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Black Women’s Wealth Lab®
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Terms of Service

Last updated: May 29, 2026 · Last reviewed: May 29, 2026

1. Agreement to Terms

By accessing the Black Women’s Wealth Lab® website, purchasing any service, submitting an intake form, or otherwise engaging with the Firm, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, do not use our services or submit any information to the Firm.

Your purchase of any service constitutes your acceptance of these Terms in their entirety. These Terms form a binding agreement between you ("Client," "you") and Black Women’s Wealth Lab® ("the Firm," "we").

2. Services

Black Women’s Wealth Lab® provides professional valuation and revenue architecture services, including the Value Audit™, the Stage Rate Audit™, Revenue Diagnosis™, Revenue Blueprint™, and Revenue Architecture Sprint™. These services produce documented deliverables based on information provided by the Client.

The Firm is not a law firm, accounting firm, or licensed financial advisory practice. The Firm does not provide legal advice, financial advice, tax advice, or employment counsel. All deliverables are analytical, strategic, and informational in nature.

The term "forensic" as used by the Firm refers to the analytical rigor and documentation methodology applied to the valuation process. It does not indicate or imply compliance with any legal, accounting, or evidentiary standard of proof. Deliverables are not intended for use as evidence in legal proceedings, arbitration, mediation, formal grievances, or regulatory filings unless independently reviewed and approved by the Client's own legal counsel.

3. Intellectual Property

All methodologies, frameworks, analytical processes, and branded deliverables are the exclusive intellectual property of Black Women’s Wealth Lab®. The following are trademarks of the Firm:

  • Value Audit™
  • Stage Rate Audit™
  • Revenue Architecture Sprint™
  • Revenue Blueprint™
  • Invoice Number™
  • Evidence Portfolio™
  • Replacement Cost Analysis™
  • Corporate Extraction Dictionary™
  • Extraction Calculator™
  • Revenue Diagnosis™
  • Documentation Gap Index™
  • Proof Engine™
  • PEARL Framework™
  • Law of Worth™
  • The Performance Addiction Report™ (forthcoming)
  • Thank You; It’s True™

Unauthorized use, reproduction, adaptation, or distribution of the Firm trademarks, methodologies, deliverable frameworks, or proprietary processes is prohibited and may result in legal action.

4. Client Deliverables

Upon purchase and completion of the engagement, the Client receives a non-exclusive, non-transferable license to use their individual deliverable for personal and professional purposes. The Client may share their deliverable with their legal counsel, HR representatives, financial advisors, or negotiation counterparties as part of their own professional strategy.

The Client may not reproduce, resell, sublicense, publicly distribute, or create derivative works from the deliverable framework, methodology, or analytical structure. The license granted herein is to the output, not the process.

5. No Refund Policy

ALL SALES ARE FINAL. No refunds, credits, chargebacks, or exchanges will be issued under any circumstance once payment has been processed. This applies to all services offered by Black Women’s Wealth Lab®, including but not limited to the Value Audit™, the Stage Rate Audit™, Revenue Architecture Sprint™, digital products, and any other paid offerings.

Each the Firm service involves the immediate allocation of proprietary analytical resources, intellectual property, and professional capacity upon purchase. The Firm begins work on your engagement upon receipt of payment. Because the value delivered is in the methodology and analysis applied to your specific circumstances, refunds are not available regardless of whether the Client completes the intake process, submits requested materials, or utilizes the deliverable.

By completing your purchase, you expressly acknowledge and agree that: (a) all sales are final; (b) no refund will be issued for any reason, including but not limited to dissatisfaction with results, change of mind, failure to submit intake materials, or failure to use the deliverable; and (c) you waive any right to initiate a chargeback, payment dispute, or reversal through your payment provider.

Initiating a chargeback or payment dispute in violation of this policy constitutes a breach of these Terms. The Client agrees to reimburse the Firm for all costs associated with responding to or resolving any such dispute, including administrative fees, payment processor penalties, and reasonable attorney's fees.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the total aggregate liability of Black Women’s Wealth Lab®, its owner, employees, agents, and contractors for any and all claims arising out of or related to these Terms or any service provided by the Firm shall not exceed the total amount paid by the Client to the Firm for the specific service giving rise to the claim.

IN NO EVENT SHALL THE FIRM BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OPPORTUNITIES, OR LOSS OF DATA, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF THE FIRM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Client acknowledges that the Firm deliverables are analytical tools based on information provided by the Client. The Firm does not guarantee any specific outcome, salary increase, promotion, settlement, or financial result from the use of any deliverable.

7. Indemnification

The Client agrees to indemnify, defend, and hold harmless Black Women’s Wealth Lab®, its owner, employees, agents, and contractors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising out of or related to:

  • The Client's misuse, misrepresentation, or unauthorized distribution of any the Firm deliverable.
  • The Client's use of any deliverable in legal proceedings, formal disputes, or regulatory matters without independent legal review.
  • Any third-party claim arising from the Client's actions or representations based on the Firm deliverables.
  • The Client's breach of these Terms, including but not limited to initiating a chargeback in violation of the No Refund Policy.
  • Any inaccurate, incomplete, or misleading information provided by the Client during the intake process.

8. Disclaimer

The Firm deliverables are provided "AS IS" and "AS AVAILABLE." the Firm makes no warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

The Firm deliverables are strategic, analytical, and informational. They do not constitute legal advice, financial advice, tax advice, employment counsel, or any form of licensed professional guidance. The Invoice Number™ is a calculated figure derived from documented inputs and market-rate analysis. It is an analytical output, not an appraisal, audit opinion, or legal determination.

Results and outcomes vary based on individual circumstances, application, market conditions, and factors outside the Firm’s control. The Firm does not guarantee that use of any deliverable will result in a specific financial outcome.

9. Dispute Resolution

Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the services provided by the Firm shall be resolved exclusively through binding arbitration administered in Wake County, North Carolina, in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted by a single arbitrator. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver. The Client agrees that any dispute resolution proceedings will be conducted only on an individual basis and not as part of a class, consolidated, or representative action. The Client waives any right to participate in a class action lawsuit or class-wide arbitration.

Small Claims Exception. Notwithstanding the above, either party may bring an individual action in small claims court in Wake County, North Carolina, provided the claim falls within the court's jurisdictional limits.

Informal Resolution First. Before initiating arbitration, the parties agree to attempt to resolve the dispute informally by contacting the Firm at legal@blackwomenswealthlab.com. If the dispute is not resolved within thirty (30) days of the initial written notice, either party may proceed to arbitration.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of law principles. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Wake County, North Carolina.

11. Modification of Terms

The Firm reserves the right to modify these Terms at any time. Updated Terms will be posted on the Firm’s website with a revised "Last updated" date. Continued use of the Firm services after any modification constitutes acceptance of the updated Terms. Material changes will be communicated via email to active clients.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

13. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between the Client and the Firm with respect to the subject matter hereof. These Terms supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

Privacy Policy

Last updated: June 5, 2026 · Last reviewed: June 5, 2026

1. Information We Collect

We collect the following categories of information:

  • Contact Information: Name and email address, collected via lead-magnet forms (including the Extraction Calculator™ and the Beginner Tax™ Calculator), contact forms, and service purchases.
  • Professional, Compensation, and Speaker Data: Professional history, job titles, compensation history, documented credentials, LinkedIn URL, fee floor and ceiling, paid speaking engagement counts, target audience and sector, and related career data submitted via the Value Audit™ intake form and the Stage Rate Audit™ intake form. This may include sensitive professional and financial information.
  • Payment Information: Payment details processed by Stripe. The Firm does not store, access, or retain payment card numbers, CVVs, or bank account details. We may store the Stripe receipt number you provide during intake for cross-reference with our payment records.
  • Usage Data: Information automatically collected when you visit our website, including aggregate page views collected by Plausible Analytics (cookieless, always-on), page views and conversion events collected by Google Analytics 4 (cookie-based, only after you grant consent via the cookie banner), and standard server logs (IP address, browser type, referring URL) collected by our hosting provider for security and operational monitoring.

2. How We Use Your Information

  • To produce your Value Audit™, Stage Rate Audit™, or other purchased deliverable.
  • To deliver digital products and lead-magnet outputs, including the Extraction Calculator™ estimate and the Beginner Tax™ Calculator estimate.
  • To send transactional confirmation emails (intake receipts, delivery confirmations, and account communications) via Postmark.
  • To send pre-purchase and post-purchase email sequences and broadcast communications via Kit.com.
  • To respond to contact form inquiries and client communications.
  • To process payments via Stripe.
  • To improve our website, services, and client experience.
  • To comply with legal obligations.

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies on this site for the purposes described below. Non-essential cookies (analytics and advertising) do not fire until you click "Accept" on the consent banner. If you click "Decline" or take no action, no analytics or advertising cookies are placed in your browser.

  • Website analytics (consent required). We use Google Analytics 4 (a service of Google LLC) to understand how visitors use the site, which pages convert, and where buyers find us. GA4 sets cookies including _ga, _ga_*, and related identifiers when consent is granted. We also use Plausible Analytics, a cookieless aggregate analytics service, which fires regardless of consent because it does not set cookies and does not collect personal identifiers.
  • Advertising and remarketing (consent required). Google Ads remarketing pixels and conversion tags fire only after you click "Accept." These set cookies including _gcl_au and related Google Ads identifiers and enable Google Ads to show our advertising to visitors who have previously interacted with the site. IP addresses are anonymized via the anonymize_ip directive.
  • Essential infrastructure. Our hosting provider (Netlify) may set short-lived functional cookies strictly necessary for content delivery, form submissions, and security. These do not require consent under applicable cookie law.
  • Payment processing. When you proceed to checkout, you are redirected to Stripe-hosted pages. Stripe sets its own cookies on its own domain (stripe.com) under its own privacy policy.
  • Marketing email tracking. Kit.com, the Firm's email marketing platform, embeds tracking pixels in marketing emails to measure open rates and link clicks. You can disable image loading in your email client to opt out.
  • Transactional email. Postmark, the Firm's transactional email provider, sends confirmation receipts and intake confirmations. Postmark may track delivery and bounce status for deliverability purposes. Transactional emails do not contain marketing tracking pixels.

Revoking consent. Your consent choice is stored locally in your browser. To revoke previously-granted consent, clear your browser cookies and site data for this site and reload; the banner will reappear and you may decline. You may also block cookies via your browser settings.

Do Not Sell or Share. We do not sell personal information. Our use of analytics and advertising cookies for the purpose of cross-context behavioral remarketing may be considered "sharing" under the California Privacy Rights Act. California residents may opt out by clicking "Decline" on the consent banner or by contacting us at legal@blackwomenswealthlab.com.

4. Third-Party Services

We use the following third-party services (data processors) to operate our business. Each service maintains its own privacy policy governing its handling of your data.

  • Stripe. Payment processing for all Firm services.
  • Netlify. Website hosting, form submissions (including Value Audit™ and Stage Rate Audit™ intake forms), and edge security.
  • Postmark. Transactional email delivery, including intake confirmation receipts and deliverable notifications.
  • Kit.com (formerly ConvertKit). Email marketing, broadcast communications, and post-purchase nurture sequences.
  • Acuity Scheduling. Appointment booking for live sessions delivered as part of certain Firm engagements.
  • Google LLC. Google Analytics 4 (website analytics) and Google Ads (advertising and remarketing). Loaded only after consent is granted via the site's cookie banner.
  • Plausible Analytics. Cookieless aggregate website analytics. No personal identifiers collected.

We do not sell, rent, or share personal information with third parties for their own marketing purposes. The third parties listed above process data on the Firm's behalf under their respective terms of service and applicable data-processing agreements.

5. Sensitive Data Handling

The Value Audit™ and Stage Rate Audit™ intake processes collect professional compensation data, fee history, documented credentials, career history, and related information that may be considered sensitive. We take the following measures to protect this data:

  • Intake data is transmitted via encrypted connections (HTTPS/TLS).
  • Access to client intake data and deliverables is restricted to authorized Firm personnel.
  • Client files are stored in access-controlled environments with limited sharing permissions.
  • Compensation data, fee data, and documented credentials are used solely for the purpose of producing the purchased deliverable and are not shared with any third party.

6. Data Retention

Client intake data and deliverables are retained for a minimum of three (3) years for reference, support, and quality assurance purposes. Email subscriber data is retained until the subscriber unsubscribes. Contact form submissions are retained for one (1) year. Payment transaction records are retained as required by applicable tax and accounting regulations.

7. Confidentiality

All intake data and deliverables are treated as confidential. Case studies, testimonials, or anonymized examples published on the website or in marketing materials are shared only with the prior written consent of the Client. No client data, deliverable content, or identifying information is published, shared, or referenced without explicit written consent.

8. Data Security and Breach Notification

The Firm implements reasonable administrative, technical, and physical safeguards to protect client data against unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet or electronic storage is 100% secure, and the Firm cannot guarantee absolute security.

In the event of a data breach affecting your personal information, the Firm will notify affected individuals in accordance with applicable law, including the North Carolina Identity Theft Protection Act (N.C. Gen. Stat. § 75-65). Notification will be provided without unreasonable delay and will include a description of the incident and steps you can take to protect yourself.

9. Your Rights

You may request access to, correction of, or deletion of your personal data at any time by contacting the Firm at the address below. We will respond to verified requests within thirty (30) days.

10. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information.

The Firm does not sell personal information. If you wish to exercise any rights under California law, contact us at legal@blackwomenswealthlab.com. We will verify your identity before processing your request and respond within 45 days.

11. European Economic Area and United Kingdom Privacy Rights

If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) and the UK GDPR apply to the Firm's processing of your personal data.

Controller. Black Women's Wealth Lab® acts as the data controller for personal data submitted directly to the Firm. Third-party processors (Stripe, Netlify, Postmark, Kit.com, Acuity Scheduling, Google LLC, Plausible Analytics) act as data processors under their respective data-processing agreements.

Lawful basis for processing. The Firm processes your personal data under the following lawful bases:

  • Contract performance (Article 6(1)(b)) for the production and delivery of services you have purchased.
  • Legitimate interests (Article 6(1)(f)) for security monitoring, the cookieless Plausible Analytics service, and the operational improvement of our services.
  • Consent (Article 6(1)(a)) for marketing email communications, Google Analytics 4 (cookies set only after consent), Google Ads remarketing (cookies set only after consent), and any other processing for which we explicitly request your consent via the cookie banner.
  • Legal obligation (Article 6(1)(c)) for tax, accounting, and regulatory compliance.

Consent mode. Google Analytics 4 and Google Ads tags on this site are loaded with Google Consent Mode v2. All four consent signals (ad_storage, ad_user_data, ad_personalization, analytics_storage) default to "denied" on every page load. No GA4 or Google Ads cookies are placed until the visitor clicks "Accept" on the cookie banner.

Your rights. You have the right to access, rectify, erase, restrict, and port your personal data, and to object to processing based on legitimate interests. You may withdraw consent at any time: for cookies, by clearing your browser cookies and site data for this site and clicking "Decline" when the banner reappears; for marketing communications, via the unsubscribe link in any Kit.com email; for any other consent-based processing, by contacting us. You also have the right to lodge a complaint with your local supervisory authority (in the EEA, your national data protection authority; in the UK, the Information Commissioner's Office).

International data transfers. The Firm and its processors are located in the United States. Transfers of personal data from the EEA, UK, or Switzerland to the United States are conducted under Standard Contractual Clauses (SCCs) approved by the European Commission, or under the EU-U.S. Data Privacy Framework where applicable to a given processor. Google LLC (Google Analytics 4 and Google Ads) participates in the EU-U.S. Data Privacy Framework and the UK Extension to the EU-U.S. Data Privacy Framework.

To exercise any rights described in this section, contact us at legal@blackwomenswealthlab.com. We will verify your identity and respond within thirty (30) days as required by Article 12(3) of the GDPR.

12. Contact

For questions regarding these Terms, this Privacy Policy, or to exercise your data rights, contact:

Black Women’s Wealth Lab®
Raleigh, North Carolina
Email: legal@blackwomenswealthlab.com
Contact Form

Trademark Notice

Black Women’s Wealth Lab® is a registered trademark. Value Audit™, Stage Rate Audit™, Revenue Architecture Sprint™, Revenue Blueprint™, Invoice Number™, Evidence Portfolio™, Replacement Cost Analysis™, Corporate Extraction Dictionary™, Extraction Calculator™, Revenue Diagnosis™, Documentation Gap Index™, Proof Engine™, PEARL Framework™, Law of Worth™, The Performance Addiction Report™ (forthcoming), and Thank You; It’s True™ are trademarks of Black Women’s Wealth Lab®. All rights reserved.