Services Policy

This Services Policy, effective March, 2025, governs every training, coaching, consulting, and educational product and service sold by Investment Learning, LLC (“Consultant,” “we,” “our”). 

By providing payment information and/or completing a purchase, the buyer (“Client,” “you,” “your,” "they") confirms that they have read, understood, and accepted the terms that follow. For purposes of this policy, “Services” means any live or recorded coaching, consulting, class, group program, or support we provide; “Products” or “Materials” include all digital or physical assets we supply, such as videos, workbooks, templates, slide decks, and recordings; a “Session” is a scheduled one-on-one or group call delivered by phone, video, or in person; a “Package” is a bundle of Services and/or Materials purchased together; and a “Business Day” is Monday through Friday, excluding U.S. federal holidays.

All Sessions are booked through our online scheduling link and are confirmed only when you receive a calendar invite or email confirmation from us. Reschedule requests must reach us at least forty-eight hours before the Session start time; each Package allows a total of three reschedules, and any further request is treated as a no-show. Arriving more than fifteen minutes late or giving less than forty-eight hours’ notice counts as a no-show and forfeits that Session. Two or more no-shows, or any other material breach, allow us to terminate the Package immediately, and all unpaid balances then become due as described below. Every Session must be used by the earlier of the stated package end date or six months from purchase, and unused Sessions expire with no cash value.

If you are approved to pay in installments, access to Sessions and Materials is provided in the same proportion as the percentage of the total price you have paid. We may pause or withhold Sessions, Materials, community access, and other deliverables while any balance is overdue. By purchasing, you authorize us to charge the card or bank account on file for all amounts due. If a payment fails, you have a three-calendar-day grace period; after the third day a twenty-five-dollar administration fee and interest at one-and-a-half percent per month (eighteen percent APR) accrue on the overdue amount until paid. Any payment more than fourteen days late accelerates the entire remaining balance, making it immediately due. An unjustified chargeback incurs a two-hundred-fifty-dollar fee plus collection costs and interest, and unpaid balances may be referred to collections, with you responsible for reasonable collection and legal fees.

All sales are final. Cancelling, discontinuing, or terminating Services does not waive your responsibility to pay the full package price, and no refunds or credits will be issued for any reason. All Materials remain the exclusive property of Consultant; you receive a personal, non-transferable licence for your own learning only and may not copy, share, resell, or distribute Materials without our written consent. Both parties must keep confidential any proprietary information shared during Sessions, using it solely to perform under this policy and disclosing it only as required by law or with written permission. Sessions may be recorded for internal quality and training; recordings remain confidential unless you give written permission for external use. You grant us the right, though not the obligation, to use your written or video testimonials, name, and likeness for marketing, and you may revoke this consent at any time in writing.

Services and Materials are educational only, and no income, investment, or tax results are guaranteed. Consultant is not liable for any direct, indirect, incidental, or consequential damages arising from your use or misuse of the information provided; your sole remedy for any claim is the lesser of actual damages or the amount you paid for the Package. We are excused from performance for delays caused by events beyond our reasonable control, including natural disasters, illness, war, labor disputes, governmental actions, or internet or platform outages.

This policy is governed by the laws of the State of Florida. Any dispute the parties cannot resolve informally will be settled by binding arbitration in Pinellas County, Florida, under the Commercial Arbitration Rules of the American Arbitration Association, and the Client bears all filing, administrative, and arbitrator fees unless the arbitrator rules otherwise; judgment on any award may be entered in any Florida court having jurisdiction. We may update this policy from time to time, and the version in effect on the date of your purchase governs that transaction; updates take effect upon posting at our designated policy URL. This document is the entire agreement regarding its subject matter and supersedes all prior proposals, understandings, and communications. By authorizing or processing any payments, you acknowledge that you have read, understood, and agree to be bound by the Services Policy in effect as of today’s date.