Terms & Conditions
Updated on: November 23, 2025
Site and Business Covered: https://whatifnetwork.com and What If Network LLC
Please read these Terms & Conditions carefully and in their entirety before using https://whatifnetwork.com (hereinafter referred to as the “Site”). The Site and its content are owned by What If Network LLC.
PURPOSE: These Terms & Conditions are here to clearly explain, outline, and layout the rules, terms, and conditions of using, viewing, and/or browsing the Site and/or purchasing or downloading any course, program, service, or product offered on or by us or the Site.
IMPORTANT NOTES:
By using the Site in any capacity, you voluntarily agree to these Terms & Conditions. You agree that you have read, understood, and consented to these Terms & Conditions. If you have any questions, please contact us at hello@whatifnetwork.com.
You must be at least 18 years old and be able to consent to these Terms & Conditions. If you are under the age of 18, or you do not agree with these Terms & Conditions as stated herein, please STOP now and do not use this Site or its content. By using the Site, you agree to the Terms & Conditions as stated herein, regardless of whether or not you have read these Terms & Conditions.
These Terms & Conditions contain an Arbitration Clause and require you to dispute or resolve any claim with us through Arbitration. By agreeing to these Terms & Conditions, you agree to the Arbitration Clause in Paragraph No. 18 and voluntarily waive your right to a jury trial.
By proceeding on the Site, you hereby agree to the following:
1. Definitions:
“Company”, “We”, “I”, “Our”, or “Us” means What If Network LLC and our website, https://whatifnetwork.com.
“Content” means any and all written, visual, video, or audio information contained on the Site, including, but not limited to, any and all emails received from Shayla Hurst, What If Network LLC, and/or https://whatifnetwork.com, and any and all written or downloadable material purchased, viewed, or otherwise offered by What If Network LLC and/or on https://whatifnetwork.com, including, but not limited to, blog posts, graphics, newsletters, designs, documents, information, templates and materials.
“Personal Information” means information that can be used on its own or in conjunction with other information to identify, contact, or locate a person, or to identify an individual in context. For example, personal information includes, among other things, your name, mailing address, email address, telephone number, city and state or country, account or profile information (such as a username, profile photo, or short bio), and any information you choose to provide in forms, surveys, community spaces that can reasonably be linked to you, etc.
“Site, Courses, Services, and/or Products” means https://whatifnetwork.com, Content (as defined herein), email list and newsletters, social media posts, blog posts, online community spaces (such as our Mighty Networks community), memberships or membership-based programs, courses, group programs or pilot cohorts, guides, challenges, checklists, planning tools, forms, worksheets, workbooks, webinars, virtual events, summits, and conferences, video or audio recordings, website materials, and/or templates or downloads available on or through the Site.
“Site” means https://whatifnetwork.com and any and all of its associated pages, tabs, landing pages, forms, or sub-pages.
“You” or “Your” means the user, customer, or viewer of the Site.
2. Consent:
By using the Site and/or making any Purchase, you implicitly and voluntarily agree to act in accordance with, and abide by, these Terms & Conditions, our Privacy Policy, and Disclaimer.
By using the Site and/or making any Purchase, you represent and warrant that you are at least 18 years-old. Any use of, or access to, the Site and its Content by anyone under the age of 18 is unauthorized and in direct violation of these Terms & Conditions our Privacy Policy.
3. Site Rules:
By using the Site and/or making any Purchase, you hereby agree and consent not to:
Abuse, harass, or intentionally harm any person through or on the Site or in any related community spaces.
Post or transmit obscene, offensive, libelous, defamatory, pornographic, or abusive content, or content that infringes our intellectual property rights or those of another person, website, or company.
Use the Site or Services in any way or for any purpose that violates any law of the United States or the jurisdiction in which you use the Site.
Post or transmit any “spam” or unwanted, unsolicited content, including bulk or repetitive messages.
Post copyrighted materials, photographs, or other content that do not belong to you or that you do not have permission to use.
Promote or sell your own content, services, or products through the Site or community spaces, or the content, services, or products of anyone else, without our prior written consent.
Copy, download, share, post, or transmit our intellectual property in any way that infringes on our intellectual property rights.
Share, repost, or distribute other members’ personal information, stories, or community posts outside of the Site or community spaces without their explicit permission.
Post content that expresses or promotes hate, discrimination, or violence toward any individual or group based on characteristics such as race, ethnicity, national origin, religion, disability, gender, sexual orientation, or family status.
Impersonate any person or entity, or misrepresent your affiliation with any person or entity, while using the Site or community spaces.
Use the Site, Courses, Services, and/or Products to collect personal information about other users for any purpose not expressly permitted by us, including marketing or data-mining.
4. DISCLAIMER:
By using the Site, you understand that we are professionals with experience in resilience, disaster recovery, and business continuity planning, and that we also draw on our own lived experience navigating family, caregiving, and everyday “what ifs.” We are not attorneys, CPAs, accountants, financial advisors, physicians, mental health professionals, emergency management or public safety professionals, or any other licensed provider offering individualized advice. You should consult appropriately qualified professionals in those areas (including legal, financial, medical, mental health, and emergency preparedness) where you live or work to discuss questions about your particular situation.
Our Content is for general informational and educational purposes only, is based on our professional and personal experience and research, and is not a substitute for professional advice, diagnosis, or treatment.
5. Your Consent to These Terms & Conditions:
By using this Site, or Purchasing or Downloading from our Site, Courses, Services, and/or Products, you implicitly and voluntarily agree to these Terms & Conditions as stated herein.
6. Changes To These Terms & Conditions:
We reserve the right to change, amend, or otherwise alter these Terms & Conditions at any time without notice to you. When changes are made to these Terms & Conditions, we will update the “Updated on” date at the bottom of this page. If you do not agree with these Terms & Conditions, please do NOT use our Site, read or implement its Content, or Purchase or Download anything from us.
7. Links to Third-Party or External Websites:
The Site may contain or include website URL links to third-party or external websites. Typically, these URL links are provided so that you may directly access a site that contains relevant information. Please note we are not liable for any of the information contained on or within the third-party or external websites. We are not responsible for the way they handle your personal information, whether they have a privacy policy, or any information you provide to them by visiting their website. You are responsible for reading and agreeing to, or expressing disagreement with, the external website’s privacy policy or terms & conditions.
8. Intellectual Property Ownership:
Unless otherwise indicated, the Site and the Content (as defined in these Terms), including text, graphics, images, videos, worksheets, checklists, downloads, and other materials we provide, are owned by or licensed to What If Network LLC and are protected by United States copyright, trademark, and other intellectual property laws, as well as applicable state laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any portion of the Site or Content for any commercial purpose without our prior written consent, except as expressly permitted in these Terms.
9. Our Limited License to You:
If you view, access, or Purchase the Site, Courses, Services, and/or Products, you are considered our Limited Licensee (“Licensee”). As a Licensee, you agree and understand that the Site, Courses, Services, and/or Products have been written, created, drafted, invented, and developed by us after a significant investment of time, money, education, hard work, and brainpower. The Site, Courses, Services, and/or Products are extremely valuable to us, both professionally and personally, and we take the protection of our Site, Courses, Services, and/or Products very seriously.
You may not use the Site, Courses, Services, and/or Products in any manner that is unauthorized, improper, against these Terms & Conditions or our Privacy Policy, or which violate U.S. intellectual property laws unless authorized by us in writing beforehand.
10. Your License to Us:
By commenting on the Site or submitting documents to What If Network LLC via contact form, email, or social media, you represent that you are the lawful owner of said documents, statements, and/or the information they contain. You grant us a license to use your comments or submissions in any way we see fit, as it relates to our business purposes.
11. Purchase & Access Terms:
During your use of the Site and any Courses, Services, memberships, programs, or Products that you purchase or download, you agree that you will not distribute, copy, forward, or share any materials in a way that is not expressly permitted by these Terms. The license we grant you is for your personal, non-commercial use only, unless we clearly state otherwise in writing for a specific offering.
You also agree to take reasonable steps to prevent unauthorized access to any purchased or downloaded materials, including protecting any usernames and passwords you use to access the Site or related platforms. If you know or suspect that your account has been compromised, you agree to notify us as soon as reasonably possible so we can help protect your access.
Unauthorized sharing, copying, or distribution of our materials, or allowing others to access paid materials using your account, is a violation of these Terms and may result in suspension or termination of your access and/or other remedies available to us under applicable law.
12. Sharing the Site & Its Content:
You must request and receive written permission by email hello@whatifnetwork.com before sharing our Site and its Content for commercial purposes. You may share the site for personal purposes, but we ask that you link directly to the Site. You are required to give us and the Site credit by linking to the Site and its Content if you share it on social media or your own website, including all photographs. Since the Site and its Content are not yours, you may not in any way imply or represent that the Site or its Content are yours or that you in any way created, caused, or contributed to the Site or its Content. You may not make any claims that you are in any way associated with What If Network LLC.
13. No Claims Made Regarding Results:
Any and all current or past-client testimonials, statements, or examples used by us are simply that: examples. They are not guarantees that you will also experience or receive the same results. Each client and his/her circumstances are unique and nothing shall be interpreted as a guarantee that you will experience the same results as another client of ours.
14. DISCLAIMER - No Warrantees, Guarantees, or Representations Are Being Made:
We do not offer any warranties, of any variety, regarding the Site, Courses, Services, and/or Products, and/or your Purchase or Download, in any way. The Site, Courses, Services, and/or Products, and/or your Purchases or Downloads are offered “AS IS” and without warranties of any kind, neither express nor implied, to the extent permitted by law.
15. Your Release of Us:
By using the Site or Purchasing, Downloading, or using What If Network LLC’s Courses, Services, and Products, you agree to release, forgive, and forever discharge What If Network LLC, its subsidiaries, employees, agents, contractors, subcontractors, and affiliates from any and all claims, suits, actions, charges, demands, liabilities, damages, judgments, and/or costs, whether known or unknown, both legal and equitable in any manner.
16. Errors & Omissions:
Every effort is made to provide up-to-date accurate information both on the Site and through our services. However, due to the complexity of the issues we cover, What If Network LLC does not and cannot warrant, represent, or guarantee that such information is free from errors, accurate, or up-to-date at all times. You should do your due diligence, research, or consult with a professional to ensure that all information you receive, act upon, or rely on from this Site and/or from our services is accurate and up-to-date.
17. Our Refund Policy:
At this time, some pilot programs or other offerings may be provided at no charge; in those cases, no payments are collected and no refunds are applicable. For any paid Courses, Services, memberships, programs, or Products, any specific refund or cancellation terms will be described at the point of purchase and are incorporated into these Terms by reference. Please review those terms carefully before completing your Purchase.
Unless we expressly state a different refund policy for a particular offering, all sales are final once you have been granted access to the relevant Course, Service, membership, program, or Product, and refunds are not provided for digital or access based content that has already been delivered or made available to you. This includes, without limitation, live or recorded sessions you attended or could have attended, downloadable materials, and access to online community spaces or member areas.
We are committed to doing what we can, within reason, to support a positive experience. If you have any questions or concerns about a Purchase, or if there is anything we can do to make your experience more helpful, please contact us at at hello@whatifnetwork.com.
18. ARBITRATION CLAUSE:
If you have any complaint or should any issue arise in the use of the Site or What If Network LLC’s Courses, Services, and/or Products, please contact us directly first by emailing Shayla at hello@whatifnetwork.com.
However, if we are unable to amicably resolve your dispute in that manner, you agree that you and What If Network LLC shall submit your dispute to binding arbitration with the American Arbitration Association, before an arbitrator that is mutually agreed upon, in accordance with the American Arbitration Association’s (“AAA”) rules.
By agreeing to this term, you hereby agree and understand that you’re waiving your right to a jury trial in court, which would otherwise be available to you if not for this Arbitration Clause. Should any arbitration hearing need to be held, it shall be held within 20 miles of Memphis, Tennessee.
If the arbitrator issues an award and a judgment is made, the judgment will be binding and will be entered in court in the State of Tennessee. The only award that can be issued to you is a refund of any payment made to What If Network LLC for the applicable Product or Service. You are not permitted to seek additional damages, including consequential or punitive damages.
19. Consent to Governing Law:
These Terms & Conditions, and any dispute arising out of it, shall be governed by the laws of the State of Tennessee.
20. Consent to Jurisdiction:
You hereby irrevocably consent to the exclusive jurisdiction and venue of any Federal Court in the United States District Court for the District of Tennessee or a state court located within the State of Tennessee in connection with any matter arising out of these Terms & Conditions, Privacy Policy, Disclaimer, or as a result of your use, Download, or Purchase from the Site, Courses, Services, and/or Products.
21. Consent to Service:
You hereby irrevocably agree that process may be served on you in any manner authorized by the Laws of the State of Tennessee for such persons, and you waive any objection which you might otherwise have to service of process under the laws of the State of Tennessee.
22. Payment & Purchases:
At this time, some pilot programs or offerings may be provided at no charge; in those cases, you will not be asked to provide payment information. From time to time, we may offer paid Courses, Services, memberships, programs, or other Products through the Site or through third-party platforms. When you purchase any paid Course, Service, membership, program, or other Product from us, you will be required to provide current, valid payment information (such as a credit or debit card or another payment method that we make available). Payments are processed by our third-party payment processors (for example, platforms such as Mighty Networks, Squarespace Commerce, Stripe, or similar providers). By submitting your payment information, you authorize us and/or our payment processor(s) to charge the total amount due to the payment method you provide, including any applicable taxes and any recurring payments that you have agreed to at checkout. You will receive an electronic confirmation or receipt for each paid transaction, which you should retain for your records.
If you elect an installment plan or “pay over time” option at checkout (if offered), you agree that we and/or our payment processor(s) have permission to automatically charge the payment method you provide for each installment on the date(s) shown to you at checkout, without additional notice before each charge, until the total amount due has been paid. You are responsible for ensuring that your payment information remains current and that sufficient funds are available for each installment.
If your payment method fails or is otherwise declined, we may suspend or remove your access to any related Courses, Services, memberships, programs, or Products until payment is successfully processed. You agree that you remain responsible for the full amount of any Purchase that you have committed to, including any remaining installments, unless we expressly state otherwise in our refund or cancellation policy for that specific offering.
We ask that you contact us first if you have any questions or concerns about a charge so that we have an opportunity to resolve the issue. You agree not to make any frivolous or bad-faith chargeback requests. We reserve the right to dispute any chargeback with the payment processor and to provide documentation showing that valid authorization was obtained for the Purchase.
Payment processing companies may have different terms, conditions, and privacy practices than we do. Your use of any third-party payment processor is governed by that company’s own terms and privacy policy, and we encourage you to review them. As with any online purchase, there are circumstances beyond our control that could affect the security of your payment method. To the fullest extent permitted by law, we are not liable for any damages arising out of or related to the use of third-party payment processors, data breaches, or unauthorized access to your payment information that occur outside of our reasonable control.
By making a Purchase through the Site or our third-party platforms, you agree to this Payment & Purchases section and authorize the charges described above.
23. Limitation of Liability:
What If Network LLC is not responsible or liable in any way for any and all damages you receive directly or indirectly from your use, Purchase, or Download from our Site, Courses, Services, and/or Products. We do not assume liability for damages, injuries, harm, death, misuse of (or failure to properly use) information or documents, due to any act, or failure to act, by you. Notwithstanding anything to the contrary contained herein, your sole and exclusive remedy for negligence, failure to perform, or breach by us shall be a refund of the amount paid for such service or product. IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES.
24. Defense & Indemnification
You shall, at all times, indemnify, defend, and hold harmless What If Network LLC, Shayla Hurst, and all of our shareholders, officers, members, affiliates, contractors, subcontractors, directors, assignees, employees, and licensees from and against all losses, damages, injuries, delays, deaths, lost profits, and expenses arising out of any proceeding (a) brought by either a third-party or by What If Network LLC and Shayla Hurst (b) arising out of your breach of your obligations, representations, warranties, or covenants under these Terms & Conditions or the Privacy Policy; and (c) arising out of any alleged breach or negligence said to have been committed by us.
25. Termination of Your Use
At our sole discretion, we are permitted to terminate your use or access to the Site, Courses, Services, and/or Products, and Purchases/Downloads if you abuse, violate, or breach any of these Terms & Conditions, Privacy Policy, Disclaimer, or any other terms to which you have agreed to.
26. Entire Agreement
These Terms & Conditions, our Privacy Policy, and Disclaimer, constitute the entire agreement between you and us with respect to the Site, Courses, Services, and/or Products, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us with respect to the Site, Courses, Services, and/or Products.
27. Severability
The provisions of these Terms & Conditions are severable, and the invalidity or unenforceability of any provision shall not affect the validity and enforceability of any other provision herein. If any paragraph, section, subsection, sentence, or clause of these Terms & Conditions are rendered illegal, invalid, or unenforceable, such illegality, invalidity, or unenforceability shall have no effect on these Terms & Conditions as a whole or on any other paragraph, section, subsection, sentence, or clause herein.
28. Your Privacy & Security on the Site:
Please read our Privacy Policy for how we handle your personal information.]
29. Contact
If you have any questions or concerns regarding these Terms & Conditions, you may contact us using the following information:
Email: Shayla at hello@whatifnetwork.com
Business Address: 116 Agnes Rd, STE 200, Knoxville, TN 37919
Updated on November 23, 2025