These Terms of Service were last modified on, and are effective as of, November 7, 2026.
This website is operated by Spiritual Arts Institute, a California 501(c)(3) nonprofit educational organization. Throughout the site, the terms “we”, “us” and “our” refer to Spiritual Arts Institute (“SAI”). SAI offers this website, including all information, tools, courses and services available from this site, to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By accessing or using the site in any manner, including, but not limited to, visiting or browsing our site, creating an account, enrolling in a class or online course, purchasing something from us, making a donation, or contributing content or other materials to the site, you engage in our “Service” and agree to be bound by these terms and conditions (“Terms of Service”, “Terms”), including the additional terms, conditions and policies referenced here and/or available by hyperlink. These Terms apply to all users of the site, including without limitation browsers, students, customers, donors, vendors, and contributors of content.
Please read these Terms carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, you may not access the website or use any services. If these Terms are considered an offer, acceptance is expressly limited to these Terms.
Any new features, tools, courses or programs added to the site are also subject to these Terms. We reserve the right to update, change or replace any Terms by posting updates and/or changes on our website. You can review the most current version of these Terms at any time on this page. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose, nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any content on the website through which the Service is provided, without our express written permission.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
The site and its original content, features and functionality, including all text, course materials, lessons, videos, audio recordings, meditations, quizzes, images, graphics, logos and book content, are owned by Spiritual Arts Institute or its licensors. They are protected by United States and international copyright, trademark and other intellectual property laws.
Subject to these Terms, SAI grants you a limited, non-exclusive, non-transferable, revocable license to access and use the site and any course or materials you have purchased or been given access to, solely for your own personal, non-commercial spiritual study. You may not share your login, record, download (except where we provide a download option), redistribute, resell, publicly display, or create derivative works from our materials.
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
Prices for our products, classes and courses are subject to change without notice. A price change does not affect a purchase you have already completed.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice.
We shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service, except as stated in Section 8 (Online Courses) and Section 9 (Refunds).
Certain products or services, including self-paced online courses, may be available exclusively online through the website. These products or services may have limited quantities and are subject to refund or return only according to Section 9 (Refunds and Returns).
We have made every effort to display as accurately as possible the colors and images of our products. We cannot guarantee that your computer monitor’s display of any color will be accurate.
We reserve the right, but are not obligated, to limit the sales of our products or services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at our sole discretion. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
What is included in a specific product, class or course (its price, content, format, schedule and any bonuses) is described on that product’s page at the time of purchase, and that description forms part of your agreement with us.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
This section applies to all self-paced online courses and digital programs offered through our learning platform (each, a “Course”).
Refunds are issued to the original payment method. A product or course page may state different terms for a specific offer; in that case the product page controls.
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. If we change or cancel an order, we may attempt to notify you by contacting the email and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all purchases made on our site. You agree to promptly update your account and other information, including your email address and payment details, so that we can complete your transactions and contact you as needed. For refunds and returns, see Section 9.
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. Any use of optional tools offered through the site is entirely at your own risk and discretion, and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
Certain content, products and services available via our Service may include materials from third parties. Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating their content or accuracy, and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties. Please review the third party’s policies and practices carefully before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.
If, at our request, you send certain specific submissions (for example contest entries), or without a request from us you send creative ideas, suggestions, proposals, plans, course comments or other materials, whether online, by email, by postal mail, or otherwise (collectively, “comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable, or that violates any party’s intellectual property or these Terms.
You agree that your comments will not violate any right of any third party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third party.
Your submission of personal information through the site, including through our learning platform, is governed by our Privacy Policy.
In addition to other prohibitions in these Terms, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
We reserve the right to investigate violations of these Terms and to take any action we deem appropriate, including reporting suspected unlawful activity to law enforcement authorities and cooperating with them, and disclosing information necessary to do so.
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation pricing information, except as required by law.
We do not guarantee, represent or warrant that your use of our Service will be uninterrupted, timely, secure or error-free. We do not guarantee, represent or warrant that our site or our Service will be free of viruses or other harmful components, or that the results of using the site or our Service will meet your requirements.
We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.
You agree that from time to time we may remove the Service for indefinite periods of time or cancel the Service at any time, without notice to you, subject to Section 8.
You expressly agree that your use of, or inability to use, the Service is at your sole risk. The Service and all products and services delivered to you through the Service are (except as expressly stated by us) provided “as is” and “as available” for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall Spiritual Arts Institute, our directors, officers, employees, volunteers, teachers, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of the Service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions our liability shall be limited to the maximum extent permitted by law.
Educational and spiritual content. Our classes, courses, books and materials are offered for spiritual and personal-growth education. They are not a substitute for medical, psychological, legal, financial or other professional advice, diagnosis or treatment. Results of spiritual practice vary from person to person and are not guaranteed.
Testimonials. Testimonials on our site or in our materials reflect the individual experiences of the people who gave them. They are not a guarantee that you will have the same or similar experiences. In accordance with Federal Trade Commission guidelines concerning use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this site are actually received via email, text, audio, or video submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way. However, they are individual results and results do vary. We do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use our products and/or services. The testimonials displayed are given verbatim except for correction of grammatical or typing errors. Some have been shortened. In other words, not the whole message received by the testimonial writer is displayed, when it seemed lengthy or not the whole testimonial seemed relevant for the general public. SAI is not responsible for any of the opinions or comments posted to our site. SAI is not a forum for testimonials, however, provides testimonials as a means for customers to share their experiences with one another. To prevent abuse, all testimonials appear after they have been reviewed by management of SAI. SAI does not share the opinions, views or commentary of any testimonials on this site, and are strictly the views of the reviewer.
You agree to indemnify, defend and hold harmless Spiritual Arts Institute and our affiliates, partners, officers, directors, volunteers, teachers, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third party.
If any provision of these Terms is determined to be unlawful, void or unenforceable, that provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms. That determination shall not affect the validity and enforceability of any other remaining provisions.
The obligations and liabilities of the parties incurred before the termination date shall survive the termination of this agreement for all purposes.
These Terms are effective unless and until terminated by either you or us. You may terminate these Terms at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we may terminate this agreement at any time without notice. You will remain liable for all amounts due up to and including the date of termination, and we may deny you access to our Services (or any part thereof).
The failure of us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
These Terms, any product or course page description in effect at the time of your purchase, and any policies or operating rules posted by us on this site constitute the entire agreement and understanding between you and us and govern your use of the Service. They supersede any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us, including any prior versions of these Terms and any separate course-specific terms previously published.
Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.
These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict-of-law rules. Any dispute shall be brought in the state or federal courts located in San Diego County, California.
You can review the most current version of these Terms at any time on this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms by posting updates and changes to our website and revising the “last modified” date above. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes constitutes acceptance of those changes. If you do not agree to any of these Terms or any changes to them, do not use, access or continue to access the site, and discontinue use of the site immediately.
Questions about these Terms should be sent to saiteam@spiritualarts.org, or by mail to Spiritual Arts Institute, 527 Encinitas Blvd, Suite 206, Encinitas, CA 92024. Phone: (760) 487-1224.
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