Terms of Service

1. Agreement to Terms

By accessing or using I-FACTOR.AI, located at https://i-factor.ai, and any content, programs, membership areas, or coaching services we provide (collectively, the "Services"), you ("user", "you", or "your") agree to be bound by these Terms of Service (the "Terms"). If you do not agree to these Terms, you may not access or use the Services.

These Terms form a binding agreement between you and SystematicB2B, LLC, the owner and operator of I-FACTOR.AI.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into these Terms to use the Services. By using the Services, you represent and warrant that you meet these requirements. The Services are not intended for children under 18, and we do not knowingly permit such individuals to create accounts.

3. Account Registration

To access certain features of the Services, you may be required to create an account and provide registration information, such as your name, email address, and password. You agree to:

• Provide accurate, current, and complete information.
• Maintain and promptly update your information to keep it accurate and complete.
• Keep your login credentials confidential and not share your account with others.
• Notify us immediately if you suspect any unauthorized use of your account.

You are responsible for all activities that occur under your account, whether or not authorized by you.

4. Use of the Site and Services

You agree to use the Services only for lawful purposes and in accordance with these Terms. You may not use the Services:

• In any way that violates any applicable law or regulation, including advertising, privacy, or anti-spam laws.
• To infringe the rights of others, including intellectual property, privacy, or publicity rights.
• To transmit any content that is defamatory, abusive, harassing, obscene, or otherwise objectionable.
• To upload or transmit viruses, malware, or any other harmful code.
• To attempt to gain unauthorized access to the Services or any related systems or networks.

We may, in our sole discretion, suspend or terminate your access to the Services for any violation of these Terms or for conduct that we believe may harm I-FACTOR.AI, other users, or third parties.

5. Purchases, Subscriptions, and Billing

We may offer digital products, memberships, subscriptions, and coaching programs for sale through I-FACTOR.AI. By placing an order, you agree to pay the applicable fees displayed at the time of purchase, along with any applicable taxes.

Unless stated otherwise at checkout, all fees are non-refundable except where required by law or as otherwise stated in our published refund policy. You authorize us and our third-party payment processors to charge your selected payment method for all amounts due.

If you purchase a recurring subscription or membership, your subscription will automatically renew at the end of each billing period, and your payment method will be charged unless you cancel in accordance with the instructions provided in your account or order confirmation email.

6. Refusal of Service

We reserve the right to refuse, cancel, or limit any order or service request at our sole discretion, including but not limited to cases where we suspect fraud, misuse, violation of these Terms, or other harmful behavior. If we cancel an order after charging you, we will issue a refund for any amounts paid for that order.

7. Intellectual Property & License

All content, materials, trademarks, service marks, logos, and intellectual property made available through the Services (including training materials, worksheets, videos, recordings, and written content) are owned by SystematicB2B, LLC or its licensors and are protected by copyright and other intellectual property laws.

Subject to your compliance with these Terms and any applicable purchase terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the materials for your personal or internal business use only. You may not:

• Copy, reproduce, or distribute our materials to others.
• Modify, adapt, or create derivative works based on our materials.
• Sell, resell, or exploit any portion of the Services or materials without prior written permission.
• Share login credentials or provide access to paid content to any third party who has not paid for their own access.

We reserve all rights not expressly granted in these Terms or any applicable purchase agreement.

8. User Content

You may submit, upload, or share content through the Services, including comments, questions, feedback, and materials shared in community forums or coaching sessions (“User Content”). You retain ownership of your User Content, but by submitting it, you grant SystematicB2B, LLC a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, display, and distribute your User Content solely in connection with operating and improving the Services and, where applicable, for promotional purposes (for example, using anonymized excerpts as testimonials or examples), subject to any additional consent we may request from you.

You represent and warrant that you have the necessary rights to grant this license and that your User Content does not infringe or violate the rights of any third party or any applicable law.

9. Third-Party Services

The Services may link to or integrate with third-party websites, software, or services (such as payment processors, webinar platforms, or social media sites). We are not responsible for the content, policies, or practices of these third parties. Your use of third-party services is governed by the terms and policies of those providers, and you should review them carefully.

10. Disclaimers

The Services and all content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, SystematicB2B, LLC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Services will be uninterrupted, secure, or error-free, or that any particular results (including income, business growth, or customer acquisition) will arise from your use of our programs or materials. Your use of the Services is at your own risk. Please also review our separate Earnings Disclaimer for more details regarding financial and business outcomes.

11. Limitation of Liability

To the maximum extent permitted by law, SystematicB2B, LLC and its officers, directors, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to your use of or inability to use the Services, even if we have been advised of the possibility of such damages.

In jurisdictions where limitations of liability are not permitted, our liability shall be limited to the fullest extent allowed by law. In no event shall our total liability for all claims related to the Services exceed the amount you paid, if any, for access to the specific product or program giving rise to the claim, or one hundred US dollars (US$100), whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless SystematicB2B, LLC and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or connected with your:

• Use or misuse of the Services.
• Violation of these Terms.
• Violation of any rights of another person or entity, including intellectual property or privacy rights.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, any rights or licenses granted to you under these Terms will immediately cease.

Sections of these Terms that by their nature should survive termination (including, but not limited to, payment obligations, intellectual property, disclaimers, limitations of liability, and indemnification) will remain in effect.

14. Changes to These Terms of Service

We may update or modify these Terms from time to time. When we do, we will revise the Effective Date at the top of this page. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Services.