Pearl of Mind Wellness Terms of Service

Version 1.1 · Effective November 6, 2026 · Last updated November 6, 2026

The short version. Pearl of Mind Wellness is an education company. We do not provide therapy, counseling, diagnosis, crisis services, or medical advice. Our materials are for learning, and licensed professionals decide how to use them with their own clients. Disputes are resolved individually in New Jersey courts, not as class actions (Section 19). If you are in crisis, call or text 988 or call 911. The full Terms below control; this summary does not replace them.

1. About these Terms

These Terms of Service ("Terms") are an agreement between you and Pearl of Mind Wellness, LLC, a New Jersey limited liability company ("Pearl of Mind," "we," "us," or "our"). They apply when you visit pearlofmind.com, subscribe to our emails, download our free resources, or create an account (together, the "Services").

You accept these Terms by checking the box or clicking the button that says you agree, for example when you create an account or make a purchase. If you do not agree, please do not use the Services.

2. Other terms that may apply

Some products have their own terms: the Membership, Billing & Resource License Terms, the Clinical Resource Assistant Terms of Use, and the Daily Pearls terms. When you use one of those products, its terms apply along with these Terms. If they conflict, the product's terms control for that product. Our Privacy Policy explains how we handle personal information.

3. Educational purpose only

Pearl of Mind Wellness is an education company for mental health professionals and the public. We do not provide therapy, counseling, diagnosis, crisis services, or medical advice. Using the Services does not create a therapist-client, counselor-client, supervisory, or other professional relationship with Pearl of Mind or with anyone who works with us, including our founder.

Our founder, Matthew Rosario, MA, LPC (NJ), is a licensed professional counselor. Pearl of Mind does not offer his clinical services, and nothing in the Services is individual advice from him.

We do not answer questions about anyone's personal mental health situation. If you contact us about one, we will point you to appropriate resources.

If you are in crisis or thinking about harming yourself, call or text 988 (Suicide & Crisis Lifeline, US) or call 911.

4. Who may use the Services

You must be at least 18 years old and able to enter a binding contract.
Anyone who meets these requirements may browse the website, subscribe to emails, download free resources, and create a free account.
Professional features (described in the Membership, Billing & Resource License Terms) are available only to individuals who hold an active Qualifying Credential as defined therein: an active, unrestricted (other than standard supervision requirements) US state-issued license, permit, or registration authorizing clinical mental health services, either independently or under supervision. You represent and warrant that you hold such a credential upon signup. We may require proof of your credential at any time and may suspend or terminate access if you cannot provide satisfactory verification.

5. Your account

Give us accurate information and keep it up to date. Each account is for one person. Keep your password private, and tell us right away at support@pearlofmind.com if you think someone has used your account without permission. You are responsible for activity under your account.

6. Professional use of our materials

If you are a licensed professional and use our materials in your work:

You decide whether, when, and how to use any material with a client. You are solely responsible for that decision.
You will use materials only within the scope of your license, training, and the laws and rules where you practice.
Our materials are general education. They are not a substitute for your clinical judgment, assessment, or treatment planning.

7. Free resources

We offer some downloadable resources for free ("Free Resources"). Free Audio Library episodes are streaming-only and are not available for download. Unless a resource says otherwise, you may:

download and read them for your own learning; and
if you are a mental health professional, give individual copies to your own clients.

You may not:

remove or change the footer, copyright notice, or disclaimer on any resource;
post Free Resources publicly, including on websites, social media, shared drives, or listservs;
download, record, re-host, or redistribute audio episodes;
sell, rebrand, or claim authorship of them; or
change their content and present the changed version as ours.

Materials for paid members have a separate license in the Membership, Billing & Resource License Terms.

8. How we create content

Our content is research-informed. Research changes, and any material can contain errors or become out of date. Some content is prepared with AI tools. Where content is AI-generated, such as Audio Library episodes, we say so where it appears. Check original sources before relying on any finding.

9. Our intellectual property

The Services and their content, including text, handouts, audio, designs, logos, and the Pearl of Mind Wellness name, belong to Pearl of Mind or our licensors. They are protected by copyright and trademark law. You get only the rights these Terms or other applicable terms expressly give you. If you send us feedback or ideas, we may use them without owing you anything.

10. Acceptable use

When using the Services, you will not:

break any law or anyone else's rights;
scrape, crawl, or bulk-download content, or use automated tools to access the Services, except ordinary search engine indexing;
use our content to train or improve AI or machine-learning models;
interfere with, probe, or try to get around the security of the Services;
impersonate anyone or misrepresent your credentials; or
send us information that could identify a client or patient, including through email or contact forms.

11. Emails

If you subscribe, we will send you newsletters and updates. Every marketing email includes an unsubscribe link. We will still send account and service messages (such as receipts or notices about these Terms) while you have an account.

12. Partner offers and outside links

We may link to other websites or offer discounts from partners, such as continuing education providers. Pearl of Mind does not provide continuing education credit. Partner courses are provided and credited by the partner. We may receive compensation when you use a partner offer. Check with your licensing board about whether a course counts for you. We are not responsible for other companies' websites, products, or terms.

13. Disclaimer of warranties

We work hard to make the Services accurate and useful. However, to the extent the law allows, the Services and all content are provided "as is" and "as available." We do not promise that they will be error-free, complete, current, uninterrupted, or suitable for any particular purpose or client. We do not guarantee any clinical, personal, or professional result. Section 16 explains how this section applies to New Jersey consumers.

14. Limitation of liability

To the extent the law allows:

Pearl of Mind and its owner, employees, and contractors are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data, arising from the Services.
Our total liability to you for all claims combined relating to the Services is limited to the greatest of (a) the amount you paid us for the Service involved in the 12 months before the first claim arose, (b) for a one-time purchase such as Professional Membership, the price you paid for it, or (c) $100. This is one limit for you and your account as a whole. It doesn't increase with the number of claims, the number of your clients they involve, or the number of people bringing them through you.
If we discontinue a Service, our only obligations are the notice, download window, and any refund described in the Membership, Billing & Resource License Terms or in that Service's own terms. We are not liable for business interruption or lost revenue caused by a discontinuation.

These limits do not apply to liability for fraud, gross negligence, or willful misconduct, or to any liability that the law does not allow us to limit. Section 16 explains how this section applies to New Jersey consumers.

15. Your responsibility to us (professional users)

If you use the Services in your professional practice, you agree to defend and indemnify Pearl of Mind against third-party claims that arise from (a) how you used our materials with your clients, (b) your breach of these Terms, or (c) your violation of any law or professional rule. This section does not apply to people using the Services only for personal purposes.

16. New Jersey residents and your legal rights

If you are a New Jersey consumer, the following apply despite anything else in these Terms:

Section 13 does not waive any warranty that New Jersey law does not allow a seller to disclaim.
Section 14 does not limit our liability for (a) personal injury or property damage caused by our negligence, (b) claims under the New Jersey Consumer Fraud Act, or (c) remedies available under the Truth-in-Consumer Contract, Warranty and Notice Act.
Section 14's exclusion of punitive damages does not apply where New Jersey law permits them.

Residents of other states may have similar rights under their own laws, and nothing in these Terms limits rights that the law does not allow to be limited.

17. Suspension and termination

You may stop using the Services or close your account at any time. We may suspend or end your access if you break these Terms, if we must for legal reasons, or if we stop offering a Service. If we end a paid Service for reasons other than your breach, the Membership, Billing & Resource License Terms explain any notice, download window, or refund. Sections 3, 9, and 13 through 21 continue to apply after your access ends.

18. Changes to these Terms

We may update these Terms. We will post the new version with a new "Last updated" date. For material changes, we will email account holders at least 30 days before the changes take effect and ask you to accept the updated Terms. For plans that renew, such as the Clinical Resource Assistant, material changes start at your next renewal. For one-time purchases, such as Professional Membership, a material change won't reduce what you already bought, as the Membership, Billing & Resource License Terms describe, unless you agree to it or the law requires it. Continuing to use the Services alone does not count as accepting a material change. If you do not accept, you may close your account before the changes take effect, or, for a one-time purchase such as Professional Membership, keep it under the version of these Terms that applied before the change, unless the law requires the change.

19. Resolving disputes

Please read this section carefully. It affects your legal rights.

(a) Informal resolution first. Before either side files a claim in court, it must send the other a written description of the issue and what it is asking for: to us at support@pearlofmind.com, and to you at your account email. Both sides will try in good faith to resolve it within 30 days. Neither side may file in court until those 30 days have passed, except to seek urgent relief to protect intellectual property.

(b) Where claims are heard. If the dispute isn't resolved, either side may file in the Superior Court of New Jersey, Essex County, or in the United States District Court for the District of New Jersey, and both sides consent to those courts. Either side may instead bring an individual claim in small claims court if the claim qualifies.

(c) CLASS-ACTION WAIVER. YOU AND PEARL OF MIND AGREE THAT EVERY DISPUTE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. YOU AND PEARL OF MIND EACH WAIVE THE RIGHT TO START, JOIN, OR TAKE PART IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. This waiver does not limit any remedy the law gives you for your own individual claim, including treble damages and attorney's fees under the New Jersey Consumer Fraud Act.

(d) Timing. This section applies to disputes that arise after you accept this version of these Terms.

20. Governing law

New Jersey law governs these Terms, without regard to conflict-of-law rules.

21. General terms

These Terms, together with any product terms and policies they mention, are the entire agreement between you and us about the Services. If a court finds any part of these Terms unenforceable, the rest still applies. Our failure to enforce a term is not a waiver. You may not transfer these Terms without our written consent; we may transfer them as part of a business sale or reorganization. We are not responsible for delays caused by events outside our reasonable control. You agree we may give you notices electronically.

22. Contact

Pearl of Mind Wellness, LLC
support@pearlofmind.com
91 Pompton Ave, Ste 93 #1015, Cedar Grove, NJ 07009