Please read the following terms of use relating to your use of this site, and all the sites listed below under our brand, carefully. By using these sites, you agree to these terms of use. We reserve the right to modify these terms at any time, so please check this page periodically for changes. By using these sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this site or any of our sites.

T.A. Gelfand, otherwise known as, Annie Gelfand, (“us”, “we”, or “our”) operates the and website (the “Service”).

These terms of use apply to your use of all of the Sites and services owned or operated by Annie Gelfand, (collectively “we,” “us,” or “our”), including,, and any other site that we have owned or operated, do own and operate or may own or operate in the future (collectively, the “Sites”). Unless we say otherwise, all references to the Sites in these terms of use include all such Sites. These terms of use do not apply to your use of unaffiliated Sites to which any of the Sites may link to or direct you to.

The content of is for general information purposes only and does not constitute advice. Annie Gelfand, Tammy Gelfand, Radical Wisdom, Essence of Mastery Summit or any other name under which Tammy Gelfand operates her business, (hereafter referred to as ‘Radical Wisdom’) tries to provide content that is true and accurate as of the date of the writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to should not act upon its content or information without first seeking appropriate professional advice.

The Service tries to provide content that is true and accurate as of the date of the writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to should not act upon its content or information without first seeking appropriate professional advice.

Annie Gelfand,, are not intended to be a source for advice without consultation. Visitors to and should always seek the advice of an appropriately qualified professional. Radical Wisdom assumes no responsibility for information contained on this website and disclaims all liability in respect of such information. In addition, none of, content will form any part of any contract between us or constitute any type of offer by, Specific disclaimers may apply in addition to certain content or parts of the site.

Radical Wisdom accepts no responsibility for and excludes all liability in connection with browsing this website, use of information or downloading any materials from it, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. The information at this website might include opinions or views which, unless expressly stated otherwise, are not necessarily those of, or any associated company or any person in relation to whom they would have any liability or responsibility.

All content and information at, and might be changed or updated without notice., and might also make changes or improvements at any time without notice.

This website is provided “as is” and, and expressly disclaims any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.

Radical Wisdom, Annie Gelfand,, and hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with regard to any information, content, or services provided at our website, including but not limited to direct, indirect, incidental, or consequential loss or damages, compensatory damages, loss of profits, or data, or otherwise.

Refund Policy

Given the extraordinary work and expense that goes in creating this Summit there will not be any refunds available.

If you signed up for a payment plan you MUST complete it on time. Failure to complete your payment plan will result in removing you from our product.

Please send all customer service issues to team @ and our team will take care of you.

Limitations of Liability

Radical Wisdom, Annie Gelfand,, and will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

to the extent that the website is provided free-of-charge, for any direct loss;
 for any indirect, special or consequential loss; or
 for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Radical Wisdom, Annie Gelfand,, and has been expressly advised of the potential loss.

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit.

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

Other Parties

You accept that Radical Wisdom, Annie Gelfand,, and is an entity that has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Radical Wisdom, Annie Gelfand,, and individuals, shareholders, officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Radical Wisdom, Anne Gelfand,, and individuals, shareholders, officers, employees, agents, subsidiaries, successors, assigns and sub-contractors, including Tammy Anne Gelfand.

Unenforceable Provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Disclaimer of Endorsement

Reference within this site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by The views and opinions of the authors of content publish by other websites or authors does not necessarily state or reflect the opinion of or its owners and cannot be used for advertising or product endorsement purposes.

References to books, software, websites, or products as “Recommended Radical Wisdom, Annie Gelfand,, and” are specific suggestions only and do not necessarily constitute or imply an endorsement.

Disclaimer for Links to External, Third-Party Websites

Links to external, or third-party websites, are provided solely for visitor’ convenience. Links taken to other sites are done so at your own risk and Centre For Life Essentials, Tammy Anne Gelfand,, and accepts no liability for any linked sites or their content. When you access an external website, keep in mind that Centre For Life Essentials, Tammy Anne Gelfand,, and have no control over its content.

Any link from the Sites,, and to an external website does not imply or mean that endorses or accepts any responsibility for the content or the use of such website. Radical Wisdom,, and does not give any representation regarding the quality, safety, suitability, or reliability of any external websites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external websites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Content and Links Disclaimer
 Radical Wisdom, The Sites, and seek to ensure that all content and information published at this website is current and accurate. The information at The Sites, and does not in any way constitute legal or professional advice and Radical Wisdom, the site,, and cannot be held liable for actions arising from its use. In addition, the Sites, Radical Wisdom, and cannot be held responsible for the contents of any externally linked pages.

Applicable Law and Jurisdiction

Each party agrees that any suit, action or proceeding brought by such party against the other in connection with or arising from the Terms of Service (“Judicial Action”) shall be governed by the law of the province of Ontario, Canada as such laws are applied to agreements between Ontario residents entered into and performed entirely with the province of Ontario, Canada. You knowingly consent to the jurisdiction of federal and state courts within the province of Ontario, Canada. You consent to the venue in province of Ontario, Canada for any action brought in connection with these Terms of Service. You consent to electronic service of process regarding actions under the above agreement.

Records of Visitor Use and Abuse

You consent to having your Internet Protocol address recorded. An email address may appear immediately below (the “Identifier”) if we suspect potential abuse. The Identifier may be used to uniquely match your Internet Protocol address. Visitors agree not to use this address for any reason.

Visitors agree that harvesting, gathering, storing, transferring to a third party or sending any message(s) to the identifier constitutes an acceptance and subsequent breach of these terms of service.

No Warranties

This website is provided “as is” without any representations or warranties, expressed or implied. The Sites makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, The Sites and Radical Wisdom,, and do not warrant that:

this website will be constantly available, or available at all;
 the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relations to any [legal, financial or medical] matter you should consult an appropriate professional.