Terms of Service

1. Introduction & Acceptance of Terms

1.1 Scope of Agreement

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and The Oldford Company LLC ("Company," "we," "us," or "our"), a limited liability company organized and existing under the laws of the State of Indiana, United States. These Terms govern your access to and use of all websites, platforms, digital properties, products, services, content, tools, and features operated by the Company, including but not limited to ScottOldford.com, OnlineBusinessOwner.com, and all associated subdomains, mobile applications, and third-party platform integrations (collectively, the "Sites" and "Services").

1.2 Acceptance by Use

By accessing, browsing, registering for an account on, subscribing to, purchasing from, or otherwise using any of our Sites or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any other policies or guidelines referenced herein. If you do not agree to all of these Terms, you must immediately discontinue your use of our Sites and Services.

1.3 Age Requirement

You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction (whichever is greater), to access or use our Sites and Services. By using our Sites and Services, you represent and warrant that you meet this age requirement. If you are accessing our Sites or Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

1.4 Updates to Terms

We reserve the right to modify, amend, or update these Terms at any time, in our sole discretion. When we make material changes, we will notify you by posting the updated Terms on our Sites, updating the "Last Updated" date, and, where appropriate, sending notice via email or through a prominent notice on our Sites.

Your continued use of our Sites or Services following the posting of any changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically to stay informed of any updates.

1.5 Supplemental Terms

Certain Services may be subject to additional terms and conditions or policies ("Supplemental Terms"), which will be presented to you at the time of purchase or enrollment. In the event of a conflict between these Terms and any Supplemental Terms, the Supplemental Terms shall control with respect to the applicable Service, unless the Supplemental Terms expressly state otherwise.

2. Definitions

For the purposes of these Terms, the following definitions shall apply throughout this document:

• "Company," "We," "Us," or "Our" refers to The Oldford Company LLC, including its owners, officers, employees, agents, contractors, affiliates, and successors.
• "Sites" refers to all websites, web applications, and digital properties operated by the Company, including but not limited to ScottOldford.com, OnlineBusinessOwner.com, and all related subdomains, landing pages, microsites, and platform integrations.
• "Services" refers to all products, services, features, and functionalities offered through our Sites, including but not limited to: digital courses, online coaching and mentorship programs, AI-powered business tools (including the SOX AI suite), newsletters, podcasts, community platforms, assessments and diagnostic tools, membership programs, ebooks and digital downloads, live events and workshops, media content, and any other offerings made available by the Company.
• "Content" refers to all materials, information, data, text, graphics, images, photographs, video, audio, music, software code, AI-generated outputs, frameworks, methodologies, course materials, ebooks, assessments, templates, tools, and any other content or materials made available through our Sites and Services, whether created by the Company, its affiliates, or third parties.
• "User Content" refers to any content, data, information, text, images, videos, feedback, testimonials, comments, questions, or other materials that you submit, post, upload, transmit, or otherwise make available through our Sites or Services, including but not limited to forum posts, community contributions, assessment responses, coaching session notes, and communications.
• "AI Tools" refers to all artificial intelligence-powered features, tools, and functionalities offered through our Sites and Services, including but not limited to: chatbots, AI-powered assessments, diagnostic tools, AI mentors (such as the AI Business Mentor), content generation tools, the SOX AI suite of 25+ tools (including Relevancy Architect, Omnipresence Engine, and related tools), and any other features that utilize artificial intelligence, machine learning, large language models, or automated decision-making technologies.
• "Membership" refers to any subscription-based or recurring access program offered by the Company, including but not limited to the Online Business Accelerator and any other membership, subscription, or recurring billing program.
• "Digital Products" refers to ebooks, courses, workshops, templates, toolkits, lead magnets, and any other downloadable or accessible digital goods made available through our Sites and Services, including but not limited to The Nuclear Effect, Million in the Red, Resonance, and related publications.
• "Intellectual Property" refers to all patents, copyrights, trademarks, service marks, trade secrets, trade names, logos, domain names, proprietary methodologies, frameworks, and any other intellectual property rights owned by or licensed to the Company.

3. Account Registration & Security

3.1 Registration Requirements

Certain features of our Services may require you to create an account or register for access. When registering, you agree to provide accurate, current, and complete information as requested in the registration form. You further agree to promptly update your registration information to keep it accurate, current, and complete at all times. Providing false, inaccurate, outdated, or incomplete information may result in the immediate suspension or termination of your account.

3.2 Account Security

You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username and password. You agree to: (a) create a strong, unique password that you do not use for any other online accounts; (b) not share your account credentials with any third party; (c) immediately notify us of any unauthorized use of your account or any other breach of security; and (d) ensure that you log out of your account at the end of each session, particularly when using a shared or public device. You are fully responsible for all activities that occur under your account, whether or not authorized by you.

3.3 One Account Per Person

Each individual is permitted to maintain only one (1) account across our Sites and Services. Creating multiple accounts to circumvent restrictions, take advantage of promotional offers more than once, or for any other purpose is strictly prohibited and may result in the termination of all associated accounts without notice or refund.

3.4 Suspension and Termination of Accounts

We reserve the right to suspend, disable, or terminate your account and/or access to our Sites and Services, temporarily or permanently, at any time, with or without notice, for any reason, including but not limited to: (a) violation of these Terms; (b) suspected fraudulent, abusive, or illegal activity; (c) non-payment of applicable fees; (d) extended periods of inactivity; or (e) at our sole discretion for any reason we deem appropriate. Upon termination, your right to access the Services will immediately cease, and we may delete your account data in accordance with our data retention policies.

4. Use of Services

4.1 License Grant

Subject to your compliance with these Terms and payment of any applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Sites and Services solely for your own personal, non-commercial, educational purposes. This license does not include the right to: (a) resell, redistribute, or commercially exploit any part of the Services or Content; (b) modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Services; (c) create derivative works based on the Services or Content; or (d) use the Services or Content for the benefit of any third party.

4.2 Acceptable Use Policy

You agree to use our Sites and Services only for lawful purposes and in accordance with these Terms. You agree not to use our Sites or Services in any manner that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use and enjoyment of the Services. You agree to comply with all applicable local, state, national, and international laws and regulations in connection with your use of the Services.

4.3 Prohibited Conduct

When using our Sites and Services, you expressly agree not to engage in any of the following prohibited activities:

• Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code, underlying algorithms, or structure of any part of our Services, AI Tools, or software.
• Using any automated means, including bots, crawlers, spiders, scripts, or similar technologies, to access, collect data from, or interact with our Sites or Services without our prior written consent.
• Attempting to gain unauthorized access to any portion of the Services, other users' accounts, or any computer systems or networks connected to our Services through hacking, password mining, or any other means.
• Harassing, threatening, intimidating, stalking, or otherwise engaging in abusive behavior toward other users, Company personnel, or any third party through our Sites or Services.
• Sending unsolicited communications, spam, chain letters, pyramid schemes, or other unauthorized promotional materials through our Services.
• Reselling, redistributing, copying, reproducing, sharing, or otherwise making available any Content, course materials, or other proprietary materials to third parties without our express written permission.
• Sharing your login credentials or account access with any other individual or allowing multiple individuals to use a single account.
• Uploading, posting, or transmitting any content that is unlawful, defamatory, obscene, offensive, hateful, threatening, invasive of privacy, or otherwise objectionable.
• Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with any person or entity.
• Interfering with or disrupting the integrity or performance of the Services or the data contained therein.
• Attempting to probe, scan, or test the vulnerability of our systems or networks, or breaching any security or authentication measures.
• Using the Services to compete with the Company, develop competing products, or for any purpose that is detrimental to the Company's business interests.
• Recording, screen-capturing, or otherwise reproducing live sessions, coaching calls, webinars, or other live events without the express written consent of the Company and all participants.

4.4 Data and Content License

By using our Services, you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, create derivative works from, distribute, publicly display, and otherwise exploit any and all data, content, information, feedback, and materials you provide through our Services, in any media or format, for any purpose, including but not limited to: operating, improving, and developing our Services; training, developing, and improving artificial intelligence and machine learning models; creating and licensing data products and analytics; marketing, advertising, and promotional purposes; research and development; and any other lawful commercial purpose.

5. AI-Powered Tools & Services

5.1 Description of AI Technologies

The Company utilizes artificial intelligence ("AI") technologies across its platforms and Services, including but not limited to large language models (LLMs), machine learning algorithms, natural language processing, automated decision-making systems, and generative AI capabilities. These technologies power various features within our ecosystem, including the SOX AI suite of 25+ tools (such as the Relevancy Architect, Omnipresence Engine, AI Business Mentor, and related tools), AI-powered assessments and diagnostics, personalized content recommendations, chatbot interfaces, and automated content generation features.

5.2 AI-Generated Content Disclaimer

IMPORTANT: All content, outputs, recommendations, suggestions, analyses, strategies, and other information generated by our AI Tools are provided for informational and educational purposes only. AI-generated outputs do NOT constitute and should NOT be construed as professional advice of any kind, including but not limited to:

• Legal advice or legal opinions
• Financial, investment, or tax advice
• Medical, health, or psychological advice
• Accounting or auditing advice
• Business advice that replaces the judgment of qualified professionals
• Any other form of licensed professional counsel

You should always consult with qualified, licensed professionals before making any decisions based on information provided by our AI Tools. The Company expressly disclaims any and all liability arising from your reliance on AI-generated content.

5.3 No Guarantee of Accuracy

While we strive to provide helpful and relevant AI-generated outputs, we make no representations or warranties regarding the accuracy, completeness, reliability, timeliness, suitability, or availability of any content generated by our AI Tools. AI systems, by their nature, may produce outputs that contain errors, inaccuracies, biases, hallucinations, outdated information, or incomplete analyses. The Company does not guarantee that AI-generated content will be free from such issues.

5.4 Independent Verification Required

You acknowledge and agree that you are solely responsible for independently verifying, evaluating, and validating any and all recommendations, suggestions, strategies, data points, or other outputs provided by our AI Tools before taking any action based thereon. You should exercise your own judgment and, where appropriate, seek independent professional advice before implementing any AI-generated recommendations in your business or personal affairs.

5.5 Data Handling and AI Interactions

Our AI Tools process and analyze inputs you provide (such as questions, business data, responses to assessments, and other information) in order to generate personalized responses and recommendations. BY USING OUR AI TOOLS, YOU ACKNOWLEDGE AND CONSENT THAT THE COMPANY USES YOUR INPUTS, AI CONVERSATIONS, ASSESSMENT DATA, USAGE PATTERNS, BEHAVIORAL DATA, AND ALL OTHER USER-PROVIDED DATA TO TRAIN, DEVELOP, IMPROVE, AND ENHANCE ITS PROPRIETARY AI MODELS, ALGORITHMS, AND TOOLS.

Specifically, the Company may use data collected through AI Tool interactions for the following purposes:

• Training, developing, fine-tuning, and improving the Company's proprietary AI models, machine learning algorithms, and automated systems.
• Developing new AI-powered products, services, features, and functionalities.
• Creating aggregated insights, benchmarks, analytics reports, and data products that may be licensed, sold, or otherwise made available to third parties for commercial purposes.
• Conducting research and development to advance the Company's technology and offerings.
• Any other lawful commercial purpose as determined by the Company in its sole discretion.

The Company may share anonymized, aggregated, or de-identified AI interaction data with partners, researchers, third-party developers, and other third parties for research, analytics, product development, and commercial purposes. By using our AI Tools, you expressly consent to all such data usage as described in this section. If you do not consent to the Company's use of your data as described herein, you should not use the AI Tools. Your continued use of the AI Tools constitutes your ongoing consent to these data practices.

5.6 Changes to AI Features

We reserve the right to update, modify, enhance, restrict, or discontinue any AI-powered features, tools, or functionalities at any time, with or without notice, in our sole discretion. This includes changes to the underlying AI models, algorithms, capabilities, availability, feature sets, or performance characteristics of our AI Tools. We shall not be liable to you or any third party for any such modifications or discontinuation.

5.7 Assumption of Risk

By using our AI Tools, you expressly acknowledge and assume all risks associated with the use of AI-generated content, including but not limited to the risk of inaccurate, incomplete, misleading, or inappropriate outputs. You agree that you will not hold the Company responsible for any decisions you make, actions you take, or outcomes you experience based on AI-generated content provided through our Services.

5.8 AI as Supplementary Tool

Our AI Tools are designed to supplement, not replace, your own knowledge, expertise, judgment, and the advice of qualified professionals. AI-generated content should be treated as one of many inputs in your decision-making process, not as a definitive or authoritative source. The Company strongly encourages users to combine AI-generated insights with their own research, experience, professional consultations, and critical thinking.

5.9 Emergency and Crisis Limitations

Our AI Tools are NOT designed, intended, or suitable for handling emergencies, crisis situations, or time-sensitive critical matters. This includes but is not limited to medical emergencies, mental health crises, imminent threats to safety, urgent legal matters, or any situation requiring immediate professional intervention. If you are experiencing an emergency, please contact the appropriate emergency services (such as 911 in the United States) or a qualified professional immediately. Do not rely on our AI Tools in emergency or crisis situations.

5.10 Prohibited Uses of AI Tools

In addition to the general prohibited conduct outlined in Section 4, you specifically agree not to:

• Use AI Tools to generate content that is illegal, harmful, deceptive, fraudulent, or violates the rights of any third party.
• Attempt to manipulate, exploit, or circumvent AI safety measures, content filters, or usage limitations.
• Use AI Tools to generate spam, misleading content, or content designed to deceive others.
• Input sensitive personal information of third parties (such as Social Security numbers, financial account numbers, or health information) into AI Tools without proper authorization.
• Use AI-generated outputs to misrepresent that such content was created by a human or to conceal the AI-generated nature of the content in contexts where disclosure is required or expected.
• Systematically extract, download, or compile AI-generated outputs for the purpose of building competing products or services.

5.11 Data Monetization and Commercial Use

The Company reserves the right to monetize, license, sell, or otherwise commercially exploit aggregated, anonymized, de-identified, or pseudonymized data derived from user interactions, usage patterns, AI Tool usage, assessment responses, and other data collected through the Services. Without limiting the foregoing, the Company may:

• Share personal information with third-party partners, advertisers, data brokers, and other commercial entities for marketing, advertising, analytics, and other lawful purposes, subject to applicable law and your right to opt out where required by law.
• Create and sell data products, reports, benchmarks, insights, and analytics derived from user data.
• License aggregated or anonymized datasets to third parties for research, analytics, AI development, and commercial purposes.
• Use data derived from user interactions to develop, market, and sell new products and services.
• Share user data with affiliated companies, successors, and assignees for any lawful business purpose.

Users acknowledge that their use of the Services generates valuable data that the Company may use for its own commercial benefit. The Company's rights under this section survive termination of your account or these Terms. Where applicable law provides you with a right to opt out of the sale or sharing of your personal information, the Company will honor such requests in accordance with its Privacy Policy.

6. Intellectual Property

6.1 Company Intellectual Property

All Content, materials, software, designs, graphics, logos, trademarks, service marks, trade names, course materials, frameworks, methodologies, and other intellectual property made available through our Sites and Services are owned by or licensed to The Oldford Company LLC and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws. This includes, without limitation, the following proprietary frameworks and methodologies: the R.O.I. Method, the 3 Lane Method, the Nuclear Effect framework, and all related concepts, processes, and materials developed by the Company.

6.2 Trademarks

The Company's name, logos, product names (including but not limited to "Scott Oldford," "The Nuclear Effect," "Online Business Owner," "Online Business Accelerator," "SOX AI," "Relevancy Architect," "Omnipresence Engine," "AI Business Mentor," "The 7-Figure Letter," "Million in the Red," "Resonance," and related marks), and all associated trade dress are trademarks or registered trademarks of The Oldford Company LLC. You may not use any of these marks without the prior written permission of the Company. All other trademarks, product names, and company names or logos mentioned on our Sites are the property of their respective owners.

6.3 Limited License to Users

Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable license to access and view the Content on our Sites solely for your personal, non-commercial, educational use. You may not copy, reproduce, distribute, transmit, broadcast, display, sell, license, create derivative works from, or otherwise exploit any Content from our Sites or Services without the prior express written consent of the Company. Any unauthorized use of our intellectual property constitutes a violation of these Terms and may also violate applicable copyright, trademark, and other laws.

6.4 User Content License

You retain ownership of any User Content that you submit, post, or transmit through our Sites and Services. However, by submitting, posting, or transmitting User Content, you grant the Company a worldwide, exclusive, royalty-free, perpetual, irrevocable, fully sublicensable (through multiple tiers), and freely transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display, and otherwise exploit such User Content in any media or format now known or hereafter developed, for any purpose whatsoever, including but not limited to:

• Operating, improving, and promoting our Sites and Services.
• Marketing, advertising, and promotional purposes, including the use of testimonials, case studies, success stories, and user feedback without additional consent or compensation.
• Training, developing, and improving artificial intelligence and machine learning models, algorithms, and systems.
• Creating, licensing, and selling derivative works, data products, analytics, and benchmarks.
• Sublicensing to third parties, including partners, affiliates, advertisers, and commercial entities.
• Any other lawful commercial purpose as determined by the Company.

You represent and warrant that you have all necessary rights to grant this license and that your User Content does not infringe upon the intellectual property rights or other rights of any third party. To the fullest extent permitted by applicable law, you irrevocably waive any and all moral rights (including rights of attribution and integrity) in and to your User Content. The Company may use anonymized, de-identified, or aggregated versions of User Content for any purpose without restriction, notice, or compensation.

6.5 DMCA / Copyright Complaints

We respect the intellectual property rights of others and expect our users to do the same. If you believe that your copyrighted work has been copied or used in a way that constitutes copyright infringement, please provide our designated copyright agent with the following information in accordance with the Digital Millennium Copyright Act (DMCA):

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
• Identification of the copyrighted work claimed to have been infringed.
• Identification of the material that is claimed to be infringing and that is to be removed, with sufficient information to permit us to locate the material.
• Your contact information, including address, telephone number, and email address.
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
• A statement, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

DMCA notices should be sent to: legal@scottoldford.com.

7. Digital Products, Courses & Memberships

7.1 Description of Offerings

The Company offers a variety of digital products and services through its ecosystem, including but not limited to: online courses and educational programs; membership and subscription programs (including the Online Business Accelerator program); coaching and mentorship services (including group coaching, one-on-one mentorship, and AI-powered coaching); ebooks and digital publications (including The Nuclear Effect, Million in the Red, Resonance, and other titles); workshops, live events, and masterclasses; free lead magnets and diagnostic tools; newsletters (including The 7-Figure Letter and the OnlineBusinessOwner newsletter); podcasts and media content; AI-powered business tools (including the SOX AI suite); and community access and networking opportunities.

7.2 Payment Terms and Billing

All prices for our paid Services are displayed in United States Dollars (USD) unless otherwise indicated. Prices are subject to change at any time without notice, except that price changes will not affect existing orders or active subscription periods. Payment is due at the time of purchase or enrollment, unless a payment plan is explicitly offered and agreed upon. We accept payment through third-party payment processors, including Stripe, PayPal, Fanbasis and other authorized processors. You agree to provide accurate and complete billing information and to promptly update such information as necessary. You are responsible for all charges incurred under your account, including applicable taxes, fees, and currency conversion charges.

7.3 Auto-Renewal for Subscriptions and Memberships

Subscription-based Services, including membership programs such as the Online Business Accelerator, will automatically renew at the end of each billing cycle (monthly or annually, as applicable) unless you cancel your subscription prior to the renewal date. The renewal rate will be the then-current price for the applicable subscription plan. We will attempt to charge your designated payment method on file for the renewal amount. If payment fails, we may retry the charge, suspend your access, or cancel your subscription in accordance with our billing policies. You will receive a reminder notification prior to any auto-renewal where required by applicable law.

7.4 Cancellation and Refund Policy

Digital Products: Due to the nature of digital products and the immediate access provided upon purchase, all sales of digital products (including ebooks, courses, and downloadable materials) are generally non-refundable once access has been granted or the product has been delivered. However, if you experience a technical issue that prevents you from accessing a purchased product, please contact us within fourteen (14) days of purchase, and we will work to resolve the issue or provide a refund at our discretion.

Subscriptions and Memberships: You may cancel your subscription or membership at any time by contacting us or through your account settings. Upon cancellation, you will continue to have access to the subscription Services through the end of your current paid billing period. No partial refunds or credits will be issued for unused portions of a billing period. After the end of the current billing period, your access to subscription-only features and content will be terminated.

Coaching and Mentorship Programs: Refund policies for coaching and mentorship programs will be specified in the applicable program agreement or enrollment terms. Unless otherwise stated, coaching and mentorship fees are non-refundable once the program has commenced.

7.5 Access Terms

Access to purchased digital products and Services is granted for your personal use only. You agree not to share, transfer, or provide access to your purchased products or Services to any other individual. Specifically, you agree not to: (a) share login credentials or allow multiple users to access your account; (b) download and redistribute course materials, ebooks, or other digital products; (c) record, screen-capture, or otherwise reproduce live sessions, coaching calls, webinars, or workshops without the express written consent of the Company and all participants; or (d) use purchased content to create competing products, courses, or services. Violation of these access terms may result in immediate termination of your access without refund.

7.6 Modifications to Products and Services

We reserve the right to modify, update, enhance, or discontinue any course content, product features, pricing, program structure, or any other aspect of our digital products, courses, and memberships at any time. For active subscriptions and memberships, we will provide reasonable notice of any material changes that may adversely affect your use of the Services.

7.7 Use of Program Data and Learning Analytics

You acknowledge and agree that all course materials, coaching insights, program participation data, learning analytics, assessment results, progress data, engagement metrics, and any other data generated through your use of our digital products, courses, and memberships may be used by the Company to develop new products and services, train and improve AI systems and models, create benchmarks, reports, and analytics, conduct research and development, and for any other lawful business purpose. The Company retains all rights in and to any insights, analytics, benchmarks, or derivative data created from such information.

8. Community Guidelines

8.1 Code of Conduct

Our community spaces — including but not limited to online forums, social media groups, live coaching sessions, group calls, membership communities, comment sections, and any other interactive features — are designed to foster a supportive, professional, and constructive environment. By participating in any of our community spaces, you agree to:

• Treat all members, facilitators, and Company personnel with respect, courtesy, and professionalism.
• Engage in constructive, on-topic discussions that contribute value to the community.
• Respect diverse perspectives, backgrounds, and experiences.
• Use appropriate and professional language at all times.
• Respect the privacy and confidentiality of other members.

8.2 Prohibited Community Behavior

The following behaviors are strictly prohibited in all community spaces:

• Soliciting, promoting, advertising, or selling your own products, services, or business without explicit prior written permission from the Company.
• Sending unsolicited direct messages or private communications to other members for promotional or commercial purposes.
• Sharing, disclosing, or distributing confidential information, proprietary materials, trade secrets, or any non-public information from our programs, courses, coaching sessions, or community spaces with individuals who are not authorized members.
• Engaging in bullying, harassment, discrimination, hate speech, or any form of abusive behavior.
• Posting or sharing false, misleading, or defamatory information about the Company, its personnel, or other members.
• Violating any applicable laws or regulations through community participation.

8.3 Content Removal and Member Removal

We reserve the right to monitor, review, edit, remove, or delete any User Content posted in our community spaces at our sole discretion, with or without notice. We further reserve the right to restrict, suspend, or permanently remove any member from our community spaces who violates these Community Guidelines, these Terms, or who engages in behavior that we determine, in our sole discretion, to be harmful to the community, other members, or the Company. Removal from community spaces does not entitle the removed member to a refund of any fees paid.

9. Cookies & Tracking Technologies

9.1 Use of Cookies and Similar Technologies

Our Sites use cookies, web beacons, pixels, tags, scripts, and similar tracking technologies (collectively, "Cookies") to enhance your experience, analyze usage patterns, deliver targeted advertising, build user profiles for ad targeting, enable retargeting and cross-site tracking, and improve the functionality and performance of our Sites and Services.

9.2 Types of Cookies We Use

• "Essential Cookies": These Cookies are strictly necessary for the operation of our Sites. They enable core functionality such as page navigation, access to secure areas, and account authentication. Our Sites cannot function properly without these Cookies.
• "Analytics and Performance Cookies": These Cookies help us understand how visitors interact with our Sites by collecting and reporting information about usage patterns, page views, session duration, and similar metrics. This information is used to improve our Sites and Services.
• "Marketing and Advertising Cookies": These Cookies are used to deliver advertisements that are relevant to your interests, measure the effectiveness of advertising campaigns, limit the number of times you see a particular advertisement, enable retargeting across websites and platforms, build user profiles for targeted advertising, and track your browsing activity across different websites and digital properties. Data collected through these Cookies may be shared with or sold to third-party advertisers, advertising networks, data brokers, and marketing partners for targeted advertising and commercial purposes.
• "Functional Cookies": These Cookies allow our Sites to remember choices you make (such as your language preference, region, or username) and provide enhanced, more personalized features.

9.3 Third-Party Cookies and Data Sharing

We use third-party services that may place Cookies on your device when you visit our Sites. These third-party services include, but are not limited to: Google Analytics (website analytics and reporting); Facebook/Meta Pixel (advertising and conversion tracking); email marketing platforms (such as ActiveCampaign or similar services); payment processors (such as Stripe and PayPal); social media plugins and integrations; and advertising networks. These third parties have their own privacy and cookie policies, which we encourage you to review.

Data collected through Cookies and tracking technologies may be shared with or sold to third-party advertisers, data brokers, marketing partners, and other commercial entities for the purposes of targeted advertising, retargeting, audience building, analytics, and other lawful commercial purposes. By using our Sites, you acknowledge and consent to such data collection and sharing practices.

9.4 Managing Cookie Preferences

You can manage, control, and delete Cookies through your web browser settings. Most browsers allow you to block or delete Cookies, set preferences for specific websites, and manage your Cookie history. Please note that disabling or deleting certain Cookies may affect the functionality of our Sites and may prevent you from accessing certain features. Where available, you may also use our Cookie management tools or consent banners to adjust your preferences. For comprehensive information about how we collect, use, and protect your personal data, please refer to our Privacy Policy.

10. Third-Party Links & Services

10.1 Third-Party Links

Our Sites and Services may contain hyperlinks, references, or integrations to websites, products, services, or content operated or provided by third parties ("Third-Party Services"). These links are provided solely for your convenience and informational purposes. The inclusion of any link does not imply our endorsement, sponsorship, affiliation with, or approval of the linked site, its operator, or its content. We have no control over, and assume no responsibility for, the content, privacy practices, terms of service, accuracy, reliability, or availability of any Third-Party Services.

10.2 Third-Party Payment Processors

We use third-party payment processors, including Stripe, PayPal, and other authorized payment service providers, to process payments for our Services. Your use of these payment processors is subject to their respective terms of service, privacy policies, and other applicable agreements. We do not store your full credit card numbers, bank account details, or other sensitive payment information on our servers. You acknowledge that the Company is not responsible for any errors, failures, or security breaches caused by third-party payment processors.

10.3 Affiliate Links Disclosure

Our Sites and Content may contain affiliate links, meaning that if you click on a link and make a purchase, we may earn a commission or referral fee at no additional cost to you. We only recommend products and services that we believe may be valuable to our audience. However, we make no representations or warranties regarding any third-party products or services referenced through affiliate links. Any purchases you make through affiliate links are between you and the respective third-party seller, and we are not a party to such transactions.

10.4 Third-Party Platform Dependencies

Certain aspects of our Services may rely on third-party platforms, tools, or infrastructure (including but not limited to hosting providers, course delivery platforms such as Thinkific, email service providers, and cloud computing services). We are not responsible for any disruptions, outages, data loss, or other issues caused by third-party platforms or services that are beyond our reasonable control.

10.5 Data Sharing with Third-Party Partners

The Company may share user data, including personal information, usage data, and behavioral data, with third-party partners for commercial purposes, including but not limited to:

• Advertising networks and platforms for targeted advertising and retargeting.
• Data brokers and analytics companies for data enrichment, audience building, and commercial data products.
• Affiliate and referral partners for tracking, attribution, and commission purposes.
• Business partners and co-marketing partners for joint marketing campaigns and promotions.
• Technology partners for product development, integration, and service improvement.

By using our Sites and Services, you consent to the sharing of your data with third-party partners as described in this section and in our Privacy Policy. Where applicable law requires your opt-in consent for specific types of data sharing, we will obtain such consent before sharing your data.

11. Disclaimers & Warranties

11.1 "As Is" and "As Available" Basis

OUR SITES, SERVICES, CONTENT, AI TOOLS, AND ALL OTHER MATERIALS AND FUNCTIONALITIES PROVIDED BY THE COMPANY 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 APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

11.2 No Guarantees of Results or Outcomes

THE COMPANY MAKES NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES THAT THE USE OF OUR SERVICES, COURSES, COACHING, AI TOOLS, OR ANY OTHER OFFERINGS WILL PRODUCE ANY SPECIFIC RESULTS, OUTCOMES, REVENUE, INCOME, OR BENEFITS. ANY EXAMPLES, CASE STUDIES, TESTIMONIALS, OR REFERENCES TO PAST RESULTS (WHETHER OF THE COMPANY, ITS FOUNDER, OR ITS CLIENTS) ARE PROVIDED FOR ILLUSTRATIVE PURPOSES ONLY AND DO NOT CONSTITUTE A PROMISE, GUARANTEE, OR PREDICTION OF YOUR FUTURE RESULTS. INDIVIDUAL RESULTS WILL VARY AND DEPEND ON NUMEROUS FACTORS, INCLUDING BUT NOT LIMITED TO YOUR INDIVIDUAL EFFORT, BUSINESS MODEL, MARKET CONDITIONS, INDUSTRY, EXPERIENCE, SKILL LEVEL, AND MANY OTHER FACTORS OUTSIDE OF OUR CONTROL. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN RESULTS AND THAT THE COMPANY SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY FAILURE TO ACHIEVE DESIRED OUTCOMES.

11.3 No Warranty of Uninterrupted Service

We do not warrant that our Sites or Services will be uninterrupted, timely, secure, error-free, or free from viruses, malware, or other harmful components. We do not warrant that any defects will be corrected, or that our servers or the servers of third-party providers will be free of viruses or other harmful components. We are not responsible for any damage to your computer system, mobile device, data, or other property that may result from your access to or use of our Sites or Services.

11.4 Educational Content Disclaimer

All educational content provided through our Services, including courses, coaching, ebooks, newsletters, podcasts, AI-generated insights, and other materials, is intended to provide general information and guidance only. Such content does not constitute personalized professional advice tailored to your specific circumstances. You acknowledge that business decisions involve inherent risks and that you are solely responsible for your own business decisions and their outcomes.

11.5 Income and Results Disclaimers

Any statements or references to income, revenue, earnings, or financial results — whether made on our Sites, in our courses, through our AI Tools, in testimonials, case studies, or through any other medium — are provided as examples only and are not intended to represent or guarantee that you will achieve similar results. There is no assurance that any prior successes or past results regarding income, revenue, or any other financial benchmark can be used as an indication of your future success. Your results will depend entirely on your own efforts, circumstances, business model, market conditions, and many other factors. The Company makes no guarantees regarding your ability to generate income, profit, or achieve any particular results through the use of our Services.

11.6 AI Data Usage Disclaimer

THE COMPANY'S USE OF USER DATA FOR AI TRAINING, MODEL DEVELOPMENT, AND COMMERCIAL DATA PURPOSES AS DESCRIBED IN THESE TERMS DOES NOT CREATE ANY FIDUCIARY OBLIGATION, CONFIDENTIALITY OBLIGATION, OR DUTY OF CARE BETWEEN THE COMPANY AND THE USER BEYOND WHAT IS EXPRESSLY STATED IN THESE TERMS AND THE COMPANY'S PRIVACY POLICY. THE COMPANY MAKES NO WARRANTIES REGARDING THE SECURITY, CONFIDENTIALITY, OR PRIVACY OF DATA USED FOR AI TRAINING PURPOSES BEYOND THOSE EXPRESSLY REQUIRED BY APPLICABLE LAW.

12. Limitation of Liability

12.1 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL, CUMULATIVE LIABILITY OF THE COMPANY, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, CONTRACTORS, LICENSORS, AND SUCCESSORS, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SITES OR SERVICES, SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE ACTUALLY PAID TO THE COMPANY DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD).

12.2 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, CONTRACTORS, LICENSORS, OR SUCCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, USE, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.3 Specific Exclusions

Without limiting the generality of the foregoing, the Company shall not be liable for:

• Any errors, inaccuracies, or deficiencies in the outputs, recommendations, or content generated by our AI Tools.
• Any decisions you make or actions you take in reliance on Content, AI-generated outputs, course materials, coaching advice, or any other information provided through our Services.
• Any actions or omissions of third parties, including but not limited to payment processors, hosting providers, course delivery platforms, and other service providers.
• Any interruptions, delays, failures, errors, omissions, or loss of information resulting from system malfunctions, server outages, software bugs, cyberattacks, or other technical issues.
• Any loss or damage resulting from your failure to maintain the security and confidentiality of your account credentials.
• Any loss of business, revenue, or anticipated profits resulting from your use of our Services.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by applicable law.

13. Indemnification

You agree to defend, indemnify, and hold harmless The Oldford Company LLC, its owners, officers, directors, employees, agents, affiliates, contractors, licensors, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, expenses, and fees (including reasonable attorneys' fees and legal costs) arising from or related to:

• Your access to or use of our Sites, Services, Content, or AI Tools.
• Your violation of any provision of these Terms or any applicable law or regulation.
• Your User Content, including any claims that your User Content infringes upon or violates the intellectual property rights, privacy rights, or other rights of any third party.
• Your negligent or wrongful conduct in connection with the Sites or Services.
• Any dispute or claim between you and any third party arising from your use of the Services.
• Any misrepresentation made by you in connection with these Terms or your use of the Services.

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with the Company in asserting any available defenses. This indemnification obligation will survive the termination or expiration of these Terms and your use of the Services.

14. Dispute Resolution

14.1 Governing Law

These Terms and any disputes arising out of or relating to these Terms, your use of the Sites or Services, or the relationship between you and the Company shall be governed by and construed in accordance with the laws of the State of Indiana, United States, without regard to its conflict of law provisions. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

14.2 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or our Services informally by contacting us at legal@scottoldford.com. Both parties agree to negotiate in good faith for a period of at least thirty (30) days from the date of the initial notice before either party may initiate formal proceedings. The notice must include your name, the nature of the dispute, and the relief sought.

14.3 Mandatory Arbitration

If the parties are unable to resolve a dispute through informal negotiation within the thirty (30) day period, any remaining dispute, controversy, or claim shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator, and the seat of arbitration shall be in the State of Indiana, United States. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator shall have the authority to award any remedy or relief that a court of competent jurisdiction could order, including injunctive or other equitable relief and specific performance.

14.4 Arbitration Opt-Out

You have the right to opt out of the mandatory arbitration provision by sending written notice of your decision to opt out to legal@scottoldford.com within thirty (30) days of first accepting these Terms. Your notice must include your full name, mailing address, email address, and a clear statement that you wish to opt out of the arbitration provision. If you opt out, all other provisions of these Terms will continue to apply, and any disputes will be resolved in the courts of the State of Indiana.

14.5 Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND THE COMPANY EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN ARBITRATION OR IN COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST THE COMPANY.

If any court or arbitrator determines that this class action waiver is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provision in Section 14.3 shall be deemed null and void, and the parties shall be deemed to have not agreed to arbitrate disputes.

14.6 Small Claims Court Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court in the State of Indiana for disputes or claims that are within the jurisdictional limits of the small claims court, provided that such action is brought and maintained on an individual, non-class, and non-representative basis.

15. Termination

15.1 Termination by Company

The Company may, in its sole discretion, suspend, restrict, or terminate your account and/or access to all or any part of the Sites and Services at any time, for any reason or no reason, with or without prior notice. Reasons for termination may include, but are not limited to: (a) violation of these Terms or any applicable policies; (b) engagement in fraudulent, abusive, or illegal activity; (c) conduct that is harmful to other users, the Company, or third parties; (d) non-payment of applicable fees; or (e) at our sole discretion for business or operational reasons. The Company shall not be liable to you or any third party for any termination of your access to the Services.

15.2 Termination by User

You may terminate your relationship with the Company at any time by: (a) ceasing all use of our Sites and Services; (b) canceling any active subscriptions or memberships through your account settings or by contacting us; and (c) requesting deletion of your account by emailing legal@scottoldford.com. Please note that cancellation of a subscription or membership does not automatically delete your account or personal data. Account deletion requests will be processed in accordance with our Privacy Policy and applicable data retention requirements.

15.3 Effects of Termination

Upon termination of your account or access: (a) your license to access and use the Services will immediately cease; (b) you must immediately stop using all Content, materials, and proprietary information obtained through the Services; (c) we may delete your account data and User Content in accordance with our data retention policies; and (d) any outstanding payment obligations will remain due and payable.

15.4 Survival

The following sections shall survive any termination or expiration of these Terms: Definitions (Section 2), Intellectual Property (Section 6), Disclaimers & Warranties (Section 11), Limitation of Liability (Section 12), Indemnification (Section 13), Dispute Resolution (Section 14), and General Provisions (Section 17), as well as any other provisions that by their nature should reasonably survive termination.

16. Modifications to Terms

16.1 Right to Modify

The Company reserves the right to modify, revise, update, or replace any part of these Terms at any time, in its sole discretion. Any modifications will be effective upon posting of the revised Terms on our Sites, unless a later effective date is specified.

16.2 Notice of Material Changes

For material changes to these Terms — including changes that significantly affect your rights, obligations, or the nature of the Services — we will provide you with at least thirty (30) days' advance notice before the changes take effect. Notice may be provided by: (a) posting a prominent notice on our Sites; (b) sending an email to the address associated with your account; or (c) through in-app notifications or other reasonable means. We will update the "Effective Date" and "Last Updated" dates at the top of these Terms to reflect the date of the latest revision.

16.3 Acceptance of Modified Terms

Your continued use of our Sites or Services after the effective date of any modifications constitutes your acceptance of and agreement to the modified Terms. If you do not agree to the modified Terms, you must discontinue your use of the Sites and Services before the modifications take effect. For subscription or membership holders, if you do not agree with the modified Terms, you may cancel your subscription before the next renewal date.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, and any Supplemental Terms applicable to specific Services, constitute the entire agreement between you and the Company with respect to the subject matter hereof and supersede all prior or contemporaneous communications, proposals, agreements, and understandings, whether written or oral, between you and the Company regarding such subject matter.

17.2 Severability

If any provision of these Terms is held to be invalid, illegal, void, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if it cannot be so modified, it shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

17.3 Waiver

The failure of the Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any provision of these Terms shall be effective unless made in writing and signed by an authorized representative of the Company. Any waiver of a particular provision on one occasion shall not be deemed a waiver of the same or any other provision on any other occasion.

17.4 Assignment

You may not assign, delegate, or transfer your rights or obligations under these Terms, in whole or in part, without the prior written consent of the Company. The Company may freely assign, transfer, or delegate its rights and obligations under these Terms without restriction and without notice to you, including in connection with a merger, acquisition, corporate restructuring, sale of assets, or by operation of law.

17.5 Force Majeure

The Company shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent that such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemics, epidemics, war, terrorism, riots, civil unrest, government actions or orders, strikes, labor disputes, power failures, internet or telecommunications failures, cyberattacks, fire, flood, earthquake, or other force majeure events. In the event of a force majeure event, the Company's obligations will be suspended for the duration of the event, and the Company will use reasonable efforts to mitigate the impact and resume performance as soon as practicable.

17.6 Electronic Communications Consent

By using our Sites and Services, you consent to receive electronic communications from us, including but not limited to: emails, newsletters, push notifications, in-app messages, and other electronic notices. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You may withdraw your consent to receive marketing communications at any time by following the unsubscribe instructions provided in our emails or by contacting us.

17.7 Headings

The headings and section titles in these Terms are for convenience only and shall not affect the interpretation or construction of any provision.

17.8 No Third-Party Beneficiaries

These Terms are intended solely for the benefit of the parties hereto and do not create any rights in, or obligations to, any third party. Nothing in these Terms shall be construed to confer any third-party beneficiary rights.

17.9 Relationship of the Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, agency, franchise, or employment relationship between you and the Company. Neither party has the authority to bind the other or to incur any obligation on behalf of the other.

18. Contact Information

If you have any questions, concerns, or comments regarding these Terms of Service, or if you need to contact us for any reason related to your use of our Sites and Services, please reach out to us using the information below:

For DMCA / copyright complaints, please direct your notice to the email address above.

For privacy-related inquiries, please refer to our Privacy Policy available on our Sites.