Our programs or courses (“Services”) are provided by Millennials With Money OÜ, Tornimäe 3, 10145 Tallinn, Estonia (“we”, “us”, “our”) subject to these Terms, our Privacy Policy, Cookie Policy, and other policies on millennialswithmoney.thinkific.com (collectively, the “Agreement”).
1. AGREEMENT TERM
The Agreement begins when you first use or sign up for our Service and lasts as long as you use it.
2. ACKNOWLEDGEMENT
Our courses provide financial and life coaching guidance, not professional financial, legal, or medical advice. Always consult a qualified professional.
3. SERVICES
Subject to these Terms, we grant you a limited, non-exclusive, personal right to use our Services. Your access isn't dependent on future features.
4. ACCESS
To use our Service, you must:
4.1. be at least 18 and legally able to agree to contracts;
4.2. register;
4.3. accept these Terms; and
4.4. provide accurate contact information.
If representing an entity, you confirm your authority to accept these Terms.
5. FEES, AND PAYMENTS
Fees for paid services are on our Thinkific profile or in writing. You agree to pay all Fees by their due date. Late payment may suspend/terminate access. We may amend Fees with notice; continued use means acceptance. You pay applicable taxes. Thinkific (using Stripe) handles payments; you are subject to their terms. We are not liable for payment processor failures. We may change payment methods without notice. Full payment is due by the due date without restriction.
6. PROHIBITED ACTIVITIES
Use Services lawfully and as intended. You must not:
6.1. Breach laws;
6.2. Engage in unlawful or fraudulent activities;
6.3. Send/receive non-compliant material;
6.4. Transmit harmful code.
You also must not:
6.5. Reproduce, duplicate, copy, or re-sell Services;
6.6. Unauthorisedly access, interfere with, damage, or disrupt:
6.6.1. Unauthorised social media subgroups (e.g., WhatsApp);
6.6.2. Services;
6.6.3. Service equipment/networks;
6.6.4. Content used in Services; or
6.6.5. Third-party equipment, networks, or Content.
7. COURSE CONTENT
We grant you a non-exclusive, personal license to use Course Content until termination. Commercial use requires our explicit license. Comply with all third-party terms for Service features.
You must not, directly or indirectly:
7.1. Commercially exploit Course Content or Services;
7.2. Reverse engineer or create derivatives of Course Content/Services;
7.3. Use automated programs ("hacks") with this Service;
7.4. Remove/alter copyright/trademark notices;
7.5. Export/re-export Course Content/Services against applicable laws.
Use Course Content and Services lawfully and as intended.
8. COURSE CONTENT OWNERSHIP
All intellectual property rights in Course Content and Services (including all elements) belong to us and our licensors, protected by law. Licensed materials within are similarly protected. All ungranted rights are reserved. This License does not transfer ownership of Services or Course Content.
9. TERM AND TERMINATION
These Terms are effective while you use the Service. We may deny or terminate your access/use (including blocking IP addresses) without notice or liability, at our sole discretion, for any reason (e.g., breaching Terms or law). We may also terminate your use/participation and content posted at any time without warning.
10. COURSE DISCLAIMER
Services and Course Content are provided "as-is" and "as-available." Your use is at your sole risk. We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose. We don't guarantee content is virus-free, accurate, secure, or compatible, nor any specific results. Course Content is for education/entertainment, not advice; do not rely on it for decisions. We are not liable for damages/losses from using or inability to use Services/Course Content. The author is not liable for content's use. Information is impersonal; results are hypothetical. Past performance doesn't guarantee future results. By using Services, you accept these risks and are responsible for your decisions.
11. WARRANTIES
Services and Course Content are provided "as-is." We disclaim all warranties, express or implied, including merchantability and fitness for purpose. We don't warrant Services/content are virus-free. This Agreement does not warrant:
11.1. Specific financial/life coaching outcomes;
11.2. Specific Service results; or
11.3. Services' usability in any respect.
12. LIMITATION OF LIABILITY
We are not liable for information accuracy on our Services. Your use is at your sole risk. Do not re-sell Services. We have no liability for:
12.1. Lost profits, sales, business, or revenue;
12.2. Business interruption;
12.3. Lost savings;
12.4. Data loss/corruption;
12.5. Lost business opportunity/reputation; or
12.6. Any other indirect/consequential loss.
Our liability is not limited/excluded for:
12.7. Death/personal injury from our negligence;
12.8. Fraud; and/or
12.9. Any legally non-limit-able matter.
Services are not for record-keeping; we are not liable for data loss. These Terms define our full obligations; all other implied terms are excluded by law.
12.10. Our total aggregate liability to you for any and all claims arising out of or in connection with these Terms, whether in contract, tort (including negligence), or otherwise, shall not exceed the amount of the price paid for the course in the form of one-time payments or monthly subscription payments.
Services are not for record-keeping; we are not liable for data loss. These Terms define our full obligations; all other implied terms are excluded by law.
13. INDEMNITY
You agree to indemnify us, our affiliates, and our personnel from all claims, losses, damages, and costs (including legal fees) due to your acts, omissions, use of Services, or breach of these Terms/laws.
14. OTHER IMPORTANT TERMS
We may transfer our rights/obligations without affecting yours; you may transfer yours only with our written consent. No joint venture, partnership, agency, or employment relationship is created. These Terms, and referenced documents, form the entire agreement, superseding prior understandings. You have no claims for misrepresentations not herein. Our failure to enforce rights doesn't waive them; written waiver is required. If any term is unlawful, the rest remain valid. Estonian laws govern these Terms and disputes. For disputes, agree to 60-day good faith discussions, then submit to Estonian courts' exclusive jurisdiction.