Terms of Service

1. Acceptance of Terms

By creating an account, making a purchase, or otherwise using our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

2. Description of Services

We provide an online platform offering:

• Educational courses and digital products
• One-on-one and group coaching services
• Membership programs with various tiers
• Community access and networking opportunities
• Live group calls and workshops

3. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

You must be at least 18 years old to create an account and use our services.

4. Purchases and Payment

4.1 Pricing

All prices are listed in USD and are subject to change. We reserve the right to modify pricing at any time, though price changes will not affect existing subscriptions until the next renewal.

4.2 Payment Processing

Payments are processed securely through Stripe. By making a purchase, you authorize us to charge your payment method for all fees you incur.

4.3 Subscriptions

Membership subscriptions automatically renew each billing cycle unless canceled. You will be charged on the same day each month that you initially subscribed.

4.4 Refund Policy

We offer a 30-day money-back guarantee on all course purchases and first-time memberships. Coaching sessions can be refunded if canceled at least 48 hours before the scheduled time. Refund requests must be submitted to support@example.com.

5. Intellectual Property

5.1 Our Content

All content on our platform, including courses, videos, text, graphics, logos, and software, is owned by us or our licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

5.2 Your License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes only. This license does not include the right to:

• Resell or redistribute our content
• Share account credentials with others
• Download content for commercial use
• Remove copyright or proprietary notices

6. User Conduct

You agree not to:

• Violate any laws or regulations
• Infringe on others' intellectual property rights
• Transmit harmful code or viruses
• Harass, abuse, or harm other users
• Impersonate others or misrepresent your affiliation
• Collect or store personal data about other users
• Use automated systems to access the platform without permission

7. Coaching Services

Our coaching services are provided for educational and informational purposes only. We do not guarantee specific results. All coaching advice should be considered guidance, not professional financial, legal, or medical advice. You are responsible for your own business decisions.

8. Cancellation and Termination

8.1 Your Rights

You may cancel your membership at any time. Cancellation will take effect at the end of your current billing period. You will retain access until that time.

8.2 Our Rights

We reserve the right to suspend or terminate your account if you violate these Terms of Service, engage in fraudulent activity, or for any other reason at our sole discretion.

9. Disclaimers

OUR PLATFORM AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

We do not guarantee specific business results, income, or success from using our courses or coaching services. Your results depend on many factors beyond our control.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability shall not exceed the amount you paid us in the twelve (12) months prior to the event giving rise to the liability.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.

12. Changes to Terms

We may modify these Terms of Service at any time. We will notify users of material changes via email or platform notification. Continued use of our services after changes constitutes acceptance of the new terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

15. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: legal@example.com
• Address: 123 Business Ave, Suite 100, New York, NY 10001