Terms of Service & Client User Agreement

Effective Date: August 22, 2026

Company: J. Kevin Whitt and Marsha Whitt, doing business as The 14-Word Solution (“Company,” “we,” “us,” or “our”)

Program: The 14-Word Solution: 6-Week Type 2 Diabetes Reversal Program & Associated Services (“Program”)

Acceptance of Terms

By accessing, enrolling in, purchasing, or using the website, client portals, digital materials, curriculum workbooks, private groups, or coaching services provided by The 14-Word Solution, you ("Client," "you," or "your") acknowledge and agree to be bound by these Terms of Service. If you do not agree to these terms, do not access or use our website, program materials, or services.

1. Program Fees, Payment Plans, & Default

1.1. Payment Structure Options

Clients may select from the following payment options upon enrollment:

• Option A (Pay in Full): One single payment of $3,500 USD due immediately upon enrollment.

• Option B (Two-Payment Plan): Two (2) consecutive monthly payments as specified at checkout.

• Option C (Three-Payment Plan): Three (3) consecutive monthly payments as specified at checkout.

1.2. Payment Plan Obligation (Not a Subscription)

Electing a two- or three-payment plan is not a month-to-month subscription, drop-in fee, or pay-as-you-go service. A payment plan is an accommodation allowing you to finance the total Program fee over a designated schedule. By selecting a multi-payment option, you enter into a legally binding contract to pay the full agreed-upon aggregate Program balance in its entirety, regardless of whether you choose to complete the 6-week curriculum, access the materials, or attend live coaching calls.

1.3. Automatic Billing & Failed Payments

By selecting a payment plan, you authorize the Company and its payment processors to automatically bill your credit card, debit card, or designated payment method on the scheduled due dates. In the event of a failed, late, or declined charge:

• Grace Period: You will have three (3) business days to update your billing information and settle the outstanding balance.

• Access Suspension: If a payment remains unpaid after the grace period, your access to coaching calls, private communities, digital workbooks, and support resources will be immediately suspended until the account is brought current.

• Acceleration of Balance: Continued non-payment or failure to cure a default gives the Company the right to accelerate the entire remaining unpaid Program balance, making the full amount immediately due and payable.

• Collections & Recovery: You agree to reimburse the Company for all reasonable collection costs, administrative fees, and attorney’s fees incurred in recovering delinquent balances.

1.4. Strict No-Refund Policy & Chargebacks

The Company operates under a strict, absolute no-refund policy. Because you receive proprietary intellectual property, immediate digital resources, and scheduled expert time upon enrollment, you expressly waive the right to request or receive a refund of any fees paid.

You agree not to initiate fraudulent credit card chargebacks, disputes, or payment reversals. In the event of an improper chargeback, this Agreement will serve as definitive proof of your authorization and agreement to these financial obligations.

2. Scope of Practice, Warranties, & Medical Disclaimers

2.1. Crucial Scope of Practice Boundary

Marsha Whitt (CKNC) and J. Kevin Whitt (SMHP) are metabolic, lifestyle, and nutritional strategists—they are not medical doctors, licensed physicians, or authorized pharmaceutical prescribers.

You explicitly agree never to adjust, alter, decrease, or discontinue any medical prescriptions without the direct consultation and written authorization of your licensed physician.

2.2. Client Responsibility & Behavioral Compliance

Metabolic health transformation requires strict adherence to behavioral protocols. While our biophysical frameworks optimize baseline human physiology, the Company cannot guarantee specific clinical or weight-loss outcomes. You take full, personal responsibility for completing the step-down checklists, monitoring your biological markers, and executing your dietary habits.

2.3. Limitation of Liability

To the maximum extent permitted by law, J. Kevin Whitt, Marsha Whitt, and The 14-Word Solution shall not be liable for any direct, indirect, incidental, consequential, or health-related damages arising from your participation in the Program, implementation of nutritional adjustments, or failure to properly coordinate prescription care with your physician. In all circumstances, our maximum aggregate liability to you is limited strictly to the total dollar amount paid by you to the Company for the Program.

3. Intellectual Property & Confidentiality

3.1. Proprietary Frameworks & Copyright

All curriculum materials, "The 14-Word Solution" frameworks, step-down checklists, workbooks, video briefings, graphic assets, and digital downloads are the exclusive intellectual property of Marsha Whitt and J. Kevin Whitt, protected by United States copyright, trademark, and common law.

Your enrollment grants you a single, non-exclusive, non-transferable, revocable personal-use license. You may not copy, record, transcribe, resell, distribute, share, or publicly disclose any proprietary materials, coaching calls, or weekly step-down documents to third parties.

3.2. Community Privacy

You agree to maintain absolute confidentiality regarding any personal, health, or private disclosures shared by fellow participants within our community forums, group calls, or private messaging channels.

3.3. Testimonials & Shared Metrics

By sharing wins, lab metrics, blood glucose data, weight loss numbers, or testimonials inside our public or private community spaces, you grant the Company permission to share and publish these anonymized or credited results in marketing, educational materials, and case studies.

4. General Legal Provisions

• Governing Law & Exclusive Venue: This Agreement and any disputes arising out of your relationship with the Company shall be governed by and construed under the laws of the State of Ohio, without regard to conflict of law principles. Exclusive jurisdiction and venue for any legal proceeding shall reside in the courts of Clark County, Ohio (or the competent local court serving ZIP code 45341).

• Indemnification: You agree to defend, indemnify, and hold harmless J. Kevin Whitt, Marsha Whitt, and their agents from any third-party claims, liabilities, losses, or legal expenses resulting from your breach of this Agreement, lifestyle choices, or misuse of program content.

• Severability: If any provision of these Terms is found to be unlawful, void, or unenforceable, that specific provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

• Entire Agreement: These Terms constitute the complete understanding between the parties concerning the subject matter herein and supersede all prior verbal or written representations.

Contact Information

For questions regarding billing, payment plans, or these Terms of Service, please contact:

The 14-Word Solution

Marsha Whitt & J. Kevin Whitt

Clark County, Southwest Ohio