Terms of service

Terms of Service

Effective Date: June 27, 2026

PLEASE READ CAREFULLY. These Terms of Service ("Terms") form a binding legal agreement between you ("Client," "you," or "your") and Divine Insurance Group LLC ("Divine," "we," "us," or "our"). By accessing this online store, completing a purchase, or using any consulting service or digital product provided by Divine, you agree to be bound by these Terms in their entirety, including the binding arbitration clause and class-action waiver in Section 14. If you do not agree, do not use this store and do not purchase any product.

1. About Divine

Divine Insurance Group LLC is a Pennsylvania limited liability company (EIN 26-2594456) headquartered at 5536 Pulaski Ave, Philadelphia, PA 19144. Divine is a licensed Pennsylvania insurance agency and offers professional consulting services in the areas of business credit profile development, capital readiness strategy, and related advisory work.

2. Scope and Acceptance

These Terms apply to every product, service, deliverable, communication, and interaction between you and Divine arising from this store. Your acceptance is given by any of the following: (a) completing checkout; (b) clicking any "I agree" or "Purchase" button; (c) attending a consulting call you booked through Divine; or (d) receiving any deliverable from Divine. Acceptance is irrevocable for the transaction in question.

3. Nature of Services — Advisory Only

Divine's consulting services are strictly advisory. Strategy sessions, Capital Readiness Roadmaps, implementation programs, and all related deliverables provide professional analysis, frameworks, and recommendations. They do not constitute:

  • Legal advice (Divine is not a law firm)
  • Tax advice (Divine is not a CPA firm or tax preparer)
  • Investment advice (Divine is not a registered investment adviser, broker-dealer, or financial planner)
  • Credit repair services (see Section 5)
  • A guarantee of any specific lender approval, funding amount, credit score, tradeline placement, or financial outcome

You are solely responsible for any decisions you make based on Divine's recommendations and for engaging your own licensed attorney, CPA, or investment adviser where appropriate.

4. Insurance Products

Any insurance product mentioned, recommended, or quoted is offered through Divine in its separate capacity as a licensed Pennsylvania insurance agency. Insurance transactions are governed by separate licensing disclosures, applications, and contracts. Nothing in these Terms creates an insurance contract, binder, or coverage commitment.

5. No Credit Repair Services

Divine is not a Credit Repair Organization as defined in the Credit Repair Organizations Act, 15 U.S.C. §1679 et seq., or under any analogous state law. Divine does not: (a) promise to remove accurate or verifiable items from any consumer credit report; (b) charge fees in advance for consumer credit repair services; or (c) hold itself out to consumers as a credit-repair business. Divine's services focus on business credit profile development and capital readiness strategy, distinct from consumer credit repair.

6. Payment, Net-30 Invoicing, and Late Fees

Standard checkout processes payment immediately. Eligible buyers may opt into Net-30 invoicing on select products. For Net-30 invoices:

  • Payment is due 30 calendar days from the invoice date.
  • Late payments accrue interest at 1.5% per month (18% annualized) or the maximum rate permitted by Pennsylvania law, whichever is lower.
  • Divine may report payment performance — positive or negative — to commercial credit bureaus including Dun & Bradstreet, Experian Business, and Equifax Business.
  • Unpaid balances over 60 days may be referred to a third-party collections agency. You agree to pay all reasonable collection costs and attorney's fees Divine incurs to recover the amount owed.
  • Divine reserves the right to suspend all services to clients with unpaid invoices until full payment is received.

7. Refunds, Cancellations, and Chargebacks

Refund eligibility, cancellation windows, and chargeback rules are governed by Divine's Return & Refund Policy, which is incorporated into these Terms by reference. By completing checkout, you affirmatively agree to that policy.

Chargebacks specifically: Filing a payment dispute or chargeback on a delivered service constitutes a material breach of these Terms. Before initiating any dispute, you agree to contact Divine in writing at info@divineinsurancegroup.com and allow fourteen (14) business days to investigate. Failure to do so will be cited as evidence of bad-faith dispute filing. Divine may recover all reasonable costs of contesting any improper chargeback, including legal fees, plus a $50 administrative fee.

8. Client Obligations and Conduct

You agree that you will:

  • Provide accurate, current, and complete information in all intake forms and communications;
  • Show up to scheduled calls on time and prepared, or reschedule per Divine's policy;
  • Not record, transcribe, or republish any portion of a consulting call without Divine's prior written consent;
  • Not share Divine's proprietary deliverables, frameworks, or written work product with third parties without prior written consent;
  • Not use Divine's name, license, or recommendations to represent yourself to third parties in any manner not authorized by Divine in writing;
  • Not use Divine's services to apply for credit using false statements, falsified documents, or material misrepresentations — doing so is a violation of federal law (18 U.S.C. §1014) for which you accept sole responsibility.

Violation of any of these obligations is a material breach permitting Divine to terminate the engagement immediately without refund.

9. Intellectual Property

All original content created by or for Divine — including the Capital Readiness Roadmap framework, written deliverables, methodologies, templates, training materials, brand identity, store content, and email content — is the sole intellectual property of Divine Insurance Group LLC, protected under U.S. copyright and trademark law.

You receive a limited, non-exclusive, non-transferable, revocable license to use the deliverables you purchase for your own internal business purposes only. You may not: (a) resell, republish, or redistribute any deliverable; (b) train any AI or machine-learning model on Divine's content; (c) create derivative works for commercial sale; or (d) use Divine's trademarks, logos, or name in any marketing or representations without prior written consent.

Any unauthorized use entitles Divine to injunctive relief, actual damages, and statutory damages of up to $30,000 per work infringed (or up to $150,000 for willful infringement) under 17 U.S.C. §504, plus attorney's fees.

10. Confidentiality (Mutual)

Both parties agree to keep confidential any non-public business, financial, or personal information shared in the course of the engagement, and to use such information only for the purposes of delivering or receiving the services. This obligation survives termination of the engagement for three (3) years.

11. Affiliate Disclosures

Some of Divine's emails, resources, and recommendations contain affiliate links. Divine may receive a commission when you sign up for or purchase products through those links, at no additional cost to you. Divine only recommends products it believes genuinely help its clients. Affiliate relationships do not influence paid consulting recommendations.

12. Limitation of Liability (Read Carefully)

To the maximum extent permitted by Pennsylvania law:

  • Divine's total cumulative liability arising from or related to any transaction, product, service, communication, or interaction with you is capped at the amount you actually paid Divine for the specific product giving rise to the claim, in the twelve (12) months preceding the event.
  • Divine is not liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including without limitation lost profits, lost business opportunities, lost funding, lost capital, reputational harm, or emotional distress, even if Divine has been advised of the possibility of such damages.
  • Divine is not liable for decisions made by third parties (lenders, bureaus, vendors, regulators) based on the strategies you implement, nor for market conditions, interest rate changes, regulatory changes, or other circumstances outside Divine's control.
  • You agree that this limitation is a material part of the bargain, that the fees you paid reflect this allocation of risk, and that without it Divine would not have agreed to provide the services.

13. Indemnification

You agree to indemnify, defend, and hold harmless Divine, its officers, directors, employees, agents, and affiliates from any and all third-party claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney's fees) arising from or related to: (a) your breach of these Terms; (b) your misuse of any deliverable; (c) your misrepresentations to lenders, bureaus, regulators, or other third parties; (d) your violation of any applicable law; or (e) any decisions you make based on Divine's recommendations.

14. Binding Arbitration and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

14.1 Mandatory Arbitration. Except for the limited matters in Section 14.4, any dispute, claim, or controversy arising out of or relating to these Terms, your purchase, or any product or service provided by Divine — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory — shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, conducted in Philadelphia County, Pennsylvania, before a single arbitrator. The arbitrator's decision is final and enforceable in any court of competent jurisdiction.

14.2 Class-Action Waiver. You and Divine each agree to bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class action, collective action, mass action, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable, then the entirety of Section 14 is null and void, but the remaining provisions of these Terms remain in full force.

14.3 Pre-Dispute Notice. Before initiating arbitration, you agree to send a written Notice of Dispute to info@divineinsurancegroup.com describing the claim and the relief sought, and to allow Divine thirty (30) days to attempt to resolve the matter informally.

14.4 Carve-Outs. Notwithstanding the foregoing, either party may: (a) bring a small-claims action in Philadelphia County, Pennsylvania for any claim that qualifies; (b) seek injunctive or equitable relief in court to protect intellectual property or confidential information; or (c) pursue collection of unpaid invoices in court.

14.5 Opt-Out. You may opt out of this arbitration agreement by sending a written opt-out notice to info@divineinsurancegroup.com within thirty (30) days of your first purchase. The opt-out must include your name, order number, and a clear statement that you opt out of Section 14. Opt-out does not affect any other Term.

15. Governing Law and Venue

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Subject to Section 14, any action permitted to be brought in court shall be brought exclusively in the state or federal courts located in Philadelphia County, Pennsylvania, and you consent to personal jurisdiction there.

16. Term and Termination

These Terms remain in effect from the time of your first interaction with the store until terminated. Divine may terminate the engagement at any time for any material breach, including non-payment, abusive conduct, or violation of Section 8. Sections 7, 9, 10, 11, 12, 13, 14, 15, and 17 survive termination.

17. Modifications

Divine may update these Terms from time to time. The "Effective Date" reflects the current version. Material changes will be posted on this page; continued use of the store after the Effective Date constitutes acceptance of the updated Terms. Changes do not retroactively apply to purchases completed before the Effective Date of the change.

18. Miscellaneous

Entire agreement: These Terms, together with the Return & Refund Policy, Privacy Policy, Shipping Policy, Subscription Policy, and Legal Notice, constitute the entire agreement between you and Divine.

Severability: If any provision is held unenforceable, the remaining provisions remain in full force.

No waiver: Divine's failure to enforce any provision is not a waiver of its right to do so later.

Assignment: You may not assign your rights or obligations under these Terms without Divine's prior written consent. Divine may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets.

Force majeure: Neither party is liable for delays or failures caused by events outside its reasonable control.

Notices: All notices must be in writing and sent to the email address on file or to Divine's mailing address listed in Section 19.

Headings: Section headings are for convenience only and have no legal effect.

19. Contact

Divine Insurance Group LLC
5536 Pulaski Ave, Philadelphia, PA 19144
(215) 377-9730
info@divineinsurancegroup.com