Terms of Use

Last Revised: April 4, 2026

Please read these Terms of Use carefully before using the websites operated by ThrīvPath, LLC (“ThrīvPath,” “Company,” “we,” “us,” or “our”), including:

• thrivpath.com
• nickbogatin.com

(collectively, the “Sites”).

By accessing or using any of the Sites, you acknowledge and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use, please do not use the Sites.

We may update these Terms of Use from time to time. Any updates will be posted on this page with a revised date. Your continued use of the Sites after updated Terms of Use are posted constitutes your acceptance of the revised Terms of Use.

These Terms of Use apply only to the Sites and not to any unaffiliated third-party websites, platforms, or services that may be linked from or referenced on the Sites.

1. Contact Us

If you have any questions about these Terms of Use, please contact us at:

support@thrivpath.com

2. Intellectual Property

Unless otherwise stated, ThrīvPath owns or has licensed the intellectual property rights in the Sites and in the content, design, layout, graphics, text, audio, video, downloads, training materials, trademarks, service marks, logos, and other materials made available on or through the Sites.

All such content and materials are protected by applicable intellectual property and proprietary-rights laws.

Except as expressly authorized by us in writing, you may not:

1. republish material from the Sites, including on another website, platform, or publication;
2. sell, rent, sublicense, or commercially exploit any material from the Sites;
3. reproduce, duplicate, copy, distribute, publicly display, publicly perform, or otherwise use Site materials for a commercial purpose;
4. edit, modify, adapt, or create derivative works from Site materials except as expressly permitted;
5. redistribute Site materials except where content is specifically and expressly made available for redistribution.

You may view, download for temporary caching purposes, and print pages from the Sites for your own personal, non-commercial use, subject to the restrictions in these Terms of Use.

Any unauthorized use of our content, materials, trademarks, brand assets, proprietary concepts, or other intellectual property is prohibited.

3. Eligibility and Intended Audience

The Sites, our content, and our offers are intended for adults.

By using the Sites, you represent that you are at least 18 years old and legally able to enter into a binding agreement.

Our Sites, content, services, and marketing are not directed to children, and we do not target minors.

If you are under 18, you may not use the Sites, submit personal information through the Sites, register for offers, or purchase any product or service through the Sites.

4. Acceptable Use of the Sites

You agree not to use the Sites:

• in any way that is unlawful, fraudulent, deceptive, abusive, harassing, threatening, defamatory, obscene, or otherwise harmful;
• in any way that may damage, disable, overburden, impair, or interfere with the operation, security, or accessibility of the Sites;
• to introduce malware, spyware, viruses, Trojan horses, worms, keystroke loggers, rootkits, or other malicious code;
• to conduct systematic or automated data collection activities, including scraping, data mining, data extraction, harvesting, indexing, or similar collection methods, without our express written consent;
• to transmit or send unsolicited commercial communications;
• to impersonate another person or entity, or misrepresent your affiliation with any person or entity;
• to gain unauthorized access to any portion of the Sites, other accounts, systems, or networks connected to the Sites;
• to use the Sites or any content from the Sites for competing commercial purposes without our express written consent.

5. Text Messages and Mobile Communications

If you provide your mobile number and opt in to receive text messages from us, you agree that we may send you transactional, service-related, reminder, or marketing text messages depending on the context of your consent.

Message frequency may vary. Message and data rates may apply depending on your carrier and mobile plan.

You can opt out of marketing text messages at any time by replying STOP to any message or by contacting us at support@thrivpath.com. You may also use other reasonable means to communicate your opt-out request. We will honor opt-out requests as required by applicable law. Where permitted by law, we may send a one-time confirmation message confirming your opt-out.

Consent to receive marketing text messages is not a condition of purchasing goods or services from us.

We may use third-party service providers to facilitate text-message delivery on our behalf. We do not sell or share text-message opt-in data, consent records, or related mobile information with third parties for their own marketing or promotional purposes.

6. Purchases and Refund Policy

If you purchase a product, service, event, program, subscription, or other offering from us, the applicable pricing, payment terms, and refund policy will be stated on the applicable order page, checkout page, enrollment terms, or offer-specific agreement.

By completing a purchase, you agree to the terms presented at the time of purchase.

If you have questions regarding a refund policy for a specific purchase, please contact support@thrivpath.com.

7. Third-Party Links, Tools, and References

The Sites may contain links to or integrations with third-party websites, platforms, tools, content, login providers, social media services, payment processors, video players, scheduling tools, or other services.

We do not control and are not responsible for the content, availability, policies, or practices of any third-party websites or services. Your use of any third-party website or service is at your own risk and is governed by that third party’s own terms and policies.

Any reference on the Sites to a third-party product, service, provider, or link does not necessarily constitute or imply endorsement.

8. Submissions

We welcome general comments, feedback, and questions about the Sites and our offerings. However, we do not wish to receive unsolicited confidential or proprietary ideas, concepts, creative materials, or business proposals.

If you send us any unsolicited idea, suggestion, feedback, content, or other material (collectively, a “Submission”), you agree that:

• the Submission will not be treated as confidential;
• we are not under any obligation to review, use, return, acknowledge, or compensate you for the Submission;
• to the extent permitted by law, we may use, reproduce, modify, adapt, publish, distribute, or otherwise exploit the Submission for any lawful purpose without restriction, compensation, or notice to you.

Please do not submit confidential or proprietary material unless we have expressly requested it in writing.

9. Interactive Features, Communities, and Forums

If the Sites now or in the future include message boards, chat features, comment areas, communities, review areas, private groups, or other interactive features (collectively, “Forums”), the following rules apply.

You may not post, upload, transmit, or otherwise make available through any Forum any material that:

• is unlawful, defamatory, harassing, abusive, hateful, obscene, or invasive of another person’s privacy;
• infringes any intellectual property or other rights of a third party;
• contains malware or harmful code;
• contains false, misleading, or deceptive statements;
• advertises or solicits goods or services without our written consent;
• solicits funds or promotes schemes, spam, or unauthorized promotions.

We may, but are not obligated to, monitor, review, edit, refuse, or remove Forum content at our sole discretion.

You remain solely responsible for any content you post or transmit through a Forum.

By posting content through a Forum, you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to use, reproduce, modify, publish, display, distribute, and otherwise use that content in connection with operating, promoting, and improving our business and offerings, subject to applicable law.

10. Accounts and Restricted Access

Some portions of the Sites or related services may require registration, login credentials, or restricted access.

If you create or are assigned an account, username, password, or other login credentials, you are responsible for maintaining their confidentiality and for all activity that occurs under your account.

You agree to notify us promptly at support@thrivpath.com if you become aware of any unauthorized use of your account or credentials.

We reserve the right to suspend, restrict, disable, or terminate access credentials or access to any restricted area of the Sites at our discretion, with or without notice, where permitted by applicable law.

11. User Content

If you submit or post any content to the Sites or through related services, including text, images, audio, video, testimonials, comments, questions, or other materials (“User Content”), you represent and warrant that:

• you own or control the rights necessary to provide that User Content;
• the User Content does not violate any law or the rights of any third party;
• the User Content is not false, misleading, infringing, defamatory, or otherwise unlawful.

You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, adapt, publish, display, distribute, and otherwise use the User Content in connection with the Sites, our business operations, and our promotional activities, subject to applicable law and any separate written agreement that may apply.

We reserve the right, but not the obligation, to remove or edit User Content at our discretion.

12. Testimonials and Results

The Sites may contain testimonials, endorsements, case studies, or examples of outcomes achieved by clients, customers, or other individuals.

These examples are provided for illustrative purposes only. Individual results vary and depend on many factors, including effort, experience, timing, judgment, consistency, market conditions, and circumstances outside our control.

Nothing on the Sites should be understood as a promise, guarantee, or assurance of any specific result.

13. No Professional Advice

The information made available on or through the Sites is provided for general educational and informational purposes only.

Nothing on the Sites is intended to be, and should not be understood as, legal, medical, psychological, psychiatric, therapy, tax, accounting, financial, investment, or other licensed professional advice.

You should consult an appropriately qualified professional regarding your own circumstances before making decisions related to health, mental health, legal matters, finances, taxes, business structure, or other matters that may require professional guidance.

Your use of the Sites does not create any professional-client, fiduciary, therapy, medical, or similar relationship.

14. Earnings and Business Results Disclaimer

From time to time, the Sites may discuss business growth, revenue, sales, marketing performance, client results, or related topics.

We make no guarantee that you will achieve any particular financial outcome, business result, client-acquisition result, income level, or return on investment from using our Sites, content, ideas, strategies, products, or services.

Any examples of results are not typical guarantees and should not be interpreted as promises of future performance.

Your results depend on many factors, including your effort, execution, offer, market, skill, judgment, resources, audience, timing, and other factors outside our control.

15. Mature Topics

The Sites may include candid perspectives and discussions about business and personal growth, not limited to mindset, behaviors, challenges, risks, financial considerations, legacy planning, and other topics relevant to growth.

If you are uncomfortable with such topics, the Sites may not be appropriate for you.

16. Disclaimer of Warranties

THE SITES AND ALL CONTENT, MATERIALS, INFORMATION, PRODUCTS, SERVICES, AND FEATURES MADE AVAILABLE THROUGH THE SITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THRĪVPATH DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITES WILL BE AVAILABLE, SECURE, ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT CONTENT ON THE SITES IS ACCURATE, COMPLETE, OR CURRENT.

YOUR USE OF THE SITES IS AT YOUR OWN RISK.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THRĪVPATH AND ITS OFFICERS, OWNERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITES OR ANY CONTENT, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF THRĪVPATH IS FOUND LIABLE FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITES OR THESE TERMS OF USE, OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US, IF ANY, FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

18. Indemnification

You agree to defend, indemnify, and hold harmless ThrīvPath and its officers, owners, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, judgments, awards, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your misuse of the Sites;
• your violation of these Terms of Use;
• your User Content;
• your violation of any law or the rights of any third party.

19. Breach and Remedies

If you violate these Terms of Use, we may take any action we reasonably deem appropriate to protect the Sites, our users, our business, or our rights, including suspending or terminating your access, removing content, blocking access, canceling transactions where permitted, and pursuing available legal remedies.

20. Assignment

We may assign, transfer, subcontract, or otherwise delegate our rights or obligations under these Terms of Use, in whole or in part, without notice to you, to the extent permitted by applicable law.

You may not assign or transfer your rights or obligations under these Terms of Use without our prior written consent.

21. Severability and Integration

If any provision of these Terms of Use is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect to the maximum extent permitted by law.

These Terms of Use, together with our Privacy Policy and any additional offer-specific terms or agreements presented to you at the time of purchase, registration, or use, constitute the entire agreement between you and ThrīvPath regarding the Sites, except to the extent superseded by a separate written agreement.

22. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles, except to the extent federal law, including the Federal Arbitration Act, applies.

23. Mandatory Arbitration

Please read this section carefully. It affects your rights.

To the fullest extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to the Sites, these Terms of Use, the Privacy Policy, or any product or service purchased through the Sites will be resolved by final and binding arbitration on an individual basis, rather than in court, except that either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual property or confidential information.

The arbitration will be administered by the American Arbitration Association under its applicable consumer or commercial arbitration rules then in effect, as applicable, unless the parties agree otherwise.

Unless the parties agree to conduct the arbitration remotely or in another location, the arbitration will take place in Pennsylvania, in the county where ThrīvPath maintains its principal place of business.

The arbitrator will have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration provision, except to the extent applicable law clearly provides otherwise.

Judgment on the arbitration award may be entered in any court having jurisdiction.

24. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING.

UNLESS BOTH YOU AND THRĪVPATH AGREE OTHERWISE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS, COLLECTIVE, MASS, OR REPRESENTATIVE PROCEEDING.

25. Privacy

Your use of the Sites is also subject to our Privacy Policy.

26. Electronic Communications

By using the Sites, sending emails to us, submitting forms, registering for offers, or otherwise communicating with us electronically, you consent to receive communications from us electronically, including by email, through the Sites, and, where you have opted in, by text message.

You agree that electronic communications, disclosures, notices, and agreements satisfy any legal requirement that such communications be in writing, to the extent permitted by law.