Terms and Conditions Policy

By accessing or using our website, programs, products, and services in any manner for any reason, you implicitly agree to these Terms and Conditions. Our website, programs, products, and services are owned and operated by Livis Group LLC (Company) dba Dare to Change Life, Millen Livis (Managing Director). Daretochangelife.com, millenlivis.com, thinkandlivewealthy.com are subsidiaries of our company.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.


We love our friends’ products and services, so we recommend them. Sometimes we may get compensation for some of the things we recommend. You should always assume any links on any of our websites, products, programs, social media, newsletter, or other communication may be an affiliate link. Please do your own research when deciding whether or not to invest. What works for us may not work for you, so always listen to your own intuition and do your own due diligence.

Community Guidelines

Any community functions best when users follow a few simple rules and guidelines. By accessing the community, you agree to comply with these community guidelines:

  • You will not use the community for illegal or illicit purposes, to spam, badger, or infringe upon any other member.
  • You will not upload or post any content that infringes any copyright, trademark, right of publicity, or other proprietary rights or any person or entity. 
  • You will not post anything that is defamatory, indecent, sexually explicit, promotes violence, or contains hate speech or discloses personal or sensitive information about other people. You will not stalk, threaten, or otherwise harass other members.
  • You will not spam or post self-promotions, outside of the outlined guidelines. 
  • You will not access the community to collect any market research for a competing business.
  • You will not interfere with or attempt to interrupt the operation of the websites or communities through any use of virus, device, information collection, defamation; access or attempt to gain access to any data, files, passwords, or personal information. You will contact us about any person suspected to be in violation of these terms and guidelines.
  • We reserve the right, in our sole and absolute discretion, to deny anyone at any time access to the websites, communities, programs, products, or services or any portion or function thereof, without notice at any time.

FTC Disclosures

Any income claims shared by Livis Group, LLC, Millen Livis, team members, friends or clients are understood to be true and accurate, but are not verified in any way. 
Always do your own due diligence and use your own judgment when making buying decisions and investments. 

Any services provided by or information obtained from Millen Livis, Livis group LLC, daretochangelife.com, thinkandlivewealthy.com, or millenlivis.com do not replace medical, legal, or financial advice.
There are no express or latent implications of monetary, financial, or legal guarantees if you invest in any product or service discusses in the programs.
Any testimonials are considered to be true but may not represent typical results. Do your own due diligence when making personal and financial decisions. 

Disclaimer, Assumption of Risk and Personal Responsibility

By using the abovementioned websites, any offered programs, products, and services, you assume all risks in using your judgement about the information herein. Every effort has been made to provide the most accurate up-to-date information available. However, because the laws and rules governing financial, business, and personal matters are constantly changing, we cannot be guarantee and are not responsible or accountable for the accuracy of the content.

You understand that Millen Livis is not a licensed financial professional and Livis Group, LLC dba Dare to Change Life coaching is not a licensed financial service, does not promise nor guarantee any profits and cannot give specific financial advice. If you want a specific investment advice, you should seek a licensed financial professional service.

You further understand that Company and its products and services are meant to educate you about different money management methods and investment tools and strategies that you can choose to use at your own discretion. If you are unsure of the information or how it applies to you, you may want to contact your own legal or financial experts.

Our programs don’t guarantee any specific results – you’re fully responsible for your actions and the results you achieve in the programs.
You are required to commit fully to the programs so that you become better informed and financially empowered. You are responsible for your own experience.


The information on our websites, programs, products, and services is provided without any warranties expressed or implied. It is not meant to be used as a specific advice for managing and investing your money. Always use your own judgment and/or get the advice of financial professionals to find the right strategies for money investing in your particular situation.

You agree at all times to hold harmless the Company, Managing Director, partners, employees, and affiliates from and against accidents, delays, injuries, loss, damage, loss of profits, personal or business interruptions, any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses resulting from use of our websites, programs, products, or services or any of their functions.

Information You are Prohibited to Share with Others

All information contained on the websites and in programs, products, and services have been obtained and developed through considerable investment, time, and effort.
You may not share information nor take information as your own to resell. Unauthorized use of our websites, programs, products, services, or information contained therein may result in legal actions including but not limiting to claims for damages, legal fees, and pursuit of criminal offense.

Links to External Websites or Use of Social Media

From time to time we may provide links (on our websites, in programs, products, or other services, or in newsletter and email correspondence) to other websites or social media. Please note that we do not have any control over other websites’ or social media content and cannot be responsible for protection, privacy, or results obtained through use of those websites.

Security and Confidentiality

We take every precaution to protect sensitive information. When you subscribe, all information is protected by websites’ security with SSL certificates and anti-malware protection. However, due to the nature of the internet, we cannot completely guarantee the security of information in any system, especially through third-party applications.

Online Purchases and Commerce

When paying with a credit card or PayPal service, you authorize and give us permission to charge your card or PayPal for paying for a program, product, or service as agreed. For any installments, you authorize and give us permission to charge your credit or debit card at the due time without any additional authorizations.
If payment is not received by the due date, whether paying in full or in installments, you will have a three (3) day grace period to make the payment before forfeiting the program, product, or service.

If you fail to make payments in a timely manner in accordance with these terms and conditions of your original financial commitment or attempt to recover previous payments, your card will be charged the full amount of payment due. If the payment is declined or refused, legal action may be taken to procure the payment owed. Any court claims will take place in Palm Beach County, Florida, USA. A $1,000 surcharge will be added to any claims to cover the recovery cost in addition to any money owed as well as time billed at $495 per hour.


There is a 30-day refund policy for digital, physical products or online programs. Private or group live coaching and mentoring services may state the specific refund policy, different than 30-day policy. Under no circumstances will refunds be granted after 30 days. You understand that, if you decide to leave the program after 30 days or cannot complete it, you are still liable for paying the full tuition amount or any remaining instalments of the payment plan.
Most programs require proof of work to request a refund within 30 days. Refunds will not be granted for lack of accessing or using the materials, or failure to do the required work, or deciding that you don’t have time, or have changed your mind. A $10 processing fee + cost of materials applies to all clients in the United States. A fee of $20 + cost of materials applies to international clients (outside of the United States).
You are responsible for ALL payments for the programs whether or not you choose to actively participate in the programs you are enrolled in.
Failure to participate does not constitute reason or means to terminate payment and will not constitute a refund. Failure to pay as agreed may result in legal action as described above in these terms and conditions.


We reserve the right to refuse or terminate your access to our programs, products, services, websites, newsletter, and/or social media accounts or any other method of communication at any time and for any reason without notice.
In the event of cancellation or termination of any program after 30 days, all remaining balance owed shall be immediately due and you will no longer be authorized to receive access to programs, products, or services including communication about said services. The restrictions imposed with respect to material received for any program, products, or services and all the disclaimers and limitations of liabilities set forth in these terms and conditions survive termination or completion of your access.

Dispute Resolution

It is our hope that we will be able to amicably work out any difference through email or phone correspondence. However, should a dispute arise, you agree not to engage in any conduct or communications, public or private, designed to disparage Livis Group, LLC, Millen Livis, our team, hack or attack our websites, or any of our programs, products, or services.
Not responding to correspondence, unsubscribing from our email lists, or blocking us on Social Media will not resolve any issues and may expedite legal proceedings in order to pursue money owed.

Privacy Policy

Our Privacy Policy is outlined in a separate Privacy Policy document available on our websites. By using our websites, programs, products, and services, you agree to and consent to this Privacy Policy


To access or use our site, groups, newsletters, programs, products, or services, you must be 18 years or older and have the required power and authority to enter into a legally binding contract. We do not knowingly solicit data or information from children under the age of 18.


To use certain features of our website, programs, products, and services, you may be given a password, which you will receive upon registration of a program. You are responsible for maintaining the confidentiality of the password and are responsible for all activities (whether by you or by others) that occur under your password or account.


You understand that all the information shared in the programs is to be kept confidential and used for personal purpose only. You are not permitted to share your username and/or password with anyone. If we learn you share your username and/or password with another person, we reserve the right to immediately terminate your access to the program, product, service, website, and/or private Facebook community or other functions of the program and may result in legal action.
You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security. We will use our best efforts to keep your password(s) private and will not otherwise share your passwords(s) without your consent, except as necessary when the law requires it, particularly when disclosure is necessary to identify, contact, or bring legal action against someone who may be causing injury to others, or interfering with our rights or properties.

If you have any questions about our Terms and Conditions Policy, please contact us at millen@daretochangelife.com

Terms and Conditions Policy was last updated on August 17, 2023