Terms of service

TERMS OF SERVICE

Last Updated: October 5, 2026

These Terms of Use (“Terms”) are entered into by and between Thryve LLC (“Thryve,” “Company,” “we,” “us,” or “our”), and you, any user, visitor, or purchaser (“you,” “your,” or “User”) of jointhryve.co, any related subdomains, content, products, services, membership portals, events, and programs (collectively, the “Site” or “Services”).

By accessing or using our Services, placing an order, purchasing a product, joining a Thryve program, or otherwise interacting with Thryve, you agree to these Terms. If you do not agree to these Terms, please do not use our Services.

These Terms apply to all visitors, customers, members, affiliates, contributors, and other users of our Services.

1. ABOUT THRYVE

Thryve is a behavioral-change financial wellness company focused on helping women build greater self-trust, healthier financial behaviors, and greater agency in their financial lives.

Our products and experiences may include financial wellness journals, educational content, guided Money Dates, community experiences, workshops, assessments, digital resources, professional resources, and other financial wellness tools.

Thryve is not a bank, investment adviser, broker-dealer, law firm, accounting firm, or mental health practice.

2. USING OUR SERVICES

You agree to use the Services only for lawful purposes and in accordance with these Terms.

You must not:

Use the Services for any unlawful or fraudulent purpose.
Attempt to interfere with or disrupt the operation or security of the Services.
Access or use another person's account without authorization.
Copy, reproduce, distribute, modify, sell, or exploit Thryve content or intellectual property without our written permission.
Use automated systems, bots, scraping tools, or other methods to access or collect content from the Services in a manner that is not authorized by us.
Submit content that is unlawful, defamatory, threatening, abusive, obscene, fraudulent, or otherwise inappropriate.
Impersonate another person or misrepresent your relationship with Thryve.

We reserve the right to refuse service, restrict access, suspend accounts, or terminate participation in our Services when we reasonably believe these Terms or applicable law have been violated.

3. PRODUCTS, ORDERS, AND PRE-ORDERS

We offer physical products and, from time to time, digital products, memberships, events, and other Services.

Product descriptions, photographs, pricing, availability, dimensions, colors, materials, and other information are provided for general informational purposes and may change without notice.

We reserve the right to:

Limit quantities available for purchase.
Refuse or cancel an order.
Correct pricing or product information errors.
Modify or discontinue products.
Update product specifications or availability.

Pre-Orders

When you place a pre-order, you are purchasing a product that is scheduled to ship at a future date identified on the product page or at checkout.

Estimated shipping dates are provided in good faith and may change due to manufacturing, supply chain, shipping, weather, or other circumstances outside our reasonable control.

If a significant change affects your pre-order, we will make reasonable efforts to communicate the change and provide any remedies required by applicable law.

4. PRICING AND PAYMENT

All prices are displayed in U.S. dollars unless otherwise stated.

Prices may change at any time, but changes will not affect an order that has already been accepted and paid for, except where an order must be corrected because of an obvious pricing or information error.

You authorize us and our payment processors to charge the payment method provided at checkout for the total amount of your purchase, including applicable taxes, shipping charges, and other disclosed fees.

We use third-party payment processors and Shopify to facilitate transactions. We do not directly store complete payment card information.

5. SHIPPING AND DELIVERY

Shipping options, estimated delivery times, and applicable shipping charges will be presented during checkout or on the applicable product page.

We are not responsible for delays caused by carriers, customs, weather, natural disasters, labor disruptions, incorrect addresses, or other circumstances outside our reasonable control.

For international orders, you are responsible for any applicable customs duties, import taxes, brokerage fees, or other charges imposed by the destination country unless otherwise stated.

6. RETURNS, REFUNDS, AND EXCHANGES

Our return, refund, and exchange policies are incorporated into these Terms by reference.

Please review our [Return & Refund Policy] for current eligibility requirements, timeframes, exclusions, and instructions.

Nothing in these Terms limits any rights you may have under applicable consumer protection laws.

7. THRYVE FINANCIAL WELLNESS CLUB™

Certain Thryve purchases may include membership or access to the Thryve Financial Wellness Club™.

Club benefits, programming, access, events, content, and other features may change over time as the Club evolves.

Unless otherwise stated, Club membership does not constitute individualized financial, investment, tax, legal, or mental health advice.

Thryve may use third-party professionals, including CFP® professionals and financial therapists, in connection with certain educational programs, events, resources, or experiences. Any professional services provided by an independent professional are subject to that professional's own terms, disclosures, and professional obligations.

We reserve the right to modify, suspend, or discontinue any Club feature or benefit.

8. FINANCIAL WELLNESS DISCLAIMER

Thryve provides financial wellness education, behavioral tools, educational resources, and general information.

Nothing provided through our Services is intended to constitute individualized investment, financial planning, tax, accounting, legal, or mental health advice.

Information provided through the Services should not be relied upon as a substitute for advice from a qualified professional who understands your individual circumstances.

Thryve does not guarantee any particular financial outcome.

Financial decisions involve risk. You are solely responsible for your financial decisions and should seek appropriate professional advice when necessary.

When you interact directly with an independent financial professional, financial therapist, or other specialist through a Thryve program or resource, that professional is responsible for the services they provide and any advice they give.

9. AFFILIATE PROGRAM

Thryve may offer an affiliate program for approved creators, coaches, educators, community leaders, and other partners.

Approved affiliates may receive commissions for qualifying purchases made through their unique referral links, subject to the applicable affiliate program terms.

The current commission rate, referral window, payout requirements, qualifying transactions, exclusions, and other program details will be provided to approved affiliates.

Affiliates must accurately represent Thryve and may not make misleading, deceptive, unsupported, or unauthorized claims about our products or Services.

Affiliates must comply with all applicable advertising, disclosure, privacy, and marketing laws and regulations.

We reserve the right to approve, suspend, or terminate an affiliate relationship at our discretion for violations of these Terms, the affiliate program terms, or applicable law.

10. MOBILE MESSAGE SERVICE TERMS & CONDITIONS

If you opt in to receive text messages from Thryve, you agree to receive recurring SMS or MMS messages from or on behalf of Thryve at the mobile telephone number you provide.

Messages may include information about your orders, products, pre-orders, account, events, programs, promotions, educational content, or other Thryve communications for which you have provided consent.

Message frequency may vary.

Message and data rates may apply depending on your mobile carrier and plan. Thryve does not charge a separate fee for text messages, but your carrier may.

You may opt out of marketing text messages at any time by replying STOP to a Thryve text message. After you send STOP, you may receive one final message confirming that your request has been received. You will not receive additional marketing messages unless you separately opt in again.

You may opt out by text at any time. Opting out of marketing text messages does not necessarily opt you out of transactional or service-related communications that are necessary to fulfill an order or provide a service, where permitted by law.

Your consent to receive text messages is not a condition of purchasing any product or Service.

If your mobile number changes, you are responsible for updating your information and notifying us if necessary.

You represent that you are the account holder or authorized user of the mobile telephone number you provide and that you have authority to consent to receive messages at that number.

Thryve is not responsible for messages that are delayed or undelivered due to circumstances outside our control, including carrier or network failures.

11. ERRORS, INACCURACIES, AND OMISSIONS

From time to time, information on our website or in our Services may contain typographical errors, inaccuracies, omissions, or other errors relating to product descriptions, pricing, availability, promotions, shipping information, or other content.

We reserve the right to correct any errors, inaccuracies, or omissions and to update or change information at any time without prior notice.

If an error materially affects an order you have placed, we may contact you to provide available options, including correcting the order, cancelling the order, or providing a refund where appropriate.

We do not undertake an obligation to update all information on the Services, except as required by applicable law.

12. USER COMMENTS, FEEDBACK, REVIEWS AND OTHER SUBMISSIONS

If you submit comments, feedback, reviews, testimonials, photographs, videos, ideas, suggestions, or other content to Thryve (“Submissions”), you grant Thryve a non-exclusive, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, distribute, display, and otherwise use your Submissions in connection with our business and marketing, subject to applicable law and our Privacy Policy.

You represent that:

You own or have the necessary rights to submit the content.
Your Submission does not violate the rights of another person or entity.
Your Submission does not contain unlawful, defamatory, abusive, or misleading material.
Your Submission does not contain confidential information that you do not have permission to disclose.

You should not submit sensitive financial, medical, health, account, password, or other confidential information through public review or comment areas.

We reserve the right, but not the obligation, to remove or decline to publish any Submission.

Nothing in this section requires Thryve to publish or use any Submission.

13. INTELLECTUAL PROPERTY

All content included in or made available through the Services, including trademarks, logos, graphics, photographs, illustrations, product designs, written content, videos, audio, educational materials, frameworks, assessments, templates, downloads, and other materials, is owned by or licensed to Thryve and is protected by applicable intellectual property laws.

This includes, without limitation, the Thryve name, Thryve Financial Wellness Club™, Money Date™, R.O.E.™, and other Thryve names, concepts, marks, and branded materials.

You may use our content for your personal, non-commercial use unless we expressly authorize another use in writing.

You may not reproduce, distribute, modify, create derivative works from, publicly display, sell, license, or commercially exploit Thryve intellectual property without our prior written permission.

14. THIRD-PARTY SERVICES AND LINKS

Our Services may contain links to third-party websites, applications, professionals, products, services, or resources.

Thryve does not control and is not responsible for the availability, accuracy, privacy practices, security, or content of third-party services.

Your use of third-party services is subject to the terms and policies of those third parties.

A link or reference does not necessarily constitute an endorsement, recommendation, or guarantee by Thryve.

15. PRIVACY

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

Our Privacy Policy is incorporated into these Terms by reference.

16. DISCLAIMERS

To the fullest extent permitted by applicable law, the Services and all content, products, and resources provided through them are provided on an “as is” and “as available” basis.

We do not guarantee that:

The Services will always be available or uninterrupted.
The Services will be error-free or secure.
Information provided through the Services will always be complete, accurate, or current.
Any particular financial, behavioral, personal, professional, or business outcome will result from using our products or Services.

Nothing in these Terms excludes or limits any warranty, right, or protection that cannot lawfully be excluded or limited under applicable law.

17. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Thryve and its owners, officers, directors, employees, contractors, affiliates, service providers, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your use of the Services, products, or content.

To the fullest extent permitted by law, our total liability arising out of or relating to the Services will not exceed the amount you paid to Thryve for the product or Service giving rise to the claim during the twelve months preceding the event giving rise to the claim.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

18. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Thryve and its owners, officers, directors, employees, contractors, affiliates, service providers, and representatives from claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

Your violation of these Terms.
Your misuse of the Services.
Your violation of applicable law.
Your infringement or violation of another person's rights.
Content or Submissions you provide to Thryve.

19. TERMINATION

We may suspend or terminate your access to the Services, membership programs, affiliate programs, or other Thryve offerings if we reasonably believe you have violated these Terms or applicable law.

You may stop using the Services at any time.

Sections that by their nature should survive termination will remain in effect, including provisions relating to intellectual property, disclaimers, limitations of liability, indemnification, disputes, and user Submissions.

20. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Any dispute arising out of or relating to these Terms or the Services will be resolved in the state or federal courts located in Pinellas,Florida unless applicable law requires otherwise.

21. CHANGES TO THESE TERMS

We may update these Terms from time to time.

When we make changes, we will update the “Last Updated” date at the top of this page. Changes become effective when posted unless otherwise stated.

Your continued use of the Services after updated Terms are posted constitutes your acceptance of the revised Terms to the extent permitted by law.

22. SEVERABILITY

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the fullest extent permitted by law, and the remaining provisions will remain in full force and effect.

23. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any additional terms or policies expressly incorporated by reference, constitute the agreement between you and Thryve regarding your use of the Services.