Definitions


The following terms, when capitalized throughout this Agreement, shall have the meanings set forth below:


 "Company" T. Michelle and Associates, LLC, a limited liability company organized under the laws of the State of North Carolina, its successors, assigns, employees, officers, contractors, and agents.


"Services" All educational courses, training programs, workshops, webinars, coaching sessions, digital content, workbooks, downloadable materials, assessments, certifications of completion, and any other financial literacy or professional development programs offered by the Company, whether delivered in-person, virtually, or through a third-party platform.

"User" / "You" Any individual who registers for, enrolls in, accesses, purchases, or otherwise uses any Service offered by the Company, including organizational clients whose employees or members access Services on behalf of the organization.

"Account" The registered profile created by a User to access one or more Services.

"Content" All text, video recordings, audio recordings, slide presentations, workbooks, worksheets, assessments, quizzes, case studies, graphics, curriculum materials, course notes, scripts, and any other materials made available to Users through the Services.

"Platform" The Thinkific-powered learning site operated by T. Michelle and Associates, LLC, including any associated website, student dashboard, course player, checkout pages, and community features hosted through Thinkific Labs Inc. ("Thinkific"). References to "Platform" also include any other digital environment through which the Company delivers Services, such as live session tools (e.g., Zoom) or supplemental communication channels.

"Thinkific" Thinkific Labs Inc. (for users outside the United States) or Thinkific.com Inc. (for users within the United States), the third-party software-as-a-service provider that powers the Company's online course delivery Platform. Thinkific is an independent entity and is not a party to this Agreement. Your use of the Thinkific platform is also subject to Thinkific's own Terms of Service, available at thinkific.com/terms-of-service.

"Enrollment" The act of registering for and gaining access to a specific course, training program, or workshop through the Platform, whether paid or complimentary.

"Organizational Client" Any employer, institution, athletic association, union, agency, or corporate entity that purchases or arranges access to Services for multiple individuals.

"CFEI®" Certified Financial Education Instructor designation, conferred by the National Financial Educators Council.

Acceptance of Terms

These Terms of Use ("Agreement") constitute a legally binding contract between you and T. Michelle and Associates, LLC governing your access to and use of all Services. Please read this Agreement carefully before enrolling in or accessing any Service.

You accept and agree to be bound by this Agreement by taking any of the following actions:

Clicking "I Agree," "Enroll," "Register," or a similar button during the registration or enrollment process;

Completing a registration form, whether online, in-person, or through a third-party platform;

Accessing any Content, course materials, or live session after the effective date of this Agreement;

Submitting payment for any Service; or

Participating in any workshop, webinar, coaching session, or in-person training provided by the Company.

If you are accepting these Terms on behalf of an Organizational Client, you represent and warrant that you have the authority to bind that organization to this Agreement. In such case, "you" and "User" shall refer to that organization and all individuals accessing Services through it.

Eligibility

To register for and use the Services, you must meet the following eligibility requirements at the time of Enrollment and throughout your use of the Services:

Age: You must be at least 18 years of age. Users between the ages of 13 and 17 may access Services only with the documented consent of a parent or legal guardian, who accepts these Terms on the minor's behalf and assumes full responsibility for the minor's use of the Services.

Legal capacity: You must have the legal capacity to form a binding contract under applicable law in your jurisdiction.

Accuracy: All registration information you provide must be accurate, truthful, and current. The Company reserves the right to suspend or terminate accounts based on inaccurate information.

Not previously suspended: You must not have been previously suspended or removed from any Company Service for cause.

The Company reserves the right to verify eligibility and to deny or revoke access at its sole discretion. Services are intended primarily for individuals in the United States. Users accessing Services from outside the United States do so at their own risk and are responsible for compliance with local laws.


User Accounts & Registration

Accessing courses through the Company's Platform requires creating a student account on Thinkific ("Account"). Your Account is the credential through which you access all enrolled courses, downloaded materials, community features, and certificates. By creating an Account, you agree to the following:

Accurate information: You will provide your real name, a valid email address, and any other required information truthfully during Thinkific account registration. This information must match the name you wish to appear on any Certificate of Completion.

Account security: You are solely responsible for maintaining the confidentiality of your Thinkific login credentials, including your email and password. You agree not to share your login credentials, magic-link enrollment emails, or course access URLs with any third party.

Single-user access: Each Account is created for and may only be used by one individual. The Thinkific platform tracks login sessions and course progress per user. Sharing Account access with others including for simultaneous or group viewing of course content — is prohibited unless explicitly authorized in writing by the Company for an Organizational Client arrangement.

Unauthorized access: You will promptly notify the Company at tracey@tmassociatesllc.com if you become aware of any unauthorized access to or use of your Account. You should also report suspected unauthorized access to Thinkific through their support portal.

Responsibility: You are responsible for all activity that occurs under your Account, whether or not authorized by you. The Company is not liable for any loss or damage arising from your failure to maintain the security of your Account credentials. Do not use the same password for your Company Account that you use for other services.

Course Enrollment & Access: Upon successful Enrollment and, where applicable, payment, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the specific Content associated with the course, program, or workshop for which you have enrolled, subject to the terms of this Agreement. All course delivery occurs through the Company's Thinkific-powered Platform unless otherwise specified.

Thinkific account. Accessing courses through the Platform requires creating a student account on Thinkific. You may be prompted to create or log into a Thinkific account as part of the enrollment process. Your Thinkific account is subject to Thinkific's own Terms of Service and Privacy Policy in addition to this Agreement. The Company is not responsible for Thinkific's account policies, system outages, or changes to Thinkific's platform features.

Access periods. Access to online course Content through the Platform is provided on a lifetime-access basis unless otherwise stated at the time of Enrollment. "Lifetime access" means access for as long as the Company maintains the course on the Thinkific Platform. The Company does not guarantee indefinite availability of any specific course and reserves the right to retire, update, or migrate Content. In the event a course is retired, reasonable advance notice will be provided to enrolled students where practicable.

Thinkific platform availability. Course access depends on the continued operation of the Thinkific Platform. The Company is not liable for any interruption, outage, or technical issue attributable to Thinkific's infrastructure, and makes no warranty regarding Thinkific's uptime or feature availability. Scheduled or unscheduled Thinkific maintenance may temporarily affect course access.

Live sessions. Enrollment in a live workshop, webinar, or coaching session grants access to that specific session only. Live sessions may be hosted through Thinkific's built-in live session tools or through supplemental platforms such as Zoom. Recordings of live sessions, where made, are distributed solely at the Company's discretion and may be made available through the Platform. The Company is under no obligation to provide recordings of live sessions.

Downloadable materials. Course Content may include downloadable workbooks, worksheets, templates, and other supplemental materials. Downloads are provided for your personal educational use only. All downloaded materials remain subject to the intellectual property protections in Section 7.

No transfer of enrollment. Enrollment in any Service is personal to you and may not be transferred, gifted, sublicensed, or sold to another individual without prior written consent of the Company.

Organizational access. Organizational Clients who have executed a separate written agreement with the Company may designate authorized employees or members for enrollment. Group enrollments are managed through the Company's Thinkific account administration tools. Seat limits are as specified in the applicable organizational agreement.

The Company reserves the right to modify, supplement, update, or discontinue any course, program, or workshop, including its content, schedule, format, delivery method, or Platform, at any time. Where material changes affect enrolled Users, reasonable notice will be provided by email to the address associated with your Thinkific student account.

Fees, Payment & Refund Policy

Fees. The fees for each Service are disclosed at the point of enrollment on the Platform or in the applicable program description. All fees are stated in U.S. dollars unless otherwise specified. The Company reserves the right to adjust fees for future enrollments at any time without prior notice. Fees for already-enrolled Users will not be changed retroactively.

Payment processing. All payments for Services are processed through the Thinkific Platform's integrated payment system, which is powered by Stripe. By submitting payment through the Platform, you also agree to Stripe's terms of service. The Company does not store your full payment card details — these are handled securely by Stripe on behalf of Thinkific. The Company accepts credit cards and any other payment methods made available through the Thinkific checkout at the time of purchase. Payment plans, where offered, are configured through the Platform and charged automatically on the schedule disclosed at checkout.

Taxes. You are responsible for all applicable taxes, duties, or levies imposed by any governmental authority in connection with your purchase of Services, except for taxes on the Company's net income. Thinkific Commerce may calculate and collect applicable sales tax where required by law.

Coupons and promotions. The Company may offer discount codes or promotional pricing through the Platform from time to time. Promotional offers are subject to their stated terms and expiration dates, are non-transferable, and may not be combined with other offers unless stated. The Company reserves the right to discontinue or modify promotional pricing at any time.

Refund Policy. Because the Company owns the student relationship on the Thinkific Platform — unlike marketplace platforms — all refund requests are handled directly by the Company as follows:

Online self-paced courses: Refund requests made within 7 calendar days of enrollment and before more than 20% of course content has been accessed (as tracked by the Platform) will be honored in full. After this window, no refunds will be issued for self-paced online courses. Course progress data visible in your Thinkific student dashboard is the official record of content accessed.

Bundles and course packages: Refunds for course bundles are available within 7 days of purchase if fewer than 20% of total bundle content has been accessed across all included courses. Partial refunds for individual courses within a bundle are not available.

Live workshops and webinars: Cancellations made more than 72 hours before the scheduled start time will receive a full refund or, at the User's election, a credit applicable toward a future session. Cancellations within 72 hours of the session are not eligible for a refund but may be eligible for a one-time transfer to a future session of the same program, subject to availability.

Coaching and consulting sessions: Sessions cancelled more than 48 hours in advance may be rescheduled at no charge once. Cancellations within 48 hours will forfeit the session fee.

Payment plans: If you enrolled under a payment plan and wish to cancel, you remain responsible for all installments already charged. Future installments will be cancelled upon written request, but no refund will be issued for prior payments.

Organizational engagements: Refund and cancellation terms for Organizational Clients are governed by the separate written agreement between the Company and the Organizational Client.

All refund requests must be submitted in writing to tracey@tmassociatesllc.com with the subject line "Refund Request — [Course Name]" and must include your full name, the email address associated with your Thinkific account, your enrollment date, and the reason for your request. The Company will review your Thinkific progress data and process eligible refunds within 10 business days of approval. Approved refunds are returned to the original payment method via Stripe.

Intellectual Property Rights

All Content, course materials, curricula, frameworks, assessments, workbooks, presentations, videos, audio recordings, graphics, logos, branding, and any other materials made available through the Services are the exclusive intellectual property of T. Michelle & Associates, LLC, or are licensed to the Company for use in the Services. All rights are reserved.

Your license. Subject to your compliance with these Terms, the Company grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and view the Content solely for your own personal, non-commercial educational purposes during the applicable access period.

What you may NOT do. Without the prior written consent of the Company, you may not:

Copy, reproduce, distribute, publish, broadcast, or publicly display any Content in any format or medium;

Record, screenshot, screen-capture, or otherwise create copies of video or audio Content;

Modify, adapt, translate, create derivative works from, or reverse-engineer any Content;

Remove, alter, or obscure any copyright, trademark, or other proprietary notices included in the Content;

Sell, rent, sublicense, transfer, or otherwise make the Content available to any third party;

Use the Content or any portion thereof to create a competing product, training, or service;

Upload, post, or share any Content on any social media platform, website, or other public forum, except where the Company expressly provides a shareable asset and authorizes such sharing; or

Use the Company's name, logo, CFEI® credential, or any associated branding in any way that implies endorsement or affiliation without prior written authorization.

Unauthorized reproduction, distribution, or commercial use of any Content is a material breach of this Agreement and may constitute copyright infringement subject to civil and criminal penalties under applicable law. The Company actively monitors for and pursues enforcement against unauthorized use of its intellectual property.

User-submitted content. If you submit feedback, testimonials, questions, or other content in connection with the Services ("User Submissions"), you grant the Company a perpetual, royalty-free, worldwide, irrevocable license to use, reproduce, display, modify, and distribute your User Submissions in connection with the promotion and operation of the Services. You represent that you own or have the right to submit all User Submissions and that they do not infringe any third-party rights.

Prohibited Conduct

In connection with your use of the Services, you agree not to engage in any of the following:

Misrepresentation: Providing false, misleading, or incomplete information during registration, enrollment, or any interaction with the Company or its representatives;

Account sharing: Sharing login credentials or access with individuals who have not enrolled or for whom no separate seat has been authorized;

Harassment: Engaging in abusive, threatening, harassing, defamatory, discriminatory, or otherwise inappropriate conduct toward Company personnel, facilitators, or other participants in any live session or community forum;

Disruption: Disrupting or interfering with live sessions, webinars, or online course environments, including spamming, excessive interruptions, or the use of recording tools without prior authorization;

Fraud: Attempting to obtain Services without proper payment, including by chargebacks not based on legitimate disputes, use of fraudulent payment instruments, or exploitation of technical errors;

Unauthorized commercial use: Using the Content or the Company's name, methodology, or materials to offer competing financial education services, coaching, or training without a separate written licensing agreement;

Reverse engineering: Attempting to extract, copy, or reproduce the Company's curriculum structure, pedagogical methodology, or assessment frameworks for commercial purposes;

Impersonation: Impersonating the Company, its personnel, or any other User in any communication or platform;

Legal violations: Using the Services for any purpose that violates applicable federal, state, or local law, regulation, or order; and

Encouraging violations: Soliciting, encouraging, or assisting any other person in engaging in any of the foregoing.

Violation of any provision of this Section is grounds for immediate termination of access to all Services without refund.


Educational Disclaimer — Not Financial, Legal, or Investment Advice

IMPORTANT: The Services provided by T. Michelle and Associates, LLC are educational in nature and are designed to improve general financial literacy and money management skills. They do not constitute and must not be relied upon as personalized financial advice, investment advice, tax advice, legal advice, accounting advice, or any other form of professional advisory service regulated under federal or state law.

Specifically:

The Company is not a registered investment adviser, broker-dealer, tax preparer, attorney, or licensed financial planner in any jurisdiction, and nothing in the Services creates a fiduciary, advisory, or client-professional relationship between you and the Company;

Any financial figures, illustrative returns, growth projections, or numerical examples used in the Content are presented for educational illustration only and do not constitute predictions, guarantees, or promises of financial outcomes;

The Content may not reflect the most current laws, regulations, tax rules, or financial products, and the Company makes no representation that it is current or applicable in your specific jurisdiction;

Past performance of any financial strategy, asset, or habit discussed in the Content does not guarantee future results; and

You should consult a licensed financial adviser, certified public accountant, attorney, or other qualified professional before making any material financial, investment, tax, or legal decision.

The Company and its instructors hold the CFEI® designation, which certifies competency in financial education delivery, and in certain contexts the Company's founder is a registered athlete agent. Neither designation creates a professional advisory relationship with course participants.


Privacy & Data Use

Your privacy is important to the Company. By using the Services, you acknowledge and consent to the collection, storage, and use of your personal information as described in this Section and as further detailed in the Company's Privacy Policy, which is incorporated herein by reference.

Information collected. The Company may collect the following categories of information in connection with your use of the Services:

Registration information (name, email address, phone number, professional title or sport, organization or school affiliation);

Payment information (processed securely through third-party payment processors; the Company does not store full payment card data);

Course progress, quiz responses, assessment results, and completion data;

Communications with the Company, including support requests and feedback; and

Technical data such as IP address, browser type, device information, and session logs collected automatically.

How information is used. The Company uses collected information to:

Provide, administer, and improve the Services;

Process payments and send enrollment confirmations and receipts;

Issue certificates of completion and track learning progress;

Communicate with you about your enrollment, course updates, and Service changes;

Send educational newsletters, program announcements, and promotional materials (with the ability to opt out at any time); and

Comply with legal obligations and enforce this Agreement.

Data sharing. The Company does not sell your personal information. The Company may share data with trusted service providers (such as platform hosts, email service providers, and payment processors) solely as necessary to deliver the Services. The Company may share aggregate, anonymized data for research, marketing, or reporting purposes. Where Services are delivered through an Organizational Client arrangement, the Company may share progress and completion data with the Organizational Client.

Thinkific as data processor. Because the Services are delivered through Thinkific, certain personal data — including your name, email address, course progress, quiz results, and payment records is stored and processed by Thinkific on the Company's behalf. Thinkific acts as a data processor under the Company's instruction. The Company retains ownership of and access to your student data on the Platform, including the ability to export your enrollment and progress records. Thinkific's Privacy Policy, available at thinkific.com/privacy, also governs how Thinkific handles your data as platform operator.

Student data you control. Unlike marketplace platforms, the Company not Thinkific owns the direct relationship with its students. This means the Company has access to your email address and course progress data and may use it as described in the "How information is used" section above. The Company will not sell, rent, or share your personal information with unaffiliated third parties for their own marketing purposes.

Community features. If the Platform includes community discussion boards, comment sections, or group features powered by Thinkific Communities, any information you post in those spaces is visible to other enrolled students and the Company. Exercise discretion regarding personal information you share in community spaces.

Retention. The Company retains personal information for as long as your Thinkific student account is active and for a reasonable period thereafter as required by law or for legitimate business purposes. To request deletion of your personal data, contact tracey@tmassociatesllc.com. Note that deletion requests may be subject to limitations under Thinkific's own data retention obligations.

Certificates of Completion & Credentials

Where a course or program offers a Certificate of Completion, such certificate will be issued automatically through the Thinkific Platform upon satisfaction of all completion requirements specified for that course, which may include, without limitation, completing all required video modules, passing assessments above a minimum score threshold, and submitting any required assignments or activities. Certificates are generated by Thinkific and are accessible and downloadable through your student dashboard at any time after course completion.

Nature of certificates: Certificates of Completion issued by T. Michelle and Associates, LLC are records of educational participation and completion. They are not academic degrees, professional licenses, or CFEI® designations, and do not confer professional certification or licensure of any kind.

No guarantee of outcomes: The issuance of a certificate does not guarantee any particular employment, financial, or professional outcome.

Revocation: The Company reserves the right to revoke or decline to issue a certificate if there is evidence of academic dishonesty, violation of these Terms, or misrepresentation in connection with course completion.

Accuracy: You are responsible for ensuring that your name and any other identifying information associated with your Account is accurate, as this information will appear on any certificate issued.

Thinkific Platform & Third-Party Services

Thinkific. The Company's primary course delivery platform is Thinkific, operated by Thinkific Labs Inc. (Canada) and Thinkific.com Inc. (United States). By creating a student account and enrolling in courses on the Company's Platform, you are also subject to Thinkific's Terms of Service (thinkific.com/terms-of-service) and Privacy Policy (thinkific.com/privacy). In the event of a conflict between this Agreement and Thinkific's Terms of Service with respect to platform-level features or policies, Thinkific's Terms of Service will govern solely with respect to Thinkific's platform operations; this Agreement governs your relationship with T. Michelle & Associates, LLC.

Payment processing. Payments on the Platform are processed by Stripe, Inc., a third-party payment processor integrated with Thinkific. By making a purchase, you authorize the Company to charge your selected payment method through Stripe. Stripe's services are governed by Stripe's terms and conditions and privacy policy. The Company is not responsible for errors, outages, or disputes arising from Stripe's payment infrastructure.

Video hosting. Course videos are hosted through Thinkific's integrated video hosting service. Video availability depends on Thinkific's hosting infrastructure. The Company will make reasonable efforts to replace or restore unavailable video content but is not liable for video unavailability caused by Thinkific's systems.

Live session tools. Live workshops and webinars may be delivered through Zoom, Google Meet, or other video conferencing tools in addition to or instead of Thinkific's built-in live session features. Your use of those tools is subject to their respective terms of service. Links to live sessions will be distributed through the Platform or by email to your enrolled account address.

External links and resources. The Services may contain links to external websites and resources, including free government financial education tools such as consumerfinance.gov, mymoney.gov, annualcreditreport.com, and investor.gov. These links are provided for informational convenience only. The Company does not endorse and is not responsible for the content, accuracy, availability, or practices of any linked third-party website. Accessing any external link is entirely at your own risk.

Integration apps. The Company may use additional third-party integrations available through Thinkific's app marketplace (such as email marketing tools or analytics platforms) to communicate with enrolled students and improve the learning experience. Such integrations are disclosed in the Company's Privacy Policy.


Disclaimer of Warranties

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 APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

Without limiting the foregoing, the Company does not warrant that:


Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL T. MICHELLE & ASSOCIATES, LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR COSTS OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES OR ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, the Company's liability in such jurisdictions is limited to the maximum extent permitted by law.

In any event, the total aggregate liability of the Company to you for any and all claims arising from or related to the Services, regardless of the form of action, shall not exceed the greater of (a) the total fees paid by you to the Company for the specific Service giving rise to the claim in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100.00).

Indemnification

You agree to indemnify, defend, and hold harmless T. Michelle and Associates, LLC and its members, officers, employees, contractors, agents, successors, and assigns (collectively, "Indemnified Parties") from and against any and all claims, demands, damages, losses, costs, liabilities, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate with the Company in asserting any available defenses.

Termination & Suspension of Access

By the Company. The Company reserves the right to suspend, restrict, or permanently terminate your access to any or all Services at any time, with or without notice, for any reason, including but not limited to: 

By you. You may cancel your Account and terminate this Agreement at any time by notifying the Company in writing at tracey@tmassociatesllc.com. Cancellation does not entitle you to a refund of fees already paid, except as provided in Section 6.

Effect of termination. Upon termination of your access for any reason: (a) your license to access the Content is immediately revoked; (b) you must cease all use of the Content and destroy any downloaded or copied materials; and (c) provisions of this Agreement that by their nature should survive termination shall survive, including Sections 7, 9, 13, 14, 15, and 18.

Modifications to Terms

The Company reserves the right to modify, update, or replace any portion of these Terms of Use at any time and at its sole discretion. When material changes are made, the Company will provide notice by one or more of the following methods:


Your continued access to or use of any Service following the posting of revised Terms constitutes your acceptance of those revised Terms. If you do not agree to the revised Terms, you must cease using the Services immediately and notify the Company in writing.

The Company encourages you to review these Terms periodically. The "Effective Date" at the top of this document reflects when the current version took effect.


Governing Law & Dispute Resolution

Governing law. This Agreement and any dispute arising out of or relating to this Agreement or the Services shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of laws principles.

Informal resolution. Before initiating any formal legal proceeding, you agree to contact the Company in writing at tracey@tmassociatesllc.com to describe the nature of the dispute and the relief sought. The parties agree to make a good-faith effort to resolve the dispute informally within thirty (30) days of the Company's receipt of such notice.

Binding arbitration. If a dispute cannot be resolved informally, it shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, except as provided below. The arbitration shall be conducted in English, and the seat of arbitration shall be in the State of North Carolina. The arbitrator's decision shall be final and binding on both parties, and judgment may be entered upon the award in any court of competent jurisdiction.

Exceptions to arbitration. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent or stop infringement of intellectual property rights or other irreparable harm without first engaging in arbitration or the informal dispute resolution process described above.

Class action waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AGREE TO BRING CLAIMS AGAINST THE COMPANY ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.

Venue (non-arbitration matters). For any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in North Carolina.

Miscellaneous Provisions

Entire Agreement: This Agreement, together with any course-specific terms, the Company's Privacy Policy, and any separate written agreements executed by the parties, constitutes the entire agreement between you and the Company with respect to the Services and supersedes all prior agreements, representations, or understandings.

Severability: If any provision of this Agreement is found by a court of competent jurisdiction or an arbitrator to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions shall continue in full force and effect.

No waiver: The Company's failure to enforce any right or provision of this Agreement on any occasion shall not constitute a waiver of the Company's right to enforce that or any other provision in the future.

Assignment: You may not assign or transfer your rights or obligations under this Agreement without the Company's prior written consent. The Company may assign this Agreement freely, including in connection with a merger, acquisition, or sale of assets.

Force majeure: The Company shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control, including without limitation acts of God, natural disasters, pandemic, government orders, internet outages, third-party platform failures, or labor disputes.

Notices: Notices from the Company to you may be sent to the email address on file with your Account. Notices from you to the Company must be sent in writing to tracey@tmassociatesllc.com and are effective upon the Company's confirmation of receipt.

Relationship of the parties: Nothing in this Agreement creates a partnership, joint venture, employment, franchise, or agency relationship between you and the Company. You are an independent user of the Services.

Headings: Section headings are for reference only and shall not affect the interpretation of this Agreement.

Language: This Agreement is written and shall be interpreted in the English language. Any translation is provided for convenience only and shall not be binding.

Contact Information: Questions, concerns, or notices regarding these Terms of Use, your Account, enrollment, refunds, or the Services should be directed to the Company at the contact information below. The Company will make reasonable efforts to respond to inquiries within 3–5 business days.

T. Michelle and Associates, LLC

CFEI®-Certified Financial Education

State of North Carolina, United States

Email tracey@tmassociatesllc.com

Subject Terms of Use - Financial Literacy Courses

Website tmassociatesllc.com

Hours Mon – Fri, 9 AM – 5 PM EST


T. Michelle and Associates, LLC

Dr. Tracey Neal, CFEI® · CEO and Owner

Effective Date: September 25, 2026

Jurisdiction: State of North Carolina, United States of America

These Terms supersede all prior versions of the Terms of Use for T. Michelle and Associates, LLC.