ST. MONICA'S STORY

Monica lived in Northeastern Algeria in the early and mid 300's A.D. Her family was Christian, but her husband of an arranged marriage to a Roman official was a pagan who would not allow any of their 3 children to be baptized. Augustine was the oldest of the 3. This caused great grief to Monica who chose to pray and intercede for many years with sobs and tears as she poured out here prayers to God. Monica also chose to assist the poor as a means of serving God. When Augustine moved to Milan, Italy, Monica moved there as well continuing to pray and assist the poor. It was then in Milan that Augustine met Ambrose, the Bishop of Milan. Through the evangelization of Anbrose, Augustine was finally baptized at age 33. Also Monica's husband and other two children were baptized as well. All Monica's prayers were answered.

WTheTuext here...

Welcome to

St. Monica's Guild

Our Mission

The mission of St. Monica's Guild is to establish, support and promote the development of a global consecrated community of intercessors and evangelists, with our focus on Loved Ones who are currently away from the faith and the priesthood. We regularly pray that all will engage the sacraments of the Church so as to live a life of faith and one day enter the gates of Heavan.

Find Your perfect place in the Guild...

With Women of St. Monica for women, St. Joseph's Warriors for men, and St. Al's All Stars for youth 14-19, we hope you will find just the right place for you to join and pray with us.

Disciple Groups

Disciple Groups of 4-6 intercessors meet regularly for prayer and support, and we offer training and teaching twice a month. Additionally we offer twice a month pubic evangelistic meetings for the members and the public as well. In our Disciple Groups we answer 4 questions at each meeting. (1) Did I pray every day since we last met? If not, why not? (2) When did I experience being closest to God or what did I learn about God since our last meeting? (3) Who did I share the gospel with and what result? (4) What would I like to ask prayer for now in this meeting? The Disciple Groups meetings are where you experience spiritual growth, genuine community, and these meetings will become your favorite time of the month or the week. YOU can start now.

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Consecrated

Just as Jesus Christ, our High Priest, ever lives to make intercession for us, so we are consecrated to Jesus through Mary using the Brown Scapular, the Miraculous Medal and the teaching of St. Louis De Montfort. You too can come a live a consecrated life within a community of like-minded and like-hearted believers. We wear the Brown Scapular and the Miraculous Medal as a sort of "uniform" to remine us of who we are and what we are committed to.

The Wall of Remembrance

Every member of St Monica's Guild may register the names of Loved Ones onto The Wall of Remembrance. Every member of the Guild prays several times each day for every person registered on the Wall.

"Righteous Prayer avails Much..."

The Saint Monica's Guild Daily Pledge

In the name of the Father, the Son and the Holy Spirit. This day I pledge myself to live as a consecrated disciple of Jesus Christ in St. Monica's Guild. This day and every day I will pray for lost souls, and I will share the good news of Jesus as the Holy Spirit leads. May God's Kingdom come and his will be done in me on earth as it is in Heaven.

The Five Point Gospel According to St. Monica's Guild

1. In this fallen world, God loves you just as you are and wants you to know and experience his love for you.

2. In Jesus Christ you can come to know and experience God and his love for you.

3. Jesus will give you the gift of the Holy Spirit to help you.

4. Mary will guide you and form you into a disciple of Jesus, her son.

5. In St. Monica's Guild you will find a home and your place and your purpose in life.

St. Monica's Anatomy Study

God gave me one mind to know his truth.

God gave me two eye to see what is right.

God gave me two ears to hear what is true.

God gave me one life to live in the Light.

God gave me one heart and keeps me consoled

God gave me ten fingers to pray for lost souls.

God gave me two feet to carry his good news

That's why I am speaking now with you.

God gave me one tongue to sing his high praises

God gave me two arms that now I am raising

God gave me two hands to help my fellowman

God gave me one Savior to take me to his promised land

Contact us at:

(844) 784-8453

Join Our Prayer Community Today!

St. Monica's Guild is dedicated to creating, supporting, and promoting. a community of consecrated prayer warriors who will fight for the salvation of their loved ones and the priesthood. We are orgasnized into three (3) Sections and four(4) levels in each section.

St. Joseph's Warrior is for men, Women of St. Monica is for women, and St. Aloysius All Stars is for youth aged 14-19.

The four levels are (1) Friend (2) Apprentice (3) Journeyperson and (4) Master Prayer Wariors.

Each Section contaians Friends, Apprentices, Journey persons and Masters.

Faithful Community

Join Us

Community Prayer Support

Join us in prayer for the salvation of loved ones and support of priests, to strengthen our community together.

Prayer for Families

Uniting in prayer for family members' salvation and spiritual growth through community support.

Supportive Community

A space for consecrated Catholics to connect and uplift each other in faith.

Spiritual Guidance

Offering resources and support for individuals seeking spiritual growth and family salvation.

Welcome to Stl Monica's Guild!

These terms and conditions outline the rules and regulations for the use of St. Monica;s Guild's Website, located atstmonicasguild.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use stmonicasguild.com if you do not agree to take all of the terms and conditions stated on this page.

Cookies:

The website uses cookies to help personalize your online experience. By accessing [Your Website Name], you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License:

Unless otherwise stated, stmonicasguild.com and/or its licensors own the intellectual property rights for all material on [Your Website Name]. All intellectual property rights are reserved. You may access this from [Your Website Name] for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from [Your Website Name]

• Sell, rent, or sub-license material from [Your Website Name]

• Reproduce, duplicate or copy material from [Your Website Name]

• Redistribute content from stmonicasguild.com.

This Agreement shall begin on the date hereof. which is December 16, 2025.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. Stmonicasguild.com does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of stmonicasguild.com, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, [Your Company Name] shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Stmonicasguild.com reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant [Your Company Name] a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

• Government agencies;

• Search engines;

• News organizations;

• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

• Commonly-known consumer and/or business information sources;

• Dot.com community sites;

• Associations or other groups representing charities;

• Online directory distributors;

• Internet portals;

• Accounting, law, and consulting firms; and

• Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of [Your Company Name]; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to [Your Company Name]. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

No use of [Your Company Name]'s logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability:

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights:

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website:

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer:

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;

• Limit any of our or your liabilities in any way that is not permitted under applicable law; or

• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature

Additional Terms and Conditions

St. Monica’s Guild, Inc.

TERMS AND CONDITIONS Last updated Dec. 10, 2025

Thank you for visiting StMonicasGuild.com. You arrived at this Terms & Conditions page from one of the our sites, referred to herein as “this web site, we or us, or the company, or “the Guild”.

The following Terms and Conditions from StMonicasguild.com (hereinafter “COMPANY”, “We”, and “Us” or “the Guild”) govern your use of the above web sites and apply to your access and use of any of our websites. Think of this as your contract for doing business with us. Here you will find how our relationship is defined and regulated.

By accessing or using this web site, or any of our products and services, you are acknowledging and accepting, and agree to be bound by, the Terms and Conditions described herein. These Terms and Conditions are subject to change or modification by COMPANY at any time and at our discretion. When COMPANY makes updates to these Terms and Conditions, we will update the Last Revised date at the top of this page to indicate the terms have changed. Except as specified elsewhere herein, your continued use of this web site after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult these Terms and Conditions each time you use the web site. If you do not agree with these Terms and Conditions, please do not use or access the web site.

Please read carefully, and note our MANDATORY ARBITRATION PROVISION and WAIVER OF CLASS ACTION PROVISION.

Please also note that St. Monica’s Guild, Inc. USA primarily serves customers in North America, but also in outher dountries around the world.

1. INTELLECTUAL PROPERTY

You acknowledge and agree that all content and materials available on this web site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by COMPANY, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. St. Monica’s Guild, “Thy will is my will,” and any songs or logos posted on this siste are U.S. registered trademarks or trademarks of COMPANY and/or its related companies.

As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this web site is strictly prohibited without the express written permission of COMPANY. For information on requesting such permission, please contact us using the contact information listed in the section entitled “Contacting Us”.

2. ABILITY TO ACCEPT TERMS AND CONDITIONS / LIMITATIONS ON USE

You affirm that you are either more than 18 years of age, or an emancipated minor, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms and Conditions, and to abide by and comply with these Terms and Conditions.

If you are provided a password to access any of our web sites, then that password is for your personal use only, unless otherwise specified. You agree to be responsible for the security of your password.

3. ORDER AND RETURN POLICIES

Order Fulfillment. For any digital products, you will receive an email with login details to our membership site or download page.

Refund Policies. We offer a 14 day unconditional 100% monry back guarantee. This is an unconditional 14-day 100% money back guarantee on most of our products and services such as memberships. If you are not completely satisfied, you can alert us within 14 days of the date on which you purchased the program; however, if the program you purchased states a different refund policy, that product-specific refund policy shall apply..

For live events, we also offer a 14-day money back guarantee. Upon requesting a refund for a program or live event within the applicable time period, we will rescind access to the product or cancel your event registration and give you a full refund.

For subscriptions, that are billed on a re4curring basis, you are responsible to keep a valid credit and debt card on file with us so that the payments can be received. If your payment does not complete we will notify you and you must correct the payment within 5 buiness days or your membership will be suspended. Until such time as you notify us that you have corrected the situation and your payment has been completed.

4. PRODUCT DELIVERY / MEMBERSHIP SITE / CONDUCT

For products that you purchase from us that are delivered through a download link, you will be given a URL to access and download the product(s) you purchased. In such instances, you agree not to share the download link with other people who did not purchase the product(s).

For paid products that you purchase from us that are delivered through a membership site, you will be given a username and password to access the events, course materials and tools. In such instances, you agree not to share your login information with other people who did not purchase the product(s). You will not sell access to this program or duplicate and sell any of its content without written permission. For our public events, there are no restrictions on sharing the event information.

Where applicable, the membership site is meant for informational purposes only. It is not intended as specific medical, legal, commercial, psychological, financial, tax or other professional advice. Use of the information on the membership site and this web site are at your own risk. We do not offer any stock or securities for sale. We do not offer any mortgage financing or extend any credit.

Use of content, unless otherwise stated, is for your own personal, non-commercial use. You may not distribute content, print multiple copies, or use the content for public display or performance unless otherwise stated, and or with written permission in some instances when and where indicated.

We reserve the right to discontinue or modify without notice or liability, any portion of this web site or any program content. However, in the rare event that we decide to discontinue a particular online product or service you have paid for, We will either fulfill the services for the duration of the specific term that you paid for, or in our sole discretion, We will offer you a pro-rated refund for the services that were not yet rendered. If no specific duration was specified for how long a particular online product or service will be available, such product or service will be made available to you for a minimum of one year, or for however long We continue to support that version of the program, whichever is shorter.

Monthly memberships can be cancelled at anytime with a 30 day email notice sent to support@stmonicasguild.com

You affirm, represent, and warrant that your participation on this web site and the content you submit does not relate to pornography, illegal activities of any kind, occult, hate, or racism. You also represent and warrant that content you submit does not violate the intellectual property rights of third parties. COMPANY reserves the right to make the final decision regarding what is appropriate. COMPANY further reserves the right to remove content or terminate your account without prior notice for a violation of this provision.

Permission granted.

Some of the live and recorded events on our website may make use of your image or you voice in that event. You hereby release us from any liability, and you grant us the right to publish any such events, videos, or audio productions.

You understand and agree to not place an unreasonable burden on the server hosting this web site or membership site, to not interfere with the running of this web site and to not attempt unauthorized access to any portion of this web site.

You understand and agree not to provide false information about yourself, not to impersonate another individual or provide misleading or false content.

Please do not send any confidential or proprietary information to COMPANY unless specifically requested by COMPANY. Any such unsolicited information or material sent to COMPANY by you will not be deemed confidential or proprietary. Furthermore, you agree that any ideas, suggestions, or improvements that you provide to COMPANY about COMPANY’s products or services shall be owned by COMPANY and that COMPANY is free to include such ideas in future products without compensation to you.

You hereby warrant that any information you submit to COMPANY through this web site is owned by you and/or that you have the necessary authority to submit such information. You hereby grant COMPANY a royalty-free, perpetual, worldwide license to display, modify, adapt, create derivative works from, and otherwise use any suggestions, ideas, and information that you provide to COMPANY, including in the operation and advertising of COMPANY’s business.

You agree that COMPANY may, in its sole discretion and without prior notice, terminate your access to the web site and related services if we determine that you have violated these Terms and Conditions or other guidelines or program agreements related thereto. You also agree that your violation of these Terms and Conditions would be considered an unfair business practice that could cause COMPANY irreparable harm for which monetary damages would be inadequate. You therefore consent to COMPANY being authorized in such an instance to obtain injunctive or equitable relief that COMPANY deems appropriate or necessary under the circumstances. These remedies are in addition to any other remedies COMPANY may have at law or in equity.

You agree that COMPANY may, in its sole discretion and without prior notice, terminate your access to the web site and related services, for cause, including but not limited to upon discontinuance or material modification of the web site or any service offered on or through the site, technical issues or unexpected problems, requests received from government agencies or law enforcement officials, or upon a verified request by you for an account deletion or cancellation.

5. PRIVACY

Please read the Privacy Policy carefully to understand how COMPANY collects, uses and discloses personally identifiable information from its users. The Privacy Policy is hereby incorporated by reference as part of these Terms and Conditions.

6. MISCELLANEOUS DISCLAIMERS

Online Event Disclaimer. You acknowledge that our online events are being photographed, videotaped, live streamed, and/or otherwise recorded by us. By participating in a respective online event sponsored by us, you hereby grant us the right to use any photograph/video/audio captured at that event for marketing or for any purpose we deem appropriate. You understand that if you don’t want to be recorded or photographed, you must avoid appearing on camera or speaking.

You also agree not to post, on social media or otherwise, any screenshots of the respective online event that contain any personally identifying information of other participants.

By participating in our online event, you hereby agree to release, defend, hold harmless and indemnify us from any and all claims involving the use of your picture, likeness, or voice that we captured in the event recordings.

Earnings and Savings Disclaimer. COMPANY makes no guarantees that you will achieve results similar to ours (or anyone else’s). In fact, COMPANY makes no guarantee that you will achieve any results at all from the ideas and techniques contained on this web site or in our products. You hereby confirm that you agree and understand these limitations that are set forth in more detail in COMPANY’s Earnings Disclaimer.

Coaching Disclaimer. To the extent that you purchase a product or service that includes any personalized coaching, you agree and understand that COMPANY does not warrant or make any kind of guarantee that the advice you are provided will be suitable for your situation or will produce any particular result. You alone are responsible for evaluating the suitability of the suggestions given by coaches of COMPANY, and should consult with your own advisors if you need help evaluating the suitability of any such advice to your situation.

Artificial Intelligence Disclaimer. COMPANY may, from time to time, recommend or suggest the utilization of artificial intelligence (AI) tools. Notwithstanding any representations to the contrary, COMPANY makes no warranty, express or implied, concerning the accuracy, suitability, or error-free nature of results generated by these AI tools. Artificial intelligence, by its inherent nature, may produce results that are unforeseen, inaccurate, or not appropriate for certain uses. You acknowledge and agree that it is solely your responsibility to review, validate, and ensure the accuracy and suitability of information or data generated by any AI tool recommended or suggested by COMPANY and any AI tool in general. Prior to using such information or data in your business or other endeavors, you further agree to verify that said information or data does not infringe on the copyrights, trademarks, or any other intellectual property or proprietary rights of third parties. By choosing to use information from any AI tool mentioned or promoted by COMPANY or AI tools in general, you hereby assume all risks associated with that use and agree to hold COMPANY harmless from any and all claims, losses, liabilities, damages, or expenses arising from or related to the use of such information and tools.

7. THIRD PARTY REFERENCES / HYPERLINKS AND RECOMMENDATIONS

This web site OR COACHING may link you to other sites on the Internet that are not operated by the Company (“Third-Party Sites and providers”). In some instances, COMPANY may have affiliate relationships with certain Third-Party Sites and/or providers whereby COMPANY will receive a commission if you purchase something from the Third-Party Site. COMPANY may also use Third-Party Sites to set up groups (such as Facebook or LinkedIn), but is not obligated to do so.

These Third-Party Sites may contain information or material that some people may find inappropriate or offensive. These Third-Party Sites are not under the control of COMPANY, and you acknowledge that COMPANY is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the other site by or any association with its operators.

You agree to access and use any Third-Party Sites and the third-party content and/or services contained therein at your own risk. You acknowledge that a Third-Party Site may collect personal information about you, and any personal information you disclose or submit to a Third-Party Site will not be under control of the Company. The Company assumes no responsibility or liability for the privacy and information collection policies of third parties operating any Third-Party Site and we suggest contacting the providers of those sites directly for information on their privacy policies.

8. CONTACTING US

If you need to contact us, you can email us at support@stmonicasguild.com, call us at 844-784-8453 or send us a letter at: St. Monica’s Guild, Suite 100, 5906 Balconies Drive, Austin, TX 78731

9. DISCLAIMER OF WARRANTIES

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEB SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. COMPANY AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS WEB SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS WEB SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

10. LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL COMPANY OR ITS AGENTS, AFFILIATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AND CONTRACTORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS WEB SITE OR THE PRODUCTS AND SERVICES SOLD ON THIS WEB SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IN NO EVENT SHALL THE AMOUNT OF COLLECTIVE LIABILITY OF COMPANY AND ITS AGENTS, AFFILIATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AND CONTRACTORS EXCEED THE AMOUNT ACTUALLY PAID TO COMPANY FOR PRODUCTS OR SERVICES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, COMPANY’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. Any provision herein to the contrary notwithstanding, the maximum liability of COMPANY to any person, firm or corporation whatsoever arising out of or in the connection with any license, use or other employment of any Content delivered to you hereunder, whether such liability arises from any claim based on breach or repudiation of contract, warranty, tort or otherwise, shall in no case exceed the actual price paid to COMPANY by you for the Content whose license, use, or other employment gives rise to the liability. The essential purpose of this provision is to limit the potential liability of COMPANY arising out of this Agreement. The parties acknowledge that the limitations set forth in this Section are integral to the amount of consideration levied in connection with the web site and any services rendered hereunder and that, were COMPANY to assume any further liability other than as set forth herein, such consideration would of necessity be set substantially higher.

11. INDEMNIFICATION

Upon request by COMPANY, you agree to defend, indemnify, and hold COMPANY and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this web site or the services offered by COMPANY, or that arise from your violation of the Terms and Conditions stated herein.

12. SEVERABILITY AND INTEGRATION

Unless otherwise specified herein, this Agreement constitutes the entire agreement between you and COMPANY with respect to this web site and supersedes all prior or contemporaneous communications between you and COMPANY with respect to this web site. If any part of these Terms and Conditions is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

13. GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas. Any conflict of laws shall be resolved by using Texas law..

14. ARBITRATION OF DISPUTES

Except for payment/collection issues or infringement of COMPANY’s intellectual property, which can be heard by a court of competent jurisdiction, the parties agree that any dispute or claim in law or equity arising between them regarding the use of this web site or these Terms and Conditions, including any dispute regarding the enforceability or applicability of this arbitration provision, shall be decided by neutral, binding arbitration conducted in Ffort Bend County, Texas.. The arbitrator shall be a retired judge, justice, or an attorney with at least ten (10) years of legal experience relating to the subject matter of this Agreement unless the parties mutually agree otherwise, who shall render an award in accordance with the substantive laws of Fort Bend County, Texas. In all other respects, the arbitration shall be conducted in accordance with the rules and procedures of the American Arbitration Association, subject to the parties being allowed limited discovery. Judgment upon the award of the arbitrator(s) may be entered in any court having jurisdiction.

NOTICE: BY USING THIS WEB SITE OR PURCHASING PRODUCTS AND/OR SERVICES FROM COMPANY, YOU ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS INCLUDED IN THIS “ARBITRATION OF DISPUTES” PROVISION DECIDED BY NEUTRAL ARBITRATION AND YOU ARE GIVING UP ANY RIGHTS YOU MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS THOSE RIGHTS ARE SPECIFICALLY INCLUDED IN THE “ARBITRATION OF DISPUTES” PROVISION. IF YOU REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION YOU MAY BE COMPELLED TO ARBITRATE ANYWAY PURSUANT TO A COURT ORDER. YOUR AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY. IF YOU DO NOT WISH TO AGREE TO ARBITRATION, THEN YOU MAY NOT USE THIS WEB SITE.

15. CLASS ACTION WAIVER

ARBITRATION OR ANY OTHER LEGAL ACTION ARISING IN CONNECTION WITH THE USE OF THIS WEB SITE, THE SERVICES OFFERED THROUGH THIS WEB SITE, OR THESE TERMS AND CONDITIONS MUST BE ON AN INDIVIDUAL BASIS, WHERE ALLOWED BY APPLICABLE LAWS. THIS MEANS NEITHER YOU NOR COMPANY MAY JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER CUSTOMERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.

16. ATTORNEYS’ FEES

In any dispute, action, proceeding, or arbitration regarding the use of this web site or these Terms and Conditions, including the enforcement of any arbitration provision herein, the party prevailing in such action or proceeding shall be entitled to recover, in addition to any other award of damages or other remedies, its reasonable attorneys’ and experts’ fees, costs and expenses (including, without limitation, expenses for expert witnesses and all reasonable attorneys’ fees, costs and expenses upon appeal).

17. VOID WHERE PROHIBITED

Any offers made on this web site are Void Where Prohibited by law. COMPANY operates this web site primarily from Colorado, USA, although vendors or staff of COMPANY might manage this web site from various international locations. While this web site is globally accessible, not all services, products, or features offered here may be applicable or accessible to everyone or in every country or region. Furthermore, not all offerings may be suitable or permitted outside the US. COMPANY reserves the right, in COMPANY’s sole discretion, to selectively provide or restrict certain services or products to certain individuals or geographic locations. Some promotions or offers on this web site may not be valid in certain regions or geographic locations. If you decide to access this web site from a location outside the US, you are responsible for ensuring that you adhere to the local laws in your jurisdiction.

Copyright © 2025 St. Monica’s Guild, Inc. All Rights Reserved.

St. Monica's Guild Privacy Policy

PRIVACY POLICY

Last Revised: December 10, 2025

Thank you for visiting St. Monica’s Guild website. You arrived at this Privacy Policy from one of our web sites, referred to herein as “this website,” or “Company,” or “we,” or “us.”

This Privacy Policy has been created by the company (hereinafter “COMPANY”, “Us”, or “We”) in order to disclose our information gathering and dissemination practices. This statement of Privacy applies to all St. Monica’s Guild and entities and affiliated companies. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use this website; 2) select and register for an offer(s) on this website by clicking the offer(s) presented; and/or 3) give your express consent to the terms of this Privacy Policy. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access this website.

Please read this Privacy Policy before using this site or submitting any personal information.

If you reside in the European Union or California, please also see the “Updating, Removing, or Exporting your Personal Information” section for additional rights that may apply to you.

We take Children’s Privacy very seriously. See the section entitled “Children’s Privacy” for more details regarding our Children’s Privacy Policy and your rights.

1. Information We Collect

A. Personally Identifiable Information

Voluntary submissions of personally identifiable information can occur for various reasons, such as if you request to receive information about our services, if you subscribe to one of our mailing lists, when you place an order with us, when you communicate with us, when you enter information into our software or forms, when you provide feedback through one of our surveys, when you register or create an account at one of our websites, or when you visit one of our websites. If you subscribe to one of our mailing lists, We generally collect your name, email address, and optionally your telephone or other information if you provide it to us so we can customize your experience and better serve your needs.

In order to serve our members, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, personal preferences, demographic information when provided by you (like language, gender, age), business information, business plan strategy, chat conversations within our software and forums, and sometimes credit card and related billing information when such information is voluntarily submitted by our visitors. Most of your customer information is stored in our third-party Customer Relationship Manager (CRM) system, and not directly on our servers. Your credit card information is not stored by us and is instead passed directly to our merchant processor.

If you visit this site with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and We may track personally identifiable information about you that is shared with us by that third-party site according to their policies (such as your name and email), as well as aggregate data about the number of visits to this site with an open ID, the number of items “liked” on this site, or items on this site that you choose to share with a third-party social media site.

We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have requested from us (and when applicable, from third parties who offered you a special offer through us that you signed up to receive); (2) to validate your compliance with the terms and conditions; (3) for content improvement and feedback purposes; (4) to reach you, when necessary, regarding your use of the website or product(s); (5) to offer you product upgrades, services, and other training courses that may be of interest to you; (6) facilitating your participation in our groups and programs; (7) providing you with newsletters, updates, targeted advertising, and special offers; and (8) for the few situations described below to better serve you.

We may also disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with law or legal process or if requested by duly authorized public authorities; (b) comply with the order of a competent judicial authority in any jurisdiction; (c) comply with legal process served on Us; (d) protect and defend the rights or property of us, or our affiliated companies, their employees and agents; (e) enforce our terms of use; (f) protect against fraud or other illegal activity or for risk management purposes; (g) permit Us to pursue available remedies or limit the damages that We may sustain; (g) act in urgent circumstances to protect the personal safety of our customers and/or users or the public at large.

Except as set forth in this Privacy Policy, We will not share your personally identifiable information with third parties unless you have given us explicit permission to do so, such as in order to fulfill a third-party offer that you have accepted from us. By permitting us to collect this information, you will be able to receive information on other products and services that may be of interest to you, including related third-party offers that we may send to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service. We may also use this information to contact you about joint venture opportunities if it appears that you would be a suitable joint venture partner. If we should ever file for bankruptcy, or become insolvent, or be acquired by a third party, or merge with a third party, or sell all or part of its assets, or transfer substantially all or part of its relevant assets to a third party, then we are entitled to share the personal information and all other information you have provided through the products and services to potential and subsequent business and merger partners.

By submitting your email address on this website, you agree to receive email from us (and when applicable, from the third party you also agreed to receive the special offer from). You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. You can customize your email and other preferences (such as the lists you are subscribed to) by following the instructions contained in the section entitled “Updating, Removing, or Exporting Your Personal Information”.

By submitting your email address, you also agree to allow us to use your email address for custom audience targeting on sites like Facebook or Google, where we display custom advertising to specific people who have opted-in to receive communications from us.

If you wish to stop seeing ads from us on Facebook, you can turn off the ad by using the following steps:

From within Facebook, go to the advertisement you want to turn off,

Click on the drop-down arrow in the top corner of the ad (that may be in the top right corner or top left corner).

Click on "Hide ad".

You can also customize the ads you see on Facebook across all advertisers by using the following steps:

Log in to your Facebook account and click “settings”.

Click on “Ads”.

On that page, you will see a list of options you can choose to limit and/or block the information Facebook shows to advertisers.

If you wish to stop seeing ads from us in Google Ads, you can turn off the ad by using the following steps:

Go to the advertisement you want to turn off.

Click on the x in the top left corner.

Click on "Stop seeing this ad".

Other ad platforms we may use in the future have similar ways you can turn off any ad from us to stop seeing it.

In addition, you agree that by submitting your telephone contact information on this website and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the United States Amended Telemarketing Sales Rule (ATSR), 16 CFR '310 et seq., the Telecommunications Act (Canada), and any applicable federal, national, state, provincial and local "do not call" regulations, and as such any subsequent telemarketing communications between you and us are considered exempt telecommunications. We and the specific third-party service providers receiving your data as described herein retain the right to contact you via telemarketing in accordance with the United States ATSR or the Canadian Unsolicited Telecommunications Rules and any other applicable regulations.

If you are accessing this website from Canada, our collection and use of your personal information and how it is collected is governed by the Personal Information Protection and Electronic Documents Act (or PIPEDA).

We also comply with the Canada Anti-Spam Laws (CASL) and do not send commercial electronic messages to Canadian individuals unless such individuals have “opted-in” to receive commercial electronic messages.

B. Non-Personally Identifiable Information

We also may collect various types of non-personally identifiable information to help us make your experience more enjoyable, measure site activity to identify future improvements that should be made, and compile aggregate data to help serve site visitors better. For example, we may use such data to tailor our advertisements, develop proper survey questions, improve our business, etc.

As another example, we may use session and persistent “cookies,” session logs, web beacons, GIF/pixel tags, banner ads, third-party click tracking analytics tools (such as Google Analytics), the Facebook Conversion API, third-party retargeting networks that may display our advertisements to you on other sites that you visit to remind you about us, and third party networks that serve user-requested emails (e.g., for a refer-a-friend email) to collect non-personally identifiable or other aggregated information about site visitors.

Cookies are text files that are used by your computer’s web browser to store your preferences and enable us to enhance your user experience with our website. Third-party retargeting networks may also use cookies to display our advertisements to you on other sites. You can learn more about opting out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page.

Please note that you do have the option to configure most web browsers to NOT accept cookies. However, be aware that disabling cookies may keep you from having access to some functions or services on our website or the web-hosted software that runs on our website.

Emails or newsletters that we send electronically may use techniques such as web beacons or pixel tags to gather email metrics and information to improve the reader’s experience, such as the number of emails that are opened, whether they were forwarded or printed, the type of device from which they were opened, and the location (e.g., city, state, and county) associated with the applicable IP address.

As noted above, if you visit this website with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and we may also track aggregate data about the number of visits to this website with an open ID, the number of items “liked” on this website, or items on this website that you choose to share with a third-party social media site.

Other parties such as advertising partners and analytics companies may also be collecting information about your online activity across various websites over time. The information collected by those third parties may include identifiers that allow those third parties to tailor the ads that they serve to your computer or other device.

Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” signals other than cookies, we do not currently respond to “Do Not Track” signals that are undefined.

2. Third Party Actions

We do not control and are not liable for the actions of any third parties who we may promote and/or link to from this website. We pride ourselves in recommending quality companies but have no control over the actions of those third parties, the content they provide, or their privacy practices. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.

Please note that some of these third parties may be an affiliate of ours where we will receive a commission if you purchase from that third party using the specific affiliate link that we provided to you on our website, in our emails, or in our programs. While we may receive a commission if you purchase from that third party, we are not liable for their operations or their actions, and you should address any issues directly with them.

3. Children’s Privacy

We take Children’s Privacy very seriously. Due to the age restrictions of this website, none of the information obtained by this website falls within the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly intend to collect personally identifiable information from children under 18 years of age. If your minor child has provided us with personally identifiable information, you may contact us at the phone number or mailing address listed in the section entitled “Contacting Us” if you want this information deleted from our records. We will then make reasonable efforts to remove your child’s information from the database that stores the information.

4. IP Addresses

We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

5. Our Data Security Policy

All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.

In addition, COMPANY has security measures in place to protect the loss, misuse, and alteration of personal information under our control.

Please be advised that, although we take reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk. Please ensure that you take all necessary precautions to protect your personal information while online.

6. Updating, Removing, or Exporting your Personal Information

If you are a subscriber to one of our mailing lists, you can customize your information and the mailing lists you have subscribed to at any time by simply clicking the link called “Manage Subscriptions” at the bottom of any email you receive from us. That will take you to a preferences center where you can update your information and communication preferences, as well as access your unsubscribe options.

If you have questions about the use, amendment, or deletion of Personal Information that you have provided to Us, or if you are having issues trying to unsubscribe on the Manage Subscriptions page linked from each email, please contact us using the information below in the “Contacting Us” section.

In certain jurisdictions and circumstances, you may also have the legal right to request details about how we collect information, how your information is used, and any third parties with whom your data has been shared. If you wish to request such information, please send an email to support@debtfreewisdom.com with the subject line “Data Usage Request” and explain in the body of the email the details of your request. To protect user privacy, you must send such a request from the account information we have on file or the request will not be honored. We reserve the right, but are not required, to request additional account verification if your request seems suspicious or like it may not have been authorized by you.

Depending on where you reside, you may also have the right to exercise additional rights available to you under applicable laws regarding personal information we store about you, including the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Protection Act (CCPA). In an effort to best serve our customers, we have adopted a transparency approach and will respond to requests for this information from a verified user or subscriber regardless of whether our compliance with such request is required under applicable laws. More details about our use and collection of data is also set forth in more detail in this Privacy Policy, including the “Information We Collect” section herein.

If you wish to request that we forget you from our database, please send an email to support@stmonicasguild.com with the subject line “Forget Me” and explain in the body of the email that you are asking to have your personal data deleted. To protect user privacy, you must send such a request from the account information we have on file or the request will not be honored. We reserve the right, but are not required, to request additional account verification if your request seems suspicious or like it may not have been authorized by you. We also reserve the right to retain any data that we are required or allowed to maintain under applicable laws, such as: (1) for providing the products and/or services you have purchased or signed up for as long as you are a current customer or subscriber, (2) for record-keeping purposes, (3) to resolve disputes and/or enforce these privacy policy terms and other terms you agreed to with us; and (4) to comply with our legal obligations. Some data will be anonymized rather than deleted; this means that some of the data will be held in a form that cannot be connected to you personally. Please be aware that once we delete your data, we will be unable to “undelete” it.

If you wish to request that we export your data, such as for purposes of porting it to another vendor, please send an email to support@stmonicasguild.com with the subject line “Export My Data” and explain in the body of the email that you are asking for data export. We have a standard data export format that we will provide and are not able to create custom exports. To protect user privacy, you must send such a request from the account information we have on file or the request will not be honored.

You can also object to or restrict how we use your personal data. For example, you can object to us using your personal data for direct marketing purposes and can request that we stop processing your personal information and/or stop sending you marketing communications. You can also request that we restrict the processing of your personal information, such as where you believe the personal information that we have on file for you is inaccurate or unlawfully maintained. If you wish to object to or to restrict how we use your personal data, please send an email to support@stmonicasguild.com with the subject line “Restrict My Data” and explain in the body of the email whether you are asking to stop receiving marketing communications, asking for data to be corrected, or the nature of your restriction request.

We reserve the right, but are not required, to request additional account verification if your request seems suspicious or like it may not have been authorized by you.

You may also have other rights under applicable federal, state, or local laws.

7. Contacting Us at (844) 784-8453

If you need to contact us, you can email us at support@stmonicasguild.com.

We strive to provide excellent products, along with equally excellent customer service. If you have any questions about this Privacy Policy or our practices, please feel free to contact us using one of the methods listed above.

8. Withdrawing Consent

To stop receiving future communications or solicitations from Us, please unsubscribe according to the instructions contained in any correspondence you receive from Us.

To unsubscribe from a third-party service, you must contact that third party directly.

9. Terms of Use

Please read the Terms and Conditions Policy carefully to understand other terms and conditions that govern your use of this website. The Terms and Conditions Policy is hereby incorporated by reference as part of this Privacy Policy.

10. Severability

If any part of this Privacy Policy is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

(C) St. Monica’s Guild, Inc., ALL RIGHTS RESERVED

Terms & Conditions

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(844) 784-8453

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support@stmonicasguild.com