Terms and conditions

Contents

1. Eligibility and Acceptance of Terms
2. Description of Services
3. Account Registration and Authentication
   • 3.1 Passwordless Login
   • 3.2 Account Information
   • 3.3 Unauthorized Access
4. Subscription Plans and Billing
   • 4.1 Subscription Access
   • 4.2 Payment Processing
   • 4.3 Auto-Renewal
   • 4.4 Failed Payments
5. Refund Policy
6. One-on-One Coaching Services
7. Confidentiality
8. Intellectual Property Rights
9. Acceptable Use Policy
10. Data Practices and Privacy
11. Suspension and Termination
12. Disclaimers
13. Limitation of Liability
14. Governing Law
15. Dispute Resolution
16. Modifications to Terms
17. Customer Support
18. Entire Agreement
19. Severability
20. Waiver
21. Force Majeure
22. Third-Party Services
23. Electronic Communications and Notices
24. No Agency, Partnership, or Fiduciary Relationship
25. Professional Responsibility and Regulatory Compliance

1. Eligibility and Acceptance of Terms

You must be at least eighteen (18) years old and legally capable of entering into a binding agreement to access or use the Services. By accessing the website, creating an account, submitting payment, purchasing a subscription, enrolling in coaching services, or otherwise using the Services, you represent and warrant that you meet these eligibility requirements and have the authority to enter into these Terms.

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any applicable supplemental service agreements and the Privacy Policy incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Services.

If you are accessing or using the Services on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and references to “you” and “your” will include that entity.

2. Description of Services

ABI Methodology™ provides access to educational and business development resources designed for financial planners and related professionals. The Services may include subscription-based access to digital books, a video library, articles, guides, frameworks, methodologies, templates, tools, and other non-downloadable educational materials related to business development, marketing, client relationship management, and related professional growth strategies.

ABI Methodology™ may also provide one-on-one coaching services tailored to information provided by you, including your business objectives, current practices, challenges, and other relevant business information. Coaching services are intended to provide educational guidance, strategic insights, and recommendations to support your business development efforts.

The Services, including all content and coaching, are provided solely for informational and educational purposes. ABI Methodology™ does not provide investment, financial, legal, tax, accounting, regulatory, compliance, or other professional advice. You are solely responsible for evaluating and determining how to apply any information, strategies, recommendations, or materials provided through the Services.

ABI Methodology™ does not guarantee or warrant any specific results, outcomes, or improvements from use of the Services, including but not limited to increased revenue, client acquisition, assets under management, referrals, business growth, profitability, productivity, or professional performance. Your results may vary based on numerous factors, including your individual circumstances, implementation, market conditions, and other factors outside of ABI Methodology™’s control.

ABI Methodology™ reserves the right to modify, update, expand, limit, suspend, or discontinue any portion of the Services, content, features, or offerings at any time, subject to any applicable obligations under these Terms or applicable law.

3. Account Registration and Authentication

3.1 Passwordless Login

The website uses passwordless authentication, allowing you to log in without creating or entering a password. Instead, the website sends a secure, one-time login link to the email address you provide.

The login link confirms that you have access to the email account associated with your account. Links are time-limited, may only be used once, and expire after a limited period.

You are responsible for maintaining the security of your email account and preventing unauthorized access, as access to your email may allow others to access your account.

3.2 Account Information

To create an account, you must provide your first name, last name, and email address. You agree that all information you provide is accurate and kept up to date.

Because the Services use passwordless authentication, you must provide an email address that you own or are authorized to use and can access. You are responsible for maintaining access to and the security of your email account.

3.3 Unauthorized Access

Your account is personal to you and may not be shared, transferred, or accessed by any other person. Login links are provided solely for your individual use and must not be forwarded, shared, or provided to third parties.

You may not request, obtain, or use another user's login link, access another person's account, or attempt to circumvent any access controls or security measures. Any unauthorized access, sharing of account access, or misuse of the Services may result in immediate suspension, restriction, or termination of your account without notice.

4. Subscription Plans and Billing

4.1 Subscription Access

Your subscription grants you a limited, revocable, non-exclusive, non-transferable license to access and use the digital books, videos, and other content provided through the Services during your active subscription period. This license permits you to use the content for your own business development, marketing, and client relationship management activities.

This license provides access rights only and does not transfer any ownership interest or intellectual property rights in the content, ABI Methodology™ framework, or related materials. You may not reproduce, distribute, sublicense, resell, share, or use the content to create, market, or provide competing products, services, training programs, or educational materials without prior written permission from ABI Methodology™.

Your access is conditioned on your compliance with these Terms and payment of all applicable subscription fees. Access rights will terminate upon cancellation, expiration, suspension, or termination of your subscription or account.

4.2 Payment Processing

Payments for the Services are processed through Stripe, Inc. (“Stripe”), a third-party payment processor. By submitting payment information, you authorize Stripe to process payments, store payment information, and handle payment transactions in accordance with Stripe’s applicable terms and privacy practices.

ABI Methodology™ does not collect, store, or process your full payment card number or other sensitive payment card information. Stripe provides ABI Methodology™ with limited payment-related information, such as transaction identifiers, payment status, and subscription status, solely for purposes of managing your account, providing access to the Services, and administering your subscription.

You are responsible for providing accurate and complete billing information and for ensuring that your payment method remains valid. Any questions or concerns regarding payment processing may be directed to Stripe or ABI Methodology™, as applicable.

4.3 Auto-Renewal

Unless otherwise disclosed at checkout, subscriptions automatically renew at the end of each billing period for the applicable subscription term and fee. By purchasing a subscription, you authorize ABI Methodology™ and its payment processor, Stripe, to charge your designated payment method for recurring subscription fees until you cancel your subscription.

You may cancel your subscription at any time before the next renewal date through the account management process provided by ABI Methodology™ or as otherwise instructed. Cancellation will prevent future charges but will not entitle you to a refund for any fees already paid or provide a refund for any unused portion of your subscription period.

Renewal pricing and billing frequency will be disclosed before purchase and may be updated from time to time. If subscription pricing changes, ABI Methodology™ will provide notice of the updated pricing before the next renewal date.

4.4 Failed Payments

If a payment is declined, fails, is reversed, or is otherwise not successfully processed, ABI Methodology™ may suspend or restrict your access to the Services until payment is successfully completed. We may also update billing information, retry payment processing, or take other reasonable steps to collect amounts owed.

You remain responsible for all subscription fees and other charges incurred before suspension or termination. Access may be restored after successful payment, but ABI Methodology™ does not guarantee reinstatement and reserves the right to terminate accounts with unpaid balances.

5. Refund Policy

All purchases and subscription fees are final and non-refundable, except as required by applicable law or as otherwise determined by ABI Methodology™ in its sole discretion.

Because the Services provide immediate access to digital content, subscription materials, and other resources, fees are charged for access to the Services and are not based on whether or how much content you view or use. Canceling a subscription will prevent future renewal charges but does not entitle you to a refund or credit for any fees already paid or any unused portion of a subscription period.

If you experience an issue with the Services or believe there are exceptional circumstances that warrant consideration, you may contact customer support. ABI Methodology™ will review refund requests on a case-by-case basis, but any refund or credit provided is discretionary and does not create an obligation to provide refunds in similar circumstances.

6. One-on-One Coaching Services

Users requesting one-on-one coaching services may be required to provide additional business information, including company name, organization size, number of financial advisors, business goals, and other information relevant to the coaching engagement. You represent that any information you provide is accurate and that you have the right to provide such information.

Coaching services are provided for educational and business development purposes only and are intended to provide guidance, strategies, and recommendations based on information provided by you. ABI Methodology™ does not provide investment, legal, tax, accounting, or regulatory compliance advice.

You are solely responsible for evaluating and implementing any strategies, recommendations, or actions discussed during coaching sessions. ABI Methodology™ does not guarantee any specific results, including increased revenue, client acquisition, assets under management, referrals, business growth, or performance improvements.

Coaching availability, scheduling, cancellation, and any applicable fees or limitations may be subject to additional terms provided at the time coaching services are purchased.

Coaching sessions may be conducted through third-party video conferencing platforms. Your use of such platforms may be subject to the applicable terms, conditions, and privacy practices of those third-party providers.

7. Confidentiality

ABI Methodology™ recognizes that users may provide confidential or sensitive business information in connection with one-on-one coaching services, including information regarding business operations, growth strategies, marketing activities, personnel, and other non-public business matters (“Confidential Information”).

ABI Methodology™ will use reasonable efforts to maintain the confidentiality of Confidential Information and will use such information solely for purposes of providing coaching services, delivering the Services, and improving its offerings. ABI Methodology™ will not disclose Confidential Information to third parties except (i) with your consent, (ii) as necessary to provide the Services through authorized service providers, or (iii) as required by applicable law or legal process.

Confidential Information does not include information that ABI Methodology™ can demonstrate: (a) is publicly available through no breach of these Terms; (b) was already known to ABI Methodology™ without an obligation of confidentiality; (c) is received from a third party without a duty of confidentiality; or (d) is independently developed without use of the Confidential Information.

You should not provide ABI Methodology™ with confidential information belonging to your clients, employers, business partners, or other third parties unless you have obtained all necessary authorization to do so.

8. Intellectual Property Rights

All content and materials provided through the Services, including digital books, videos, articles, guides, graphics, trademarks, the ABI Methodology™ framework, proprietary concepts, business development strategies, processes, methodologies, workflows, training methods, know-how, and related materials (collectively, the “Content”), are owned by ABI Methodology™ or its licensors and are protected by applicable intellectual property laws.

Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Content solely for your own business development, marketing, and client relationship management activities. This license permits you to apply the concepts and strategies contained in the Content within your own business but does not transfer any ownership interest or intellectual property rights in the Content.

Unless expressly authorized in writing by ABI Methodology™, you may not:

• Copy, reproduce, distribute, publish, or publicly display the Content;
• Share, sell, sublicense, or provide access to the Content to any other person or entity, including employees, colleagues, contractors, or other members of your organization;
• Record, screen capture, scrape, download, extract, or otherwise reproduce Content from the Services;
• Use the Content to create, market, sell, or provide competing products, services, coaching programs, training materials, courses, publications, or educational resources;
• Incorporate the Content or substantially similar concepts derived from the Content into any commercial offering;
• Modify, adapt, translate, or create derivative works based on the Content; or
• Use ABI Methodology™’s trademarks, branding, framework, or proprietary materials in any manner that suggests affiliation, endorsement, partnership, or authorization.

Any rights granted under this license automatically terminate upon expiration, cancellation, suspension, or termination of your subscription or account.

Any feedback, suggestions, recommendations, or ideas you provide regarding the Services may be used by ABI Methodology™ without restriction or obligation, provided that ABI Methodology™ does not disclose your confidential business information.

Any unauthorized use of the Content may result in suspension or termination of your account and may subject you to legal liability.

9. Acceptable Use Policy

You agree to use the Services only for your personal, authorized use and in accordance with these Terms. You may not:

• Share, forward, or provide login links or account access to any other person;
• Allow employees, colleagues, advisors, clients, or other third parties to access your account or subscription;
• Purchase or use a subscription on behalf of another person or allow multiple users to access a single-user subscription;
• Attempt to access another user's account or obtain another user's login link;
• Circumvent, disable, or attempt to bypass any access controls, authentication measures, or security features;
• Use automated tools, scraping technologies, or other methods to copy, extract, download, or redistribute content;
• Copy, reproduce, distribute, publicly display, or commercially exploit any content provided through the Services without prior written permission; or
• Engage in fraudulent activity or any other misuse of the Services.

We reserve the right to monitor account activity, including access patterns, IP addresses, device information, and other technical data, to detect unauthorized access, account sharing, or misuse of the Services. We may suspend, restrict, or terminate access to the Services if we reasonably believe these Terms have been violated.

10. Data Practices and Privacy

ABI Methodology™ collects and processes personal information as necessary to provide, maintain, and administer the Services, including creating and managing accounts, authenticating users, processing subscriptions, providing customer support, protecting the Services, and enforcing these Terms.

Information collected in connection with the Services may include:

• Contact information, such as your name and email address;
• Subscription and payment-related information, including transaction identifiers, payment status, and subscription details provided through our payment processor, Stripe;
• Information submitted through assessments, forms, questionnaires, or other interactive tools provided through the Services;
• Technical information, such as IP addresses, browser type, device information, usage activity, and other information collected through cookies, analytics technologies, or similar tools; and
• Information you provide in connection with coaching services, including business information necessary to provide personalized coaching.

ABI Methodology™ uses third-party service providers, including providers that support payment processing, customer relationship management, authentication, hosting, video conferencing, analytics, marketing automation, and other business operations. These providers may process information on our behalf in connection with providing, administering, improving, and securing the Services.

Our collection, use, storage, and disclosure of personal information are described in our Privacy Policy, which is incorporated by reference into these Terms.

The Services may use cookies, analytics tools, and similar technologies to understand website usage, improve functionality, analyze performance, support marketing activities, and enhance the user experience. Additional information regarding these technologies and your choices is provided in our Privacy Policy.

11. Suspension and Termination

ABI Methodology™ may suspend, restrict, or terminate your account or access to the Services at any time if we reasonably believe that you:

• Violate these Terms or any applicable law;
• Share, redistribute, misuse, or attempt to improperly access the Services or Content;
• Share login links, allow unauthorized account access, or circumvent security or access controls;
• Provide false, inaccurate, or unauthorized account information;
• Fail to pay applicable subscription fees or other amounts owed;
• Engage in fraudulent, abusive, or harmful conduct; or
• Otherwise misuse the Services or interfere with their operation or security.

We may suspend access while investigating suspected violations or security concerns. If your account is suspended or terminated, you may lose access to the Services and any Content provided through your subscription, and any license granted under these Terms will immediately terminate.

ABI Methodology™ may also suspend, modify, or discontinue the Services, or terminate accounts, for business, operational, or technical reasons. Where reasonably practicable, ABI Methodology™ will provide advance notice of any material discontinuation or termination, subject to any applicable refund obligations.

Termination or suspension for cause does not entitle you to a refund, credit, or reimbursement of amounts previously paid. You remain responsible for any outstanding fees or obligations incurred before termination.

12. Disclaimers

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, ABI Methodology™ disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, and any warranties arising from course of dealing or usage of trade.

ABI Methodology™ does not warrant that the Services will be uninterrupted, error-free, complete, current, or suitable for your specific business needs or circumstances.

The Services, including all content and coaching, are provided for educational and informational purposes only and do not constitute financial, investment, legal, tax, accounting, regulatory, or compliance advice.

ABI Methodology™ does not guarantee any specific business results, financial outcomes, revenue increases, client acquisition, asset growth, referrals, performance improvements, or other outcomes from use of the Services. You are solely responsible for evaluating and implementing any strategies, recommendations, or information provided through the Services and for making decisions regarding your business.

13. Limitation of Liability

To the fullest extent permitted by applicable law, ABI Methodology™ and its owners, employees, contractors, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunities, goodwill, data, or other intangible losses arising out of or relating to your access to or use of the Services.

Without limiting the foregoing, ABI Methodology™ is not responsible for any business decisions, actions, strategies, or results implemented by you based on the Content or coaching services, including any loss of revenue, clients, business opportunities, or other outcomes.

To the fullest extent permitted by law, ABI Methodology™’s total aggregate liability for all claims arising out of or relating to the Services, these Terms, or your use of the Services, regardless of the form of action or theory of liability, will not exceed the amount paid by you to ABI Methodology™ for the Services during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms shall be subject to the applicable laws of California.

15. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms shall be resolved through binding arbitration on an individual basis. Class actions, class arbitrations, and collective proceedings are not permitted. Users may opt out of the arbitration requirement within 30 days of accepting these Terms by providing written notice to us.

16. Modifications to Terms

ABI Methodology™ reserves the right to modify, update, or revise these Terms at any time in its sole discretion. Changes may be made to reflect updates to our Services, business practices, legal requirements, security measures, or other operational needs.

Unless otherwise stated, changes will become effective immediately upon posting. For material changes that significantly affect your rights or obligations, ABI Methodology™ may provide additional notice, such as through email, account notifications, or other reasonable communication methods.

Your continued access to or use of the Services after the effective date of any revised Terms constitutes your acceptance of the updated Terms. If you do not agree to any modification, you must discontinue use of the Services and may cancel your subscription in accordance with these Terms.

17. Customer Support

If you have questions, concerns, experience issues with the Services, or require assistance with your account or subscription, you may contact ABI Methodology™ customer support at the email address provided below.

ABI Methodology™ will use reasonable efforts to respond to support requests in a timely manner and provide assistance regarding account access, subscription management, billing questions, and general use of the Services. However, ABI Methodology™ does not guarantee response times, resolution times, or uninterrupted availability of customer support.

Customer support communications do not modify, supplement, or create any additional rights or obligations beyond those expressly provided in these Terms unless agreed to in writing by an authorized representative of ABI Methodology™.

Support Contact: info@abim.info

18. Entire Agreement

These Terms, together with ABI Methodology™’s Privacy Policy and any additional written agreements, order forms, subscription terms, or supplemental service agreements applicable to specific Services, constitute the entire agreement between you and ABI Methodology™ regarding your access to and use of the Services.

These Terms supersede and replace any prior or contemporaneous agreements, understandings, communications, representations, or discussions, whether written or oral, relating to the Services. No statement, representation, or course of conduct by ABI Methodology™ or any of its representatives shall modify these Terms unless expressly agreed to in writing by an authorized representative of ABI Methodology™.

If any supplemental service agreement conflicts with these Terms, the supplemental service agreement will control only with respect to the specific Services or obligations covered by that agreement, and these Terms will otherwise remain in full force and effect.

19. Severability

If any provision of these Terms is determined to be invalid, unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be interpreted, modified, or limited to the minimum extent necessary to make it enforceable while preserving the intent of the parties. If any provision cannot be made enforceable, it shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

20. Waiver

ABI Methodology™’s failure or delay in exercising any right, remedy, power, or privilege under these Terms shall not operate as a waiver of that right or any other right or remedy. Any waiver must be expressly provided in writing by an authorized representative of ABI Methodology™ and shall apply only to the specific circumstance for which it is provided.

21. Force Majeure

ABI Methodology™ shall not be liable or responsible for any failure, delay, interruption, suspension, or inability to provide the Services resulting from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, severe weather events, fire, flood, pandemic, epidemic, labor disputes, governmental actions, changes in laws or regulations, internet or telecommunications failures, hosting failures, cybersecurity incidents, failures of third-party service providers, payment processor interruptions, or other events outside ABI Methodology™’s reasonable control.

During any such event, ABI Methodology™ may suspend, modify, or limit the availability of the Services as reasonably necessary. ABI Methodology™ will use reasonable efforts to restore affected Services when reasonably practicable but does not guarantee uninterrupted availability.

22. Third-Party Services

The Services may rely on or integrate with third-party platforms, software, applications, hosting providers, payment processors, authentication providers, video conferencing platforms, communication tools, analytics providers, customer relationship management systems, marketing platforms, and other third-party services. These third-party services are provided by independent providers and may be subject to separate terms, conditions, privacy policies, and practices.

ABI Methodology™ does not control and is not responsible for the availability, functionality, security, accuracy, reliability, performance, or policies of any third-party services. ABI Methodology™ does not guarantee that third-party services will operate without interruption, error, or security issues.

You acknowledge and agree that ABI Methodology™ shall not be responsible for any loss, delay, interruption, or damages arising from the acts, omissions, failures, or policies of third-party service providers.

23. Electronic Communications and Notices

You consent to receive communications from ABI Methodology™ electronically, including through email, account notifications, website postings, or other electronic methods. Such communications may include account information, billing notices, subscription updates, service announcements, legal notices, and other communications related to your use of the Services.

You agree that all electronic communications provided by ABI Methodology™ satisfy any legal requirement that such communications be provided in writing.

You are responsible for maintaining an accurate and current email address associated with your account and ensuring that communications from ABI Methodology™ are not blocked, filtered, or otherwise prevented from reaching you.

24. No Agency, Partnership, or Fiduciary Relationship

Your use of the Services does not create any partnership, joint venture, agency, employment, franchise, fiduciary, advisory, or other similar relationship between you and ABI Methodology™.

ABI Methodology™ provides educational resources, business development strategies, and coaching services for informational purposes only. ABI Methodology™ does not act as your agent, representative, investment advisor, legal advisor, compliance advisor, financial advisor, or fiduciary.

You are solely responsible for your business decisions, professional judgments, client relationships, regulatory obligations, and implementation of any strategies, recommendations, or materials provided through the Services.

25. Professional Responsibility and Regulatory Compliance

You acknowledge that you are solely responsible for ensuring that your use of the Services, including any strategies, recommendations, materials, templates, communications, marketing activities, workflows, or business practices implemented by you, comply with all applicable laws, regulations, licensing requirements, professional standards, and obligations applicable to your business and profession.

ABI Methodology™ does not review, approve, supervise, or certify your business practices, client communications, marketing materials, compliance procedures, or regulatory obligations. Any examples, frameworks, methodologies, templates, or recommendations provided through the Services are educational resources only and must be independently evaluated by you before implementation.

You remain solely responsible for determining whether and how any information provided through the Services applies to your specific circumstances and for obtaining any professional, legal, regulatory, compliance, tax, accounting, or other advice necessary for your business activities.

Nothing in the Services creates an obligation for ABI Methodology™ to monitor, supervise, or ensure your compliance with any applicable laws, regulations, industry standards, or professional requirements.