TERMS AND CONDITIONS

Camp Chieflings
www.chieflings.com

Last Updated: May 2026

1. ACCEPTANCE OF TERMS

By accessing, browsing, or using the Camp Chieflings website and platform (the “Service”), including but not limited to our membership programs, digital products, print-on-demand products, and related services, you (the “User,” “Member,” or “you”) agree to be bound by these Terms of Service (the “Terms”). If you do not agree to these Terms in their entirety, you may not access or use the Service.

Camp Chieflings (“we,” “us,” “our,” or “Company”) reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the Service following notification of changes constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

2. SERVICE DESCRIPTION

2.1 Platform Overview

Camp Chieflings is a faith-based personal and professional development platform offering:

• Membership Programs: Digital membership access (CHILD and CHIEF tiers) providing access to educational content, newsletters, learning tools, and community features
• Digital Products: E-books, guides, affirmation cards, book summaries, courses, and other downloadable content
• Print-on-Demand Products: Customized physical products manufactured and shipped based on user orders
• Community Features: Forums, discussions, and networking opportunities (availability varies by membership level)
• Educational Resources: Blog content, Bible studies, case studies, prayers, quotes, and professional development materials

2.2 Faith-Based Nature of Service

Camp Chieflings is explicitly designed as a faith-based platform for Christian professionals. Our content is informed by Christian principles and biblical perspectives. We make no representation that all content will be universally applicable to users of different faith traditions. Users acknowledge they are engaging with faith-based educational and developmental content.

2.3 No Professional Advice

The Service provides educational and informational content only. Content available through the Service is not intended to constitute professional, legal, financial, medical, psychological, or theological advice. Users should not rely exclusively on information from the Service for professional decision-making. We strongly encourage you to:

• Consult qualified professionals (therapists, counselors, financial advisors, legal counsel, medical doctors) before making significant personal or professional decisions
• Verify information independently through credible sources
• Use critical judgment in applying any principles or information shared on the platform
• Recognize that personal development is a journey requiring professional guidance when appropriate

3. MEMBERSHIP TERMS

3.1 Membership Levels

CHILD Membership (Free)

• Basic access to selected resources
• Basic site engagement features
• Access to basic newsletters
• Display ads visible on platform

CHIEF Membership ($19/month or $227.88/year)

• All CHILD features plus:
• Premium newsletter access
• Ad-free browsing experience
• Unlimited access to premium publications
• Access to AI learning tools
• Access to exclusive promo discounts
• Enhanced site engagement features

3.2 Membership Activation

Membership becomes active upon successful payment processing. If you are creating a free CHILD membership account, access begins immediately upon account creation and email verification. You will receive a confirmation email detailing your membership level and access instructions.

3.3 Billing and Payment

All monetary transactions are processed through Paystack (our payment processor) and are subject to their terms and conditions. By providing payment information, you authorize Camp Chieflings and Paystack to charge your chosen payment method.

Billing Cycle: Paid memberships (CHIEF) are billed either monthly or annually based on your selection at checkout. Your billing date is the same day each month (or the last day of the month if applicable) or anniversary date for annual plans.

Payment Authorization: You authorize the Company to charge your payment method for the membership fee and any applicable taxes. If payment fails, we will attempt to process the charge again. If payment continues to fail after reasonable attempts, your membership will be cancelled.

Currency and Taxes: Prices are displayed in USD or local currency as applicable. You are responsible for any applicable taxes, duties, or governmental charges. The Company will remit sales tax where required by law.

3.4 Membership Cancellation

You may cancel your membership at any time without penalty or additional justification required.

Cancellation Process:

• Log into your account and navigate to your Membership Account page
• Select the “Cancel Membership” option
• Confirm your cancellation request

Timing of Cancellation:

• Cancellations take effect at the end of your current billing period
• You will retain full access to all membership benefits through the end of your paid billing period
• No refunds will be issued for partial billing periods
• Upon expiration, your membership level will revert to CHILD (free)

For Recurring Subscription Cancellations: When you initiate cancellation, your recurring payment subscription is immediately cancelled at the payment gateway level. However, you maintain access to your membership level through the end of your current billing cycle.

No Automatic Renewal After Cancellation: Once your current billing period ends, your membership will automatically expire and revert to CHILD level. You will not be charged for renewal.

3.5 Account Suspension and Termination

Camp Chieflings reserves the right to suspend or terminate a membership account if:

• Payment information becomes invalid and cannot be updated
• The account is used in violation of these Terms or applicable law
• There is evidence of fraudulent activity
• The account is engaged in harassment, abuse, or prohibited conduct
• The account violates the Community Guidelines or Code of Conduct

In cases of suspension or termination for cause, we will make reasonable efforts to notify you of the reason. Account suspension does not entitle you to a refund of any prepaid membership fees.

3.6 Membership Modifications

Camp Chieflings reserves the right to:

• Modify membership tier benefits at any time
• Adjust membership pricing with 30 days’ notice to existing members
• Introduce new membership tiers
• Discontinue membership levels with 60 days’ notice

Existing members will not experience price increases for their current billing period. Price changes take effect at the time of your next renewal.

4. DIGITAL PRODUCTS

4.1 Digital Product License

Upon purchase of a digital product, you receive a limited, non-exclusive, non-transferable license to access and use the product for your personal, non-commercial use only. The Company retains all intellectual property rights in the digital products.

4.2 Permitted Uses

You may:

• Download and save digital products for your personal reference
• Print digital products for personal use
• Share key learnings or principles from products in your own original communications
• Use products as tools for your personal development

You may not:

• Redistribute, resell, or republish digital products
• Share download links, files, or access credentials with others
• Create derivative works based on the digital products
• Use products for any commercial purpose without explicit written permission
• Post full copies of products online or on social media
• Share products in bulk with groups (membership provides legitimate group access)

4.3 Digital Product Quality

Camp Chieflings makes reasonable efforts to ensure that digital products are free from malware and display correctly on standard devices. However, the Company makes no warranty regarding:

• Compatibility with specific devices or software versions
• Absence of errors or omissions in content
• Fitness for specific purposes
• Uninterrupted access or availability

Digital products are provided “as-is” without warranties. Some content may become outdated over time. The Company is not responsible for ensuring all information remains current or universally applicable.

4.4 Access and Delivery

• Digital Products: Upon purchase and successful payment, you will receive an email with download links and access instructions
• Delivery Method: Products are delivered via email and/or account portal access
• Re-download: You may re-download purchased digital products from your account for 24 months after purchase
• No Physical Shipment: Digital products are electronic only and are not physically mailed

5. PRINT-ON-DEMAND PRODUCTS

5.1 Print-on-Demand Ordering

Camp Chieflings offers select products through print-on-demand manufacturing (the “POD Products”). These products are manufactured to order by third-party POD providers and are subject to these Terms as well as the print-on-demand provider’s terms.

5.2 Specifications and Customization

When ordering POD products, you may customize certain aspects (names, dates, colors, etc.) within available options. You are responsible for:

• Verifying all customization specifications before placing the order
• Ensuring text, images, and content do not infringe on third-party rights
• Confirming spelling, names, and personal information is correct

The Company is not responsible for errors in customization that result from your input or failure to verify specifications before order confirmation.

5.3 Manufacturing and Delivery

• Processing Time: Orders are processed within 5-7 business days before shipping
• Shipping: POD products are shipped via standard courier service (exact method varies by location)
• Shipping Costs: Shipping fees are calculated and displayed before order confirmation
• Delivery Timeline: Standard delivery typically takes 5-14 business days from order placement, depending on location
• Tracking: Tracking information will be provided via email
• International Orders: International shipping may incur additional fees and longer delivery times

The Company is not responsible for delays caused by courier services, customs, or other factors beyond our direct control.

5.4 Return and Refund Policy for POD Products

Refer to the separate Return and Refund Policy document for complete details on returns, refunds, and damage claims for print-on-demand products.

6. USER ACCOUNTS AND REGISTRATION

6.1 Account Creation

To access certain features of the Service, you may be required to create an account. You agree to:

• Provide accurate, complete, and current information
• Update your information promptly if it changes
• Maintain the confidentiality of your password
• Take responsibility for all activity under your account
• Immediately notify us of any unauthorized access

6.2 Age Requirements

Users must be at least 13 years old to create an account (or the minimum age required in their jurisdiction). If you are under 18, you warrant that you have parental or guardian consent to use the Service. We reserve the right to request age verification documentation.

6.3 Account Information

Your account information will be used in accordance with our Privacy Policy. Usernames and profile information may be visible to other users (visibility settings vary). Do not include sensitive personal information in your public profile.

6.4 Account Responsibility

You are responsible for all activity on your account, including:

• All orders and transactions made under your account
• All comments, posts, and content you publish
• Maintaining password security
• Unauthorized account access

Notify us immediately at support@chieflings.com if you suspect unauthorized access to your account.

7. USER CONDUCT AND PROHIBITED BEHAVIOR

7.1 Community Guidelines

You agree to use the Service in a manner that is legal, ethical, and respectful. Prohibited behavior includes:

Content Restrictions:

• Posting obscene, defamatory, or abusive content
• Sharing hate speech or discriminatory content targeting protected groups
• Publishing sexually explicit content
• Posting graphic violence or glorifying harm
• Sharing misinformation or deliberately false information

Conduct Restrictions:

• Harassment, bullying, or threatening other users
• Impersonation or misrepresentation of identity
• Spam, unsolicited commercial promotion, or “trolling”
• Attempting to gain unauthorized access to accounts or systems
• Collecting or storing personal data about other users without consent
• Violating others’ intellectual property rights

Commercial and Legal Violations:

• Illegal activity or promotion of illegal content
• Pyramid schemes, multi-level marketing, or scams
• Intellectual property infringement
• Fraud or misrepresentation
• Circumventing technical protections or security measures

7.2 Enforcement

The Company reserves the right to:

• Remove content that violates these Terms
• Suspend or terminate accounts engaged in prohibited behavior
• Report illegal activity to appropriate authorities
• Cooperate with law enforcement investigations

8. INTELLECTUAL PROPERTY

8.1 Company Intellectual Property

All content, materials, design, functionality, and features on the Service (including text, graphics, logos, images, code, and software) are the property of Camp Chieflings or third-party licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or transmit content without permission
• Modify, translate, or create derivative works
• Use content for any commercial purpose
• Remove copyright or other proprietary notices
• Use content in ways that violate these Terms

8.2 User-Generated Content

By posting, uploading, or sharing content on the Service (“User Content”), you grant Camp Chieflings a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, and distribute your User Content in connection with operating the Service.

You represent and warrant that:

• You own or have licensed all rights to the User Content
• The User Content does not infringe on any third-party rights
• You have the right to grant the licenses described above

Camp Chieflings is not responsible for User Content and does not endorse or control it. We reserve the right to remove User Content that violates these Terms.

8.3 Third-Party Content

The Service may contain content from third parties, including:

• Amazon affiliate links and book recommendations
• Third-party tools and app reviews
• Guest articles and contributions

Use of third-party content is governed by the intellectual property rights of the third parties. Links to third-party sites are provided for convenience only; we are not responsible for their content or practices.

9. THIRD-PARTY SERVICES AND INTEGRATIONS

9.1 Payment Processing

The Service uses Paystack for payment processing. All payment information is transmitted securely and handled in accordance with Paystack’s privacy and security terms. For details on payment data handling, refer to Paystack’s privacy policy.

9.2 Email and Marketing

We use Brevo (formerly Sendinblue) for email newsletters, marketing communications, and customer engagement. By joining our mailing list or membership, you consent to receiving emails from us via Brevo. You may unsubscribe at any time using the links in our emails. Refer to our Privacy Policy and Brevo’s terms for details on how your email address is handled.

9.3 Forms and Data Collection

We use Forminator for collecting information through contact forms, surveys, and registration forms. Data collected through Forminator is handled in accordance with our Privacy Policy and Forminator’s terms of service.

9.4 Advertising

Our Service displays advertisements, including:

• Google AdSense ads
• Monetag ads
• Affiliate links (particularly Amazon Associates)
• Sponsored content

These advertising partners may collect information about your browsing activity for targeted advertising purposes. Refer to the Privacy Policy and advertiser policies for details on ad-related data collection.

9.5 No Endorsement

Third-party integrations, links, and ads are provided for convenience. The Company does not endorse or take responsibility for third-party services, products, or content. Use of third-party services is at your own risk and subject to their terms and policies.

10. LIABILITY LIMITATIONS AND DISCLAIMERS

10.1 “AS-IS” Disclaimer

THE SERVICE, INCLUDING ALL DIGITAL PRODUCTS, MEMBERSHIP CONTENT, AND FEATURES, IS PROVIDED “AS-IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING:

• Merchantability or fitness for a particular purpose
• Non-infringement of third-party rights
• Absence of errors, viruses, or malware
• Availability or uninterrupted service
• Accuracy, completeness, or currency of information

Your use of the Service is at your own risk.

10.2 Educational and Informational Content Only

Content provided through Camp Chieflings (including blog posts, guides, book summaries, affirmation cards, and courses) is for educational and informational purposes only. This content:

• Is not professional advice of any kind (legal, financial, medical, psychological, or therapeutic)
• Should not be relied upon as a substitute for professional consultation
• Reflects the perspectives and beliefs of the authors and may not be universally applicable
• May become outdated and should be verified independently

For Important Decisions, Consult Professionals: Before making significant career, financial, health, relationship, or personal decisions, consult qualified professionals including:

• Licensed attorneys for legal matters
• Certified financial advisors for financial planning
• Licensed therapists or counselors for personal or mental health issues
• Medical doctors for health-related concerns
• Ordination or pastoral care providers for theological consultation

10.3 Faith-Based Perspective Disclaimer

Camp Chieflings is explicitly a faith-based platform providing content from Christian and biblical perspectives. Users of different faith traditions should recognize that:

• Content reflects Christian principles and biblical teachings
• Spiritual advice and perspectives are faith-specific
• Not all content will be applicable to users outside the Christian faith tradition
• The Company makes no representation of neutrality regarding faith-based topics

10.4 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Lost profits, lost data, lost business opportunity, or loss of use
• Damages arising from your reliance on information or advice from the Service
• Damages from third-party content, services, or links
• Service interruptions, technical errors, or data loss
• Any damages whatsoever arising from your use or inability to use the Service

This limitation applies regardless of whether liability arises from contract, tort (including negligence), strict liability, or other legal theory.

10.5 Cap on Liability

In jurisdictions that do not allow limitation of liability, the Company’s total liability for any claim related to the Service shall not exceed the amount you have paid to the Company in the 12 months preceding the claim.

10.6 Essential Terms

You acknowledge that these liability limitations are essential terms of this Agreement. Without these limitations, the Company would not be able to offer the Service at current pricing and terms.

11. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Camp Chieflings, its officers, directors, employees, and agents from any claims, damages, losses, costs, or expenses (including reasonable attorney’s fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any law or third-party rights
• Your User Content or statements
• Your membership or product purchases
• Any disputes with other users

12. PRIVACY AND DATA PROTECTION

Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our collection and use of personal information as described in the Privacy Policy.

13. DISPUTE RESOLUTION

13.1 Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of Nigeria, without regard to conflict of law principles. However, where applicable, local consumer protection laws in your jurisdiction may apply to your rights.

13.2 Informal Resolution

If you have a dispute with Camp Chieflings, you agree to first attempt to resolve the matter informally by contacting us at support@chieflings.com with a detailed description of the dispute.

13.3 Binding Arbitration

Any dispute that cannot be resolved informally shall be resolved by binding arbitration under the UNCITRAL Arbitration Rules, with proceedings conducted in English. The arbitration shall be administered by an arbitral institution mutually agreed upon by the parties or, if no agreement is reached, by the International Court of Arbitration.

Exceptions to Arbitration:

• Small claims or disputes under $5,000 USD may be brought in small claims court
• Intellectual property disputes may be brought in court
• Either party may seek injunctive relief in court to prevent irreparable harm

13.4 Class Action Waiver

You and the Company agree that any arbitration shall be on an individual basis. Class actions, consolidated actions, and representative actions are not permitted. You waive the right to participate in class action disputes.

13.5 Attorney’s Fees

Except as permitted by law, each party shall bear its own attorney’s fees and costs in any dispute. If you prevail in arbitration or litigation on claims that allow for attorney’s fees under applicable law, fees may be awarded.

14. TERMINATION

14.1 Termination by You

You may terminate your account at any time by:

1. Logging into your account
2. Navigating to Account Settings
3. Selecting “Delete Account”
4. Following the confirmation steps

Account deletion is permanent. You may not recover data or content after deletion.

14.2 Termination by Camp Chieflings

Camp Chieflings may terminate or suspend your account and access to the Service:

• Immediately, if you violate these Terms or engage in prohibited conduct
• With 30 days’ notice, if we discontinue the Service or specific features
• Without notice, if required by law or to prevent harm

14.3 Effects of Termination

Upon termination:

• Your right to access the Service ceases immediately
• You are responsible for any outstanding charges or fees
• Paid membership fees are not refunded (except as provided in the Return and Refund Policy)
• Provisions regarding intellectual property, indemnification, and liability survive termination

15. MODIFICATIONS TO SERVICE

Camp Chieflings reserves the right to:

• Modify, update, or discontinue features and functionality
• Temporarily suspend access for maintenance or technical issues
• Archive or delete old content
• Change pricing and billing terms (with notice)

We will provide notice of material changes when possible, but some technical changes may occur without notice. Continued use of the Service following modifications constitutes your acceptance of the changes.

16. LINKS AND THIRD-PARTY CONTENT

The Service may contain links to third-party websites and resources. These links are provided for convenience only. Camp Chieflings:

• Does not control third-party sites or their content
• Is not responsible for third-party privacy practices or content
• Does not endorse or approve third-party sites or content
• Is not liable for any damages arising from your use of third-party sites

Use of third-party sites is at your own risk and subject to their terms and policies.

17. EXPORT COMPLIANCE

You agree not to export or re-export the Service or any content to any country or person prohibited by Nigerian export control laws or international sanctions. This applies particularly to users in jurisdictions under comprehensive sanctions.

18. SEVERABILITY

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be severed, and the remaining provisions shall continue in full force and effect. To the extent possible, the invalid provision shall be modified to make it valid and enforceable.

19. ENTIRE AGREEMENT

These Terms of Service, together with the Privacy Policy and Return and Refund Policy, constitute the entire agreement between you and Camp Chieflings regarding your use of the Service. These Terms supersede all prior agreements, understandings, and negotiations, whether written or oral.

20. CONTACT INFORMATION

For questions about these Terms, requests for support, or to report violations, please contact:

Camp Chieflings
Email: support@chieflings.com
Website: www.chieflings.com

These Terms of Service were last updated May 2026 and are effective immediately.

APPENDIX A: COMMUNITY GUIDELINES SUMMARY

Members of the Camp Chieflings community agree to:

✓ Treat others with respect and dignity
✓ Keep discussions relevant and constructive
✓ Respect copyright and intellectual property
✓ Maintain appropriate language and tone
✓ Support fellow community members in their development journeys

✗ Do not harass, threaten, or discriminate against others
✗ Do not spam or self-promote excessively
✗ Do not share others’ personal information without consent
✗ Do not engage in illegal activity or promotion of illegal content
✗ Do not violate intellectual property rights

Violations of Community Guidelines may result in warnings, content removal, account suspension, or permanent termination.