Terms & Conditions

Ray4Life.com · Effective date: October 19, 2026 · Last updated: October 19, 2026

1. Who We Are and Acceptance of These Terms

This website, Ray4Life.com (the "Site"), is operated by Ray4Life ("Ray4Life," "we," "us," or "our"), located in Arkansas, United States.

By visiting the Site, submitting the information form, or contacting us, you agree to these Terms & Conditions ("Terms") and to our Privacy Policy. If you do not agree, please do not use the Site.

You must be at least 18 years old to use this Site and to submit your information.

2. What This Site Is For

The Site provides general information about a direct sales and affiliate marketing business opportunity and allows interested people to request more information. Submitting the form does not obligate you to join anything, buy anything, or pay anything.

Ray4Life is an independent business operated by an independent [affiliate / distributor / member] of [Company or Program Name] (the "Program"). Ray4Life is not the Program itself, is not an employee, officer, or agent of the Program, and cannot make binding promises on its behalf. The official terms, products, fees, compensation plan, and policies of the Program apply to anyone who chooses to join, and you should read them carefully before making any decision.

3. No Guarantee of Income or Results

Results vary. No income is guaranteed.

Any business opportunity involves risk. We do not guarantee that you will earn any income, commissions, bonuses, rewards, or profit.

  • Statements on the Site about earning commissions, rewards, perks, or profit sharing describe features that may be available under the Program. They are not promises or projections of what you personally will earn.

  • Results depend on many factors, including your effort, skills, time, local market conditions, and the Program's rules. Many participants earn little or nothing, and some may lose money after expenses.

  • Any examples, testimonials, or descriptions on the Site are not typical unless clearly stated otherwise.

  • Do not rely on anything on this Site as a promise of financial results. Please review any official income disclosure the Program publishes.

You are solely responsible for your own business decisions.

4. Not an Investment, Securities Offer, or Financial Advice

Nothing on this Site is an offer to sell, or a solicitation of an offer to buy, any security, investment, token, or digital asset, and nothing here is investment, financial, tax, or legal advice.

References to blockchain, Web3, digital rewards, or "ownership" describe features of the Program's technology and marketplace. They do not mean that you are acquiring an ownership stake in any company, or that any reward or digital item will hold or increase in value. Digital assets and blockchain-based products can be volatile, may have no resale value, and may be subject to changing laws and regulations. Please consult a qualified professional before making financial decisions.

5. Health and Wellness Disclaimer

The Site may mention wellness products, services, and digital tools. This information is for general informational purposes only and is not medical advice. Statements about wellness products have not necessarily been evaluated by the U.S. Food and Drug Administration (FDA) or any other regulator, and products are not intended to diagnose, treat, cure, or prevent any disease. Always speak with a qualified healthcare provider before starting any new product or program.

6. Independent Business Relationship

Nothing on this Site or in any communication with us creates an employment, partnership, joint venture, franchise, or agency relationship between you and Ray4Life. If you choose to join the Program, you will do so as an independent participant under the Program's own terms.

7. Information You Submit; Communications

When you submit the form, you agree to provide accurate and current information (name, phone number, email address, country, state, and city) and confirm that the information is yours.

By submitting the form and checking the consent box, you agree that Ray4Life may contact you by phone call, text message, and email about the opportunity, using the details you provided. Message frequency varies. Message and data rates may apply. You can opt out of texts at any time by replying STOP, and out of emails by using the unsubscribe link or contacting us. Consent to be contacted is not a condition of purchasing anything. See our Privacy Policy for how we handle your information.

8. Acceptable Use

You agree not to:

  • Submit false, misleading, or someone else's information without their permission.

  • Use the Site for any unlawful, fraudulent, or harmful purpose.

  • Interfere with the Site's operation or security, or attempt to gain unauthorized access.

  • Copy, scrape, or reuse Site content for commercial purposes without our written permission.

We may restrict or block access to the Site at our discretion if we believe these Terms are being violated.

9. Intellectual Property

The Site's text, design, logos, and other content are owned by or licensed to Ray4Life or the Program and are protected by intellectual property laws. You may view and share the Site for personal, non-commercial purposes, but you may not copy, modify, or distribute its content without permission. Third-party names and trademarks belong to their respective owners.

10. Third-Party Links and Services

The Site may link to or rely on third-party websites and services, such as the Program's official pages or our CRM and email providers. We do not control and are not responsible for their content, products, or practices. Your use of third-party services is subject to their own terms and policies.

11. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including accuracy, completeness, availability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free. Some jurisdictions do not allow certain exclusions, so some of these may not apply to you.

12. Limitation of Liability

To the fullest extent permitted by law, Ray4Life and its owner will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of income, profits, data, or business opportunity, arising from your use of the Site or reliance on its content, even if we were advised of the possibility of such damages. Our total liability for any claim relating to the Site will not exceed US $100. Nothing in these Terms limits liability that cannot be limited under applicable law, including consumer protection rights that apply to you where you live.

13. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Ray4Life and its owner from claims, losses, and expenses (including reasonable legal fees) arising from your violation of these Terms or misuse of the Site.

14. Users Outside the United States

The Site is operated from the United States. If you access it from another country, including Hungary or any member state of the European Union, you do so on your own initiative and are responsible for compliance with your local laws. The way we handle personal data of people in the EU/EEA is described in our Privacy Policy. Mandatory consumer rights that apply to you under the laws of your country of residence are not affected by these Terms.

Your data may be processed in the United States or Hungary.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Arkansas, United States, without regard to conflict-of-law rules. Any dispute relating to these Terms or the Site will be brought in the state or federal courts located in Arkansas, and you consent to their jurisdiction, except where mandatory law gives you the right to bring a claim in the courts of your home country.

16. Changes to the Site and These Terms

We may update the Site or these Terms from time to time. The "Last updated" date above shows when changes were last made. Continued use of the Site after an update means you accept the revised Terms.

17. Severability

If any part of these Terms is found unenforceable, the remaining provisions stay in effect.

18. Contact Us

Questions about these Terms can be sent to:

Ray4Life Ray4Life.com