BILLING POLICIES: Our policy at Time, Money & Happiness Matters is that all sales are final. You will see a merchant charge from "Living5x5" on your credit card statement. There are no refunds and you are responsible for the full amount of the order, as we encourage our clients to purchase with the integrity to own their buying decisions. We understand there are extenuating circumstances that may occur and as such, in special circumstances as approved by us in writing, you may be approved to roll your payments over to secure a spot in another program, service, retreat, or workshop within 12 months as long as these requests are made within 30 days of submitting payment. By placing your order, you are indicating your agreement to the terms of this offer and to our billing policies on https://happinessmatters.com/billing-policies/

EARNINGS DISCLAIMER: When addressing financial matters on our website and in any of our marketing, including but not limited to our newsletters, program pages, videos, and other content, every effort has been made to ensure that we accurately represent our programs and their ability to improve your life. However, Time, Money & Happiness Matters does not guarantee that you will get any results or earn any money using our tools, programs, strategies, or recommendations. Nothing on our sites is a promise or guarantee of future earnings. By purchasing on this order form, you agree that you are fully responsible for your progress from your participation and implementation, and that we offer no representations or guarantees verbally or in writing regarding your earnings potential.