Website Terms of Use

1. Description of the Site

The Site provides educational and informational content relating to consumer credit, financial literacy, budgeting, and homeownership preparation, including free and paid materials, live and recorded classes, self-paced courses, an optional paid membership, and optional 1-on-1 mentoring session requests. The Site is educational in nature and is not a substitute for professional legal, tax, financial, or credit repair services.

2. Eligibility

You must be at least 18 years old to create an account, make a purchase, or submit a request through the Site. By using the Site, you represent that you meet this requirement.

3. Accounts

Some features of the Site require creating an account with a username, email address, and password. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly of any unauthorized use of your account.

4. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose;
• Attempt to gain unauthorized access to any part of the Site, other accounts, or systems;
• Interfere with or disrupt the Site's operation, including through automated scraping or abuse of any request forms;
• Copy, resell, or redistribute paid materials or course content without authorization;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.

5. Purchases and Membership

Paid materials, courses, and the optional membership are processed through a third-party payment processor. See our Payment, Refund & Cancellation Policy for details on billing, cancellation, and refunds.

6. Intellectual Property

All content on the Site — including text, graphics, videos, course materials, and downloadable guides — is the property of One United Enterprise LLC or its licensors and is protected by intellectual property laws. You may not copy, distribute, sell, modify, or reproduce Site content without prior written permission, except for personal, non-commercial use of materials you have properly purchased or been granted access to.

7. Testimonials and Third-Party Links

Testimonials on the Site reflect individual experiences and are not typical or guaranteed — see our FTC Earnings/Results Disclaimer. The Site may link to or reference independent third-party businesses; see our Referral & Third-Party Disclosure. We do not control and are not responsible for third-party sites or services.

8. Disclaimers

The Site and its content are provided "as is" without warranties of any kind, express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or secure. See our Website Disclaimer for additional important disclosures.

9. Limitation of Liability

To the fullest extent permitted by Florida law, One United Enterprise LLC and its owners, members, employees, contractors, and affiliates shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of the Site.

10. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users or the Site.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida. Any legal action arising under these Terms shall be brought in a court of competent jurisdiction located within the State of Florida, unless otherwise required by applicable law.