Terms

Terms of Use and Conditions

Terms of Use and Conditions
Last updated: November 24, 2025

These Terms of Use and Conditions (“Terms”) govern your access to and use of:

including all related subdomains, membership areas, learning portals, events, coaching spaces, and any online platforms we operate (together, the “Sites”) as well as all content, products, memberships, courses, events, and services offered through the Sites (together, the “Services”).

The Sites and Services are operated by Jack and Paula Curtis LLC and Because of the Horse LLC, doing business as Because of the Horse, Art of the Horseman, and The Online Horse Fair (collectively, “Company”, “we”, “us” or “our”).

By accessing or using the Sites or Services in any way, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Sites or Services.

1. Eligibility

By using the Sites or Services, you represent and warrant that:

You are at least 18 years of age, or you are accessing under the supervision and with the consent of a parent or legal guardian who agrees to these Terms on your behalf, and
You have the legal capacity to enter into these Terms.

If you do not meet these requirements, you may not use the Sites or Services.

2. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Sites or Services after changes become effective means that you accept the updated Terms.

If you do not agree with the updated Terms, you must stop using the Sites and Services.

3. Our Services

Our Services include, but are not limited to:

Online horse fairs and virtual events
Membership programs and video libraries
Online courses, workshops, and clinics
Coaching, mentoring, and educational content
Digital and physical products such as books, journals, and educational materials
Social media communities, forums, and groups associated with our brand

We reserve the right to modify, suspend, or discontinue any part of the Sites or Services at any time without notice.

4. No professional advice and assumption of equine risk

Our content is educational and informational. It is not professional advice and does not create a professional-client, veterinarian-client, doctor-patient, or legal-client relationship.

Specifically:

We do not provide veterinary, medical, legal, or financial advice.
We do not provide individualized training prescriptions, diagnoses, or guarantees of results.
Any demonstrations, exercises, training methods, mindset tools, or wellness suggestions are general in nature and may not be appropriate for you, your horse, or your circumstances.

Horses and riding are inherently risky. Horse activities can result in serious injury, property damage, or death. Horses can be unpredictable even in familiar environments.

By using the Sites or Services, you:

Understand and acknowledge the inherent risks of handling, training, riding, and working around horses
Agree that you are solely responsible for evaluating and applying any information from the Sites or Services
Agree to use appropriate safety equipment, supervision, and facilities suitable for your and your horse’s experience and condition
Agree to consult qualified professionals (such as trainers, veterinarians, or healthcare providers) before acting on information that may affect your or your horse’s health or safety

You use all information, demonstrations, and content from our Sites and Services entirely at your own risk.

5. Accounts and security

To use certain parts of the Sites or Services, you may be required to create an account.

You agree to:

Provide accurate, current, and complete information
Keep your login credentials confidential and not share them with others
Notify us immediately at [email protected] if you suspect unauthorized use of your account

You are responsible for all activities that occur under your account.

We reserve the right to suspend, restrict, or terminate any account at our discretion if we believe there is a violation of these Terms, risk of fraud, or other misuse.

6. Purchases, payments, and billing

When you purchase any product, course, membership, event, or service (a “Purchase”) via the Sites or through our checkout systems:

You agree to provide current, complete, and accurate billing and contact information.
You represent that you are authorized to use the payment method you provide.
You authorize us and our payment processors to charge your payment method for the total amount of your Purchase, including any applicable taxes.

We may use third-party payment processors to handle transactions. Their terms and privacy policies apply to your use of their services.

We reserve the right to:

Refuse or cancel any order, including for suspected fraud, errors in pricing or product descriptions, or other reasons
Correct any errors or inaccuracies in pricing or product information at any time

7. Subscriptions, membership, and trials

Some Services are offered on a subscription or membership basis, which may include trial periods or introductory pricing. The specific terms for each subscription or membership will be presented at checkout and are incorporated into these Terms.

Unless otherwise stated:

Subscriptions automatically renew at the end of each billing period at the then-current rate until cancelled.
You authorize us to charge your payment method on a recurring basis for the subscription fees.
You may cancel a subscription by following the instructions in your account dashboard or by emailing [email protected] with “Cancel My Subscription” in the subject line.

If a trial period is offered:

You will be charged at the end of the trial period unless you cancel before the trial ends.
Trial offers may be limited to new or certain former members, and we may determine eligibility in our sole discretion.

Please refer to the specific offer terms and your receipt for details about your particular membership or subscription.

8. Refunds

We may offer refunds for certain products or services as specified on the relevant sales or checkout page. If a specific offer includes a money-back guarantee or refund period, those terms will apply and are incorporated into these Terms.

Unless otherwise stated on the offer page:

Refunds must be requested within the stated guarantee or refund period.
To request a refund, email [email protected] with your name, email address, and order details.
For physical products, you may be required to return the product and any included bonuses in resalable condition, at your expense, before a refund is processed.
Shipping and handling charges, if any, are typically non-refundable.

We reserve the right to deny a refund if:

The request is made after the refund period ends, or
There is evidence of misuse, abuse of the refund policy, or violation of these Terms.

Individual products, events, or memberships may have different or stricter refund policies, which will control over this section if there is a conflict.

9. Community guidelines and social media groups

We host communities, social media groups, and forums associated with our brand. To keep those spaces safe and constructive, you agree that you will not:

Post abusive, hateful, harassing, or defamatory content
Post content that is illegal, obscene, or harmful
Post spam, commercial advertising, or solicitations not explicitly authorized by us
Post graphic or disturbing images or videos
Disclose personal information of others without their consent
Share confidential content from paid courses, memberships, or events outside the intended audience

If you have questions about your membership or a purchase, contact us directly at [email protected] instead of posting account or billing issues in public groups.

We may remove any content and may suspend or remove users from communities if we determine there is a violation of these guidelines or these Terms.

10. Intellectual property

All content on the Sites and within the Services, including but not limited to:

Text, graphics, logos, images, videos, audio, and course materials
Layouts, designs, look and feel, and user interfaces
Trademarks, service marks, and trade names

is owned by or licensed to Company and is protected by copyright, trademark, and other intellectual property laws.

You may:

Access and view the content for your personal, non-commercial use as a student or participant, subject to these Terms.

You may not:

Copy, reproduce, distribute, publish, transmit, modify, create derivative works of, publicly display, or exploit any content without our prior written permission
Remove or alter any copyright, trademark, or other proprietary notices

Nothing in these Terms grants you any license or right to use our trademarks or other intellectual property except as expressly allowed.

11. User-generated content and license

If you post, upload, or submit any content to the Sites or our communities (“User Content”), you:

Represent that you own or have the necessary rights to share that content, and
Grant Company a non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, publish, display, and distribute your User Content in connection with operating and promoting the Sites and Services, in any media now known or later developed.

We may, but are not obligated to, monitor, edit, or remove User Content at our discretion.

You are solely responsible for your User Content and for any consequences of sharing it.

12. Disclaimers of warranties

The Sites and Services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Company and its owners, officers, directors, employees, agents, contractors, licensors, and affiliates disclaim all warranties of any kind, express or implied, including but not limited to:

Warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy, reliability, or completeness of content
That the Sites or Services will be uninterrupted, secure, or error-free

We do not guarantee any particular outcome or result from your use of the Sites, Services, or any information they contain.

You are solely responsible for your use of the Sites and Services and for any decisions or actions you take based on the information you receive.

13. Limitation of liability

To the fullest extent permitted by law:

Company and its owners, officers, directors, employees, agents, contractors, licensors, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of or inability to use the Sites or Services, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claim arising out of or related to the Sites, Services, or these Terms shall not exceed the amount you paid to us for the Services in the twelve months preceding the event giving rise to the claim, or one hundred United States dollars (USD 100), whichever is greater.

Because some jurisdictions do not allow the exclusion or limitation of certain damages, some of the above limitations may not apply to you. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

14. Release, assumption of risk, and hold harmless

In addition to the assumptions of risk described above, and to the maximum extent allowed by law, you:

Assumption of risk
- Acknowledge that equine activities and related physical activities are inherently risky and can result in serious injury, death, or property damage.
- Voluntarily assume all risks arising from your use of any information, exercises, demonstrations, or training concepts contained in or referenced by the Sites or Services.
Release and waiver
- Release and forever discharge Company, its owners, officers, directors, employees, agents, contractors, licensors, affiliates, and successors from any and all claims, demands, causes of action, damages, or liabilities, known or unknown, arising out of or related to your use of the Sites or Services, your participation in any related activities, or your application of any information obtained from us, except to the extent such release is prohibited by applicable law.
Indemnity and hold harmless
- Agree to indemnify, defend, and hold harmless Company and its owners, officers, directors, employees, agents, contractors, licensors, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
  - Your use of the Sites or Services
  - Your horse-related activities influenced by our content
  - Your violation of these Terms or any law
  - Your infringement of any third-party rights

If you participate in in-person, and online events, clinics, or activities sponsored by us, you may be required to sign a separate written waiver. In the event of a conflict between that document and these Terms, the signed in-person waiver will usually control for the in-person activity.

15. Third-party websites and services

The Sites may contain links to third-party websites, services, or resources that we do not own or control.

We are not responsible for:

The content, policies, or practices of any third parties
Any products or services offered by third parties

You access third-party sites at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

16. Termination

We may suspend or terminate your access to the Sites or Services, at our discretion, if we believe you:

Violated these Terms
Misused the Sites or Services
Engaged in fraud, abuse, or harmful conduct

You may stop using the Sites and Services at any time. Sections of these Terms that by their nature should survive termination will remain in effect, including intellectual property, disclaimers, limitations of liability, releases, and indemnity.

17. Governing law and jurisdiction

These Terms and any disputes arising from them or your use of the Sites or Services shall be governed by and interpreted in accordance with the laws of the State of Florida, United States, without regard to its conflict of laws principles.

You agree that any legal action or proceeding between you and Company relating to these Terms or the Sites or Services shall be brought exclusively in the state or federal courts located in Suwannee County, Florida, and you consent to the personal jurisdiction of those courts.

If you are a consumer in a jurisdiction that requires disputes to be heard in your local courts or under your local law, these jurisdictional provisions apply only to the extent permitted by that law.

18. Miscellaneous

Entire agreement: These Terms, together with our Privacy Policy and any additional terms presented at the time of purchase, constitute the entire agreement between you and us regarding the Sites and Services.
Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.
No waiver: Our failure to enforce any right or provision shall not be considered a waiver of that right or provision.
Assignment: You may not assign these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms at any time as part of a sale, merger, or other transfer of our business.

19. Contact

If you have questions about these Terms, please contact us:

Email: [email protected]
Phone: 262-323-1102