Last Updated: 01.05.2026

1. Acceptance of Terms

Welcome to The Ripple Code. By accessing our website (www.theripplecode.com), downloading our mobile application ("The App"), or purchasing our digital products (including Planners, Ebooks, Courses, and Assessments), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our Services.

2. Who We Are (Legal Entity)

The Ripple Code platform and App are operated by: Borderless Talent FZCO Dubai Silicon Oasis Dubai, United Arab Emirates

Throughout these Terms, "we," "us," and "our" refer to Borderless Talent FZCO and The Ripple Code brand.

3. Nature of Services

The Ripple Code provides educational content, digital tools, and self-discovery assessments designed to help users understand their thinking preferences and align their lives with their purpose.

Important Disclaimer: The content provided in The Ripple Code book, App, Cognitive Compass assessments, and newsletters is for educational and self-development purposes only. It does not constitute medical, psychological, or clinical advice. We are not licensed psychologists or healthcare providers. If you are struggling with serious mental health issues, please seek professional medical help.

4. Accounts and Registration

To access certain features of the App or purchase products, you may be required to create an account.

• Accuracy: You agree to provide accurate, current, and complete information.
• Security: You are responsible for maintaining the confidentiality of your login credentials. You accept responsibility for all activities that occur under your account.
• Termination: We reserve the right to terminate accounts that violate these Terms or engage in fraudulent activity.

5. Digital Products & Licensing

When you purchase a digital product (e.g., The Ripple Code Planner, The Ripple Code Ebook, or App Subscriptions):

• License: You are granted a non-exclusive, non-transferable, limited license to access and use the content for your personal, non-commercial use.
• No Sharing: You may not share your login credentials or distribute downloaded files (PDFs, templates) to others.
• No Resale: You may not resell, reproduce, or modify our products for commercial distribution.

6. Intellectual Property (IP) Rights

All content available on the Site and App—including but not limited to text, graphics, logos, the "Cognitive Compass" framework, the "Ripple Code" methodology, videos, and software code—is the property of Borderless Talent FZCO or its content creators and is protected by international copyright and trademark laws.

• Respecting Our IP: You acknowledge that frameworks derived from The Ripple Code (including the specific adaptations of Whole Brain Thinking concepts) are proprietary to us.
• User-Generated Content: If you post comments or share stories within our community or App, you grant us a license to use that content for community engagement purposes (anonymized where appropriate).

7. Payments and Refunds

• Pricing: All prices are listed in [USD/AED] unless otherwise noted. We reserve the right to change prices at any time.
• Payment Processing: Payments are processed via third-party secure gateways (e.g., Stripe, PayPal, Apple Pay). We do not store your full credit card information.
• Refund Policy for Digital Goods: Due to the immediate nature of digital downloads (Planners, Ebooks), all sales are final and non-refundable, unless the file is technically defective.
• App Subscriptions: Subscriptions purchased through the Apple App Store or Google Play Store are subject to the refund policies of those respective platforms.

8. Cognitive Compass & Assessments

Our assessments (such as the Cognitive Compass or Thinking Preference tools) are designed to provide insights based on your inputs.

• No Guarantee: While based on established theories (including references to Sperry and MacLean), these results are interpretive. We do not guarantee specific life outcomes based on these results.
• Data Usage: By taking an assessment, you agree that we may process your answers to generate your profile. See our [Privacy Policy] for details on how we handle this data.

9. Prohibited Conduct

You agree not to:

• Use the App/Site for any illegal purpose.
• Harass, abuse, or harm another person or group within our community areas.
• Attempt to reverse engineer the App or access non-public areas of our system.
• Upload viruses or malicious code.

10. Limitation of Liability

To the fullest extent permitted by law, Borderless Talent FZCO shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site, App, or Products. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid to us for the specific product or service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates (specifically the regulations of the Dubai Silicon Oasis Authority and Federal Laws). Any disputes shall be resolved in the courts of Dubai.

12. Changes to Terms

We modify these Terms occasionally to reflect changes in our business or the law. We will notify you of material changes by posting the updated Terms on this page. Your continued use of the Service constitutes acceptance of those changes.

13. Contact Us

If you have any questions regarding these Terms, please contact us at:

The Ripple Code / Borderless Talent FZCO Email: ripple@theripplecode.com]