Company: Her Secret Vault Inc.
Also Doing Business As: Arcana Crypto Inc.

Welcome to Her Secret Vault. These Terms & Conditions (“Terms”) govern your use of the Her Secret Vault website, programs, courses, coaching services, digital products, memberships, resources, events, and other services offered through our website and related platforms.

By accessing our website, purchasing a product or service, registering for a program, joining a membership, or otherwise using our services, you agree to these Terms.

If you do not agree with these Terms, please do not use our website or purchase our products or services.

1. ABOUT HER SECRET VAULT

Her Secret Vault provides educational content, business resources, digital products, courses, coaching, consulting, workshops, memberships, and other resources designed to help entrepreneurs learn about areas such as business credit, funding, business development, technology, artificial intelligence, and related business topics.

Our services are intended to provide education, information, resources, and guidance.

Her Secret Vault does not guarantee that any individual will qualify for financing, credit, funding, business vehicles, grants, contracts, or any other business opportunity.

2. ELIGIBILITY

You must be at least 18 years old, or the legal age of majority in your jurisdiction, to purchase or use our services unless otherwise permitted by applicable law.

By using our website or purchasing our services, you represent that:

• The information you provide is accurate and complete.

• You have the legal authority to enter into these Terms.

• You will use our website and services for lawful purposes.

• You will not use our services to engage in fraudulent, deceptive, or illegal activities.

3. OUR PRODUCTS AND SERVICES

Her Secret Vault may offer several types of products and services, including:

Digital Products

These may include:

• E-books

• Guides

• Templates

• Workbooks

• Digital resources

• Downloadable materials

• Other electronically delivered products

Courses & Educational Programs

Courses may include pre-recorded lessons, live training, educational materials, workbooks, community access, or other course-related resources.

Coaching & Consulting

We may offer individual or group coaching, consulting sessions, strategy sessions, workshops, or other forms of educational support.

Memberships

Membership programs may include access to educational content, communities, resources, trainings, events, or other benefits described on the applicable sales or membership page.

Events & Challenges

Her Secret Vault may offer live or virtual events, challenges, workshops, and training programs.

The specific terms, pricing, access period, inclusions, and requirements for a particular product or service will be provided at the time of purchase.

4. EDUCATIONAL DISCLAIMER

Information provided through Her Secret Vault is for educational and informational purposes only.

Our content should not be interpreted as:

• Legal advice

• Tax advice

• Accounting advice

• Financial advice

• Investment advice

• Lending advice

• Professional credit advice

• A guarantee of approval

• A guarantee of funding

• A guarantee of business success

You are responsible for conducting your own research and consulting qualified professionals when appropriate.

5. NO GUARANTEE OF CREDIT, FUNDING OR APPROVAL

Her Secret Vault may provide education and resources related to business credit, funding, business vehicles, vendors, lenders, grants, financial products, and other opportunities.

However, approval is never guaranteed.

Approval decisions may be made by third-party lenders, creditors, banks, vendors, funding providers, government agencies, or other independent organizations.

Factors outside of our control may affect an individual's eligibility or approval, including but not limited to:

• Credit history

• Business history

• Revenue

• Industry

• Business structure

• Existing obligations

• Documentation

• Application information

• Lender requirements

• Vendor requirements

• Underwriting criteria

• Changes in third-party policies

Results vary by individual and business.

Any examples, case studies, testimonials, income figures, funding amounts, credit results, or business outcomes presented on our website are not guarantees of future results.

6. BUSINESS CREDIT SERVICES

Where applicable, Her Secret Vault may provide education, resources, consulting, or assistance related to business credit.

Our services do not guarantee:

• A particular credit score

• A specific credit limit

• Approval for a credit product

• Approval for a business vehicle

• Funding approval

• Vendor approval

• Removal of accurate negative information

• A specific timeframe for establishing business credit

You are responsible for providing accurate information and completing any required actions.

We do not encourage falsifying information, misrepresenting your business, creating fraudulent documentation, or providing inaccurate information to lenders, creditors, vendors, government agencies, or other third parties.

7. PAYMENTS

Prices for products and services are displayed on the applicable checkout or sales page.

By completing a purchase, you authorize Her Secret Vault or its authorized payment processor to charge the payment method you provide.

We may use third-party payment processors to process transactions.

You agree to provide accurate billing and payment information.

If a payment fails, is declined, reversed, or otherwise cannot be processed, we may suspend access to the applicable product or service until the payment issue is resolved.

8. REFUNDS & CANCELLATIONS

All sales are not automatically refundable.

Because many of our products and services provide immediate access to digital content, educational materials, memberships, appointments, or reserved services, certain purchases may be final once payment has been completed.

The refund or cancellation terms applicable to your purchase will be disclosed on the applicable checkout page, offer page, agreement, or purchase confirmation.

Unless otherwise specifically stated:

• Digital products are non-refundable after delivery or access.

• Downloadable products are non-refundable once accessed or downloaded.

• Courses may be non-refundable once access has been provided.

• Membership payments may be non-refundable for a billing period that has already begun.

• Coaching or consulting sessions may be subject to separate cancellation policies.

• Event and challenge purchases may be subject to the terms provided during registration.

If a specific product or service has a separate written refund policy, that policy will control for that purchase.

9. MEMBERSHIP CANCELLATIONS

If you purchase a recurring membership, you may cancel future billing according to the cancellation instructions provided with your membership.

Cancellation stops future recurring charges but does not automatically create a refund for payments already processed.

Unless otherwise stated, you may continue to have access to membership benefits through the end of the current paid billing period.

10. APPOINTMENTS & COACHING SESSIONS

If you schedule a coaching, consulting, or other appointment with Her Secret Vault, you are responsible for attending at the scheduled time.

Appointments may have specific cancellation or rescheduling requirements communicated at the time of booking.

Repeated missed appointments or late cancellations may result in the loss of the scheduled session without a refund, where permitted by the applicable booking terms.

11. INTELLECTUAL PROPERTY

All content available through Her Secret Vault, including but not limited to:

• Website content

• Logos

• Branding

• Graphics

• Videos

• Audio

• Courses

• E-books

• Guides

• Workbooks

• Templates

• Written materials

• Training materials

• Images

• Designs

• Software or proprietary materials

is owned by or licensed to Her Secret Vault and is protected by applicable intellectual property laws.

Purchasing access to a product, course, membership, or service does not transfer ownership of our intellectual property to you.

Unless we provide written permission, you may not:

• Copy our materials for resale

• Distribute our materials

• Upload our materials to another platform

• Share paid course access

• Reproduce our proprietary materials

• Sell or sublicense our materials

• Use our content to create competing products

12. COURSE & MEMBERSHIP ACCESS

When you purchase access to a course, membership, community, or digital program, your access is generally provided for the period specified at the time of purchase.

You may not share your login credentials with another person.

We reserve the right to suspend or terminate access if we reasonably believe an account is being shared, misused, or used in violation of these Terms.

13. USER RESPONSIBILITIES

You agree to use our website and services responsibly.

You may not:

• Use the website for unlawful purposes.

• Attempt to gain unauthorized access to our systems.

• Interfere with website functionality.

• Upload malicious code.

• Attempt to access another customer's account.

• Copy or distribute proprietary materials without permission.

• Impersonate another individual or business.

• Submit fraudulent information.

• Use our services to facilitate unlawful activity.

14. THIRD-PARTY SERVICES & RESOURCES

Her Secret Vault may provide links, recommendations, references, or integrations involving third-party companies, platforms, lenders, vendors, payment processors, software providers, financial institutions, or other organizations.

These third parties operate independently from Her Secret Vault.

We do not control and are not responsible for the:

• Availability

• Policies

• Terms

• Pricing

• Products

• Services

• Decisions

• Approval requirements

• Performance

of third-party providers.

You are responsible for reviewing the terms and privacy policies of any third-party service you choose to use.

15. TESTIMONIALS & RESULTS

Testimonials, reviews, case studies, examples, and success stories presented on our website reflect the experiences of the individuals providing them.

Individual results vary.

Past performance or results do not guarantee future outcomes.

Any references to specific funding amounts, revenue, credit improvements, business growth, or other results should not be interpreted as a promise that you will achieve the same result.

16. AI-GENERATED CONTENT & TECHNOLOGY

Her Secret Vault may use artificial intelligence and technology tools in connection with certain educational resources, marketing materials, workflows, services, or programs.

AI-generated information may contain errors or inaccuracies.

You should independently verify important information before relying on it, particularly information involving financial, legal, tax, compliance, or business decisions.

17. PRIVACY

Your use of our website is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

By using our website, you acknowledge that you have had an opportunity to review our Privacy Policy.

18. DISCLAIMER OF WARRANTIES

Our website, products, services, courses, resources, and educational materials are provided on an “as is” and “as available” basis to the extent permitted by law.

We do not guarantee that:

• The website will always be available.

• Our content will always be error-free.

• Third-party services will remain available.

• Information will always be current.

• A particular business result will occur.

• You will receive funding, credit, financing, approval, grants, contracts, or other opportunities.

19. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Her Secret Vault and its owners, employees, contractors, representatives, affiliates, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of our website, products, services, or educational materials.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

20. INDEMNIFICATION

You agree to indemnify and hold harmless Her Secret Vault Inc., its owners, employees, contractors, affiliates, and representatives from claims, damages, liabilities, losses, costs, or expenses arising from:

• Your violation of these Terms.

• Your misuse of our website or services.

• Your violation of applicable laws.

• Your violation of another person's rights.

• Information or materials you submit to us.

21. CHANGES TO THESE TERMS

We may update these Terms from time to time.

When we make changes, we will update the Effective Date at the top of this page.

Your continued use of our website or services after updated Terms are posted constitutes acceptance of the revised Terms, to the extent permitted by law.

22. TERMINATION

We reserve the right to suspend or terminate access to our website, courses, memberships, communities, or services if we reasonably believe that you have:

• Violated these Terms.

• Engaged in fraudulent activity.

• Misused our intellectual property.

• Shared unauthorized account access.

• Engaged in abusive or threatening behavior.

• Used our services for unlawful purposes.

Termination does not eliminate obligations that accrued before termination.

23. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws applicable to the jurisdiction in which Her Secret Vault Inc. operates, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Any dispute will be handled in accordance with applicable law and any legally enforceable agreement between you and Her Secret Vault.

Important: The exact governing-law and venue language should be reviewed by the company's attorney before publication so it matches the company's legal entity and state of operation.

24. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any additional terms presented at the time of purchase or enrollment, constitute the agreement between you and Her Secret Vault regarding your use of the applicable website, products, and services.

If a specific product or service has additional terms, those terms may apply to that purchase.

25. CONTACT US

If you have questions about these Terms & Conditions, please contact us:

Her Secret Vault Inc.

📧 [email protected]
📧 [email protected]
📞 646-846-8639

Her Secret Vault Inc.
1 Little West 12th St
New York, NY 10014