Terms of Service

1. Acceptance of Terms

By creating an account, enrolling in a course, or submitting your phone number or email address through any of our forms or pages, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated herein by reference.

2. Age Restriction

Our services, including SMS communications, course enrollment, and platform access, are intended solely for individuals who are 18 years of age or older. By using our services, you represent and warrant that you are at least 18 years old. We do not knowingly collect information from or provide services to anyone under the age of 18.

3. SMS Communications

By providing your mobile phone number and opting in to SMS communications, you consent to receive recurring automated text messages from Todd M. Fleming. SMS messages may be used for the following purposes:

·Course enrollment confirmations and access notifications

·Platform updates and new content announcements

·Promotional offers, events, and marketing messages

·Billing reminders and account notifications

·Customer support responses

Message Frequency: Message frequency will vary based on your activity and preferences.

Message & Data Rates: Message and data rates may apply. Please check with your mobile carrier for details.

4. SMS Opt-Out Instructions

You may opt out of SMS messages at any time using any of the following methods:

·Reply STOP to any SMS message you receive from us to unsubscribe immediately

·Reply HELP to any SMS message for assistance

Contact us directly at the support information listed in Section 8 of these Terms After opting out, you will receive a one-time confirmation message. You will not receive further SMS messages unless you opt back in. Opting out of SMS does not affect your course access or account status.

5. Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier. We are not responsible for messages that are delayed or not delivered due to network conditions, carrier limitations, or any factors outside our control.

6. Course Access and Use

Upon enrollment, you are granted a limited, non-transferable license to access the purchased course content through the Financial Favor Platform for your personal, non-commercial use. You agree not to:

·Share your login credentials with others

·Reproduce, distribute, or resell any course content

·Record or download course materials without written permission

·Use course content for commercial purposes without prior written consent

·We reserve the right to revoke access for any user found to be in violation of these Terms.

7. Payments and Refund Policy

All purchases are processed through secure third-party payment processors. Prices are listed in US dollars. Please review our refund policy on our website before purchasing. We reserve the right to update pricing at any time, with changes applying to future purchases only.

8. Customer Support Contact

For questions, support requests, or to exercise any rights related to your account or communications, please contact us:

·Todd M. Fleming

·Website: toddmfleming.com

·Email: [email protected]

·For SMS support, reply HELP to any text message you receive from us.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is available at toddmfleming.com/Privacy-Policy. The Privacy Policy is incorporated into these Terms by reference. By agreeing to these Terms, you also acknowledge and agree to the practices described in our Privacy Policy.

10. Intellectual Property

All content on toddmfleming.com and within the Financial Favor Platform, including but not limited to course videos, written materials, graphics, and branding, is the intellectual property of Todd M. Fleming and is protected by applicable copyright and trademark laws. Unauthorized reproduction or distribution is strictly prohibited.

11. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our platform will be uninterrupted, error-free, or free of harmful components. Results from course content will vary by individual and are not guaranteed.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to our website with a revised "Last Updated" date. Your continued use of our services following any changes constitutes your acceptance of the updated Terms.

13. Governing Law

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

These Terms of Service were prepared for toddmfleming.com and the Financial Favor Platform and are intended to satisfy SMS compliance requirements and applicable consumer protection standards.