Terms & Conditions
MICHELE LEE ELLIS CONSULTING, LLC
TERMS AND CONDITIONS
Last Updated: August 24, 2026
These Terms and Conditions ("Terms") govern your access to and use of the websites, programs, products, services, digital platforms, online communities, events, trainings, materials, and other offerings provided by Michele Lee Ellis Consulting, LLC, a Georgia limited liability company ("MLEC," "Company," "Firm," "we," "us," or "our").
By visiting our website, purchasing a product or service, enrolling in a program, checking an agreement box, submitting payment, entering into an applicable financing arrangement, signing electronically, accessing a portal, attending a session, or using our materials, you acknowledge and agree to be bound by these Terms and any other applicable written agreement or policy.
1. Agreement Precedence
These Terms apply to public website use and general purchases unless a separate written or electronically accepted agreement applies.
If you have signed, electronically accepted, or otherwise agreed to a Service Agreement, Consulting Agreement, Master Services Agreement, Coaching Agreement, Client Services Agreement, order form, invoice, payment authorization, or other written agreement with MLEC, that agreement controls if there is any conflict between that agreement and these Terms.
The applicable checkout page, sales page, invoice, order form, payment authorization, written program description, order confirmation, Refund Policy, Privacy Policy, and other written terms provided in connection with a purchase or enrollment may also apply.
If you separately enter into a financing agreement with a third-party lender, financing provider, or financing platform, that financing agreement governs the relationship between you and the applicable lender or financing provider with respect to financing-specific matters such as credit approval, financing terms, repayment obligations, payment schedules, interest, lender fees, servicing, collections, lender disclosures, and lender remedies.
MLEC's applicable agreements and policies continue to govern your relationship with MLEC and the products and Services purchased from MLEC.
Nothing in a third-party financing agreement modifies MLEC's program terms, Services, Refund Policy, access terms, intellectual property rights, or other obligations unless MLEC expressly agrees otherwise in writing or applicable law requires a different result.
2. Services and Educational Purpose
MLEC provides consulting, coaching, business education, licensing guidance, operational support, leadership development, digital education, live events, workshops, assessments, templates, policies and procedures, resources, proprietary frameworks, artificial intelligence-assisted deliverables, and related professional Services designed to help entrepreneurs and healthcare organizations build, operate, grow, and improve their businesses.
Services may be delivered through websites, sales pages, checkout pages, invoices, online portals, third-party platforms, virtual sessions, in-person sessions, group coaching, one-on-one consulting, memberships, masterminds, events, courses, workshops, email, SMS, video, downloads, or other delivery methods.
We reserve the right to improve, modify, enhance, replace, update, suspend, or discontinue components of our programs, Services, platforms, materials, sessions, support methods, or delivery methods when we determine that doing so improves the client experience, reflects industry updates, supports operational needs, or maintains the overall value of the Services purchased.
3. No Guarantees and Success Disclaimer
MLEC does not guarantee any specific result or outcome.
We do not guarantee that you will:
Obtain a license;
Receive regulatory approval;
Pass an inspection;
Obtain a certification;
Gain clients;
Increase revenue;
Become profitable;
Secure contracts;
Obtain financing or funding;
Receive approval from a lender;
Qualify for any particular financing terms;
Hire employees; or
Achieve any specific business, financial, legal, operational, licensing, survey, or personal result.
Results depend on many factors outside MLEC's control, including your effort, timing, implementation, leadership, state requirements, local requirements, market conditions, financial resources, compliance, staffing, business decisions, lender requirements, and professional advice received from licensed providers.
The information, materials, resources, coaching, consulting, and education provided by MLEC are for educational and general business guidance purposes only.
They are not legal, tax, accounting, financial, lending, credit, investment, clinical, medical, human resources, insurance, or professional licensing advice.
You should consult qualified professionals when appropriate.
MLEC is not a lender, broker, financial advisor, credit counselor, or financial institution.
4. Client and User Responsibilities
You are responsible for your own decisions, actions, business operations, legal compliance, licensing submissions, financial decisions, financing decisions, hiring decisions, client relationships, caregiver relationships, vendor relationships, and implementation of information or materials provided by MLEC.
You agree to provide accurate, current, complete, and timely information when requested.
MLEC may rely on the information you provide.
You are responsible for any delay, error, omission, deficiency, rejection, revision, additional work, missed deadline, financing issue, or other problem caused by inaccurate, incomplete, outdated, misleading, or untimely information provided by you.
If you apply for or use third-party financing, you are responsible for providing accurate and complete information to the applicable lender or financing provider and complying with your obligations under the applicable financing agreement.
You agree to participate professionally and respectfully, protect login credentials, comply with community standards, attend scheduled sessions when applicable, complete assigned activities when applicable, and use MLEC materials only for authorized purposes.
5. Payments, Automatic Payments, Payment Plans, and Third-Party Financing
You agree to satisfy all payment obligations associated with the program, package, course, membership, consulting service, licensing support, digital product, event, or other product or service selected at checkout, through an invoice, order form, sales page, payment authorization, financing arrangement, or other enrollment method.
Depending on the transaction, amounts may be payable directly to MLEC or through a third-party financing arrangement.
Direct Payments to MLEC
For amounts payable directly to MLEC, you authorize MLEC and its authorized third-party payment processors to charge the payment method provided or authorized by you for amounts properly due, including:
Initial payments;
Deposits;
Installment payments;
Recurring payments;
Payment plan obligations;
Failed payment retries;
Past-due payments;
Unpaid balances; and
Other charges disclosed at the time of purchase or authorized under an applicable agreement.
You agree to maintain a valid payment method for amounts you are obligated to pay directly to MLEC until such amounts are paid in full.
Failure to update expired, declined, invalid, or unauthorized payment information does not relieve you of amounts properly owed to MLEC.
MLEC is not responsible if your financial institution blocks, suspends, declines, freezes, or restricts your account or payment method.
MLEC Payment Plans
Unless a product or service is expressly identified in writing as a month-to-month subscription, an installment plan, scheduled payment arrangement, or payment plan provided directly by MLEC is a method of paying the total purchase price.
It is not a month-to-month membership, subscription, or pay-as-you-go arrangement.
You are purchasing the full program, product, package, service, or engagement and remain responsible for all amounts properly owed directly to MLEC under the applicable payment arrangement.
Failure to use, access, attend, complete, or participate in the Services does not cancel your direct payment obligations to MLEC.
Third-Party Financing
MLEC may make available the option to finance all or a portion of a purchase through a third-party lender, financing provider, financing platform, or other financing arrangement accepted by MLEC.
Third-party financing is a method of paying for the underlying product or Service and does not convert the purchase into a month-to-month subscription or create a separate right to cancel the underlying purchase.
If you enter into a separate financing agreement, that agreement may include its own:
Credit requirements;
Repayment terms;
Payment schedule;
Interest;
Fees;
Disclosures;
Servicing terms;
Collection procedures; and
Default remedies.
Depending on the financing arrangement:
A lender or financing provider may pay MLEC for all or a portion of your purchase and require you to make repayment directly to the lender or financing provider; or
MLEC or its authorized payment processor may be permitted or authorized to collect scheduled payments from you under the applicable financing arrangement.
Payments Made Directly to a Lender
If repayment is payable directly to a third-party lender or financing provider, your repayment obligations are governed by your separate agreement with that lender or financing provider.
MLEC does not independently collect amounts payable exclusively to the lender unless MLEC has a separate contractual right or authorization to collect such amounts.
Payments MLEC Is Authorized to Collect
If the applicable financing arrangement requires, permits, or authorizes MLEC to collect payments from you, you expressly authorize MLEC and its authorized payment processor to electronically debit, ACH draft, charge, or otherwise process the bank account, debit card, credit card, or other payment method identified or authorized by you in the applicable Service Agreement, financing documentation, lender documentation, payment authorization, order form, checkout page, or other applicable enrollment documentation.
Such payments may be automatically processed in the amounts and on the dates established by the applicable payment schedule, financing documentation, payment authorization, or other written arrangement.
You agree to provide accurate and valid payment information and promptly update authorized payment information when necessary.
No Duplicate Payments
You will not be required to make duplicate payment to both MLEC and a third-party lender or financing provider for the same financed amount.
Amounts validly paid to and retained by MLEC on your behalf shall be credited toward the corresponding amount owed to MLEC.
Financing Approval and Funding
Financing approval is determined by the applicable third-party financing provider.
MLEC does not guarantee approval, funding, interest rates, credit limits, repayment terms, fees, or any other financing term.
Approval for financing, receipt of financing proceeds, or use of a third-party lender does not cancel or modify your obligations under an applicable agreement with MLEC except where expressly stated in writing or required by applicable law.
If financing is declined, withdrawn, canceled, reversed, rescinded, unfunded, partially funded, or otherwise becomes unavailable, you remain responsible for amounts properly due to MLEC for products or Services purchased or received, subject to the applicable Service Agreement, written payment arrangement, financing agreement, and applicable law.
6. Failed Payments, Late Payments, Funding Reversals, and Chargebacks
A payment owed directly to MLEC, or a payment MLEC is authorized to collect, may be considered failed if:
A credit or debit card is declined;
An ACH or bank draft is returned;
A payment is reversed;
A financial institution rejects the transaction;
A scheduled payment is not successfully processed;
An authorized payment is stopped or blocked; or
The applicable payment otherwise fails to settle.
If a payment owed directly to MLEC fails, is declined, returned, reversed, or cannot be processed, you remain responsible for the applicable payment and outstanding balance properly owed to MLEC.
MLEC and its authorized payment processor may retry failed payments using the authorized payment method or another valid payment method you have properly provided or authorized.
If a scheduled payment owed directly to MLEC remains unpaid for more than ten (10) calendar days after its due date, MLEC may, where permitted by the applicable agreement and law:
Declare the remaining balance properly owed to MLEC immediately due and payable;
Suspend access to Services;
Terminate access where permitted; and
Pursue lawful collection remedies.
Financing Payments Collected by MLEC
If MLEC is authorized to collect payments under a financing arrangement, failed or late payments may be handled in accordance with the applicable financing documentation, payment authorization, Service Agreement, and applicable law.
MLEC may suspend Services while an authorized payment remains unresolved or unpaid where permitted under the applicable agreement.
Payments Owed Directly to a Lender
If your financing agreement requires payment directly to a third-party lender or financing provider, lender payment failures, late fees, default provisions, repayment obligations, servicing, and collection remedies are governed by your agreement with that lender.
MLEC does not administer lender-controlled repayment obligations.
Funding Reversals and Clawbacks
If financing proceeds paid or expected to be paid to MLEC are withheld, reversed, charged back, clawed back, canceled, disputed, unfunded, or otherwise not received or retained by MLEC due to your default, misrepresentation, breach of the financing agreement, unauthorized payment reversal, failure to satisfy lender requirements, or other action attributable to you, you remain responsible for amounts properly owed to MLEC for products or Services purchased or received, to the extent permitted by the applicable financing agreement and applicable law.
Chargebacks and Payment Disputes
You agree not to initiate an improper or unauthorized chargeback, ACH reversal, payment reversal, stop-payment request, payment dispute, or similar action regarding a payment properly authorized and owed to MLEC.
For payment concerns involving MLEC, you agree to contact MLEC in writing and provide a reasonable opportunity for review and response before initiating a formal payment dispute, except where applicable law provides otherwise.
If you initiate an improper or unauthorized chargeback or payment reversal involving MLEC, MLEC may, to the extent permitted by law and applicable agreement:
Suspend or terminate Services;
Revoke portal or program access;
Remove you from communities or programs;
Accelerate amounts properly owed directly to MLEC where permitted;
Dispute the chargeback or payment reversal;
Refer amounts properly owed to MLEC to collections or legal counsel; and
Pursue other lawful remedies.
Nothing in these Terms prevents you from reporting actual unauthorized fraud or exercising rights that cannot lawfully be waived.
Dissatisfaction, non-use, failure to participate, change of mind, financial hardship, or failure to achieve a desired result does not by itself make an otherwise authorized charge unauthorized.
You are responsible for reasonable and lawful costs, fees, expenses, collection costs, attorney fees, court costs, processing fees, chargeback fees, returned payment fees, and other amounts incurred by MLEC in connection with improper chargebacks, failed payments, returned payments, unauthorized reversals, collection of amounts properly owed to MLEC, or enforcement of these Terms, to the extent permitted by law or agreement.
7. No Refund Policy
All purchases are final.
Due to the nature of MLEC Services, including immediate access to proprietary intellectual property, consulting time, educational content, scheduling commitments, program capacity, digital resources, templates, policies and procedures, strategic guidance, licensing guidance, and other service-based deliverables, MLEC does not offer refunds, partial refunds, prorated refunds, credits, exchanges, or cancellations after purchase except:
Where otherwise required by applicable law; or
Where MLEC expressly agrees otherwise in writing.
This policy applies regardless of whether you:
Attend sessions;
Participate in meetings;
Access an online portal;
Download materials;
Complete assignments;
Implement recommendations;
Achieve desired results;
Change business direction;
Experience financial hardship;
Sell, close, pause, or restructure a business;
Become unable or unwilling to participate;
Are dissatisfied after receiving access;
Decide not to continue;
Fail to obtain financing or funding; or
Are removed from a program due to non-payment, misconduct, breach, or violation of an applicable agreement or policy.
Financing Does Not Create a Refund Right
Using third-party financing does not alter MLEC's no-refund policy and does not create a right to cancel the underlying product or Service.
If a lender or financing provider pays MLEC for all or any portion of your purchase, discontinuing participation or requesting cancellation does not require MLEC to refund financing proceeds to you or cancel your separate financing agreement, except where required by applicable law, the applicable financing arrangement, or an express written agreement involving MLEC.
Written Refund or Adjustment
No refund, partial refund, prorated refund, credit, payment adjustment, cancellation, transfer, or other financial accommodation is valid unless expressly approved or confirmed by MLEC in writing.
Any such written accommodation applies only to the specific circumstances for which it is granted and does not:
Modify MLEC's general no-refund policy;
Establish a precedent or course of dealing;
Create an entitlement to similar treatment;
Waive MLEC's rights under any applicable agreement; or
Constitute an admission of fault, wrongdoing, liability, breach, or responsibility.
If MLEC expressly approves a refund, credit, or adjustment involving a financed purchase, it shall be processed in accordance with the applicable financing arrangement, lender requirements, and applicable law.
Where required, MLEC may remit an approved refund or adjustment directly to the lender or financing provider rather than directly to you.
A separate Refund Policy may provide additional terms and is incorporated by reference where applicable.
If there is a conflict between these Terms and a signed or electronically accepted agreement with MLEC, the applicable agreement controls.
8. Program Access, Portals, and Third-Party Platforms
Access to portals, courses, communities, resources, downloads, recordings, and other digital materials may be provided through third-party platforms, including hosting, payment, financing, automation, communication, email, artificial intelligence, scheduling, or e-learning providers.
MLEC cannot guarantee that any third-party platform will operate continuously, without interruption, without error, or free from service issues.
MLEC may suspend or terminate access to websites, Services, sessions, training portals, communities, templates, resources, program materials, and other benefits for reasons including:
Non-payment of amounts properly owed to MLEC;
Failure to make a payment MLEC is authorized to collect;
Improper chargebacks;
Unauthorized payment reversals;
Policy violations;
Abusive or inappropriate conduct;
Confidentiality concerns;
Intellectual property concerns;
Termination of an applicable agreement; or
Unauthorized, unlawful, unethical, or competitive use.
You are responsible for protecting your login credentials.
You may not share, sell, transfer, sublicense, publish, or provide your login credentials, portal access, community access, session access, materials, or benefits to another person or entity without written authorization from MLEC.
9. Intellectual Property
All materials, content, resources, templates, forms, worksheets, policies, procedures, standard operating procedures, videos, trainings, lessons, recordings, course materials, frameworks, processes, systems, presentations, documents, downloads, scripts, checklists, workbooks, guides, strategies, methods, examples, coaching guidance, consulting guidance, licensing guidance, AI-assisted deliverables, prompt libraries, AI prompts, AI tool configurations, digital workflows, automation workflows, naming conventions, brand assets, logos, trademarks, copyrights, trade secrets, derivative improvements, updates, revisions, future works, and other materials provided, created, developed, used, licensed, or made available by MLEC are the intellectual property of MLEC or its owners, employees, contractors, instructors, consultants, representatives, or team members.
MLEC retains all ownership rights in and to its intellectual property.
No ownership rights are transferred by purchase, enrollment, financing, payment, participation, download, customization, access, use of Services or materials, or receipt of any deliverable.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use MLEC materials solely for your individual learning, internal business preparation, licensing preparation, agency setup, compliance preparation, internal staff training, and authorized use within your own business, as applicable to the Service purchased.
You may not copy, reproduce, share, sell, resell, license, sublicense, distribute, publish, upload, display, teach from, train from, adapt, rebrand, recreate, reverse engineer, create derivative works from, use for artificial intelligence training, scrape, data mine, or otherwise exploit MLEC intellectual property for an unauthorized purpose.
You may not use MLEC materials, policies, procedures, templates, resources, systems, guidance, or methods to coach, mentor, consult, train, teach, advise, support, or provide services to a third party, including your own clients, students, members, mentees, consulting clients, coaching clients, or customers.
Changing MLEC branding, removing MLEC's name, adding your logo, editing wording, changing formatting, paraphrasing content, or combining MLEC materials with other materials does not make the materials your property and does not grant the right to use, sell, teach, distribute, or provide those materials to others.
10. Artificial Intelligence
MLEC may use artificial intelligence tools to assist with research, drafting, analysis, workflow automation, meeting summaries, educational content, templates, internal operations, and service delivery.
AI tools may support our work, but they do not replace professional judgment, client responsibility, or licensed professional advice.
AI-assisted output may be reviewed, edited, and used by MLEC as part of its Services and business operations.
MLEC does not represent that AI-assisted output is error-free, complete, current, or suitable for every use.
You are responsible for reviewing all materials and seeking legal, tax, accounting, financial, lending, clinical, licensing, insurance, or other professional advice when appropriate.
MLEC's AI prompts, prompt libraries, AI tool configurations, automation workflows, proprietary methods, and AI-assisted deliverables are protected intellectual property and may not be copied, shared, sold, taught, rebranded, reverse engineered, or used to create a competing or similar service.
11. Confidentiality
You may receive or have access to confidential, private, proprietary, or sensitive information belonging to MLEC, MLEC's owners, employees, contractors, team members, clients, students, members, participants, programs, business operations, methods, systems, pricing, curriculum, templates, resources, strategies, processes, communications, and intellectual property.
You agree to keep such confidential information strictly confidential and not disclose, share, publish, copy, distribute, teach, sell, use, or make available confidential information to a third party without MLEC's prior written consent.
You also agree not to disclose, share, record, publish, distribute, or discuss private information shared by other clients, students, members, or participants in coaching calls, group sessions, live trainings, communities, events, portals, private groups, or other private program spaces.
If you voluntarily share information, ask a question, submit a scenario, participate in discussion, or request guidance in a group setting, you understand that such information may be heard, viewed, discussed, or responded to by MLEC and other participants in that setting.
MLEC may use general, non-identifying information, lessons learned, examples, trends, scenarios, or teaching points for educational, training, marketing, or business purposes, provided that MLEC does not disclose clearly identifying information except as permitted by an applicable agreement or law.
MLEC agrees to use reasonable care in handling confidential business information you provide in connection with Services.
Confidentiality obligations survive expiration, cancellation, suspension, or termination of Services or any applicable agreement.
12. Recording Consent
Meetings, webinars, coaching sessions, consulting sessions, trainings, workshops, live events, group calls, and other program activities may be recorded, transcribed, summarized, or captured for educational, training, quality assurance, internal, documentation, replay, or program delivery purposes.
Where required by applicable law, appropriate notice or consent will be obtained.
You may choose not to participate by audio or video where that option is available and participation is not required for the applicable Service.
You may not record, screenshot, livestream, download, publish, distribute, or share MLEC sessions, events, trainings, communities, recordings, or private program spaces without MLEC's prior written consent.
13. Testimonials, Reviews, and Media
Any testimonial, review, comment, message, social media post, email, survey response, interview statement, video statement, audio statement, image, or other feedback you provide to MLEC must be truthful, accurate, and based on your honest experience.
Subject to applicable law and any applicable agreement, MLEC may use testimonials, reviews, feedback, comments, images, videos, audio recordings, screenshots, or statements voluntarily provided by you for marketing, advertising, educational, promotional, training, sales, website, social media, email, presentation, and business purposes.
MLEC may edit testimonials for grammar, spelling, length, formatting, clarity, or presentation, provided that edits do not materially change the meaning of the statement.
MLEC does not guarantee that any client's results are typical and may include appropriate disclaimers when sharing testimonials, reviews, case studies, or results.
14. Non-Disparagement and Professional Conduct
You agree not to make, publish, post, share, distribute, or communicate false, misleading, defamatory, malicious, harassing, threatening, or knowingly inaccurate statements about MLEC, its owners, employees, contractors, team members, representatives, Services, programs, products, clients, students, members, events, or business operations.
Nothing in these Terms prohibits you from sharing an honest review, opinion, or experience, provided that it is truthful, made in good faith, and does not disclose confidential information, violate intellectual property rights, or include false, misleading, defamatory, threatening, or unlawful statements.
Nothing in these Terms prohibits participation in a legal, administrative, regulatory, governmental, or court process or making a statement required by law.
15. Non-Solicitation and Protection of Relationships
During your participation in an MLEC Service and for twenty-four (24) months after your last access, participation, purchase, cancellation, termination, or expiration, you agree not to directly or indirectly solicit, recruit, hire, contract with, market to, interfere with, divert, or attempt to divert MLEC's employees, contractors, consultants, instructors, coaches, virtual assistants, vendors, referral sources, partners, clients, students, members, participants, graduates, or business relationships for a competing, similar, or related business purpose without MLEC's prior written consent, to the extent permitted by applicable law.
You may not use MLEC communities, private groups, live sessions, events, trainings, portals, contact lists, comment sections, social media platforms, member directories, group chats, direct messages, email communications, introductions, or other access provided through MLEC to solicit business, offer services, promote products, recruit clients, recruit team members, build a competing audience, or establish competing business relationships using MLEC's relationships.
16. Acceptable Website and Platform Use
You agree not to use our websites, portals, platforms, communities, or materials for an unlawful, unauthorized, harmful, abusive, fraudulent, competitive, or disruptive purpose.
Prohibited conduct includes, but is not limited to:
Scraping;
Data mining;
Reverse engineering;
Unauthorized copying;
Unauthorized resale;
Sharing login credentials;
Unauthorized downloading;
Unauthorized recording;
Introducing malware;
Bypassing security controls;
Interfering with site operations;
Attempting unauthorized access;
Using automated tools without permission;
Using MLEC content to train artificial intelligence models; or
Using MLEC content to create a competing or similar product, service, course, coaching program, consulting program, template library, resource library, policy and procedure service, or licensing support service.
17. Third-Party Referrals, Links, Platforms, Financing Providers, and No Guarantee
MLEC may provide access to or information concerning third-party businesses, vendors, platforms, software providers, advisors, payment processors, lenders, financing providers, financing platforms, or other service providers.
The nature of MLEC's relationship with a third party may vary.
Unless expressly disclosed or agreed otherwise in writing, providing access to, information about, or a link to a third party does not mean that MLEC guarantees that third party's products, Services, performance, availability, approval decisions, or results.
Third parties operate independently and may maintain their own:
Agreements;
Privacy policies;
Terms and conditions;
Pricing;
Fees;
Eligibility standards;
Financing terms;
Security practices;
Data practices;
Service standards; and
Legal obligations.
You are responsible for reviewing applicable third-party terms and performing appropriate due diligence before entering into a relationship with a third party.
Third-Party Financing Providers
Where financing is offered in connection with an MLEC purchase, MLEC does not control an independent lender's or financing provider's:
Credit approval decisions;
Underwriting;
Credit inquiries;
Financing eligibility;
Interest rates;
Fees;
Repayment terms;
Account servicing;
Collection practices;
Credit reporting;
Privacy practices; or
Other lender-controlled activities.
MLEC is not responsible for the independent acts, omissions, decisions, products, Services, policies, fees, representations, data practices, or results of a third-party lender or financing provider except to the extent responsibility cannot lawfully be excluded.
18. Electronic Communications and Acceptance
MLEC may communicate electronically with you regarding your account, purchases, Services, transactions, and other matters.
Electronic communications may include:
Emails;
SMS messages;
Portal messages;
Invoices;
Receipts;
Payment notices;
Financing-related notices;
Service updates;
Administrative notices;
Security communications;
Legal notices;
Policy updates; and
Other transactional communications.
Marketing communications will be sent subject to applicable law and applicable consent or opt-out requirements.
You may opt out of marketing emails using the unsubscribe method provided in the communication.
Where applicable, you may opt out of SMS marketing by following the instructions provided, such as replying STOP.
Opting out of marketing communications does not necessarily prevent MLEC from sending transactional, service-related, billing, payment, financing-related, security, legal, or administrative communications where permitted by law.
Communications sent independently by a lender or financing provider are governed by that provider's own agreements, consent requirements, and applicable law.
Electronic signatures, checkout acknowledgements, portal acknowledgements, online acceptances, click-to-accept actions, payment submissions, and other electronic records may constitute legally binding acceptance to the fullest extent permitted by applicable law.
19. Limitation of Liability
To the fullest extent permitted by law, MLEC, its owners, employees, contractors, instructors, consultants, representatives, affiliates, successors, and assigns shall not be liable for indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or related to the use of MLEC Services, websites, platforms, materials, or third-party resources.
Such damages may include, without limitation:
Lost profits;
Lost revenue;
Lost business opportunities;
Business interruption;
Loss of goodwill;
Loss of data;
Licensing delays;
Regulatory penalties;
Denial of approval;
Survey outcomes;
Staffing issues;
Operational issues;
Financing denials;
Lender decisions;
Changes to lender terms;
Third-party payment or financing issues; or
Third-party disputes.
MLEC is not responsible for an independent lender's or financing provider's underwriting, credit decisions, interest rates, fees, servicing, collections, credit reporting, security practices, or other lender-controlled activities.
To the fullest extent permitted by law, MLEC's total liability for any claim arising out of or related to the Services, website, products, programs, or these Terms shall not exceed the amount actually paid to and retained by MLEC for the specific product or Service giving rise to the claim during the three (3) months before the claim arose, unless a different limitation is provided in a signed or electronically accepted agreement or applicable law requires otherwise.
20. Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless MLEC, its owners, employees, contractors, instructors, consultants, representatives, affiliates, successors, and assigns from claims, demands, actions, liabilities, damages, losses, judgments, settlements, investigations, costs, expenses, attorney fees, and other amounts arising out of or related to:
Your breach of these Terms;
Your failure to make payments properly owed to MLEC;
Your failure to satisfy payments MLEC is expressly authorized to collect;
Misuse of MLEC intellectual property;
Violation of applicable law or third-party rights;
Your business decisions;
Your licensing submissions;
Your operations;
Your financial or financing decisions;
Your Services to your own clients;
Your representations or conduct;
False, inaccurate, incomplete, misleading, or fraudulent information you provide in connection with a payment or financing transaction;
An improper or unauthorized chargeback, ACH reversal, payment reversal, or stop-payment action attributable to you;
Your failure to comply with requirements imposed upon you under a financing arrangement where that failure causes MLEC to incur a loss, reversal, fee, claim, or liability; or
Financing proceeds being withheld, reversed, reclaimed, canceled, or charged back because of your breach, misrepresentation, unauthorized action, or failure to satisfy obligations under an applicable financing arrangement.
Nothing in this Section requires you to indemnify MLEC for losses caused solely by MLEC's unlawful conduct or solely by the independent unlawful acts or omissions of a third-party lender or financing provider, except to the extent otherwise permitted by applicable law.
21. Governing Law, Venue, and Attorney Fees
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles.
Unless otherwise required by applicable law or a signed or electronically accepted agreement, any dispute, claim, or legal action arising out of or related to these Terms, MLEC Services, your purchase, payment obligations involving MLEC, MLEC intellectual property, or participation in an MLEC program shall be brought exclusively in the state or federal courts located in Fulton County, Georgia.
You consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum, lack of personal jurisdiction, or improper venue to the fullest extent permitted by law.
A dispute arising solely between you and an independent third-party lender or financing provider may be subject to separate governing law, venue, arbitration, or dispute-resolution requirements established by the applicable financing agreement.
MLEC may seek attorney fees, costs, collection costs, injunctive relief, damages, and other remedies available under law or agreement.
22. Changes to These Terms
MLEC reserves the right to update, revise, or modify these Terms from time to time.
Updates may be posted on our website or otherwise provided through reasonable notice.
For a specific purchase or enrollment, the Terms in effect at the time of purchase generally apply unless:
A separate signed or electronically accepted agreement provides otherwise;
Continued access to or use of an ongoing Service is expressly subject to updated terms; or
Applicable law permits or requires the updated terms to apply.
Changes will not retroactively eliminate rights that cannot lawfully be modified without additional notice, agreement, or consent.
Updates to these Terms do not modify a separate financing agreement between you and an independent third-party lender or financing provider.
23. Contact Information
Questions regarding these Terms and Conditions may be submitted in writing to: