Terms of Service

Terms of Service

Last updated: [current date]

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Calendar to Cash (the "Company," "we," "us," or "our") governing your access to and use of the https://www.calendar2cash.com website (the "Site") and all related services, coaching programs, courses, digital products, memberships, and other offerings (collectively, the "Services"). By accessing the Site, creating an account, purchasing any product or service, or otherwise using any part of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site and Services.

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Services after any modification constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Eligibility

You must be at least 18 years of age and possess the legal capacity to enter into a binding contract in your jurisdiction to use our Services. By using the Site or Services, you represent and warrant that you meet these eligibility requirements. If you are accessing the Services on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms. We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion, including if we believe you do not meet these eligibility requirements.

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13 in compliance with the Children's Online Privacy Protection Act (COPPA). If we learn that we have collected information from a child under 13, we will delete that information promptly.

3. Description of Services and Products

Calendar to Cash provides coaching, consulting, and educational services designed to help individuals and businesses improve their sales processes, customer acquisition, and revenue generation. Our offerings include, but are not limited to:

• One-on-one coaching and consulting sessions
• Group coaching programs and mastermind communities
• Online courses and training programs delivered through digital platforms
• Digital products, including templates, guides, workbooks, and other downloadable resources
• Membership programs with ongoing access to content, community, and support
• Live workshops, webinars, and virtual events
• Email and SMS-based educational content and marketing communications

The specific features, duration, deliverables, and access terms for each offering are described in the applicable product or service description at the time of purchase. We reserve the right to modify, suspend, or discontinue any Service or product at any time, with or without notice, though we will make reasonable efforts to provide advance notice of material changes to ongoing programs or memberships.

All coaching and consulting services are provided for educational and informational purposes. Results vary based on individual effort, circumstances, and factors beyond our control. We make no guarantee of specific outcomes, income, or business results.

4. Accounts and Registration

Certain Services require you to create an account by providing accurate, current, and complete information, including your name, email address, phone number, and payment information. You agree to maintain and promptly update your account information to keep it accurate and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you.

You agree to notify us immediately at brad@bcdatainsights.com of any unauthorized access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials or from unauthorized account access that occurs before you notify us.

You may not transfer, sell, or otherwise share your account with any other person or entity. Each account is for individual use only unless explicitly designated as a team or multi-user license. We reserve the right to suspend or terminate accounts that violate this provision or any other term of this agreement.

5. Purchases, Pricing, and Payment

All prices for products and Services are stated in U.S. dollars and are subject to change at any time, though price changes will not affect orders already confirmed. When you purchase a product or Service, you agree to pay all applicable fees and charges, including any applicable taxes. Payment is due at the time of purchase unless otherwise specified in the product description.

We use third-party payment processors to handle all payment transactions. By providing payment information, you authorize us and our payment processors to charge the payment method you designate for all fees and charges incurred. You represent and warrant that you have the legal right to use any payment method you provide. We do not store complete credit card information on our servers; payment security is managed by our payment processor in compliance with applicable payment card industry standards.

For subscription-based Services or memberships with recurring billing, you authorize us to charge your payment method automatically at the beginning of each billing cycle (monthly, quarterly, or annually as specified) until you cancel. Subscriptions automatically renew unless you cancel before the renewal date. You are responsible for canceling your subscription through your account settings or by contacting us at brad@bcdatainsights.com. Cancellation must occur before the renewal date to avoid being charged for the next billing period.

We reserve the right to refuse or cancel any order for any reason, including pricing errors, product availability, suspected fraud, or violation of these Terms. If we cancel an order after charging your payment method, we will issue a refund.

You are responsible for any taxes, duties, or fees imposed by governmental authorities in connection with your purchase, except for taxes based on our net income.

6. Refund and Cancellation Policy

[Specific refund terms vary by product and service. Generally, digital products and courses are eligible for refund within a specified period from purchase date if you have not substantially accessed or used the content. Coaching and consulting services may have different refund terms based on the nature and duration of the engagement. Membership programs may be canceled at any time, with access continuing through the end of the current billing period without refund of that period's fees.]

To request a refund or cancel a Service, contact us at brad@bcdatainsights.com with your order details and reason for the request. Refund requests are evaluated on a case-by-case basis in accordance with the specific terms disclosed at the time of purchase. Refunds, when approved, are processed to the original payment method within [reasonable timeframe].

We reserve the right to deny refund requests that do not meet the stated criteria or that we determine in good faith to be abusive or fraudulent. Refund eligibility may be conditioned on deletion of downloaded materials and cessation of use of the Services.

For subscription Services, cancellation prevents future billing but does not entitle you to a refund for the current billing period unless otherwise specified in the product terms or required by applicable law.

7. Intellectual Property and License to Use

All content, materials, and intellectual property available through the Site and Services, including but not limited to text, graphics, logos, images, videos, audio, software, courses, templates, frameworks, methodologies, and other materials (collectively, "Company Content"), are owned by or licensed to Calendar to Cash and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. The Company name, logo, and all related names, marks, and slogans are trademarks of Calendar to Cash or its affiliates.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Company Content solely for your personal, non-commercial use in connection with the Services for which you have paid or registered. This license does not permit you to:

• Reproduce, distribute, publicly display, or create derivative works from Company Content except as expressly permitted for your personal use
• Sell, rent, lease, sublicense, or otherwise transfer any Company Content to third parties
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices
• Use Company Content in any manner that competes with our business or disparages our reputation
• Reverse engineer, decompile, or disassemble any software or technology underlying the Services
• Use automated systems (bots, scrapers, or similar tools) to access or collect content from the Site

This license terminates automatically upon termination of your account or your access to the applicable Service. Upon termination, you must cease all use of Company Content and delete or destroy all copies in your possession.

Nothing in these Terms transfers any ownership rights in Company Content to you. All rights not expressly granted are reserved by Calendar to Cash.

8. User Content and Acceptable Use

Certain Services may allow you to submit, post, or share content, including comments, questions, testimonials, reviews, feedback, or other materials ("User Content"). You retain ownership of any intellectual property rights in your User Content, but by submitting User Content through the Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with operating, promoting, and improving the Services.

You represent and warrant that: (a) you own or have the necessary rights to submit your User Content and grant the license above; (b) your User Content does not infringe, violate, or misappropriate any third-party intellectual property, privacy, publicity, or other rights; and (c) your User Content complies with these Terms and all applicable laws.

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party right
• Transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity
• Transmit any unsolicited advertising, promotional materials, spam, or other forms of solicitation
• Transmit any viruses, malware, or other harmful code
• Interfere with or disrupt the Services or servers or networks connected to the Services
• Collect or harvest personal information about other users without their consent
• Use the Services for any illegal or unauthorized purpose

We reserve the right, but have no obligation, to monitor, review, or remove User Content at our sole discretion, including content that violates these Terms or that we find objectionable. We are not responsible for User Content and do not endorse any opinions expressed by users.

9. Third-Party Services and Links

The Site and Services may contain links to third-party websites, services, or resources, including payment processors, email service providers, SMS platforms, course hosting platforms, and other tools. These third-party services are not under our control, and we are not responsible for their content, privacy practices, terms of service, or availability. We provide these links for your convenience only and do not endorse or make any representations about third-party services.

Your interactions with third-party services, including payment transactions, are solely between you and the third party. You should review the terms and privacy policies of any third-party service before using it. We are not liable for any loss or damage arising from your use of third-party services or your reliance on any content, products, or services provided by third parties.

If you access the Services through a third-party platform or integration, your use may also be subject to that platform's terms and policies.

10. Disclaimers

THE SERVICES AND ALL COMPANY CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content, information, or materials available through the Services. We make no guarantee regarding any results, outcomes, income, or business success that may be achieved through use of the Services. Your results depend on numerous factors including your effort, skills, experience, market conditions, and circumstances beyond our control.

The coaching, consulting, and educational content we provide represent our opinions, experiences, and methodologies. They are not guarantees of performance and should not be construed as promises or guarantees of earnings, business results, or any other outcome. Any testimonials, case studies, or examples of results achieved by others do not guarantee that you will achieve similar results.

We disclaim any liability for content, products, or services provided by third parties, including any coaches, consultants, or experts who may be featured in or recommended through our Services but who are not directly employed by Calendar to Cash.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CALENDAR TO CASH, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

These limitations apply regardless of the legal theory on which your claim is based, whether contract, tort (including negligence), strict liability, or otherwise, and even if a remedy fails of its essential purpose.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Calendar to Cash, Brad Coverdale, and our respective officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to: (a) your use of or inability to use the Services; (b) your violation of these Terms; (c) your violation of any rights of any third party, including intellectual property, privacy, or publicity rights; (d) your User Content; or (e) any allegation that your User Content caused damage to a third party.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. You may not settle any claim without our prior written consent. This indemnification obligation survives termination of these Terms and your use of the Services.

13. Term and Termination

These Terms commence when you first access or use the Services and continue until terminated by either party. You may terminate these Terms at any time by discontinuing use of the Services and closing your account. We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice, including if we believe you have violated these Terms or engaged in conduct that we determine to be inappropriate or harmful to us or other users.

Upon termination: (a) your right to access and use the Services immediately ceases; (b) you must cease all use of Company Content and delete any copies in your possession; (c) we may delete your account and User Content; and (d) any fees owed for Services provided before termination remain due and payable.

The following sections survive termination of these Terms: Intellectual Property and License to Use (ownership provisions), User Content (license grant), Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution and Governing Law, and any other provisions that by their nature should survive.

14. Dispute Resolution and Governing Law

These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of [governing state/jurisdiction], without regard to its conflict of law principles.

Before initiating any formal dispute resolution proceeding, you agree to first contact us at brad@bcdatainsights.com and attempt to resolve the dispute informally by providing a written description of the dispute, your contact information, the relief you seek, and any supporting documentation. We will attempt to resolve the dispute informally by contacting you via email. If we cannot resolve the dispute within sixty (60) days of receiving your notice, either party may proceed with formal dispute resolution.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator and shall take place in [location/jurisdiction]. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction. Each party shall bear its own costs and attorneys' fees, unless the arbitrator awards costs and fees to the prevailing party.

YOU AND CALENDAR TO CASH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU AND CALENDAR TO CASH EXPRESSLY WAIVE ANY RIGHT TO PURSUE CLAIMS ON A CLASS OR REPRESENTATIVE BASIS OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION. If any court or arbitrator determines that the class action waiver is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.

Notwithstanding the foregoing, either party may seek equitable relief (including injunctive relief) in any court of competent jurisdiction to protect its intellectual property rights or confidential information.

For users in the European Union or United Kingdom, nothing in these Terms affects your statutory rights under the laws of your country of residence, including your right to bring proceedings in the courts of that country. For users in California, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, the right to correct inaccurate information, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising these rights. See our Privacy Policy for details on how to exercise these rights.

15. Changes to These Terms

We reserve the right to modify these Terms at any time in our sole discretion. If we make material changes, we will provide notice by posting the updated Terms on the Site with a new "Last updated" date and, where appropriate, by sending an email to the address associated with your account or by displaying a prominent notice on the Site. Material changes take effect thirty (30) days after notice is provided, except that changes addressing new functions or made for legal reasons take effect immediately.

Your continued use of the Services after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Services. It is your responsibility to review these Terms periodically to stay informed of updates.

16. Severability and Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' intent, or if such modification is not possible, the provision shall be severed from these Terms.

These Terms, together with our Privacy Policy and any additional terms or policies referenced herein or presented to you in connection with specific Services, constitute the entire agreement between you and Calendar to Cash regarding the Services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter.

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

17. Contact Us

If you have any questions, concerns, or complaints regarding these Terms or the Services, please contact us:

Calendar to Cash Brad Coverdale Email: brad@bcdatainsights.com Phone: 3015413745 Website: https://www.calendar2cash.com

For users in the European Union or United Kingdom, you have the right to lodge a complaint with your local data protection authority if you believe we have not adequately addressed your concerns.

We will make reasonable efforts to respond to your inquiry within a reasonable timeframe. For specific requests related to your personal information or privacy rights, please refer to our Privacy Policy for the appropriate contact methods and procedures.