VYB Policies & Terms

VYB Privacy Policy

Effective Date: January 1, 2025
Last Updated: January 1, 2025

VYB Collective LLC (“VYB,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or engage with our platform. By accessing or using our services, you acknowledge and accept the terms outlined in this Privacy Policy.

1. Scope & Global Compliance

This Privacy Policy applies to users worldwide and complies with the following laws:

• General Data Protection Regulation (GDPR) (European Union)
• California Consumer Privacy Act (CCPA) (California, USA)
• Lei Geral de Proteção de Dados (LGPD) (Brazil)
• Personal Information Protection and Electronic Documents Act (PIPEDA) (Canada)
• Other applicable international data protection laws

If you are a resident of the European Union (EU), United Kingdom (UK), Canada, Brazil, or other jurisdictions with specific privacy regulations, you may have additional rights regarding your data.

1. Information We Collect

We collect information directly from users, automatically from interactions with our website, and from third parties. The categories of data we collect include:

1. Personal Information You Provide

• Identifiers: Name, email, phone number, mailing address
• Account Information: Username, password, account preferences
• Payment Information: Billing address, payment details (processed securely)
• Communication Data: Messages, support inquiries, surveys
• User-Generated Content: Reviews, comments, feedback

1. Automatically Collected Data

• Device and Technical Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent, links clicked
• Cookies and Tracking Technologies: Web beacons, analytics

1. Third-Party Data Collection

We may collect personal information from third parties such as:

• Social media platforms (Facebook, Instagram, LinkedIn)
• Advertising partners (Google Ads, Meta Ads)
• Payment processors (Stripe, PayPal)

1. How We Use Your Information

We use collected data to:

• Provide, personalize, and improve our services
• Process transactions and deliver digital products
• Communicate with users (support, marketing, updates)
• Ensure security, fraud prevention, and compliance
• Conduct analytics and research to optimize our platform

Lawful Basis for Processing (GDPR)

For users in the European Union and the United Kingdom, we process personal data based on:

• Consent – When you opt-in for emails, cookies, and marketing
• Contractual necessity – To process orders and provide services
• Legal obligations – Compliance with tax, fraud, and security regulations
• Legitimate interests – Improving services, fraud prevention

1. How We Share Information

We do not sell personal information. We may share data with:

1. Service Providers and Third-Party Partners

We work with vendors who assist in:

• Payment processing (e.g., Stripe, PayPal)
• Email marketing (e.g., MailChimp, HubSpot)
• Cloud hosting and security (e.g., AWS, Google Cloud)

1. Legal Compliance and Law Enforcement

We may disclose personal data:

• To comply with legal obligations (subpoenas, court orders)
• To protect our business, customers, or the public

1. Business Transfers

In case of a merger, acquisition, or asset sale, data may be transferred.

1. Your Rights and Choices

Depending on your location, you may have specific privacy rights:

1. GDPR (EU/UK Users)

• Right to Access – Request copies of your personal data
• Right to Rectification – Correct inaccurate information
• Right to Erasure ("Right to Be Forgotten") – Request deletion
• Right to Restriction of Processing – Limit how data is used
• Right to Data Portability – Obtain data in a machine-readable format
• Right to Object – Stop direct marketing or automated decision-making
• Right to Withdraw Consent – Change preferences anytime

To exercise these rights, email [email protected].

1. CCPA (California Users)

• Right to Know – What personal data we collect and share
• Right to Delete – Request data deletion
• Right to Opt-Out – Prevent data from being sold (we do not sell data)
• Right to Non-Discrimination – No penalties for exercising privacy rights

To exercise your rights, visit our CCPA Request Page.

1. LGPD (Brazil Users)

• Right to Confirm Processing
• Right to Correct Inaccurate Data
• Right to Data Portability
• Right to Anonymization (where applicable)

To submit requests, email [email protected].

1. International Data Transfers

VYB is based in the United States. By using our services, you acknowledge that data may be transferred and stored in countries with different privacy laws.

For EU/UK Users:

• We rely on Standard Contractual Clauses (SCCs) for legal data transfers.
• Where required, we implement additional safeguards.

If you do not want your data transferred to the United States, please do not use our services.

1. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Enhance your browsing experience
• Measure website traffic and analytics
• Personalize ads and content

You can manage cookie settings through:

• Browser settings (block or delete cookies)
• Opt-out tools (Your Ad Choices)
• Our Cookie Management Panel (Coming soon)

1. Data Security and Retention

We take reasonable security measures to protect your data:

• Encryption – Payment and sensitive data are encrypted
• Access controls – Restricted data access
• Regular audits – Security assessments and updates

We retain personal data only as long as necessary for legal, contractual, and business purposes.

1. Third-Party Links and External Services

Our website may contain links to third-party sites. We are not responsible for their privacy practices. Please review their privacy policies before sharing data.

1. Children's Privacy (COPPA)

Our services are not intended for children under 13. We do not knowingly collect personal information from minors.

1. Changes to This Privacy Policy

We may update this policy periodically. Significant changes will be posted on our website with a 30-day notice before they take effect.

1. Contact Us

For privacy-related questions or requests, contact:

VYB Collective LLC
5830 E. 2nd St, STE 7000, #21838, Casper, WY 82609
Email: [email protected]
Phone: 307-204-5098

VYB Refund Policy

Effective Date: January 1, 2025
Last Updated: January 1, 2025

VYB Collective LLC ("VYB," "we," "our," or "us") provides digital-only educational content, services, and downloadable materials that are accessed through online streaming, membership-based access, paid sections of our website, and direct downloads. Due to the nature of our offerings, refunds are subject to the following terms and conditions. By making a purchase on our platform, you acknowledge and agree to this Refund Policy.

1. General Refund Policy

Except as otherwise required by applicable law, VYB offers a seven (7) day, 100% money-back satisfaction guarantee for all purchases made at the retail price, provided that the customer has not accessed, downloaded, or used the digital content or services.

Refund eligibility depends on how the digital product or service was accessed:

• Streaming-Based Content (Courses, Training, and Digital Learning Materials)
  • A purchase is non-refundable once the customer logs in and streams or views any portion of the educational material.
  • If the customer has not accessed any streaming content, they may request a full refund within seven (7) days of purchase.
• Membership-Based Access (Subscription-Based Services, Exclusive Paid Areas of the Platform)
  • Some content is available exclusively to paying members.
  • If a member has accessed any exclusive paid areas, refunds are not permitted.
  • If a member has not logged in or accessed any paid content, they may request a refund within seven (7) days of payment.
• Digital Downloads (E-Books, PDFs, Downloadable Courses, Software, or Other Digital Materials)
  • Purchases of downloadable content are final.
  • If the file has not been downloaded, a refund may be requested within seven (7) days of purchase.
  • Once the file has been downloaded, no refunds will be issued.
• Service-Based Digital Purchases (One-Time Digital Services, Access to Specific Tools, Webinars, or Paid Digital Consultations)
  • If the service has not yet been used, a refund may be requested within seven (7) days of purchase.
  • If the service has been initiated or completed, the purchase is non-refundable.

Customers may cancel their membership or subscription at any time, but fees paid beyond the 7-day refund period are non-refundable.

1. Global Compliance & Regional Refund Requirements

Certain jurisdictions provide additional refund rights. The following policies apply in compliance with local laws:

European Union (EU) & United Kingdom (UK) - 14-Day Digital Refund Right

Under the EU Consumer Rights Directive (2011/83/EU) and UK Consumer Contracts Regulations 2013, digital content purchases are eligible for a 14-day withdrawal period, unless the content has already been accessed or downloaded.

• If a customer has not accessed streaming content, paid areas, or downloaded any materials, they may request a full refund within 14 days.
• If the content has been accessed by logging in, streaming, downloading, or using a paid service, the refund right is waived, in compliance with Article 16(m) of the EU Consumer Rights Directive.
• Businesses must clearly inform customers of this before purchase, which VYB does.

Australia – Consumer Guarantees & Refunds

Under Australian Consumer Law (ACL), consumers are entitled to refunds for digital goods that:

• Are faulty, not as described, or do not function as advertised.
• Change substantially after purchase due to VYB’s modifications.

VYB does not provide refunds for change-of-mind purchases after seven (7) days, unless required by Australian law.

Brazil – LGPD Consumer Rights

Under LGPD (Lei Geral de Proteção de Dados), Brazilian consumers have the right to:

• Request refunds for faulty or misrepresented digital products.
• Cancel their purchase within seven (7) days if the product was acquired through remote channels (e-commerce or phone sales), provided they have not accessed the content.

Canada – PIPEDA & Consumer Protection Laws

• Refunds for digital goods are only provided if the product is defective, does not match the description, or violates consumer rights.
• Consumers in Quebec may have additional refund rights under local law.

1. Refund Process

Refund requests must be submitted within the eligible refund period via [email protected].

1. Refund Eligibility Criteria

To qualify for a refund, customers must:

• Submit a request within the allowed timeframe based on their location.
• Provide proof of purchase (order number and email associated with the account).
• Confirm that they have not accessed, streamed, downloaded, or used any portion of the digital content or services.
• Acknowledge that once any content has been accessed, downloaded, or a paid service has been used, no refund is available.

1. Processing Time & Payment Method

• Refunds will be issued to the original payment method used for purchase.
• All refunds are processed in U.S. dollars (USD).
• International customers acknowledge that currency conversion rates and transaction fees may affect the refunded amount.

VYB is not responsible for exchange rate fluctuations or international transaction fees charged by banks or payment providers.

1. Chargebacks & Fraud Prevention

Customers who dispute transactions by filing chargebacks may have their accounts suspended or terminated.

• A chargeback will result in immediate account suspension pending investigation.
• Multiple chargeback attempts may result in permanent account termination.
• Fraudulent chargebacks, including disputes over valid purchases, will be reported to the relevant financial authorities.

If there are suspicious refund patterns linked to multiple accounts, VYB reserves the right to investigate before issuing any refund.

1. Exceptions & Non-Refundable Items

VYB does not issue refunds under the following circumstances:

• If digital content has been accessed, streamed, downloaded, or used (except in cases of defective or misrepresented products).
• Beyond the stated refund period (7 days standard, 14 days for EU/UK consumers in certain cases).
• For promotional or discounted purchases, unless required by law.
• If the product or service has been modified, altered, or bundled with other offerings.

1. Future Digital Products & Services Clause

This Refund Policy applies to all current and future digital offerings, including but not limited to:

• Online streaming courses and educational content
• Membership-based digital access
• Exclusive paid sections of the platform
• Downloadable files such as e-books, PDFs, software, or training materials
• One-time digital services or interactive tools

Any future digital products or services released by VYB will be covered under this Refund Policy, with modifications applied as necessary for compliance with local regulations.

1. Contact Information

For refund requests or further inquiries, contact:

VYB Collective LLC
5830 E. 2nd St, STE 7000, #21838
Casper, WY 82609

Email: [email protected]
Phone: 307-204-5098

VYB Digital Delivery & Access Policy

Effective Date: January 1, 2025
Last Updated: January 1, 2025

VYB Collective LLC ("VYB," "we," "our," or "us") provides digital-only products and services, including streaming educational content, memberships, downloadable materials, and paid-access platform features. This policy explains how digital purchases are delivered, accessed, and supported.

For all inquiries, contact:

VYB Collective LLC
5830 E. 2nd St, STE 7000, #21838
Casper, WY 82609

Email: [email protected]
Phone: 307-204-5098

1. Delivery of Digital Products & Services

All VYB products and services are delivered electronically. There are no physical shipments associated with any purchase.

1. Digital Access Types

• Streaming Content (Courses, Training, Learning Materials) – Available immediately after purchase. Customers must log in to view content. Once streaming has begun, the purchase is final and non-refundable.
• Membership-Based Access (Subscriptions, Exclusive Platform Areas) – Content and services are accessible only while the membership is active. Refunds follow our Refund Policy guidelines.
• Downloadable Digital Content (E-Books, PDFs, Course Materials, Software, or Other Files) – Available via customer accounts or email. Once a file has been downloaded, it is non-refundable.
• One-Time Digital Services (Webinars, Live Training, Digital Consulting, or Other Paid Services) – Access details are sent via email. Refund eligibility is subject to the Refund Policy.

1. Delivery Timeframes & Access Issues

• Immediate Access: Digital purchases are available instantly after payment.
• Scheduled Services: Access details will be sent at least 24 hours before the scheduled event.
• Delayed Access Issues: If content is not available, check your email (including spam/junk folders) and log in to your VYB account. If issues persist, contact [email protected].

1. System Requirements & Compatibility

Customers are responsible for ensuring their devices and internet connections meet the necessary requirements for accessing VYB’s digital products.

• Streaming requires a stable internet connection (5 Mbps or higher recommended).
• Downloadable content is provided in standard formats (PDF, EPUB, MP4, etc.). Customers must have the appropriate software to open these files.
• VYB is not responsible for purchases made on incompatible devices.

1. Account Security & Unauthorized Access

• Each purchase is tied to a single user account.
• Customers must not share login credentials or allow unauthorized access.
• VYB reserves the right to suspend or terminate accounts found violating these terms.
• If an account is compromised, contact [email protected] immediately.

1. Refund & Chargeback Policy

All purchases are subject to the VYB Refund Policy.

• Refunds will not be granted if the content has been streamed, accessed, or downloaded.
• Chargeback fraud will result in immediate account suspension and may be reported to financial institutions.

For full refund terms, refer to the VYB Refund Policy.

1. Future Digital Products & Services Clause

This policy applies to all current and future digital offerings, including but not limited to:

• Online streaming courses and educational content
• Membership-based digital access
• Exclusive paid sections of the platform
• Downloadable files such as e-books, PDFs, software, or training materials
• One-time digital services or interactive tools

Future digital products and services will follow the same principles outlined in this policy. For assistance with digital access issues, please contact us at [email protected].

VYB Income Disclosure Statement

Effective Date: January 1, 2025
Last Updated: January 1, 2025

VYB is committed to transparency and ensuring that all participants have a clear understanding of the potential income opportunities associated with our platform. As VYB is in the pre-launch phase, there is currently no historical income data available to provide averages or projections regarding earnings.

Earnings Disclaimer

VYB does not guarantee any level of income or financial success. The income potential of any participant is dependent on a variety of factors, including but not limited to:

• Individual effort and engagement – Consistency, networking, and business development efforts play a significant role in earnings.
• Skills and experience – Prior sales experience, marketing skills, and leadership abilities may impact results.
• Market conditions – Demand for products and services varies and can influence earnings potential.
• Time investment – Earnings are often correlated with the amount of time and energy dedicated to building a business.
• Business expenses – Participants may incur costs for marketing, training, product purchases, travel, and other business-related expenses that can affect net earnings.

Because we have not yet launched, there is no average earnings data to present at this time. This income disclosure will be updated periodically as more data becomes available.

No Guaranteed Earnings

Participation in VYB does not ensure any level of financial success. Many participants may earn little to no income, and some may spend more on expenses than they generate in earnings. Success requires effort, strategy, and time, and results will differ for each individual.

Any income examples provided in marketing materials, testimonials, or training sessions are purely illustrative and should not be interpreted as a guarantee of earnings. Individual results will depend on the factors mentioned above.

Participant Expenses

Involvement in VYB may include various costs, including:

• Marketing and advertising expenses (social media ads, printed materials, sponsored content, etc.).
• Product purchases (if applicable).
• Training, coaching, or educational materials.
• Technology and tools (such as personal websites, software, or other business tools).
• Travel and event costs (if participating in business-building activities).

Participants should carefully evaluate all potential costs before deciding to engage with VYB.

Compliance and Misrepresentation Policy

To maintain integrity and compliance, all participants must adhere to the following guidelines when discussing income potential:

• No misleading or exaggerated income claims. Any statement suggesting that high earnings are typical is strictly prohibited.
• No guarantees of financial success. Success varies and is based on effort, skill, and external factors.
• No misleading recruitment practices. Recruiting new participants should be based on accurate and honest information, not promises of wealth or quick earnings.
• Full transparency in presentations and marketing. Any discussion of potential earnings must reference this Income Disclosure Statement and reflect realistic expectations.

Failure to comply with these guidelines may result in disciplinary action, including suspension or termination of a participant’s account.

Periodic Updates and Reporting

This Income Disclosure Statement will be reviewed and updated regularly as more participants engage with VYB and income data becomes available. Updates will include aggregate earnings data to provide a more detailed and transparent picture of what participants can expect.

For now, potential participants should consider all aspects of the opportunity, including time commitment, expenses, and market conditions, before making a decision.

Acknowledgment

By engaging with VYB, you acknowledge that:

• You have read and understand this Income Disclosure Statement.
• You recognize that earnings are not guaranteed and depend on multiple factors.
• You accept responsibility for conducting your own research and financial planning before committing to participation.

For any questions or further clarification regarding earnings, expenses, or participation, please contact VYB at:

VYB Collective LLC
5830 E. 2nd St, STE 7000 #21838
Casper, WY 82609

Email: [email protected]
Phone: 307-204-5098