Terms and Conditions
Effective Date: January 01, 2025

By accessing or using COMPANY’s services, including its website, digital courses, and related content (hereinafter the “Services”), you acknowledge and agree to these Terms and Conditions.

1. Payment, Refund & Chargeback Policy

1.1 One-Time & Installment Payments
• Customers may purchase COMPANY’s digital course through a one-time payment or an installment plan (split payments).
• If an installment plan is chosen, the customer agrees to complete all scheduled payments in full.
• Failure to complete installment payments may result in account suspension, legal action, and collection of outstanding balances.

1.2 Refund Policy
• Refund requests must be submitted via email to exitfourtyllc@gmail.com within 24 hours of purchase.
• Refunds will only be granted if the customer has accessed less than 10% of the course.
• After 24 hours or exceeding the 10% access limit, all sales are final and non-refundable.

1.3 Chargebacks & Disputes
• Customers waive the right to initiate a chargeback without first contacting COMPANY’s support.
• Unauthorized chargebacks may result in account suspension, legal action, and debt collection measures.
• If COMPANY successfully disputes a chargeback, the customer will be permanently banned from future purchases.

2. Lifetime Access Terms

2.1 Definition of Lifetime Access
• “Lifetime Access” refers to the lifetime of the course, not the lifetime of the customer.
• If COMPANY discontinues the course, customers will be provided with an equivalent replacement or alternative access at COMPANY’s discretion.

3. Jurisdiction & Governing Law

3.1 For U.S. Customers
• These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
• All disputes shall be resolved via binding arbitration in Florida, under the rules of the American Arbitration Association (AAA).

3.2 For Non-U.S. Customers
• These Terms shall be governed by the laws of the Russian Federation.
• Disputes shall be resolved via binding arbitration in Moscow, Russia, under the Russian Arbitration Association (RAA) rules.

3.3 No Court or Jury Trials
• Customers waive their right to file lawsuits in court.
• All disputes shall be settled through binding arbitration only.

3.4 Class Action Waiver
• Customers agree not to participate in any class-action lawsuits or collective arbitration proceedings.

4. Privacy Policy & Data Use

4.1 Data Compliance
• COMPANY complies with GDPR, Florida data privacy laws, and Russian data regulations.
• Cookies are used for functionality but do not store personal data beyond what is necessary.

4.2 No Data Resale
• COMPANY does not sell, trade, or share customer data with third parties for marketing purposes.

5. Amendments & Notices

5.1 Modification of Terms
• COMPANY reserves the right to update these Terms without prior notice.
• Customers are encouraged to review the Terms regularly.

5.2 Legal Notices
• Legal correspondence must be sent to COMPANY via certified mail or emailed to exitfourtyllc@gmail.com.
• Notices are considered received upon confirmation of delivery.