TERMS OF SERVICE
Last Updated: February 4, 2026
1. GENERAL PROVISIONS
1.1. Public Offer: This Agreement is a legally binding public offer between You Dream Bigger LLC (the “Company”) and any individual or entity (the “Participant” or “Client”) who purchases or registers for educational courses, masterclasses, or materials (the “Services”) via https://youdreambigger.org.
1.2. Acceptance: By clicking “I Agree,” paying for the Services, or accessing Course Materials, the Client confirms they have read, understood, and agreed to all terms of this Agreement and the associated Privacy Policy.
1.3. Eligibility: Services are available only to persons at least 18 years of age.
2. SUBJECT OF THE AGREEMENT
2.1. Nature of Services: The Company provides online educational services in the field of personal finance, money management, and financial literacy.
2.2. Scope: Services include access to a digital platform, video lessons, methodological templates, quizzes, and, if applicable, group support or live Q&A sessions.
3. FINANCIAL SERVICES DISCLAIMER (CRITICAL PROTECTION)
3.1. Educational Purpose Only: The Client acknowledges that all information provided by the Company is for educational and informational purposes only.
3.2. Not Financial Advice: The Company is not a licensed financial advisor, investment broker, tax professional, or legal consultant. Nothing in the Course constitutes individualized financial, investment, legal, or tax advice.
3.3. Assumption of Risk: Any financial decisions or investments made by the Client during or after the training are the sole responsibility of the Client. The Company does not guarantee any specific financial results, income levels, or success.
3.4. No Fiduciary Duty: The Company does not act as a fiduciary and does not have any duty to ensure that the information provided is suitable for the Client’s specific financial situation.
4. COMMUNICATION & SMS CONSENT (A2P 10DLC COMPLIANCE)
4.1. Consent: By providing a mobile number, the Client expressly consents to receive SMS/MMS notifications (alerts, reminders, and marketing) from the Company.
4.2. Opt-Out: The Client can opt-out at any time by replying STOP. For help, reply HELP.
4.3. Data Privacy: As per our Privacy Policy, mobile opt-in data and consent will not be shared with any third parties for marketing purposes.
4.4. Costs: Standard message and data rates may apply. Message frequency varies.
4.5. Carrier Liability: Carriers are not liable for delayed or undelivered messages.
5. FEES AND REFUND POLICY
5.1. Pricing: Course fees are set forth on the checkout page or invoice. All prices are in US Dollars.
5.2. Final Sale: Due to the immediate delivery of digital content, all sales are final.
5.3. No Refunds: Once access to the training platform or digital materials has been granted, the Company does not provide refunds, credits, or cancellations.
5.4. Chargebacks: The Client agrees not to initiate any chargebacks or payment disputes with their bank or credit card provider. Any attempt to do so will be considered a breach of this Agreement and may result in immediate termination of access.
6. INTELLECTUAL PROPERTY & CONDUCT
6.1. Ownership: All materials (videos, texts, graphics, spreadsheets) are the exclusive property of the Company and are protected by US copyright laws.
6.2. License: The Client is granted a single, non-transferable, revocable license for personal use only.
6.3. Restrictions: The Client shall not:
Share login credentials with others.
Record, copy, redistribute, or resell any part of the course.
Use materials for commercial purposes or to train others.
6.4. Conduct: The Client must maintain a respectful environment in group chats/calls. Harassment or spamming of other participants is grounds for immediate expulsion without refund.
7. LIMITATION OF LIABILITY
7.1. Liability Cap: To the maximum extent permitted by law, the Company’s total liability for any claim arising out of this Agreement shall not exceed the amount actually paid by the Client for the specific Service.
7.2. No Indirect Damages: The Company is not liable for any lost profits, lost savings, or consequential damages resulting from the use or inability to use the Services.
8. TERM AND TERMINATION
8.1. Access Period: Access to materials is limited to the timeframe specified at purchase (e.g., 3 months). After this period, access may be revoked.
8.2. Termination by Company: The Company reserves the right to terminate access if the Client violates Section 6 (IP) or Section 8 (Conduct) without notice or refund.
9. GOVERNING LAW AND DISPUTE RESOLUTION
9.1. Jurisdiction: This Agreement is governed by the laws of the State of North Carolina, USA.
9.2. Arbitration: Any dispute that cannot be resolved through negotiation shall be settled by binding arbitration in Chatham County, NC. The Client waives the right to participate in a class-action lawsuit or jury trial.
10. CONTACT INFORMATION
For all inquiries or support:
You Dream Bigger LLC
Number: +1 917-280-2625