Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the websites, member portal, courses, community, and related services (the “Services”) provided by [[LEGAL BUSINESS NAME]] (“The One Percent Nation,” “we,” “us,” or “our”). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy.

1. Eligibility & Accounts

• You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account.
• You are responsible for the accuracy of your account information and for keeping your login credentials confidential.
• You are responsible for all activity that occurs under your account.

2. Acceptable Use

You agree not to:

• Use the Services for any unlawful, harmful, or fraudulent purpose;
• Attempt to gain unauthorized access to other users’ data, accounts, or our systems;
• Upload malware or interfere with the integrity or performance of the Services;
• Harass, abuse, or harm others, or post unlawful or infringing content;
• Scrape, resell, or misuse the Services or other users’ information.

3. Purchases, Subscriptions & Refunds

Paid courses and subscriptions are billed through our payment processor, Stripe. Prices, billing intervals, and any renewal terms are shown at checkout. Subscriptions renew automatically until cancelled. Refunds, if any, are governed by our refund policy: [[REFUND POLICY / TERMS]].

4. User Content & Community

You retain ownership of the content you submit (posts, comments, notes, uploads). You grant us a non-exclusive, worldwide license to host, display, and distribute that content solely to operate and provide the Services. You are responsible for your content and must have the rights to share it. We may remove content that violates these Terms.

5. Communications Consent

By providing your email or phone number and opting in, you consent to receive related communications. You can opt out of marketing emails via the unsubscribe link, and opt out of SMS by replying STOP. Transactional messages necessary to operate your account may still be sent.

6. Intellectual Property

The Services, including course materials, text, graphics, logos, and software, are owned by or licensed to us and are protected by intellectual property laws. We grant you a limited, non-transferable, revocable license to access the Services for your personal or internal business use. You may not copy, redistribute, or create derivative works without our permission.

7. Disclaimers

The Services and all content are provided “as is” and “as available” without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. We do not guarantee specific results from any course, program, or coaching content.

8. Limitation of Liability

To the maximum extent permitted by law, The One Percent Nation and its officers, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Services. Our total liability for any claim will not exceed the amount you paid us in the 12 months before the event giving rise to the claim.

9. Termination

You may stop using the Services and delete your account at any time from your Profile page. We may suspend or terminate access if you violate these Terms or to protect the Services or other users.

10. Governing Law

These Terms are governed by the laws of the State of [[GOVERNING STATE]], without regard to conflict of law principles. Any disputes will be resolved in the courts located in [[VENUE / COUNTY, STATE]], unless otherwise required by applicable law.

11. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted with a new “Last updated” date and, where required, additional notice. Continued use of the Services after changes take effect constitutes acceptance.

12. Contact

[[LEGAL BUSINESS NAME]]
[[BUSINESS MAILING ADDRESS]]
Email: [[SUPPORT / LEGAL EMAIL]]

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