TERMS AND CONDITIONS OF USE
PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING THIS WEBSITE OR PARTICIPATING IN ANY PROGRAM, SERVICE, OR OFFERING.
1. Ecclesiastical Nature of Terms
By accessing or using this website, or by participating in any program, service, or offering presented herein, you acknowledge and agree that you are entering into a religious and ecclesiastical relationship with The Nicole Denise Phillip Living Trust, a religious organization recognized under IRC 508(c)(1)(A).
These Terms are governed by ecclesiastical law, biblical principles, and the internal doctrines, policies, and governance of the Trust, and are not intended to create a secular commercial or consumer transaction.
If you do not agree to these Terms, you are prohibited from accessing or using this website or its materials.
All materials on this website are protected by applicable copyright, trademark, and ecclesiastical intellectual property protections, including the trademark Nicole Denise Phillip®.
2. Statement of Faith and Doctrine (Incorporation by Reference)
Participation in any Trust offering is subject to the Trust’s Statement of Faith, Doctrine, and Ecclesiastical Policies, which are hereby incorporated by reference as though fully set forth herein. The Trust retains sole authority to interpret and apply its doctrine, teachings, and spiritual practices.
3. Voluntary Participation and Assumption of Risk
Participation is voluntary and undertaken as an act of faith, spiritual discernment, and personal conviction. The participant assumes all risks, whether foreseeable or unforeseeable, arising from participation, including spiritual, emotional, or personal outcomes..
4. Use License
Permission is granted to temporarily access and download one (1) copy of the materials on this website for personal, faith-based, non-commercial, and transitory viewing only. This permission constitutes a limited license, not a transfer of title.
Under this license, you may not:
Modify, reproduce, or copy the materials;
Use the materials for any commercial purpose or public display;
Attempt to decompile, reverse engineer, or otherwise misuse any software or protected content;
Remove any copyright, trademark, or proprietary notices;
Transfer, sublicense, or mirror the materials on any other server or platform.
This license automatically terminates if any restriction is violated and may be terminated at any time by the Trust. Upon termination, all downloaded materials must be destroyed, whether in electronic or printed form.
5. Ecclesiastical Disclaimer
All materials on this website are provided “as is” and are religious, educational, and faith-based in nature. No warranties, express or implied, are made regarding accuracy, outcomes, or results.
The Trust expressly disclaims any implied warranties of merchantability, fitness for a particular purpose, or secular professional applicability. Nothing on this website constitutes legal, tax, financial, medical, or professional advice.
Participation and use are undertaken voluntarily and at the user’s own discretion and spiritual discernment.
6. Limitation of Liability
To the fullest extent permitted under applicable law and ecclesiastical doctrine, The Nicole Denise Phillip Living Trust, its trustees, agents, affiliates, and ministry partners shall not be liable for any damages arising from use of or inability to use this website or its materials, including but not limited to loss of data, loss of profits, or interruption of activities.
Some jurisdictions do not permit certain limitations; however, this website is operated as a religious ministry, and any interpretation of liability shall be consistent with First Amendment protections and ecclesiastical abstention principles.
7. Revisions and Corrections
Materials appearing on this website may contain typographical, technical, or visual inaccuracies. The Trust reserves the right to revise or update materials at any time without notice and does not commit to updating content on a fixed schedule.
8. External Links
This website may contain links to third-party websites. The Trust does not review, control, or endorse the content of any external site and is not responsible for any content, policies, or practices of such sites. Use of third-party websites is at your own risk.
9. Modifications to Terms
The Trust may revise these Terms and Conditions at any time without notice. Continued use of the website constitutes acceptance of the then-current version of these Terms.
10. Church Autonomy and Non-Entanglement Notice
Nothing contained herein shall be construed or interpreted to create a commercial relationship, consumer transaction, or secular professional engagement between the Parties. This website, and all programs, services, materials, and communications offered herein, are provided exclusively in furtherance of the religious mission of The Nicole Denise Phillip Living Trust.
Nothing herein shall be deemed to waive, limit, or diminish the Trust’s rights to religious autonomy, ecclesiastical governance, or the protections afforded under the First Amendment to the United States Constitution, including the right to determine matters of faith, doctrine, discipline, governance, and internal administration without secular interference.
11. Nature of Services and Religious Contribution
The Parties agree that the services to be rendered under this Agreement are in the nature of religious consulting, faith-based education, and spiritual instruction, provided in furtherance of the religious mission of The Nicole Denise Phillip Living Trust, a religious organization recognized under IRC 508(c)(1)(A).
The Client affirms that the Fee associated with this Agreement is a voluntary religious contribution made in support of the Trust’s religious mission and educational services. The Client represents that they have independently evaluated their ability to contribute such Fee, that the Fee is not unduly burdensome, and that the contribution is made freely and without coercion.
Upon execution of this Agreement, the Client agrees to remit the full annual contractual Fee set forth herein, regardless of whether the Client completes or participates in all services offered. The Client acknowledges that Nicole Denise Phillip, acting on behalf of the Trust, is not obligated to invoice the Client for payments due under this Agreement.
Payment receipts shall be provided electronically and delivered to the email address of record provided by the Client. The Client’s acceptance of this Agreement constitutes authorization for all charges set forth herein to be processed on the dates agreed upon.
In the event the Client elects to terminate participation prior to completion of the services, the Client acknowledges and agrees that the entire annual Fee shall remain due and payable immediately upon early termination, and no portion of the Fee shall be refunded.
The Client further acknowledges that, in the event of non-payment when due, the Client shall be responsible for all reasonable costs of collection, including attorney’s fees, court costs, arbitration fees, and any other costs incurred in enforcing this Agreement. Any unpaid balances may be subject to lawful collection efforts.
If the Client’s payment obligation becomes more than fifteen (15) days past due, the Client’s membership access and participation privileges may be suspended, and the entire remaining Fee shall become immediately due and payable.
Nicole Denise Phillip is a protected trademark owned by The Nicole Denise Phillip Living Trust, a religious organization recognized under IRC 508(c)(1)(A).
Coco Entertainment acts solely as an authorized agent for payment collection and administrative services on behalf of the Trust.
Contributions made pursuant to this Agreement are religious offerings and are not represented as tax-deductible charitable donations unless otherwise expressly stated in writing by the Trust.
12. Ministry Discipline and Removal
The Trust reserves the absolute right, under ecclesiastical authority, to suspend or remove any participant whose conduct is inconsistent with the Trust’s doctrine, mission, or spiritual order, without explanation or refund.
13. No Reliance / No Promissory Estoppel
Participants acknowledge they do not rely on any statements, teachings, prophetic words, or expressions as promises, guarantees, inducements, or representations of outcome.
14. Spiritual Language Interpretation
All spiritual language used is religious expression and symbolism and shall not be interpreted as secular claims, guarantees, or measurable outcomes.
15. Intellectual Property and Ecclesiastical Works
All teachings, materials, recordings, writings, downloads, and expressions are ecclesiastical works and Trust property, protected by copyright and trademark law, including Nicole Denise Phillip®. Materials are licensed for personal religious use only.
16. No Recording or Redistribution
Recording, reproducing, sharing, or redistributing any Trust content, live or recorded, without written consent is strictly prohibited.
17. Chargebacks and Payment Authorization
To the extent the Client provides credit card or electronic payment information in connection with this Agreement, the Client authorizes Nicole Denise Phillip, acting on behalf of The Nicole Denise Phillip Living Trust, to charge such payment method for all amounts due under this Agreement, including any past-due balances, late fees, or other charges authorized herein, on the dates payment is due. Separate authorization for each individual charge shall not be required.
The Client agrees not to initiate chargebacks, payment disputes, or payment reversals, nor cancel or suspend any authorized payment method provided as security for payment, without prior written consent and without first making alternative payment arrangements acceptable to Nicole Denise Phillip. The Client shall be responsible for all costs associated with chargebacks or payment disputes, including processing fees, collection costs, reasonable attorneys’ fees, court costs, and arbitration fees incurred as a result of such actions.
The Client acknowledges that any violation of this section constitutes a material breach of this Agreement. In the event of such breach, Nicole Denise Phillip may, in its sole discretion, suspend or terminate services. In all such cases, no refunds shall be issued and all outstanding amounts shall become immediately due and payable.
18. Late Fees and Declined Payments
Any balance not paid within five (5) days of the applicable due date shall incur a late fee equal to one percent (1%) of the past-due amount or Thirty-Five Dollars ($35.00), whichever is greater. Any declined or rejected payment shall be subject to a Twenty-Five Dollar ($25.00) administrative fee.
19. Limitation of Liability
By enrolling in or utilizing services provided by Nicole Denise Phillip, the Client agrees that such services are provided solely in the nature of religious education, faith-based consulting, and ministry instruction. The Client voluntarily assumes all risks, whether foreseeable or unforeseeable, associated with participation in the Program.
To the fullest extent permitted by law, the Client releases and holds harmless Nicole Denise Phillip, The Nicole Denise Phillip Living Trust, and all related trustees, officers, employees, agents, affiliates, successors, and assigns from any and all claims or damages arising from the provision of services under this Agreement. Under no circumstances shall Nicole Denise Phillip be liable for incidental, special, consequential, punitive, or exemplary damages.
In any event, total liability, if any, shall be limited to the lesser of (a) the total fees paid by the Client in the one (1) month period preceding the event giving rise to the claim or (b) One Thousand Dollars ($1,000.00).
20. No Guarantee of Results
The Client acknowledges that no guarantees are made regarding outcomes, results, or success arising from participation in the Program. The Client accepts full responsibility for their own progress and results. Nicole Denise Phillip makes no representations or warranties, express or implied, other than those expressly stated in this Agreement. Results may vary significantly among participants, and the Client accepts responsibility for such variance.
All implied warranties, including warranties of merchantability and fitness for a particular purpose, are expressly disclaimed.
21. Termination and Suspension
In the event the Client fails to make any payment when due or otherwise breaches this Agreement, all remaining amounts due shall become immediately payable. Nicole Denise Phillip may suspend or terminate services and pursue lawful collection remedies at its discretion.
If the Client is more than fifteen (15) days past due, or experiences repeated late payments (three or more instances during the Program), participation privileges may be suspended or terminated. Upon termination, the Client shall forfeit all benefits of the Program and shall not be entitled to any refund. The Client remains responsible for all costs of collection, including reasonable attorneys’ fees and court costs.
22. Confidentiality
“Confidential Information” includes all non-public information disclosed in connection with this Agreement. Confidential Information does not include information that (a) becomes publicly available without breach of this Agreement, (b) was lawfully possessed prior to disclosure, or (c) is lawfully obtained from a third party.
Both Parties agree to maintain the strict confidentiality of all Confidential Information and to use reasonable measures to prevent unauthorized disclosure. This obligation extends to information learned during group programs or interactions with other participants.
23. Non-Disparagement
The Parties agree that neither shall engage in conduct or communication, whether public or private, intended to disparage the other.
24. Indemnification
The Client agrees to indemnify and hold harmless Nicole Denise Phillip, The Nicole Denise Phillip Living Trust, and all related trustees, officers, affiliates, and agents from any claims, damages, liabilities, or expenses arising from the Client’s use of services, except to the extent caused by willful misconduct or gross negligence of Nicole Denise Phillip.
25. Controlling Agreement
This Agreement shall control over any conflicting marketing materials, representations, or communications, whether oral or written.
26. Professional Disclaimer
The services provided are religious and educational in nature and do not constitute legal, tax, accounting, or financial advice. The Client agrees to consult qualified professionals for such matters.
27. Governing Law and Venue
This Agreement is religious in nature and shall be governed first and foremost by ecclesiastical law, biblical principles, and the internal doctrines, policies, and procedures of The Nicole Denise Phillip Living Trust, a religious organization recognized under IRC 508(c)(1)(A).
The Parties agree that all disputes arising out of or related to this Agreement shall be submitted initially to private ecclesiastical resolution, including faith-based mediation or arbitration, and that such process shall be a mandatory condition precedent to any civil action.
Only if a dispute cannot be resolved through ecclesiastical means, and solely for purposes of enforcement of an ecclesiastical determination or collection of undisputed sums, may a civil action be brought in a court of competent jurisdiction located in Hillsborough County, Florida, and the Parties consent to such limited jurisdiction and venue.
28. Entire Agreement
This Agreement constitutes the entire agreement between the Parties and supersedes all prior agreements. Any modification must be in writing and signed by both Parties.
29. Survival and Severability
Provisions relating to payment, confidentiality, non-disparagement, indemnification, and proprietary rights shall survive termination. If any provision is found unenforceable, the remainder shall remain in effect.
30. Redeem in Lawful Money Clause
All payments, fees, contributions, or other amounts tendered in connection with this Agreement are accepted and receipted subject to redemption in lawful money of the United States, pursuant to 12 U.S.C. § 411 and all other applicable lawful money provisions.
The Parties acknowledge that any payment made through private banking systems, credit instruments, electronic funds transfer, or payment processors constitutes a method of settlement for convenience only and does not waive the right to lawful money redemption. No presumption of waiver, novation, or discharge beyond lawful settlement shall arise from the use of such instruments.
Nothing herein shall be construed to impair, waive, or diminish the Trust’s rights, ecclesiastical protections, or lawful remedies available under applicable law. Acceptance of any instrument or payment method shall not be construed as acceptance of debt, extension of credit, or waiver of any lawful or ecclesiastical rights.
31. Notice of Authorized Agent
Coco Entertainment acts solely as an authorized administrative and payment-collection agent on behalf of the Trust and holds no ownership interest in any Trust property or intellectual property.
32. Communications Consent
By participating, you consent to receive ministry-related communications via email, text, or platform messaging.
33. Force Majeure
The Trust shall not be liable for delays or failures due to events beyond its control, including acts of God, illness, government action, or technical failures.
34. Successors and Assignment
These Terms bind and benefit the Trust, its successors, trustees, and authorized agents.
35. Recordkeeping and Ecclesiastical Determinations
Internal records, determinations, and deliberations are confidential ecclesiastical records and not subject to external review.
36. Severability
If any provision is held unenforceable, the remainder shall remain effective.
37. Entire Agreement
These Terms constitute the entire agreement and supersede all prior communications. Modifications must be in writing by the Trust.
38. Headings for Convenience
Section headings are for convenience only and do not affect interpretation.
DESIGN PROCESS, TIMELINES & MEMBER CLIENT RESPONSIBILITIES
Design Timeline
Typical branding engagements require three (3) to six (6) months. Branding must be completed prior to the end of the engagement term.
Client Responsibilities
The Client agrees to:
Provide all requested materials (copy, images, videos) timely and in required formats
Provide necessary access credentials
Remain responsive and cooperative
Adhere to all payment obligations
Design Revisions
Clients have two (2) business days to provide feedback on drafts. Failure to respond constitutes approval. Two rounds of revisions within scope are included. Additional revisions may incur fees.
Print Work
Printing costs are the Client’s responsibility. Final approval is required prior to printing. Errors must be reported within 48 hours of receipt.
Fonts
Font licenses may require purchase by the Client for post-launch use.
Coding
Coding services are billed separately and must be prepaid. Use of approved coding services is required for quality assurance.
Additional Expenses
Additional costs may include printing, photography, videography, copywriting, and third-party platforms or integrations.
Notices & Contact
Questions regarding these Terms may be submitted through the contact information provided on this website or by mail, 3501 Bessie Coleman #22576 Blvd, Tampa, Florida 33622
Void Where Prohibited by Law
Any provision of these Terms, Notices, Agreements, or related documents shall be void only to the extent prohibited by applicable law, and only in the jurisdiction where such prohibition applies. All remaining provisions shall remain in full force and effect and shall be interpreted and enforced to the maximum extent permitted by law, consistent with the religious, ecclesiastical, and constitutional protections applicable to The Nicole Denise Phillip Living Trust.
Terms updated - December 16, 2025
