unless otherwise stated, Ministry Institute and/or its licensors own all intellectual property rights in and to the Website and its content.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for your own personal, non-commercial use, subject to these Terms.

You must not:

• Republish material from ministryinstitute.org without prior written permission.

• Sell, rent, or sub-license material from ministryinstitute.org.

• Reproduce, duplicate, or copy material from ministryinstitute.org beyond what is allowed by applicable copyright law.

• Redistribute content from ministryinstitute.org, except where content is expressly made available for redistribution.

5. User Content and Comments

Parts of this Website may allow users to post or submit content such as comments, reviews, messages, or other materials (“Comments”).

We do not pre-screen, filter, edit, publish, or review Comments prior to their appearance on the Website. Comments do not necessarily reflect the views or opinions of Ministry Institute, its agents, or affiliates. Comments reflect the views and opinions of the person who posts them.

To the extent permitted by applicable law, we are not responsible or liable for any Comments or for any loss, liability, damages, or expenses caused as a result of any use of, posting of, or appearance of the Comments on this Website.

We reserve the right, but not the obligation, to monitor all Comments and to remove any Comments that we consider, in our sole discretion, to be inappropriate, offensive, or in breach of these Terms.

By posting Comments on the Website, you represent and warrant that:

• You are entitled to post the Comments and have all necessary licenses, rights, and consents to do so.

• The Comments do not infringe any intellectual property rights, including copyright, patent, or trademark, of any third party.

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material and do not invade the privacy of any person.

• The Comments will not be used to solicit or promote business or custom or to present commercial activities or unlawful activity.

You grant Ministry Institute a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, and distribute your Comments in any and all media, and to allow others to do the same.

6. Hyperlinking to Our Website

The following organizations may link to our Website without prior written approval:

• Government agencies

• Search engines

• News organizations

• Online directory distributors, in the same manner as they hyperlink to other listed businesses

• System-wide accredited businesses, except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups, which may not hyperlink to our Website

These above listed organizations may link to our home page, to publications, or to other Website information so long as the link:

• Is not deceptive in any way.

• Does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services.

• Fits within the context of the linking party’s site.

We may consider and approve other link requests from organizations such as:

• Commonly known consumer and/or business information sources

• Dot-com community sites

• Associations or other groups representing charities

• Online directory distributors

• Internet portals

• Accounting, law, and consulting firms

• Educational institutions and trade associations

We will approve link requests from these organizations if we determine that:

• The link would not make us look unfavorably to ourselves or our accredited businesses.

• The organization does not have any negative records with us.

• The benefit to us from the visibility of the hyperlink outweighs its absence elsewhere.

• The link is in the context of general resource information.

If you are one of the organizations listed above and are interested in linking to our Website, please contact us with your name, organization name, contact information, the URL of your site, a list of URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator (URL) being linked to; or

• By use of any other description of our Website that makes sense within the context and format of content on the linking party’s site.

No use of the Ministry Institute logo or other artwork will be allowed for linking absent a separate trademark license agreement.

7. iFrames

Without prior written approval and permission, you may not create frames around our web pages that alter in any way the visual presentation or appearance of our Website.

8. Third-Party Content and Links

The Website may contain links to third-party websites or resources that are not owned or controlled by us.

We do not endorse and are not responsible or liable for:

• The content, products, or services available on or through such sites.

• Any damages or losses arising from your use of or reliance on any third-party content.

Your use of third-party websites and resources is at your own risk and subject to the terms and policies of those third parties.

9. Your Privacy

Your use of the Website is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Website, you consent to our collection and use of information as described there. The Privacy Policy is posted on our Website.

10. Advertising, Analytics, and Remarketing

We use third-party services to manage and measure our advertising and to understand how visitors use our Website. These may include, but are not limited to:

• Google Ads, Google Analytics, and other Google marketing or analytics tools

• Meta (Facebook/Instagram) advertising tools, including the Meta Pixel and custom audiences

These services may use cookies, pixels, and similar technologies to:

• Measure the performance of our ads and Website

• Provide analytics about Website traffic and usage

• Show you ads that may be more relevant to your interests, including interest-based and remarketing ads

Information collected can include IP addresses, device identifiers, browser type, referring pages, visited pages, and actions taken on the Website. This information is typically used in aggregated or pseudonymous form.

Your choices may include:

• Managing cookies through your browser settings

• Using ad preference tools offered by Google, Meta, or other providers (when available)

• Adjusting device-level settings (for example, “Limit Ad Tracking” on mobile devices)

Nothing in our advertising or marketing materials is a guarantee of specific results, income, or outcomes. Any testimonials or examples are illustrative only and do not promise or imply that you will achieve the same results.

11. Affiliate Program Terms

Ministry Institute operates an affiliate program (the “Affiliate Program”) to allow approved partners (“Affiliates”) to promote our products and services and earn commissions on qualifying purchases.

Participation in the Affiliate Program is optional. If you participate, this section applies in addition to these Terms and any separate Affiliate Program terms we may provide.

11.1 Platform and Tracking

• Our Affiliate Program is managed through systeme.io, which provides tracking links, cookies, and reporting.

• When a visitor clicks your affiliate link, systeme.io may use cookies and its own tracking mechanisms to associate that contact with your affiliate profile.

• Commission credit is based on systeme.io’s tracking and records. If a user blocks cookies, clears cookies, uses a different device, or otherwise prevents tracking, the sale may not be attributed to you.

We are not responsible for tracking failures or discrepancies outside our reasonable control or arising from systeme.io’s platform or the end user’s browser/device settings.

11.2 Enrollment and Eligibility

• You must create an affiliate account and agree to any additional terms presented in the affiliate sign-up process or on our Affiliates page.

• We reserve the right to approve or reject any affiliate application for any lawful reason.

• We may suspend or terminate your affiliate status at any time if we believe you have violated these Terms, any Affiliate Program terms, or any applicable laws or advertising policies.

11.3 Commissions and Payouts

Details such as commission rates, payout thresholds, payout schedules, and eligible products are communicated through:

• Your systeme.io affiliate dashboard; and/or

• Our Affiliate Program information page or written materials.

Unless otherwise stated:

• Commissions are calculated on the net value of qualifying purchases (excluding taxes, fees, discounts, refunds, and chargebacks).

• Commissions for subscription products may be recurring for as long as the referred customer’s subscription remains active and in good standing, subject to our then-current Affiliate Program rules.

• No commissions are paid on orders that are refunded, charged back, fraudulent, or otherwise deemed ineligible under the Affiliate Program terms.

We reserve the right to withhold or reverse commissions that we believe were generated in violation of these Terms or through fraudulent, misleading, or non-compliant methods.

11.4 Prohibited Affiliate Conduct

As an Affiliate, you agree that you will not:

• Use spam, unsolicited emails, or deceptive practices to promote our products.

• Make false, misleading, or unsubstantiated claims about Ministry Institute, our programs, or potential results.

• Violate any advertising platform’s policies, including Google’s and Meta’s rules regarding misleading content, prohibited targeting, and income claims.

• Bid on our branded terms or domain names in paid search without our written permission.

• Impersonate Ministry Institute, our staff, or represent yourself as our employee or official agent.

• Promote our products on websites or media containing illegal, hateful, or adult content.

We may interpret and enforce these rules in our reasonable discretion.

11.5 Relationship of the Parties

Affiliates are independent contractors. Nothing in these Terms or the Affiliate Program creates a partnership, joint venture, agency, franchise, or employment relationship between you and Ministry Institute.

11.6 Changes to the Affiliate Program

We may modify or discontinue the Affiliate Program, including commission rates, payout schedules, and eligibility requirements, at any time.

Where reasonably possible, we will notify Affiliates by updating the affiliate dashboard or sending a notice by email. Your continued participation after changes are posted constitutes your acceptance of those changes.

12. Refund Policy for Digital Products

We value our customers and are committed to providing high-quality digital products. Due to the nature of digital goods, refunds are available only under the conditions below.

12.1 Technical Issues

You may be eligible for a refund if:

• The digital product you purchased is defective or inaccessible due to technical issues beyond your control; and

• You provide reasonable documentation of the issue (such as error messages or screenshots); and

• You confirm that you have followed all provided troubleshooting steps (for example, those listed on our support page and any additional steps given by our support team).

Refund requests for technical issues must be submitted within 14 days of purchase.

12.2 Unauthorized Transactions

If you believe your payment method was used without your authorization:

• Contact us and your payment provider immediately.

• We may require proof such as bank statements or correspondence with your payment provider.

• Refunds will be issued only upon verification of the claim.

12.3 Failure to Deliver

If you do not receive access to the digital product after a successful purchase, and our support team is unable to resolve the issue within a reasonable timeframe, you may request a refund.

12.4 Non-Refundable Situations (Digital Products)

Refunds are generally not provided for:

• Change of mind after purchase.

• Incompatibility with your device, browser, or software, unless the product was explicitly advertised as compatible and our product fails to meet that representation.

• Products that have already been downloaded, accessed, or substantially used, except in cases of technical issues or failure to deliver as described above.

12.5 Refund Process (Digital Products)

To request a refund:

1. Contact our support team at support@ministryinstitute.org with your order details, description of the issue, and any supporting documentation.

2. We typically process refund requests within 5–10 business days after receiving all necessary information.

3. We reserve the right to assess refund requests on a case-by-case basis and to deny requests that do not meet the conditions outlined above.

13. Refund Policy for Temporary Physical Products

From time to time, we may offer temporary physical products (for example, printed materials or merchandise associated with our events or programs).

13.1 Defective or Damaged Products

You may be eligible for a refund or replacement if:

• The product you receive is defective or damaged; and

• You notify us within 7 days of receiving the product; and

• You provide reasonable evidence of the defect or damage (e.g., photos).

13.2 Incorrect Product Received

If you receive the wrong product:

• You may request a refund or replacement if you notify us within 7 days of delivery; and

• The product must generally be returned in its original, unused condition (unless the defect or our error makes that impossible).

13.3 Product Not Delivered

If your product does not arrive within the expected shipping timeframe, you may contact us to initiate an investigation. Refund eligibility in such cases may depend on verification with the shipping carrier and the outcome of that investigation.

13.4 Non-Refundable Situations (Physical Products)

Refunds are generally not provided for:

• Products that have been used or are not in their original condition (unless they arrived defective or damaged).

• Change of mind after purchase.

• Refund requests made outside the 7-day window from receipt of the product.

13.5 Refund Process (Physical Products)

1. Contact our support team at support@ministryinstitute.org with your order number, a description of the issue, and supporting documentation (e.g., photos of damage).

2. If your request is approved, we will provide instructions for returning the product, if applicable. Returned items must typically be shipped within 7 days of receiving return instructions.

3. Refunds are usually processed within 5–10 business days of receiving the returned product or verifying the issue.

4. If the refund is due to a defect, damage, or incorrect product, we generally cover reasonable return shipping costs. For other returns, the customer is responsible for shipping costs.

14. Cancellation Policy for Digital Products and Subscriptions

We aim to provide a clear and fair cancellation framework for digital products and subscriptions.

14.1 Subscription Cancellations by Customer

You can cancel your subscription at any time:

• Through your account settings; or

• By contacting our support team at support@ministryinstitute.org.

Unless otherwise required by law:

• Cancellations take effect at the end of the current billing cycle.

• No prorated refunds are provided for the remainder of the billing period.

14.2 Trial Periods

If your subscription includes a trial period:

• You must cancel before the trial ends to avoid being charged.

• Once the trial converts to a paid subscription, the standard cancellation terms apply.

14.3 Monthly or Annual Subscriptions

• You may cancel an annual subscription at any time.

• Access typically remains active until the end of the current paid term.

• No refunds are provided for unused months unless required by applicable law or expressly stated otherwise in a specific offer.

14.4 Upgrades and Downgrades

If you upgrade or downgrade your subscription:

• The new plan may take effect at the start of the next billing cycle by default.

• If you request immediate changes, we may accommodate at our discretion, and any billing adjustments will be handled according to the specific terms communicated at the time.

14.5 One-Time Digital Purchases

One-time digital purchases (non-subscription) are generally non-cancelable once the product has been delivered (for example, downloaded or accessed), except in cases described in the Refund Policy for Digital Products.

14.6 Pre-Orders

You may cancel a pre-order at any time before the product is released. Once the product is delivered, it is treated as a standard one-time purchase.

14.7 Company-Initiated Cancellations

We may cancel your access to digital products or subscriptions if:

• You violate these Terms, any applicable policy, or any applicable law; or

• We discontinue a product or subscription service.

If we cancel due to your violation, refunds may not be provided. If we discontinue a product or service, we may offer a prorated refund or alternative remedy, as appropriate.

15. Payment Security and PCI Compliance

We prioritize the security of your payment information and are committed to handling it in accordance with industry standards.

15.1 PCI Compliance

• We use reputable third-party payment processors (such as Stripe) that are certified under the Payment Card Industry Data Security Standard (PCI DSS).

• Your payment information is processed securely by the payment processor and is not stored on our servers.

For details on how Stripe or another processor handles security and compliance, please refer to that provider’s documentation.

15.2 Secure Transactions

• Our Website and payment forms use HTTPS encryption to help protect data transmitted between your browser and our server.

• Payment processors may use tokenization or similar methods so that sensitive card data is replaced with a secure token for processing, rather than passing raw card numbers through our systems.

15.3 Data Privacy

• We only collect and retain the minimum information needed to complete your transaction and provide support (for example, name, email address, and transaction details).

• Payment card details entered into our payment forms are sent directly to the payment processor and are not visible to our staff or stored on our servers.

15.4 Customer Responsibility

To help protect your account and information:

• Use strong, unique passwords for your accounts.

• Keep your login details private.

• Notify us and your payment provider immediately if you suspect unauthorized use of your payment method or account.

If you have questions about payment security, contact us at support@ministryinstitute.org.

16. Disclaimers

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our Website and the use of this Website, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in this section is intended to:

• Limit or exclude our or your liability for death or personal injury resulting from negligence.

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation.

• Limit any of our or your liabilities in a way not permitted by applicable law.

• Exclude any of our or your liabilities that may not be excluded under applicable law.

To the extent the Website and the information and services on the Website are provided free of charge, we will not be liable for any loss or damage of any nature arising from your use of, or inability to use, the Website or its content.

17. Limitation of Liability

To the maximum extent permitted by law:

• Ministry Institute and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, consequential, incidental, special, or punitive damages, including lost profits or revenue, arising out of or related to your use of the Website, products, or services.

• Our total aggregate liability to you for any claim arising out of or relating to the Website, products, or services shall not exceed the amount you paid to us for the specific product or service at issue during the twelve (12) months prior to the event giving rise to the claim.

Some jurisdictions do not allow limitations on certain types of liability, so some of the above limitations may not apply to you.

18. Indemnification

You agree to indemnify, defend, and hold harmless Ministry Institute and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with:

• Your use of the Website, products, or services;

• Your violation of these Terms; or

• Your violation of any law or the rights of any third party.

19. Changes to These Terms

We may update these Terms from time to time.

When we do, we will revise the “Effective Date” at the top of this page. The updated Terms will be effective when posted on the Website, unless a later date is stated.

Your continued use of the Website after the updated Terms are posted constitutes your acceptance of the changes. If you do not agree with the updated Terms, you must stop using the Website.

20. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to its conflict of law principles.

You agree that any dispute arising out of or relating to these Terms, the Website, or any products or services provided by Ministry Institute shall be brought exclusively in the state or federal courts located in Arizona, and you consent to the personal jurisdiction of such courts.

21. Contact Information

If you have any questions about these Terms, refunds, cancellations, payment security, or our policies, please contact us at:

Email: support@ministryinstitute.org