TERMS OF USE

Terms of Use

Please read these Terms of Use carefully before purchasing, accessing, or using any of our Programs, Products, and Services.

Our Programs, Products, and Services are owned and operated by Payments University (“Company,” “we,” or “us”). The term “you” refers to any purchaser and/or user of any of our Programs, Products, and/or Services.

These Terms of Use (“Terms of Use”) state how you may use our Programs, Products, Services, and Program Materials, and their content. Please read these Terms of Use carefully. We reserve the right to change these Terms of Use from time to time.

By using any of our Programs, Products, and Services, you are agreeing to the Terms of Use as they appear and are legally bound by them, whether or not you have read them. If at any time you do not agree with these Terms of Use, please do not use our Programs, Products, and Services.

These Terms of Use require the use of arbitration on an individual basis to resolve disputes, rather than jury trials, and limit the remedies available to you in the event of a dispute. You fully understand and agree that by enrolling in, purchasing, and/or using any of our Programs, Products, Services, and Program Materials, you are waiving certain legal rights and voluntarily agreeing to do so.

NOTE: If you have purchased one of our products via a payment plan of any kind, you are required to make all payments until you are paid in full. To protect ourselves and our affiliates, we do send payment defaults to a collections agency, and this can have a negative impact on your credit score.

Use and Consent

By purchasing or using any of our Programs, Products, or Services, you agree to abide by these Terms of Use, our Privacy Policy, and any other terms and conditions that may apply, and you are required to act in accordance with them. Accessing, purchasing, or using our Programs, Products, Services, or Program Materials in any manner constitutes use of the Program, Products, Services, and Program Materials, and your agreement to be bound by these Terms of Use.

All of our Programs, Products, Services, and Program Materials are intended solely for users who are eighteen (18) years of age or older.

Any registration by, use of, or access to any Program, Product, Service, or Program Materials by anyone under age 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By accessing or using our Programs, Products, or Services, or our Program Materials, you represent and warrant that you are at least 18 years old.

Intellectual Property Rights

Our Limited License to You. Our Programs, Products, Services, and all Program Materials are our property and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws.

The content in our Programs, Products, and Services is solely owned by or licensed to us unless otherwise indicated. This includes, but is not limited to, the design, layout, look, appearance, graphics of our Program Materials, or any other material provided by us. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms of Use.

If you purchase or access any of our Program Materials through our Programs, Products, or Services, you will be considered our Licensee. For the avoidance of doubt, all content obtained through us is our property, and you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only. This means that you may not use our Programs, Products, Services, or Program Materials in a manner that constitutes an infringement of our rights or in a manner not authorized by us.

You are permitted to use our Programs, Products, Services, and Program Materials as follows:

You may download and/or print Program Materials for your own personal use in your business. You may not share, sell, reprint, or republish Program Materials, including handouts, for resale or mass reproduction.

Any trademarks, taglines, and logos displayed on Program Materials are trademarks belonging to us. Any use including framing, metatags, or other text utilizing these trademarks is prohibited without our express written consent.

Prohibited Uses

As a Licensee, you agree you will not:

Copy, share, or steal our Programs, Products, Services, or Program Materials. Use, adapt, or represent our Programs, Products, Services, or Program Materials as your own. Modify, reproduce, republish, upload, post, transmit, translate, sell, or distribute Program Materials in any medium for commercial purposes. Violate our intellectual property rights, including copyright and trademark rights.

Engaging in prohibited or unauthorized use of our Programs, Products, or Program Materials is considered theft. We retain the right to prosecute theft to the full extent of the law.

Media Release

By participating in our Programs, Products, and Services, you consent to photographs, videos, and/or audio recordings that may include your image, voice, or likeness. We reserve the right to use these in our Programs, Products, Services, and promotional materials without compensation to you.

Security

We may collect personal information such as your name, email address, phone number, billing information, or other identifying details when you purchase or use our Programs, Products, or Services. By providing this information, you grant us permission to use and store it. We take reasonable precautions to protect your information but cannot guarantee its complete security.

Personal Responsibility and Assumption of Risk

You agree you are using our Programs, Products, Services, and Program Materials at your own risk. They are for informational and educational purposes only. No results are guaranteed. You are solely responsible for your actions, decisions, and results based on your use of our Programs, Products, Services, and Program Materials.

Disclaimers

General Disclaimer: Our Programs, Products, Services, and Program Materials are provided “as is” without warranties of any kind, express or implied. Medical Disclaimer: We do not provide medical or mental health advice. Always consult with your licensed healthcare provider. Legal & Financial Disclaimer: We do not provide legal, tax, or financial advice. Consult your own professional advisors. Earnings Disclaimer: We make no guarantees of income or results from use of our Programs, Products, or Services. Technology Disclaimer: We do not guarantee uninterrupted or error-free access to our Programs, Products, or Services.

Purchases and Online Commerce

If paying by debit card or credit card, you authorize us to automatically charge your card without additional authorization. You will receive an electronic receipt.

Payments are required in full unless a payment plan is offered and selected. Failure to make payments on time may result in suspension of access. Payment defaults may be referred to collections, which can negatively impact your credit score.

If you purchase through an affiliate or third-party merchant, your dealings are solely between you and that merchant. We are not responsible for their policies, terms, or practices.

Termination

You may terminate your use of our Programs, Products, or Services at any time by contacting us. We reserve the right to terminate your access at any time, with or without notice, for any violation of these Terms of Use. Any outstanding balances remain due immediately upon termination.

Dispute Resolution

If a dispute arises, we encourage resolution via email communication. If resolution cannot be reached, disputes shall be resolved exclusively by binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will be held in Hartford, CT. The prevailing party will be entitled to recover reasonable attorneys’ fees and costs.

By purchasing our Programs, Products, or Services, you agree that any arbitration must be initiated within one (1) year of the dispute.

You also agree not to engage in conduct, public or private, designed to disparage us, our Company, or our Programs, Products, or Services.

Confidentiality and Privacy

We may collect personal information when you participate in or purchase our Programs, Products, or Services. We will use this information in accordance with our Privacy Policy. Your information will not be shared with third parties except as required by law or as necessary to provide our services.

Whenever you share information in our Programs, Products, Services, or related platforms, you acknowledge that it may be visible and accessible to others.

Passwords

You may be issued a username and password for access to certain Programs or Services. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Sharing your login credentials is prohibited and may result in termination of access.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the State of Tennessee.

If you have any questions about these Terms of Use, please contact us at https://payments-university.com/home.