Earnings Disclaimer & Terms of Sale

1. Overview

This Earnings Disclaimer & Terms of Sale applies to all products, programs, memberships, coaching packages, and services offered through I-FACTOR.AI and https://i-factor.ai (collectively, the "Offerings"). By purchasing or using any Offering, you agree to the terms described in this document, as well as our Terms of Service and Privacy Policy.

2. Educational Purpose & No Earnings Guarantee

All content, training, coaching, and resources provided through the Offerings are for educational and informational purposes only. Nothing on our Site or in our Offerings is a promise or guarantee of results or future earnings.

Any income, revenue, or business results referenced in our materials are illustrative examples only. They should not be considered typical or expected outcomes for every participant. Your individual results will vary based on numerous factors, including your skills, experience, effort, market conditions, and the actions you take.

You agree that SystematicB2B, LLC and I-FACTOR.AI are not responsible for your success or failure in applying the strategies, information, or tools provided in the Offerings and that you are solely responsible for your business decisions and actions.

3. Personal Responsibility

You acknowledge that your use of any information or recommendations from our Offerings is at your own risk. You agree to perform your own due diligence and to consult with qualified professionals (including legal, financial, tax, or business advisors) before taking any action based on our content.

You agree not to hold SystematicB2B, LLC, I-FACTOR.AI, or any of our officers, employees, contractors, or representatives liable for any decisions, actions, or outcomes you take or experience in your business or personal life as a result of the Offerings.

4. Testimonials & Examples

Any testimonials, case studies, or examples shared on our Site or in our marketing materials reflect the experiences of specific individuals who used our Offerings. These examples are not guarantees that you will achieve the same or similar results.

Your results are influenced by many factors beyond our control. Past results do not guarantee future performance or outcomes.

5. Memberships & Single-User Access

Unless otherwise stated, all memberships, online courses, and digital products are licensed for use by a single individual only. You agree not to share your account login, training materials, or portal access with anyone else.

If we reasonably believe that membership access is being shared or misused, we may, at our sole discretion, suspend or terminate access to the Offering without refund.

6. Cancellations, Renewals & Refunds

The specific cancellation and refund terms for each product, program, or membership will be stated at the point of sale or in your order confirmation. Where not otherwise stated, the following general terms apply:

• Recurring memberships: If you wish to cancel a recurring membership or subscription, you must do so prior to your next billing date (e.g., at least a few business days before renewal where indicated) to avoid being charged for the next period.
• No guarantees of refunds: Unless a refund policy is explicitly stated for a particular Offering, all sales are final and non-refundable to the maximum extent permitted by law.
• Rejoining after cancellation: If you cancel and later decide to rejoin, you may not be entitled to any previous promotional pricing or bonuses.

Please review the specific sales page or order form for details on the applicable refund and cancellation terms for each Offering.

7. Coaching Packages

From time to time, we may offer 1-on-1 or small-group coaching packages. The specific terms for each coaching package will be presented at the point of purchase. Unless explicitly stated otherwise, the following additional terms generally apply:

• Scheduling: You are responsible for scheduling your coaching sessions within the timeframe specified at purchase.
• Use-by period: Sessions must typically be used within a defined time window (for example, 90 days from purchase). Unused sessions after this period may be forfeited.
• Rescheduling: If you need to reschedule a session, you must provide notice within the timeframe specified in your coaching agreement (for example, at least 24 hours in advance), otherwise the session may be treated as used.
• No guarantees: Coaching is intended to provide guidance, feedback, and support, but we do not guarantee any particular business or financial results from coaching sessions.

8. Use of Recordings & Materials

Coaching calls, group sessions, and training calls may be recorded for participants to review later and for internal training and quality assurance. We may also use portions of recordings, anonymized where appropriate, for marketing or educational purposes, subject to any additional consent requirements under applicable law.

By participating in our programs, you consent to such recording and limited use, unless you notify us otherwise in writing and we mutually agree on an alternative arrangement.

9. No Professional Advice (Financial, Legal, or Tax)

Information provided through the Offerings is not intended as, and shall not be construed as, professional advice in the areas of law, finance, tax, accounting, or other regulated professions. We are not acting as your lawyer, accountant, or financial advisor.

You should consult with qualified professionals before implementing any strategies or decisions that may have legal, tax, or financial implications.

10. Limitation of Liability

To the fullest extent permitted by law, SystematicB2B, LLC, I-FACTOR.AI, and their officers, directors, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with the Offerings, including but not limited to lost profits, business interruption, or loss of data.

In jurisdictions where such limitations are not allowed, our liability shall be limited to the maximum extent permitted by law. In no event shall our total cumulative liability exceed the amount you paid (if any) for the specific Offering giving rise to the claim.