Effective Date: October 21, 2026

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Welcome to Lora Thorson and Fully Armed. These Terms & Conditions govern your use of websites, online courses, challenges, digital products, memberships, and related services provided by JNL Training LLC ("Company," "we," "us," or "our").

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By purchasing, enrolling in, or using our services, you agree to these Terms.

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1. Programs and Services

JNL Training LLC provides educational content, personal development programs, fitness challenges, self-defense education, and related services, including Fully Armed and the 10-Week Show Up Challenge.

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We reserve the right to update program content, schedules, and features as reasonably necessary.

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2. Participation and Personal Responsibility

Participation in our programs is voluntary.

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Our programs may include physical fitness, mindset development, personal readiness, and self-defense education. You are responsible for evaluating your physical abilities, personal circumstances, and readiness to participate.

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Consult a qualified healthcare professional before beginning physical activities if you have concerns about your health or physical limitations.

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Our educational materials are not substitutes for professional medical, mental health, or legal advice.

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Certain activities may require additional waivers or participation agreements.

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3. Purchases, Payments, and Refunds

All prices and payment terms are disclosed at checkout.

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By purchasing a product or service, you authorize the applicable charges.

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Refunds, cancellations, subscription renewals, and access periods are governed by the terms presented at the time of purchase or enrollment.

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Any recurring charges will be disclosed before enrollment, along with applicable cancellation instructions.

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4. Accounts and Program Access

Certain programs require an account or login credentials.

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You are responsible for maintaining the confidentiality of your account information.

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Purchased materials and program access are intended for individual use unless otherwise authorized.

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Sharing, reselling, or distributing account access or purchased materials without permission is prohibited.

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5. SMS and Text Messaging

By voluntarily opting in to receive text messages from Lora Thorson, you consent to receive automated SMS communications from JNL Training LLC within the scope of your selected consent.

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Depending on your preferences, messages may include:

• Course enrollment and access information.

• Challenge reminders and weekly updates.

• Educational encouragement and follow-up messages.

• Scheduling and program notifications.

• Occasional promotional offers, when you have consented to marketing messages.
   

Message frequency varies. Message and data rates may apply.

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You may opt out at any time by replying STOP to any text message. For assistance, reply HELP or contact contact@lorathorson.com.

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Consent to receive promotional text messages is not required to make a purchase or participate in a program.

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Carriers are not responsible for delayed or undelivered messages.

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We do not sell or share mobile numbers or SMS consent information with third parties for their own marketing purposes.

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For information about how we handle personal data, please review our Privacy Policy.

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6. Email Communications

By providing your email address, you may receive communications related to purchases, program participation, account access, and customer service.

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Where permitted, we may also send educational updates, announcements, and promotional emails.

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You may unsubscribe from marketing emails using the unsubscribe link provided in those messages.

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7. Intellectual Property

All original course materials, workbooks, videos, graphics, written content, and other resources provided by JNL Training LLC are protected by applicable intellectual property laws.

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Purchasing a product or enrolling in a program grants you a limited, personal, nontransferable right to use the materials for their intended purpose.

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You may not reproduce, distribute, resell, or commercially exploit these materials without written permission.

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8. Community Guidelines

Certain programs may include access to private communities, group discussions, or live sessions.

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Participants are expected to communicate respectfully, maintain the confidentiality of private discussions, and refrain from harassment or inappropriate conduct.

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We reserve the right to moderate participation and restrict access when community guidelines are violated, subject to applicable law and program-specific agreements.

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9. Results and Expectations

Our programs provide education, guidance, resources, and opportunities for personal growth.

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Individual results vary based on effort, participation, experience, and personal circumstances.

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We do not guarantee specific physical, personal, professional, or financial outcomes.

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10. Limitation of Liability

To the extent permitted by law, JNL Training LLC is not responsible for indirect, incidental, special, or consequential damages arising from the use of our websites, digital materials, or services.

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Nothing in these Terms excludes liability that cannot legally be excluded.

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Additional risk acknowledgments or liability provisions may apply to specific training activities or programs.

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11. Third-Party Services

We may use third-party platforms for payment processing, website hosting, course delivery, scheduling, and communications.

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Your use of those platforms may also be subject to their respective terms and privacy policies.

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12. Privacy

Your personal information is handled in accordance with our Privacy Policy.

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13. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, business practices, or legal requirements.

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Updates will be published on this page with a revised effective date. Material changes affecting existing purchases or subscriptions will be handled in accordance with applicable law.

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14. Governing Law

These Terms are governed by the laws of the State of Montana, United States, subject to applicable consumer protection laws and other mandatory legal requirements.

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15. Contact Information

JNL Training LLC
Montana, United States
Email: contact@lorathorson.com
Website: https://www.lorathorson.com