Terms of Service

PGE Inc. (doing business as "Wendy Yellen")

Effective Date: August 11, 2026 Last Updated: August 11, 2026

​

Welcome. These Terms of Service ("Terms") are a legal agreement between you and PGE Inc., doing business as Wendy Yellen ("Wendy Yellen," "we," "us," or "our"), and govern your access to and use of www.WendyYellen.com (the "Site"), our programs, coaching, courses, events, and other products and services (collectively, the "Services"), and your receipt of communications from us, including email and SMS/text messages.

Please read these Terms carefully. By accessing the Site, purchasing or participating in the Services, or opting in to receive communications from us, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site or the Services.

Section 13 contains our SMS Terms & Conditions. Sections 16 and 17 limit our liability, and Section 20 governs how disputes are resolved.

1. Who We Are

PGE Inc. is a corporation doing business as Wendy Yellen, with its principal place of business at 213 Ojo de la Vaca Rd, Santa Fe, NM 87508, United States. You can reach us at info@wendyyellen.com or 505-466-3933.

2. Eligibility

You must be at least 18 years of age, or the age of majority in your jurisdiction, to purchase the Services or to opt in to receive text messages from us. By using the Site or the Services, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. The Services

We offer coaching, training programs, courses, memberships, workshops, masterclasses, live and virtual events, digital products, and related content. The specific inclusions, duration, delivery format, and access period for each offering are described on the applicable sales, registration, or checkout page, and those descriptions are incorporated into these Terms.

We may modify, suspend, or discontinue any part of the Services at any time. Where a change materially affects a program you have already purchased, we will provide a comparable alternative or a fair adjustment.

4. Accounts and Access

Some Services require you to create an account or receive login credentials. You are responsible for keeping your credentials confidential and for all activity that occurs under your account. Access is personal to you and non-transferable. You may not share, resell, or provide access to your account, program materials, or membership content to any other person or organization. Notify us promptly at info@wendyyellen.com if you believe your account has been accessed without your authorization.

5. Purchases, Pricing, and Payment

All prices are stated in U.S. dollars unless otherwise noted. By submitting an order, you authorize us and our payment processors to charge the payment method you provide for the total amount of your purchase, including any applicable taxes and fees.

If you enroll in a payment plan or installment arrangement, you authorize recurring charges to your payment method on the schedule disclosed at checkout, and you agree to keep a valid payment method on file until the full balance is paid. Payment plan obligations represent the full purchase price and remain due even if you stop participating in the program. If a payment fails, we may retry the charge, suspend your access until the balance is brought current, and recover reasonable costs of collection.

Subscriptions and memberships renew automatically at the then-current rate until you cancel in accordance with the cancellation instructions provided at purchase.

We reserve the right to correct pricing errors and to change our prices at any time; changes do not affect purchases already completed.

6. Refunds and Cancellations

Our refund and cancellation policy is stated on the sales or checkout page for each offering, and that policy applies to your purchase. [INSERT YOUR STANDARD REFUND POLICY HERE — for example: "Unless otherwise stated at the point of purchase, all sales are final and no refunds are provided," or "A full refund is available within 14 days of purchase provided you have not accessed more than X% of the program materials."] Requests must be submitted to info@wendyyellen.com within the applicable window.

7. Scheduling, Sessions, and Attendance

Where the Services include live sessions, calls, or events, you are responsible for attending at the scheduled times and for observing any rescheduling or cancellation notice period communicated to you. Missed sessions are not refunded and are generally not rescheduled unless we agree otherwise in writing. Program materials, recordings, and access periods are made available for the duration stated at purchase.

8. Intellectual Property

All content made available through the Site and the Services — including course and program materials, videos, audio recordings, workbooks, worksheets, slides, frameworks, methodologies, written content, graphics, logos, and the Wendy Yellen name and marks — is owned by PGE Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms and payment in full, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the materials for your own personal or internal business development purposes for the applicable access period.

You may not copy, reproduce, republish, distribute, sell, license, rent, record, screen-share, transcribe, publicly display, or create derivative works from our materials, and you may not use them to build, teach, or market a competing program, without our prior written permission. This license terminates automatically if you breach these Terms.

9. Your Content and Feedback

You retain ownership of any content you submit to us, including questions, posts, assignments, testimonials, and materials shared in community spaces ("Your Content"). By submitting Your Content, you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, and display it as necessary to operate and deliver the Services.

If you provide a testimonial, review, or written or recorded feedback, or if you appear in a recording of a group session or event, you grant us permission to use your name, likeness, and statements in our marketing and promotional materials, unless you tell us in writing that you would prefer we not do so.

You represent that Your Content is yours to share and does not infringe the rights of any third party.

10. Confidentiality and Community Conduct

Coaching relationships and group programs depend on trust. You agree to keep confidential any personal or business information shared by other participants in a group setting, and not to record, republish, or disclose it outside the program without that person's consent. We extend the same respect to you, subject to our Privacy Policy and any legal obligation to disclose.

11. Acceptable Use

You agree not to: use the Site or Services for any unlawful purpose; harass, abuse, threaten, or discriminate against any participant, staff member, or contractor; misrepresent your identity or affiliation; interfere with or attempt to gain unauthorized access to the Site, our systems, or another user's account; introduce malware or harmful code; scrape, data-mine, or use automated means to access the Site; or infringe any intellectual property or privacy right.

We may suspend or terminate your access, without refund, if you violate this section.

12. Electronic Communications and Email

By providing your email address, you consent to receive communications from us electronically, including service and transactional messages relating to your purchases, account, and program participation. If you have opted in to marketing emails, you may unsubscribe at any time using the link in any marketing message; we may still send you transactional messages.

You agree that electronic communications, agreements, and notices satisfy any legal requirement that such communications be in writing.

13. SMS Terms & Conditions

These SMS Terms & Conditions govern our text messaging program and form part of these Terms of Service.

13.1 Program Description

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Wendy Yellen. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at https://www.WendyYellen.com/privacy-policy. Message HELP for help. Reply STOP to any message to opt out.

13.2 Types of Messages You May Receive

Depending on how you opted in and the consent you provided, you may receive the following types of text messages from us:

• Conversational and customer care messages — two-way replies to your questions, requests, and support inquiries

• Appointment and session reminders — reminders, confirmations, scheduling changes, and follow-ups for coaching sessions, calls, and bookings

• Program and account notifications — program access details, onboarding steps, deadlines, account updates, billing and payment notifications, and other service-related alerts

• Event and webinar notifications — registration confirmations, join links, start-time reminders, and replay notifications for masterclasses, workshops, and live events

• Marketing and promotional messages — announcements, offers, enrollment openings, and promotions related to our programs and services, sent only where you have consented to receive marketing messages

13.3 How to Opt In

You may opt in to our SMS program by submitting your mobile number through a web form, checkout page, or registration page on www.WendyYellen.com and affirmatively agreeing to receive text messages; by texting a designated keyword to our number; or by otherwise providing express written consent.

Consent to receive marketing text messages is not a condition of any purchase. You must be at least 18 years of age and the owner or authorized user of the mobile number you provide.

13.4 Message Frequency

Message frequency may vary. The number of messages you receive depends on the programs you enroll in, the appointments you schedule, and your interactions with us.

13.5 Cost

Message and data rates may apply. These charges are billed by and payable to your mobile service provider. Wendy Yellen does not charge for the text messages themselves. Please contact your wireless carrier for details about your messaging and data plan.

13.6 How to Opt Out

To opt out at any time, text STOP to any message you receive from us. You will receive a final message confirming your opt-out, after which you will no longer receive SMS messages from that program. You may also opt out by contacting us at info@wendyyellen.com or 505-466-3933.

To rejoin after opting out, sign up again through any of the opt-in methods described above, or text START or UNSTOP to the number you previously received messages from.

13.7 How to Get Help

For assistance, text HELP or visit our website at www.WendyYellen.com. You may also reach us by email at info@wendyyellen.com or by phone at 505-466-3933.

13.8 Supported Carriers and Carrier Liability

Our SMS program is available on most major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your wireless carrier and is not guaranteed by Wendy Yellen.

13.9 Privacy and SMS Consent

SMS consent is not shared with third parties. Text messaging originator opt-in data and consent are not shared with any third parties or affiliates for their own marketing or promotional purposes. Your mobile number and consent information are used solely by PGE Inc. (Wendy Yellen) to deliver the messages you requested, and are disclosed only to the messaging service providers necessary to transmit those messages on our behalf. No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes.

Visit https://www.WendyYellen.com/privacy-policy for our Privacy Policy and https://www.WendyYellen.com/terms for our Terms of Service.

13.10 Your Responsibilities

You agree to notify us promptly if you change or relinquish the mobile number you provided, so that we do not send messages to a number that has been reassigned to someone else. You are responsible for ensuring the number you provide is accurate and that you are authorized to receive messages at it.

13.11 Changes to the SMS Program

We may modify or cancel our SMS program, or any of its features, at any time, with or without notice.

14. Third-Party Services and Links

The Site and the Services may link to or rely on third-party platforms and tools, including payment processors, course hosting platforms, scheduling tools, video conferencing services, and communications providers such as RingCentral. We do not control those third parties and are not responsible for their content, availability, or practices. Your use of a third-party service is governed by that party's own terms and privacy policy.

15. No Guarantee of Results; No Professional Advice

Our Services are educational and developmental in nature. We do not guarantee any particular outcome, result, income, or level of success. Any examples, case studies, testimonials, or results shared by us or by other participants are illustrative and are not a promise or guarantee that you will achieve the same. Your results depend on many factors outside our control, including your own effort, circumstances, market conditions, and decisions.

The Services do not constitute and are not a substitute for medical, psychological, therapeutic, legal, accounting, tax, or financial advice. Coaching is not therapy or mental health treatment. You are solely responsible for your own decisions and actions, and you should consult a qualified licensed professional for advice specific to your situation. If you are experiencing a medical or mental health emergency, contact your local emergency services.

16. Disclaimer of Warranties

The Site and the Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site or the Services will be uninterrupted, timely, secure, or error-free, or that any content is accurate or complete.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

17. Limitation of Liability

To the fullest extent permitted by law, PGE Inc., Wendy Yellen, and our officers, directors, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, business, or goodwill, arising out of or relating to your use of the Site or the Services, whether based in contract, tort, warranty, or any other legal theory, even if we have been advised of the possibility of such damages.

Our total aggregate liability arising out of or relating to these Terms or the Services will not exceed the total amount you paid to us for the Service giving rise to the claim during the twelve (12) months preceding the event that gave rise to the claim.

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, so some of these limitations may not apply to you.

18. Indemnification

You agree to indemnify, defend, and hold harmless PGE Inc., Wendy Yellen, and our officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site or the Services, Your Content, your violation of these Terms, or your violation of any law or the rights of any third party.

19. Termination

You may stop using the Services at any time, subject to any outstanding payment obligations. We may suspend or terminate your access to the Site or the Services at any time, with or without notice, if you breach these Terms, if your conduct harms other participants or our business, or if we are required to do so by law. Sections 8, 9, 10, and 15 through 21 survive termination.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New Mexico, without regard to its conflict of laws principles. You and we agree that any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Santa Fe County, New Mexico, and you consent to the personal jurisdiction of those courts.

Before filing any claim, you agree to first contact us at info@wendyyellen.com and attempt in good faith to resolve the dispute informally for a period of thirty (30) days.

Nothing in this section prevents either party from seeking injunctive relief to protect intellectual property or confidential information, or from bringing an individual claim in small claims court.

21. General Provisions

Entire agreement. These Terms, together with our Privacy Policy and any program-specific agreement or order page you accept, constitute the entire agreement between you and us regarding the Services.

Severability. If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control.

Changes to these Terms. We may update these Terms from time to time. Changes take effect when posted to this page, and the "Last Updated" date above will be revised. Your continued use of the Site or the Services after an update constitutes acceptance of the revised Terms.

22. Contact Us

PGE Inc. (dba Wendy Yellen) 213 Ojo de la Vaca Rd Santa Fe, NM 87508 United States Email: info@wendyyellen.com Phone: 505-466-3933 Website: https://www.WendyYellen.com

Appendix: Consent Language for Web Forms

Place the following directly beside the checkbox or consent field on any form that collects a mobile number:

 

By checking this box and providing my mobile number, I agree to receive text messages from Wendy Yellen (PGE Inc.), including appointment reminders, program and account notifications, event details, customer care replies, and marketing messages. Consent is not a condition of purchase. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy and Terms of Service.

Implementation notes: The consent checkbox must be unchecked by default and must not be bundled with any other agreement. The Privacy Policy link must appear directly next to this consent language. Include a Privacy Policy link in the footer of every page on the website.