Terms of Service

1) Acceptance of Terms

By accessing the Site or any content, communities, or services we provide (collectively, the “Services”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Services.

2) Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services.

3) Changes to the Terms

We may update these Terms at any time. Changes take effect upon posting to the Site. Your continued use constitutes acceptance.

4) Accounts & Security

You’re responsible for the confidentiality of your credentials and all activity under your account. Notify us of any unauthorized use or security incident at [email protected]

5) Acceptable Use

You agree not to: break the law; infringe others’ rights; upload malware; attempt to bypass security; scrape or harvest data without written permission; send spam; or misrepresent your identity. We may suspend or terminate for violations.

6) Intellectual Property

All content on the Services is owned by or licensed to the Company and protected by law. We grant a limited, revocable, non-exclusive, non-transferable license to access and use the Services for lawful, personal, non-commercial purposes. No reproduction, distribution, or derivative works without our prior written consent.

7) User Content & License

If you submit or post content (“User Content”), you represent you have the rights to do so and it doesn’t infringe others’ rights. You grant us a worldwide, royalty-free, sublicensable license to host, store, reproduce, display, perform, and distribute User Content solely to operate and improve the Services. We may remove content that violates these Terms or the law.

DMCA: If you believe material on the Services infringes your copyright, send a notice to [email protected]

 with: (a) your contact info; (b) identification of the copyrighted work and the allegedly infringing material; (c) a statement under penalty of perjury that you have a good-faith belief the use is unauthorized; (d) a statement that the information is accurate and you are the owner or authorized agent; and (e) your physical or electronic signature.

8) Third-Party Services & Links

We may link to or integrate third-party sites/tools (e.g., analytics, payments, webinars). We do not control or endorse third-party content and are not responsible for their acts or omissions. Your use is at your own risk and subject to those parties’ terms and policies.

9) Educational Content; No Advice

Content is for educational and informational purposes only and is not legal, tax, investment, or financial advice. See our No Income Claims Policy.

10) Fees, Subscriptions & Trials (If Applicable)

Auto-Renewal. If you purchase a subscription, it renews automatically at the then-current rate unless you cancel in your account settings or by emailing [email protected]

 before renewal.

Refunds/Guarantees. Any guarantee or refund applies only if expressly stated on the specific product/offer page. If none is stated, none applies.

Chargebacks. You agree not to file chargebacks without first attempting in good faith to resolve concerns with us.

11) Testimonials & Endorsements

Testimonials reflect specific users’ experiences and are not typical. We disclose any material connections with endorsers consistent with applicable guidelines.

12) Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

13) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS; LOST DATA; OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN SUCH CASES, LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14) Indemnification

You agree to indemnify and hold the Company harmless from claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of your use of the Services, your User Content, or your violation of these Terms or law.

15) Governing Law; Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflicts of laws.

Binding Arbitration; Class Action Waiver. Any dispute arising from or relating to these Terms or the Services shall be resolved by binding arbitration administered by JAMS in San Diego County, California before a single arbitrator. YOU WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. Either party may bring an individual claim in small-claims court. You may opt out of arbitration within 30 days of first use of the Services by emailing [email protected]

 with subject line: “Arbitration Opt-Out,” and your full name and the email associated with your account.

16) Termination

We may suspend or terminate access at any time. Sections intended to survive (e.g., IP, disclaimers, limitations, indemnities, governing law) survive termination.

17) Miscellaneous

If any provision is unenforceable, it will be modified to the minimum extent necessary and the remainder will remain in effect. No waiver is a continuing waiver. You may not assign these Terms without our written consent.

Contact: [email protected]