TERMS & CONDITIONS
Last updated: {{legalUpdated}}

1. Agreement to Terms

These Terms & Conditions ("Terms") govern your use of {{location.name}}, including our website, products, programs, communities, and services.

By accessing or using our services, you agree to be bound by these Terms.

2. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you meet this requirement.

3. Services Provided

We provide online education, training, digital products, community access, and related services. Results are not guaranteed and depend on individual effort and circumstances.

4. Payments & Refunds

• All payments are processed securely
• Prices are subject to change
• Refund policies (if applicable) are clearly stated at point of purchase
• Chargebacks or payment disputes may result in account suspension

5. SMS Messaging Terms

By submitting your phone number, you consent to receive SMS messages related to:

• Account notifications
• Program updates
• Customer support
• Marketing messages (where applicable)

Message frequency may vary.

Message & data rates may apply.

To opt out, reply "STOP".

To get help, reply "HELP" or contact {{location.email}}.

Consent to receive messages is not a condition of purchase.

6. User Conduct

You agree not to:

• Violate laws or regulations
• Harass, abuse, or harm others
• Share login credentials
• Distribute copyrighted material
• Use our services for spam or unlawful messaging

We reserve the right to suspend or terminate access for violations.

7. Intellectual Property

All content, trademarks, materials, and systems are owned by {{location.name}} and may not be copied, resold, or distributed without written permission.

8. Disclaimer

Our services are provided "as is" without warranties of any kind. We do not guarantee financial results, income, or business success.

9. Limitation of Liability

To the maximum extent permitted by law, {{location.name}} shall not be liable for any indirect, incidental, or consequential damages.

10. Indemnification

You agree to indemnify and hold harmless {{location.name}} from any claims arising from your use of the services or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of {{location.state}}/{{location.country}}, without regard to conflict of law principles.

12. Modifications

We reserve the right to modify these Terms at any time. Continued use of the services constitutes acceptance of the updated Terms.

13. Contact Information

{{location.legalName}}

Email: {{location.email}}

Address: {{location.full_address}}