Online Therapy – Press, Media, News

What is the Difference Between Good Stress and Bad Stress?

4/4/2023 4:24:00 PM

The stress level experienced by Americans is 20% higher than the global average, but there are different kinds of stress and they're not all bad. In this article experts, including Learn to Live's Co-founder and Chief Clinical Officer Russ Morfitt, PhD, offer insights about differentiating between good and bad stress and how to balance them.

Read the full story

Learn to Live Inc. ("we", "us", "our" or the "Company") operates the site located at www.learntolive.com and other online platforms, including a native mobile application (collectively the "Site") providing, among other services, self-help information and skill development based on the fundamentals of Cognitive Behavioral Therapy to educate people regarding behavioral health and related issues and various Community Forums, as defined and addressed below (each a "Service" and collectively "Services"). The Site and the Services should be regarded as a general approach to self-development and not as professional medical advice, diagnosis or treatment.

Applicability

By accessing and using the Site, any portion of the Site, or any Service, you agree to be bound by these Terms of Use and all applicable laws and regulations governing the Site. If you do not agree with the Terms of Use, you are not authorized to access or use the Site or use a Service for any purpose. Additional terms and conditions applicable to specific areas of the Site or to particular transactions are also posted in particular areas of the Site and, together with these Terms of Use, govern your use of those areas. If you do not agree with any of these additional terms and conditions, you are not authorized to access or use those areas of the Site.

Use of the Site

The Company grants you permission to use the Site for your personal, non-commercial purposes. Your use of the Site is further limited as follows:

You agree not to use the Site for unlawful purposes, and you agree to comply with all applicable laws, rules and regulations while using the Site.
You agree not to use the Site for any commercial purposes, including any advertisement, commercial solicitation, or promotion of any specific goods or services.
You agree not to collect or use any information or other data available via the Site inappropriately.
You may not distribute, modify, copy (except as set forth in these Terms of Use), transmit, display, reuse, reproduce, publish, license, create derivative works from, transfer, translate, sell, reverse engineer, decompile or disassemble, or otherwise use the Site or the Content (as defined herein), except as specifically authorized in the Terms of Use, without the Company’s written permission.
You agree not to use the Site to post or transmit any threatening, harmful, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.
You agree not to use the Site to advertise or perform any commercial solicitation, or otherwise exploit for any commercial purposes any portion of, use of or access to the Site.
You agree not to incorporate any code into the code of the Site or to use the Site to post or transmit (or to use in connection with the Site) any virus, worm, Trojan Horse, time bomb, spyware, bot, tracking device, screen scraping software or other computer code, file or program that is harmful or invasive or is intended to damage or hijack the operation of, or to monitor the use or operation of the Site or any user of the Site.
You agree not to use any robot, screen scraper, spider, or other automated means to access or gather Content from the Site or mirror, co-brand, or frame any pages on the Site, in conjunction with any screen scraping software. For purposes of these Terms of Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute the Site or its Content.
You agree not to restrict or inhibit any other person from use of the Site. You agree not to interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available, or violate any requirements, procedures, policies or regulations of such networks.
You agree not to use the Site to harvest or collect personally identifiable information about users of the Site.
You agree not to use the Site to disrespect the privacy or views of others.
You agree not to use the Site to impersonate another person or supply false information about yourself or another person.
You agree not to allow any other person or entity to use your identification to post or view comments, or to otherwise access or use the Site.
You agree not to post material on the Site that infringes on the copyright or other intellectual property rights of others, or the privacy, publicity, or other personal rights of others.

User Representation

You represent and warrant that you are at least 13 years of age or older. If you are age 13 or older but under the age of 18, you should review these Terms of Use with your parent or guardian, who must understand and agree with these Terms of Use and consent to your use of this Site in accordance with these Terms of Use.

Changes in Terms of Use

We reserve the right to modify these Terms of Use at any time. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. The last date these Terms of Use were revised is noted at the end of these Terms of Use.

Not Medical Advice

The text, graphics, images, videos, and other material contained on the Site (excluding Submissions, as defined below) are referred to as the "Content." The Content is for informational and skill development purposes only. The Content should be regarded as a general approach to self-development and is not intended to be a substitute for professional medical or behavioral health advice, diagnosis, or treatment. The Site is not designed to treat clinical levels of mental health disorders. The diagnosis and treatment of mental health disorders requires a medical practitioner or qualified mental health practitioner. People seeking a diagnosis or treatment of mental health disorders should consult a medical practitioner or mental health professional. This Site and the Services do not constitute the practice of medicine or nursing, or constitute other professional health care advice, diagnosis or treatment.

Always seek the advice of a medical practitioner or qualified mental health practitioner with any questions regarding personal health or medical conditions. Never disregard, avoid or delay in obtaining medical advice from your medical practitioner or qualified mental health practitioner because of something you have read on this Site.

Learn to Live does not provide emergency medical or behavioral health services. If you think you may have a medical or behavioral health emergency, call your doctor, the 988 Suicide and Crisis Lifeline, or 911 immediately. The Company does not recommend or endorse any specific tests, providers (including, but not limited to, hospitals and physicians), products, procedures, or other information that may be mentioned on the Site. Any opinions expressed on the Site are the opinions of the individual author, not of the Company. Reliance on any information provided by the Company, its employees, or otherwise appearing on the Site (whether made by the Company or by other visitors to the Site is solely at your own risk.

Communications between you and the Company are subject to the provisions by our Privacy Policy, but are not protected by any applicable healthcare provider-patient privilege or confidentiality laws applicable to healthcare providers. We cannot provide medical or behavioral health advice and can only provide self-help services at your specific direction.

License to Use

We grant you a limited, personal, non-exclusive, non-transferable license to use our Content for your own personal, non-commercial use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, distribute, publicly display or perform, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Content in any manner, except for modifications in filling out the forms for your authorized use. You shall not remove any copyright notice from any form.

Intellectual Property

The Service, the Site, and the Content are protected by U.S. and international copyright, trademark and other laws, and belong to the Company or its partners, affiliates, contributors or licensors. This protection includes the use of the trademark name "Learn to Live" and the Learn to Live logo. The use or misuse of the Content, except as provided in these Terms of Use or in any additional terms and conditions applicable to specific areas of the Site, is strictly prohibited. You may use the Site, the Service and the Content solely for your personal, non-commercial use as follows: You may print copies of the information on the Site for your personal, non-commercial use, or store the files on your computer for personal, noncommercial use. You may not otherwise copy, distribute or display any Content without express written consent from the Company. Subject to the limited license granted herein, we reserve all right, title and interest in all Content. If any portion of the Terms of Use is violated, the limited license for your usage of this Site is revoked, and all Content in your possession must be deleted or destroyed.

With the exception of the personal, noncommercial use described above, no Content may be reverse-engineered, decompiled, disassembled, reproduced, retransmitted in any form or by any means (electrical, mechanical, photo reproduction, recordation or otherwise), stored in a retrieval system, translated into a computer language or other language, transcribed, resold, or redistributed without prior express written consent by Company.

Registration and Account-Holder Obligations

Users of this Site may choose to set up an account to access certain functionality of the Site (such as learning modules and our native mobile app). To participate in a Community Forum (as defined and addressed below) each user must register with the Site and setup login credentials as instructed on the Site. Users will be asked to supply personally identifiable information when opening an account or registering with the Site. Failure to comply with these Terms of Use could result in the termination of the user's account.

Community Forums

The Site may contain chat areas and online forums, which may be organized by subject matter (each a “Community Forum” and collectively “Community Forums”), designed to enable you to post Submissions (as defined below) and communicate with other users of a Community Forum. By using a Community Forum, users agree to adhere to our Code of Conduct, found by clicking here. Users of a Community Forum must exercise common sense and courtesy in submitting comments, messages, and materials (each a “Submission” and collectively “Submissions”) to, and otherwise participating in, a Community Forum and agree to use Community Forums only to post Submissions that are proper and related to the particular Community Forum and adhere to our Code of Conduct. By way of example, and not as a limitation, you agree that when using a Community Forum, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others including, without limitation, engaging in activity that incites discrimination, hate or violence towards a person or group.
Post any inappropriate, profane, obscene, indecent or unlawful topic or Submission.
Promote or provide instructional information about illegal activities.
Post any Submission that violates any copyright, trademark, patent, trade secret, confidentiality obligation, or other intellectual property or proprietary right of any party.
Upload files (or other Submissions) that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or network.
Spam, solicit, advertise, or offer to sell or buy any goods or services.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Post any Submissions that are false or misleading or employ a false identifier to impersonate any person or entity or to disguise the true origin of any Submissions.
Restrict or inhibit any other user from using a Community Forum.
Harvest or otherwise collect information about others, including email addresses, without their consent.
Violate any applicable laws or regulations.

Company may, directly or through a service provider, monitor the Community Forums. Company, directly or through a service provider, reserves the right to review Submissions posted to a Community Forum and to remove any Submissions, in whole or in part, in its sole discretion. Company reserves the right to terminate your access to the Site, Services, Content, Submissions, and any or all of the Community Forums at any time without notice for any reason whatsoever. Company may, directly or through a service provider, respond to Submissions in a Community Forum and take all actions it considers necessary based on a Submission, which may include, without limitation, contacting a user by phone or email. Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request. Company further reserves the right to edit or refuse to post any Submission, in whole or in part, in Company's sole discretion. We highly discourage you from providing any personally identifying information about yourself in any Community Forum.

Submissions are not to be relied on as professional medical or behavioral health advice, diagnosis or treatment. Company does not control, endorse, approve, or recommend any Submission and inclusion in a Community Forum should not be considered an endorsement, approval, or recommendation. Except as otherwise expressly stated in writing, the views expressed in a Submission are those of the individual who posted the Submission and should not be considered as representing the views of the Company. Company specifically disclaims any liability with regard to the Community Forum and any actions resulting from your participation in any Community Forum.

By participating in a Community Forum, you agree to receive communications relating to Community Forums and Submissions. Users may control the email notification settings in the user's account settings once logged into the Site.

User Supplied Material

If you supply any comments, information or material via the Site, you guarantee to us that you have the legal right to supply such material and that it will not violate any law or the rights of any person or entity. You further agree that all information or material you supply to us through the Site, including business information, ideas, concepts, or inventions, shall be deemed and shall remain our property, and you hereby assign to the Company all right, title, and interest in and to any such information or material, without any restriction or obligation to you.

Disclaimer of Warranties

You agree to assume total responsibility and risk for your use of the Site, the Service and the Content. The Company makes no express or implied warranties, representations or endorsements whatsoever with respect to the Site, the Service or the Content. The Company expressly disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement with regard to the Site, the Service, and the Content. The Company does not warrant that the functions performed by the Site or the Service will be uninterrupted, timely, secure or error-free, free of viruses or other malicious code, or that defects in the Site or the Service will be corrected. The Company does not warrant the accuracy, currency, or completeness of the Content, or that any errors in the Content will be corrected. The Site, the Service and the Content are provided on an "as is" and "as available" basis.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law, nor does it affect any service levels offered to Learn to Live health plan or higher education clients.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, GOVERNORS OR DIRECTORS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, THE SERVICE, OR THE CONTENT, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE SERVICES, THE CONTENT, OR THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE COMPANY IS NOT LIABLE TO ANY USER OR PERSON FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE UPON INFORMATION OR CONTENT DISPLAYED OR PROVIDED IN THIS SITE.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY'S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT COMPANY'S LIABILITY SHALL, IN NO EVENT, EXCEED $1,000.00.

ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE, THIS SITE, THE SERVICE OR CONTENT MUST BE BROUGHT WITHIN ONE YEAR OF THE EVENT FROM WHICH THE CLAIM AROSE. COMPANY SHALL HAVE NO LIABILiTY FOR CLAIMS NOT ASSERTED DURING THIS PERIOD.

Indemnification

You understand and agree that you are personally responsible for your behavior on the Site and for your use of the Content and any Submissions. You agree to indemnify, defend and hold harmless the Company, its subsidiaries, affiliated companies, joint venturers, business partners, providers, licensors, employees, agents, and any third-party information providers from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys' fees, resulting from or arising out of your use of or inability to use the Site, the Service, the Content, or the Submissions, any violation by you of these Terms of Use, or any activity related to your user account (including negligent or wrongful conduct) by you or any other person accessing the Site, Service, Content, or Submissions through your user account.

Errors and Inaccuracies

The information in the Site may contain typographical errors or other errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.

Charges and Billing

In connection with your access to or use of certain areas of this Site, purchase of products offered through this Site, or the Service, you may be responsible for providing a valid credit card number, expiration date, and card security code from the back of the card at the time you purchase a product or service. You represent and warrant that you are an authorized user of such credit card, and you agree to pay all charges resulting from your purchase of the products or services on this Site at the charges then in effect, including any unauthorized charges incurred prior to your notifying us of such charges. You agree that the Company may provide your credit card information and related personal information to its designated service provider(s) for its use in charging you for appropriate products or services. All charges include sales tax where applicable and any other applicable taxes related to the purchase of the products or services. We reserve the right to modify prices, fees, or institute new charges at any time with at least 30 days' notice. You understand that products or Services may not be provided if the credit card information you provide is inaccurate or invalid.

These Terms of Use, together with any purchase terms we require related to a Service or product that you may purchase from us, are the entire agreement between you and us relating to the subject matter herein. If you are a purchaser of one of our Services or products, in the event of any conflict between these Terms of Use and the purchase terms for such Services or products, the applicable purchase terms will control.

Links to Third Party Sites

As a convenience to Site users, we may provide hypertext links to third party sites. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party site, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such site, and that the Company does not endorse or warrant, and is not responsible or liable for, any such site, its content, its privacy policy or practices, or the acts or omissions of its operators.

Geographic Limitations on Use

Like most Internet sites, this Site is accessible worldwide. However, not all products or Services are available to all persons or in all geographic locations. The Company reserves the right to limit the provision of its products and Services to any person, geographic area, or jurisdiction. Any Services identified on the Site is only available where the Company, or any other entity offering the products or Services on the Site, is licensed or authorized to do business. Please consult the Company directly for information regarding the products and Services that may be available to you in your area. This Site is designed for use in the United States of America. You agree to comply with all applicable laws and local rules or restrictions relating to this Site.

International Users

The Site is controlled and operated within the United States. If you are a user of the Site outside the United States, you consent to having your personal data transferred to and processed in the United States. The Company makes no representation that content, materials or products available on or through the Site are appropriate or available for use outside of the United States. If you access the Site from a location outside the United States, you are responsible for compliance with applicable laws, including U.S. export laws and regulations.

Personal Information and Privacy Policy

The Company may monitor, record, collect and use for any lawful purpose information generated through your use of the Site, including your personal information. The Company's collection and use of such information is described in our Privacy Policy. Your obligations under these Terms of Use are in no way conditioned on the Company's compliance with the terms of the Privacy Policy.

Copyright Agent

We respect the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide the following information in writing to the Company's Copyright Agent:

A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright.
A description of the copyrighted work that you claim has been infringed.
A description of the material that you claim to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information sufficient to permit us to locate the material.
Information so that we can contact you, such as address, telephone number and e-mail address.
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate and, under penalty of perjury, that you are the copyright owner or are authorized to act on behalf of the owner of a copyright that is allegedly infringed.

The Company’s Copyright Agent can be reached as follows:

Learn to Live, Inc.
7701 Golden Valley Rd
Unit #27486
Minneapolis, MN 55427

Upon the Company’s receipt of a proper notice of claimed infringement under the Digital Millennium Copyright Act (“DMCA”), we shall respond expeditiously to follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the content in issue, including, where applicable, removing, or disabling access to content claimed to be infringing or by removing or disabling access to links to such content.

COPPA Compliance

In compliance with the Children's Online Privacy Protection Act ("COPPA") the Company does not knowingly allow access to the Site, Service or Content to persons under age 13. If you are under age 13, you are not authorized to post any personal information about yourself to the Site or provide any personal information about yourself to Company. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that the Company might have any information from a child under age 13, please contact us at the address set forth above in the "Copyright Agent" section.

Your Suggestions

We appreciate your feedback or other suggestions about the Site, the Service and the Content, but you understand that we may use your feedback or other suggestions without any obligation to compensate you for them.

General Provisions

You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site, the Service and the Content and your offer to purchase products and/or Services. These Terms of Use shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to the terms of these Terms of Use shall be filed only in a state or federal court located in Hennepin County, Minnesota. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

These Terms of Use, together with the Privacy Policy and the Subscription Agreement, represent the entire understanding of the parties regarding the use of the Site, the Service and the Content and supersede any previous documents, correspondence, conversations, or other oral or written understanding related to these Terms of Use. Click here to review our Privacy Policy, click here.

These Terms of Use shall not be modified except as otherwise set forth herein. You may not transfer any of your rights or obligations under these Terms of Use to any third party without the prior written consent of the Company.

All of our rights and obligations under these Terms of Use are freely assignable by the Company in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise. These Terms of Use do not confer any third party beneficiary rights. No waiver of any term, provision or condition of these Terms of Use, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or shall constitute, a waiver of any other term, provision or condition hereof, whether or not similar, nor shall any waiver constitute a continuing waiver of any such term, provision or condition hereof. No waiver shall be binding unless executed in writing by the party making the waiver. You agree that you will take such further action, that may be necessary or appropriate to effectuate the purposes of these Terms of Use.

General Contact Information

If you have any questions about these Terms of Use, the Site, the Service, or the Content, you may contact us by:

sending an email to: support@learntolive.com
sending a letter via U.S. mail to:

Learn to Live, Inc.
7701 Golden Valley Rd
Unit #27486
Minneapolis, MN 55427

The English version of these Terms of Use predominates in all aspects and cases of inconsistency with the translated versions, if those exist.

Date of last modification

January 05, 2026

The English language version of this Agreement shall be controlling in all respects and shall prevail in case of any inconsistencies with translated versions, if any.

This Subscription Agreement (“Agreement”) is by and between Learn to Live, Inc., a Minnesota corporation (“we”, “us”, “our” or the “Company”) and the subscriber (“you” or “Subscriber”), a natural person.

Recitals

The Company operates the site located at www.learntolive.com and a native mobile application (the “Site”) providing, among other services, self-help information and skill development based on the fundamentals of Cognitive Behavioral Therapy to educate people regarding behavioral health and related issues (the “Service” or “Services”).
The contents of the Site, such as text, graphics, images, videos, and other material contained on the Site or within any Program (as defined below), as well as other communications sent or received in connection with any Service provided by the Company or via the Site (collectively "Content") are for informational and skill development purposes only. The Site, the Content, and the Services should be regarded as a general approach to self-development and not as professional medical advice, diagnosis or treatment.
Subscriber desires to purchase access to certain programs (“Programs”) available on the Site.
The Company wishes to make available the Content, Programs, and the Services to Subscriber according to the terms and conditions set forth herein.

Term, Fee, and Payment

The Company shall provide you, as the Subscriber, with access to the Program(s) you select for the period of time (the "Subscription Period") and for the fee (the "Fee") specified in the enrollment process. As a self-pay user, you may may choose to allow Learn to Live to process payment of the Fee as an approved merchant, or may choose to use your PayPal account to process payment.

This Agreement is intended to apply to self-pay subscribers only. If you are accessing the Programs through an employer-sponsored plan, health plan, healthcare provider, or institution of higher education, you are subject to different terms and conditions regarding your subscription and use of the Services, Program, and Site. Please contact the Company for more information, or use the access code provided to you by your sponsoring organization to subscribe to the Services.

Termination

The Company may terminate this Agreement, effective immediately, in the event that Subscriber breaches this Agreement or the Terms of Use. Upon termination, Subscriber shall destroy all copies of the Content or other downloadable components of the Site. Company makes no warranties regarding the Service or otherwise guarantees of success the Services or that Subscriber's use of the Content will result in any particular outcome. Company will not issue a refund of the Fee in the event that Subscriber is unsatisfied or this Agreement is terminated for any reason.

Programs

In exchange for the payment of the Fee to the Company for the Service, Subscriber will receive access to the following resources available on the Site:

All lessons within their selected Program(s).
At no additional charge, any and all updates to the foregoing lessons during the Subscription Period.
Additional mental health education resources, such as Quick Breaks, Mindfulness Moment texts, Articles, Toolkits, etc.

Technology Requirements

See the technology requirements for use of the Programs, Site, and/or Services set forth here.

Changes in Subscription Agreement

We reserve the right to modify this Agreement at any time. Your use of the Content and the Service(s) following any such modification constitutes your agreement to follow and be bound by the Agreement as modified. The last date this Agreement was revised is noted at the end of this Agreement.

Intellectual Property

The Service, the Site, and Content are protected by United States. and international copyright, trademark and other laws, and belong to the Company or its partners, affiliates, contributors or licensors. This protection includes the use of the trademark name "Learn to Live" and the Learn to Live logo. You may use the Site, the Service(s) and the Content solely for your personal, non-commercial use as set forth and agreed to by you in the Terms of Use.

Personal Information and Privacy Policy

By providing the information requested by the Site, or by continuing to use the Site after having an opportunity to review the Privacy Policy, you are deemed to have consented to the terms of the Privacy Policy.

Each Party's Obligations

Your obligations under this Agreement are not conditioned upon our performance of our obligations, and our obligations are not conditioned upon your performance of your obligations.

Server

The Company will host the Site on a secure Company or third-party server. In the event the server experiences technical problems, the Company will make reasonable efforts to either resolve the difficulties or provide a back-up site containing the Content. Subscriber will not be reimbursed any portion of the Fee paid or any other recourse hereunder for server downtime, app store issues, or Internet congestion resulting in the Site's diminished performance.

Medical Advice

The Site, Content, Service are for informational and skill development purposes only. The Content should be regarded as a general approach to self-development and is not intended to be a substitute for professional medical or behavioral health advice, diagnosis, or treatment. The Site, Content, and Service are not designed to treat clinical levels of anxiety, depression, insomnia, social anxiety, substance use, panic attacks, trauma or other mental health disorders. The diagnosis and treatment of any mental health disorder requires a medical practitioner or qualified mental health practitioner. People seeking a diagnosis or treatment of anxiety or other mental health disorders should consult a medical practitioner or mental health professional. The Site, Content, and Service do not constitute the practice of medicine or nursing, or constitute any other professional health care advice, diagnosis or treatment.

Always seek the advice of a medical practitioner or qualified mental health practitioner with any questions regarding your personal health or medical conditions. Never disregard, avoid or delay in obtaining medical advice from your medical practitioner or qualified mental health practitioner because of something you have read on this Site or in the Program.

If you think you may have a medical emergency, call your doctor, the 988 Suicide and Crisis Lifeline or 911 immediately. The Company does not recommend or endorse any specific tests, providers (including, but not limited to, hospitals and physicians), products, procedures, or other information that may be mentioned on the Site. Any opinions expressed on the Site are the opinions of the individual author, not of the Company. Reliance on any information provided by the Company, its employees, or otherwise appearing on the Site (whether by the Company or other visitors on the Site) is solely at your own risk.

Communications between you and the Company are protected by our Privacy Policy, but are not protected by any applicable healthcare provider-patient privilege or confidentiality laws applicable to healthcare providers. We cannot provide medical advice and can only provide self-help services at your specific direction.

Disclaimer of Warranties

YOU AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE, THE CONTENT AND THE SERVICES. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE, THE CONTENT OR THE SERVICE. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT WITH REGARD TO THE SITE, THE CONTENT, AND THE SERVICES. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, FREE OF VIRUSES OR OTHER MALICIOUS CODE, OR THAT DEFECTS IN THE SITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY, CURRENCY, OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE, THE CONTENT AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, GOVERNORS OR DIRECTORS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, THE CONTENT, OR THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE CONTENT, THE SERVICE, THE PRIVACY POLICY, OR THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE COMPANY IS NOT LIABLE TO ANY USER OR PERSON FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE UPON INFORMATION, CONTENT DISPLAYED, OR SERVICE PROVIDED IN THIS SITE.

ANY CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE TERMS OF USE, THE PRIVACY POLICY, THIS SITE, THE SERVICE OR CONTENT MUST BE BROUGHT WITHIN ONE YEAR OF THE EVENT FROM WHICH THE CLAIM AROSE. COMPANY SHALL HAVE NO LIABILITY FOR CLAIMS NOT ASSERTED DURING THIS PERIOD.

Geographic Limitations on Use

Like most Internet sites, this Site is accessible worldwide. However, not all programs, products or Services are available to all persons or in all geographic locations. The Company reserves the right to limit the provision of its Programs, products and Services to any person, geographic area, or jurisdiction. Any Services identified on the Site are only available where the Company, or any other entity offering the Programs, products or Services on the Site, is licensed or authorized to do business. Please consult the Company directly for information regarding the Programs, products and Services that may be available to you in your area. This Site is designed for use in the United States of America. You agree to comply with all applicable laws and local rules or restrictions relating to the Site and all Programs, products, or Services.

Subscriber Representation

You represent and warrant that you have read and agree to use this Site, including any Service, in accordance with the terms of this Agreement, the Privacy Policy, and the Terms of Use. You represent and warrant that you are at least 13 years of age or older. If you are age 13 or older but under the age of 18, you should review this Agreement with your parent or guardian, who must understand and agree with this Agreement and consent to your use of this Site, including your use of any Service, in accordance with this Agreement.

Entire Agreement

This Agreement, together with the terms associated with your selections made during the enrollment and purchase process, the Privacy Policy and the Terms of Use, represent the entire understanding of the parties regarding the use of the Site, the Content and the Service and supersede any previous documents, correspondence, conversations, or other oral or written understanding related to this Agreement.

Severability

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.

Assignment

Subscriber may not assign or otherwise transfer this Agreement, by operation of law or otherwise, without the prior written consent of the Company. Any attempt by Subscriber to assign this Agreement is void.

All of Company’s rights and obligations under this Agreement are freely assignable by the Company.

Compliance with Laws

Subscriber shall use the Content, the Site, and the Service in accordance with all applicable laws and regulations, including (without limitation) export laws and regulations and those laws and regulations designed to protect against the unauthorized use and disclosure of personally identifiable information.

Choice of Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to the terms of this Agreement shall be filed only in a state or federal court located in Hennepin County, Minnesota. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

The English version of this Agreement predominates in all aspects and cases of inconsistency with the translated versions, if those exist.

Date of last modification

January 05, 2026

The English language version of this Agreement shall be controlling in all respects and shall prevail in case of any inconsistencies with translated versions, if any.

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