Terms of Use

Last Updated: April 2026

Welcome to KeiaValentin.com and all associated services, including HER HQ and hercollectivehq.com (“Site”), owned and operated by Rich Life Solutions LLC (“Company,” “we,” “us,” or “our”). By using this Site, you agree to these Terms of Use.

If you do not agree, please discontinue your use of the Site.

1. Overview

This Site provides educational content, coaching information, digital products, programs, and access to membership communities such as HER HQ.

All content is for educational and informational purposes only and should not be interpreted as financial, legal, or investment advice.

2. Not Professional Financial or Investment Advice

Keia Valentin is a licensed life insurance professional and educator. She is not:

– a financial advisor
– an investment advisor
– a CPA
– an attorney

Information related to wealth-building, cash value life insurance, or Infinite Banking (IBC) is educational only.

You are responsible for consulting with the appropriate licensed professional before making financial decisions.

3. Coaching and Programs

Participation in coaching or membership programs does not guarantee results. Your outcomes depend on your actions, implementation, and personal circumstances.

We reserve the right to refuse service to anyone.

4. Intellectual Property

All content on this Site—including text, videos, graphics, branding, digital products, and materials—is owned by Rich Life Solutions LLC.

You may not copy, modify, distribute, or share content without written permission.

5. Payments & Refunds

Purchases of digital products, coaching, courses, or memberships are non-refundable unless otherwise stated at checkout or explicitly included in a guarantee (such as a 14-day guarantee where applicable).

Membership subscriptions may be canceled according to the terms provided at enrollment.

6. Links to Third Parties

This Site may contain links to third-party resources. We are not responsible for the content or practices of any third-party websites.

7. Limitations of Liability

We are not liable for:

– decisions made based on the content on this Site
– business or financial outcomes
– interruptions or errors on the Site
– the actions of users or other participants in programs

Using this Site is at your own risk.

8. Governing Law

These Terms are governed by the laws of the State of Florida.

9. Changes to Terms

We may update these Terms at any time. Updates will be reflected with a new “Last Updated” date.

10. Communications & SMS Consent

By submitting your information through this Site or associated pages, you agree to receive communications from Rich Life Solutions LLC (including HER HQ), which may include email and SMS messages such as reminders, follow-ups, updates, and occasional promotional content.

Message frequency may vary. Message and data rates may apply. You can reply STOP at any time to unsubscribe or HELP for assistance.

Consent to receive SMS messages is not a condition of purchase.

11. Contact

For questions regarding these Terms:

Rich Life Solutions LLC
Email: hello@keiavalentin.com