Terms & Conditions

Effective Date: September 5, 2026
Last Updated: September 5, 2026

Welcome to Life In Check.

These Terms & Conditions (“Terms”) govern your use of lifeincheck.online, your interactions with Life In Check, and, where applicable, your participation in Life In Check programs and services.

By accessing our website, scheduling a call, enrolling a child in services, purchasing services, or otherwise using Life In Check, you agree to these Terms.

If you do not agree with these Terms, please do not use our website or services.

1. About Life In Check

Life In Check provides online chess instruction for children.

Our instructional approach is designed to teach children chess while deliberately creating opportunities for them to practice thinking, planning, decision-making, problem-solving, persistence, self-control, and related thinking habits through the game.

Life In Check is not primarily an elite tournament academy, chess-rating acceleration program, or professional title-development program.

2. Parents and Legal Guardians

Life In Check serves children, but our website, scheduling, enrollment, purchasing, and contractual relationship are intended to be handled by a parent or legal guardian.

By scheduling a call, enrolling a child, purchasing services, or otherwise acting on behalf of a child, you represent that:

You are at least 18 years old
You are the child’s parent, legal guardian, or otherwise legally authorized to make decisions on the child’s behalf
The information you provide is accurate to the best of your knowledge
You have authority to agree to these Terms on behalf of yourself and, where applicable, the participating child

Children may not independently purchase Life In Check services.

3. Free Parent Calls and Assessments

Life In Check may offer a free introductory call to learn about your child, their interest in chess, prior experience, and whether Life In Check may be a good fit.

If your child already knows how to play chess, we may ask them to participate in part of the call for a brief live assessment of their current understanding and foundation.

Such assessments are intended solely to help Life In Check determine an appropriate starting point.

They are not:

Formal chess ratings
Tournament certifications
Educational, psychological, or medical evaluations
Guarantees of future chess performance
Guarantees of admission or enrollment

Scheduling or completing a free call does not obligate you to purchase services and does not obligate Life In Check to accept a student.

4. Enrollment and Services

Enrollment is subject to availability, fit, scheduling, and any additional terms presented at the time of enrollment.

Specific services may include individual instruction, group instruction, assessments, learning materials, online resources, or other educational offerings.

Life In Check may determine that a child is not an appropriate fit for a particular program or may recommend a different starting point based on the child’s existing experience.

We reserve the right to decline or discontinue service where reasonably necessary, including where:

The service is not an appropriate fit for the student
A participant repeatedly disrupts instruction
Payment obligations are not met
A parent, guardian, or student engages in abusive, threatening, fraudulent, or inappropriate conduct
Continued participation would materially interfere with the experience of other students or instructors

Any prepaid amounts affected by a discontinuation initiated by Life In Check will be handled according to the applicable enrollment or purchase terms and applicable law.

5. Fees, Payments, Cancellations, and Refunds

Prices, billing arrangements, payment schedules, cancellation rules, rescheduling policies, refund terms, package expiration terms, and other commercial conditions will be disclosed when you purchase or enroll in a Life In Check service.

Those purchase or enrollment terms are incorporated into these Terms.

If specific written enrollment or purchase terms conflict with these general Terms regarding payment, scheduling, cancellations, refunds, or service delivery, the more specific enrollment or purchase terms will control.

You are responsible for providing accurate and current payment information where payment is required.

Failure to make required payments may result in suspension or termination of services.

6. Online Lessons and Technology

Life In Check primarily provides instruction online.

You are responsible for providing, as reasonably necessary:

A compatible computer, tablet, or device
A reliable internet connection
Any required video-conferencing software or browser access
A suitable location for the child to participate
Any chess equipment or materials identified as necessary for a lesson

Life In Check cannot guarantee uninterrupted access to third-party internet, telecommunications, video-conferencing, or technology services.

If a lesson is materially interrupted by a technical problem, the resolution will depend on the circumstances and any applicable scheduling or service policy.

7. Parent and Student Responsibilities

Parents and guardians are responsible for determining whether Life In Check is appropriate for their child.

Participants are expected to:

Treat instructors and other students respectfully
Participate in good faith
Avoid intentionally disruptive behavior
Use Life In Check technology and materials appropriately
Follow reasonable instructional and safety directions

Parents remain responsible for the supervision, safety, and welfare of their children while participating in online services.

Life In Check does not assume physical custody or supervision of children merely because a child is attending an online lesson.

8. Educational Outcomes and No Guarantees

Life In Check creates structured opportunities for children to learn and practice.

However, every child develops differently.

We do not guarantee:

A particular chess rating
Tournament success
Trophies, titles, or competitive results
A particular academic outcome
A specific improvement within a particular period
Increased intelligence
Psychological, behavioral, or educational transformation
Any specific life outcome

Student progress may depend on many factors, including participation, practice, engagement, age, prior experience, individual development, attendance, and circumstances outside Life In Check’s control.

Life In Check does not claim that chess automatically produces broader cognitive or developmental benefits.

Our broader instructional goals arise from how the game is taught and practiced, not from simply playing chess.

9. Not Medical, Psychological, or Professional Treatment

Life In Check provides chess instruction and educational experiences.

We do not provide:

Medical treatment
Mental-health treatment
Psychological assessment
Therapy
Special-education diagnosis
Academic diagnosis
Professional healthcare advice

Nothing on our website or in our programs should be interpreted as a substitute for advice or services from appropriately qualified professionals.

10. Intellectual Property

The Life In Check name, branding, curriculum, instructional methods, written materials, lesson structures, exercises, graphics, videos, worksheets, website content, and other original materials are owned by or licensed to Life In Check and are protected by applicable intellectual-property laws.

Unless we give you written permission, you may not:

Copy or reproduce our curriculum or instructional materials
Sell, sublicense, distribute, or republish our materials
Record and redistribute lessons
Create competing instructional products substantially derived from Life In Check materials
Remove copyright, trademark, or ownership notices
Use Life In Check branding in a way that falsely implies affiliation or endorsement

Materials provided to a student are for that student’s personal educational use unless otherwise stated.

11. Recording Lessons

All live Life In Check instructional sessions are recorded for operational, educational, quality-control, and recordkeeping purposes.

By enrolling a child in Life In Check, the parent or legal guardian acknowledges and consents to the recording of the child’s participation in Life In Check sessions, including the child’s image and voice.

Depending on the Life In Check membership selected, members may receive access to recordings of their student’s sessions for personal review and continued learning. Recording access, availability, retention periods, and other applicable conditions may vary by membership.

Session recordings may contain proprietary Life In Check curriculum, instructional methods, exercises, and other protected materials. Recordings provided to members are for the student’s and household’s personal educational use only and may not be publicly posted, redistributed, sold, reproduced for commercial purposes, or shared outside the household without prior written permission from Life In Check.

Life In Check will not use identifiable recordings of a child for advertising, promotional, testimonial, or other public-facing purposes without separate authorization from the child’s parent or legal guardian.

While Life In Check intends to record all instructional sessions, we cannot guarantee that every recording will be successfully created or remain available due to technical failures, platform interruptions, file corruption, or other circumstances outside our reasonable control.

12. Testimonials, Feedback, and Submitted Materials

If you voluntarily provide feedback, reviews, testimonials, photographs, videos, or other materials, Life In Check will not publicly use identifiable promotional material involving you or your child unless we have appropriate permission to do so.

Where permission is granted, the scope of permitted use may be governed by a separate release or authorization.

You retain ownership of materials you own unless otherwise agreed.

13. Website Content

We attempt to keep information on our website accurate and current.

However, website content may occasionally contain errors, omissions, outdated information, or technical problems.

We may modify:

Website content
Program descriptions
Scheduling
Availability
Pricing
Services
Features
Policies

as the business evolves.

A website description does not create a guarantee unless we expressly state otherwise in a binding written agreement.

14. Acceptable Use

You agree not to use our website or services to:

Violate applicable law
Harass or threaten others
Attempt unauthorized access to systems or accounts
Transmit malware or malicious code
Interfere with website or service operation
Commit fraud or impersonate another person
Scrape, reproduce, or commercially exploit our proprietary content without permission
Misuse another participant’s personal information
Engage in conduct that creates unreasonable risk to Life In Check, its instructors, students, families, or service providers

15. Email and Text Communications

If you provide contact information, Life In Check may communicate with you regarding appointments, inquiries, enrollment, services, transactions, and customer support.

If you separately consent to marketing communications, we may also send educational content, announcements, promotions, special offers, and other marketing communications.

Marketing consent is not a condition of purchasing Life In Check services where prohibited by law.

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

You may opt out of marketing text messages by following the opt-out instructions provided, including replying STOP where applicable.

Additional information about our communication and data practices appears in our Privacy Policy.

16. Privacy

Your privacy is important to us.

Our collection, use, retention, and disclosure of personal information are described in our Privacy Policy, which is incorporated into these Terms by reference.

By using our website or services, you acknowledge that you have had an opportunity to review the Privacy Policy.

17. Third-Party Services

Life In Check may use third-party providers for:

Website hosting
Scheduling
Customer relationship management
Email
Text messaging
Video conferencing
Payment processing
Analytics
Other operational services

Your use of certain third-party platforms may also be governed by those providers’ terms and policies.

Life In Check is not responsible for outages, errors, acts, omissions, or policies of third-party providers that are outside our reasonable control.

18. Links to Third-Party Websites

Our website or communications may contain links to third-party websites or resources.

Providing a link does not necessarily mean Life In Check endorses that third party.

We are not responsible for third-party content, security, availability, products, services, or privacy practices.

19. Disclaimer of Warranties

To the maximum extent permitted by applicable law, our website and services are provided on an “as available” basis.

Life In Check makes no warranty that:

The website will always be available or error-free
Every student will achieve a particular result
Services will satisfy every individual expectation
Third-party platforms will operate without interruption

Nothing in these Terms excludes warranties or consumer protections that cannot legally be excluded.

20. Limitation of Liability

To the maximum extent permitted by applicable law, Life In Check will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of the website or services.

Where liability cannot legally be excluded, Life In Check’s liability will be limited only to the extent permitted by applicable law.

Nothing in these Terms is intended to waive rights or remedies that cannot lawfully be waived under applicable consumer-protection law.

21. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Life In Check and its owners, employees, contractors, and agents from claims, losses, liabilities, or expenses arising from:

Your violation of these Terms
Your unlawful use of our website or services
Your infringement of another person’s rights
Information or materials you submit unlawfully

This provision does not apply where prohibited by law.

22. Suspension or Termination

We may suspend or terminate access to our website or services where reasonably necessary because of:

Violation of these Terms
Nonpayment
Fraud
Misuse
Abusive or threatening behavior
Security concerns
Legal requirements
Conduct materially inconsistent with the safe or effective delivery of our services

Termination does not eliminate obligations that arose before termination.

Provisions that by their nature are intended to survive termination will remain effective.

23. Changes to These Terms

Life In Check may update these Terms as our services, technology, business practices, or legal obligations change.

The current version will display a revised Last Updated date.

Material changes may be communicated through the website, email, or another reasonable method where appropriate or required.

Continued use of the website after an effective update constitutes acceptance of the revised website Terms to the extent permitted by law.

Changes affecting an existing paid service or contractual commitment will be handled in accordance with applicable law and any specific agreement governing that service.

24. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where another jurisdiction’s consumer-protection laws must legally apply.

Any legal proceeding concerning these Terms will be handled in an appropriate court having lawful jurisdiction.

25. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

26. No Waiver

If Life In Check does not immediately enforce a provision of these Terms, that does not mean we waive our right to enforce it later.

27. Entire Agreement

These Terms, together with our Privacy Policy and any applicable written enrollment, purchase, payment, cancellation, or service terms, constitute the agreement governing your use of Life In Check.

Where a specific written service agreement conflicts with these general website Terms regarding the purchased service, the specific service agreement will control.