TERMS & CONDITIONS

Last updated: March 26, 2026

By accessing or using this website and any related content, products, programs, or services provided by Teacher to Millionaire LLC (the “Company,” “we,” “us,” or “our”) (collectively, the “Services”), you agree to be bound by these Terms & Conditions (the “Terms”). If you do not agree to these Terms, you must not use the Services.

1. Eligibility and Use of Services

1.1 You must be at least 18 years old to access or use the Services or to purchase any of our products or programs. By using the Services, you represent and warrant that you are at least 18 years of age.

1.2 The Services are intended for individuals located in the United States. By using the Services, you represent that you are located in the United States and that you will comply with all applicable U.S. laws.

1.3 You agree to use the Services only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Services.

2. No Financial, Legal, or Tax Advice

2.1 The Services are provided for general educational and informational purposes only. Nothing in the Services should be construed as personalized financial, investment, legal, tax, or accounting advice.

2.2 We do not act as your investment adviser, broker, tax professional, attorney, or fiduciary. No advisor‑client, attorney‑client, or fiduciary relationship is created by your use of the Services or by your purchase of any products or programs.

2.3 Any decisions you make based on information provided through the Services are your sole responsibility. You should consult with a qualified financial, tax, or legal professional who is familiar with your specific situation before making any financial or legal decisions.

2.4 We do not guarantee any results, earnings, returns, or outcomes. Testimonials, case studies, and examples are not guarantees of results, and your results may vary.

3. Accounts and Security

3.1 To access certain parts of the Services (such as courses, membership areas, or coaching portals hosted on platforms like Kajabi or Go High Level), you may be required to create an account and provide certain information. You agree to provide accurate, current, and complete information and to update it as necessary.

3.2 You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3.3 We reserve the right to suspend or terminate your account at any time, without notice, if we believe you have violated these Terms or engaged in conduct that we deem inappropriate or harmful.

4. Intellectual Property

4.1 All content and materials provided through the Services, including but not limited to videos, audio, text, images, graphics, logos, designs, downloads, templates, workbooks, software, and any other materials (collectively, the “Content”), are owned by or licensed to Teacher to Millionaire LLC and are protected by copyright, trademark, and other intellectual property laws.

4.2 When you purchase a product, program, or membership, you are granted a limited, revocable, non‑exclusive, non‑transferable license to access and use the Content for your personal, non‑commercial use only. You do not acquire any ownership rights in the Content.

4.3 You may not copy, reproduce, distribute, share, sell, license, publish, display, perform, modify, create derivative works from, upload, post, transmit, or otherwise exploit any Content, in whole or in part, for commercial purposes or in any way not expressly permitted by these Terms, without our prior written consent.

4.4 Any unauthorized use of the Content may result in immediate termination of your access to the Services, without refund, and may also result in legal action.

5. User Content and Community Guidelines

5.1 If you participate in any community, group, forum, coaching call, chat, or other interactive area associated with the Services (including on third‑party platforms), you may be able to create, post, or share content (“User Content”). You are solely responsible for your User Content.

5.2 You agree not to submit or share any User Content that is unlawful, harmful, defamatory, obscene, harassing, hateful, discriminatory, infringing, or otherwise objectionable, or that violates any third‑party rights or any applicable law.

5.3 We may, but are not obligated to, monitor, edit, or remove User Content in our sole discretion. We may remove or restrict access to any User Content and may remove you from a community or program, without refund, if we believe you have violated these Terms or community guidelines.

5.4 By submitting User Content, you grant us a non‑exclusive, worldwide, royalty‑free, perpetual, irrevocable, sublicensable license to use, reproduce, display, perform, distribute, and create derivative works of your User Content in connection with the Services and our business, subject to our Privacy Policy.

6. Purchases, Payment Plans, and Billing

6.1 All prices for our products, programs, and Services are displayed at the time of purchase and are subject to change at any time without notice.

6.2 If you purchase a product, program, membership, or coaching package, you agree to pay the full amount indicated at checkout, including any applicable taxes and fees, using a valid payment method.

6.3 For payment plans, you authorize us and our third‑party payment processors to charge your designated payment method for all scheduled payments according to the plan terms displayed at checkout. You agree to complete all payments as agreed.

6.4 If a payment is declined, fails, or is late, we may suspend or revoke your access to the relevant product, program, or membership until payment is brought current. We reserve the right to refer unpaid amounts to collection where permitted by law.

6.5 Access to any digital products, programs, or memberships is granted to you personally and may not be shared, transferred, or resold. Sharing login information or providing unauthorized access to others is strictly prohibited and may result in immediate termination of access without refund.

7. Chargebacks and Payment Disputes

7.1 You agree not to initiate chargebacks or payment disputes with your bank or payment provider for valid, authorized charges that are subject to these Terms.

7.2 If you initiate a chargeback or dispute for a payment that we reasonably believe is valid and authorized, we may immediately revoke your access to all products, programs, and communities, and we reserve all rights to contest the chargeback and pursue any other remedies available to us.

8. Refund Policy

8.1 Unless a different refund or guarantee is clearly stated on the specific product, program, or sales page, all sales are final and non‑refundable.

8.2 If a specific product or program includes a stated refund policy or guarantee, that policy will govern that purchase in addition to these Terms. You agree to review any product‑specific refund terms before purchasing.

9. Access, “Lifetime” Access, and Changes

9.1 Access to digital products, courses, programs, and memberships is for your personal use only and may be time‑limited or ongoing, as specified at the time of purchase.

9.2 If we describe access as “lifetime access,” this refers to the lifetime of the product or program, not your lifetime. We reserve the right to update, modify, or discontinue any product, program, community, or platform at any time, in our sole discretion.

9.3 We may migrate or move content between platforms (for example, from Kajabi to Go High Level) and may change how the Services are delivered, provided that you retain access consistent with the purchase terms.

10. Technology, Platforms, and Third‑Party Services

10.1 We may use third‑party platforms and tools (including but not limited to Kajabi, Go High Level, Lovable, Meta/Facebook/Instagram, and payment processors) to deliver the Services, host content, manage accounts, and run marketing campaigns.

10.2 We do not control and are not responsible for any outages, errors, data loss, interruptions, or technical issues caused by third‑party platforms or services. Your use of those platforms is at your own risk and may be subject to their separate terms and policies.

10.3 We do not guarantee that the Services will be available at all times or free from errors or interruptions.

11. Recording Consent

11.1 By participating in live sessions, coaching calls, group calls, trainings, or events associated with the Services, you acknowledge and agree that such sessions may be audio‑ and/or video‑recorded.

11.2 You consent to our use of such recordings for educational, training, product, and promotional purposes, including incorporating them into future products or programs, subject to our Privacy Policy. We will not disclose highly sensitive personal or financial details you clearly request to keep private.

12. Testimonials and Earnings Disclaimer

12.1 Any testimonials, reviews, case studies, or examples shared on the website, in marketing materials, or within the Services reflect the real experiences of specific individuals. However, they are not intended to represent or guarantee that you will achieve the same or similar results.

12.2 Your results will depend on many factors, including your background, experience, effort, and market conditions. We make no guarantees regarding your income, earnings, or financial results.

13. Disclaimer of Warranties

13.1 THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

13.2 TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT.

13.3 WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR‑FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT OR INFORMATION OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, OR COMPLETE.

14. Limitation of Liability

14.1 TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TEACHER TO MILLIONAIRE LLC OR ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES.

14.2 TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC PRODUCT OR PROGRAM GIVING RISE TO THE CLAIM, OR FIVE HUNDRED DOLLARS (USD $500), WHICHEVER IS LESS.

14.3 SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH CASES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

15. Indemnification

15.1 You agree to indemnify, defend, and hold harmless Teacher to Millionaire LLC and its owners, officers, employees, contractors, and agents from and against any and all claims, demands, causes of action, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

(a) your use of the Services;

(b) your violation of these Terms; or

(c) your infringement or violation of any rights of another person or entity.

16. Release of Claims

16.1 To the fullest extent permitted by law, you hereby release and discharge Teacher to Millionaire LLC and its owners, officers, employees, contractors, and agents from any and all claims, demands, and causes of action, known or unknown, arising out of or in any way connected with your use of the Services.

17. Governing Law

17.1 These Terms and any dispute arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict‑of‑law principles.

18. Dispute Resolution; Arbitration; Class Action Waiver

18.1 In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Services, you agree to first contact us to attempt to resolve the matter informally.

18.2 To the extent permitted by law, any dispute that cannot be resolved informally shall be resolved by binding arbitration on an individual basis, rather than in court, in Monroe County, New York, before a single arbitrator. The arbitration shall be conducted in accordance with the rules of a recognized arbitration provider.

18.3 YOU AND WE EACH WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE THAT ANY CLAIMS WILL BE BROUGHT ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

18.4 Notwithstanding the foregoing, either party may bring an individual action in small‑claims court in Monroe County, New York, if the claim qualifies.

19. Email Communications and Marketing

19.1 By providing your email address, creating an account, purchasing a product, or opting into our content, you consent to receive communications from us, including transactional emails, service announcements, and marketing or promotional messages.

19.2 You may unsubscribe from marketing emails at any time by clicking the “unsubscribe” link or contacting us directly. We may still send you non‑marketing emails related to your account, purchases, or legal notices.

20. Privacy and Cookies

20.1 Your use of the Services is also governed by our Privacy Policy and Cookie Policy, which explain how we collect, use, and share your information and how we use cookies and similar technologies.

20.2 By using the Services, you acknowledge that you have read and understand our Privacy Policy and Cookie Policy.

21. Changes to These Terms

21.1 We may update or modify these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page.

21.2 Any changes will become effective when posted, unless otherwise stated. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms.

22. Contact Information

If you have any questions about these Terms or the Services, you may contact us at:

Teacher to Millionaire LLC

Email: [email protected]