Terms and Conditions

TERMS OF PARTICIPATION  
Please READ Carefully by purchasing this product you (herein referred to as "You" or "Client") agrees to the following terms stated herein.  

PROGRAMS/SERVICE  
Fullife, LLC (herein referred to as "Fullife, LLC" or "Company" or "We") agrees to provide the Program, "Equipment Finance Freedom"; "Business Finance Blueprint (BFB)"; "Creators Learn" (herein referred to as "Program”) identified in online commerce shopping cart. Client agrees to abide by all policies and procedures as outlined in this agreement as a condition of their participation in the Program.

PAYMENT TERMS
You agree to pay according to the payment terms outlined on the sales and check out page(s).

DISCLAIMER  
Client understands Jermane Cheathem and/or Renee La Tour (herein referred to as "Consultant(s)") and Fullife, LLC, is not an employee, agent, lawyer, doctor, manager, therapist, public relations or business manager, registered dietician, or financial analyst, psychotherapist or accountant. Client understands that Consultant has not promised, shall not be obligated to and will not; (1) procure or attempt to procure employment or business or sales for Client; (2) Perform any business management functions including but not limited to, accounting, tax or investment consulting, or advice with regard thereto; (3) act as a therapist providing psychoanalysis, psychological counseling or behavioral therapy; (4) act as a public relations manager (5) act as a publicist to procure any publicity, interviews, write-ups, features, television, print or digital media exposure for Client; (6) introduce Client to Consultant’s full network of contacts, media partners or business partners. Client understands that a relationship does not exist between the parties after the conclusion of this Program. If the Parties continue their relationship, a separate agreement will be entered into.    

LIVE COACHING CALLS/SESSIONS
By participating in the coaching calls/sessions, you're agreeing and authorizing us to record the sessions. If you have anything private to discuss, please reach out via email for support. The calls/sessions will be recorded for record-keeping, quality assurance, testimonial and marketing use, training purposes and to share with other students/participants. Fullife, LLC has full access and ownership of the recorded sessions. The coaching sessions and the course materials contain confidential, proprietary, privileged and/or private information. You agree that you may not save, record, share or post the calls, sessions, course materials or any photos from this session without prior permission.

NO-SHOW FOR LIVE CALLS/SESSIONS
We will wait approximately 5 minutes on the scheduled calls, if Client(s) don't arrive within the first five minutes, it's considered a no-show. Life happens and we totally understand, as long as you communicate with us, we'll work with you at the discretion and availability of the Consultants and Company.

MUTUAL NON-DISCLOSURE AGREEMENT / CONFIDENTIALITY  
The Company respects Client’s privacy and insists that Client respects the Company’s and Program Participants (herein referred to as "Participants"). Thus, consider this a mutual non-disclosure agreement. Any Confidential Information shared by Program participants or any representative of the Company is confidential, Proprietary, and belongs solely and exclusively to the Participant who discloses it. Client grants Company permission to use any verbal or written contributions for marketing purposes, including first name, last initial and public photo (google/LinkedIn) to inspire others. Confidential or potentially damaging information will never be shared. If client wishes to withdraw any content used in Company's marketing materials, please notify the Company. We respect your decision and will remove it promptly. Parties agree not to disclose, reveal or make use of any Confidential Information or any transactions, during discussions, on the forum or otherwise. Client agrees not to use such confidential information in any manner other than in discussion with other Participants during the Program. Confidential Information includes, but is not limited to, information disclosed in connection with this Agreement, and shall not include information rightfully obtained from a third party. Both Parties will keep Confidential Information in strictest confidence and shall use the best efforts to safeguard the Confidential Information and to protect it against disclosure, misuse, espionage, loss and theft. Client agrees not to violate the Company’s publicity or privacy rights. Furthermore Client will NOT reveal any information to a third party obtained in connection with this Agreement or Company’s direct or indirect dealings with Client including but not limited to; names, email addresses, third-party company titles or positions, phone numbers or addresses. Additionally, Client will not, at any time, either directly or indirectly, disclose confidential information to any third party. Further, by purchasing this product you agree that if you violate or display any likelihood of violating this session the Company and/or the other Program participant(s) will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

NO TRANSFER OF INTELLECTUAL PROPERTY  
Fullife, LLC’s Program is copyrighted and original materials that have been provided to Client are for Client’s individual use only and a single-user license. Client is not authorized to use any of Company’s intellectual property for Client’s business purposes. All intellectual property, including Company’s copyrighted Program and/or course materials, shall remain the sole property of the Fullife, LLC. No license to sell or distribute Company’s materials is granted or implied. By purchasing this product, Client agrees (1) not to infringe any copyright, patent, trademark, trade secret, or other intellectual property rights, (2) that any Confidential Information shared by the Company is confidential and proprietary, and belongs solely and exclusively to the Company, (3) Client agrees not to disclose such information to any other person or use it in any manner other than in discussion with the Company. Further, by purchasing this product, Client agrees that if Client violates, or displays any likelihood of violating, any of Client’s agreements contained in this paragraph, the Company will be entitled to injunctive relief to prohibit any such violations and to protect against the harm of such violations.  

CLIENT RESPONSIBILITY  
Program is developed for strictly educational purposes ONLY. Client accepts and agrees that Client is 100% responsible for their progress and results from the Program. Company makes no representations, warranties or guarantees verbally or in writing. Client understands that because of the nature of the Program and extent, the results experienced by each client may significantly vary. Client acknowledges that as with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that Client will reach their goals as a result of participation in the Program. Program education and information is intended for a general audience and does not purport to be, nor should it be construed as, specific advice tailored to any individual. Company assumes no responsibility for errors or omissions that may appear in any Program materials.  

MONEY BACK GUARANTEE
Our goal is to help you launch your equipment finance business by utilizing the Program. We want you to give your best effort to apply all of the strategies in the course and if you follow the Program instructions, methods and frameworks and do not reach $10,000 in funded commission within 90 days of program course completion, we'll refund your membership fees.

In order to qualify for a refund, you must submit proof that you did the work in the course, sought feedback or help if you’re having any issues or not grasping the course materials and implemented the advice and direction given to you.  All refunds are discretionary as determined by Fullife, LLC.  You may request your money back by emailing us directly at hello@creatorslearn.com. That email must contain information about the product you purchased, the date of the purchase, and the email and name associated with any such purchase. You must demonstrate that you have implemented and completed the action steps in the Program without success. To meet this requirement, you're required to do the work, show proof you did the work, ask for help so we can guide you and troubleshoot your questions/issues and show up for every 1:1 and/or group call. You must show that you implemented the advice and feedback given to you. To meet this requirement, you must submit the work outlined below: Requirement 1: Complete and attach the following exercise worksheets: 1)The “Why” exercise, “7-Levels Deep”, and 2) “Envision Your Ideal Partner” Worksheet. Requirement 2: Provide proof that you asked for help from us directly and tried implementing the advice/feedback/guidance given. Requirement 3: Provide screenshots of the previous 90 days of messages sent on LinkedIn. Requirement 4: Please provide responses to the following questions:  1) Reason for your refund request:  2) What about program did you decide wasn’t a good fit for you? Please be specific. 3) What about the program DID you like?  If you have any questions or concerns, please let us know by contacting us directly at: hello@creatorslearn.com.

INDEPENDENT CONTRACTOR STATUS  
Nothing in this Agreement is to be construed as creating a partnership, venture alliance, or any other similar relationship. Each party shall be an independent contractor in its performance hereunder and shall retain control over its personnel and the manner in which such personnel perform hereunder. In no event shall such persons be deemed employees of the other party by virtue of participation or performance hereunder.  

NON-ACADEMIC INSTITUTIONS  
Please note the Company and Programs are not an accredited academic institution and do not issue diplomas or academic certifications or degrees. We do not accept student loans or provide student aid under any programs. We are a for-profit professional educational and development platform.

LINKS
These terms of use apply only to our websites and Programs, and not to the Sites of any other companies or organizations, including those we link to. We do not maintain, create, endorse, or take any responsibility for the contents, advertising, products or other materials made available through any other website, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other website. Other websites may link to our Sites by permission only. To seek our permission, you may contact us at the information above. We reserve the right to rescind any permission granted to you or any organization in which we approve linking to our Sites, and to require termination of any such link to any of the Sites, at our discretion at any time.  

AFFILIATE LINKS
This course contains affiliate links. If you choose to purchase after clicking a link, I may receive a commission, gift or perk at no extra cost to you.

FORCE MAJEURE
In the event that any cause beyond the reasonable control of either Party, including without limitation acts of God, war, curtailment or interruption of transportation facilities, threats or acts of terrorism, State Department travel advisory, labor strike or civil disturbance, make it inadvisable, illegal, or impossible, either because of unreasonable increased costs or risk of injury, for either Company to perform its obligations under this Agreement, the Company’s performance shall be extended without liability for the period of delay or inability to perform due to such occurrence.  

SEVERABILITY/WAIVER
If any provision of this Agreement is held by to be invalid or unenforceable, the remaining provisions shall nevertheless continue in full force. The failure of either Party to exercise any right provided for herein will not be deemed a waiver of that right or any further rights hereunder.  

LIMITATION OF LIABILITY  
Client agrees they used Company’s services at their own risk and that Program is only an educational service being provided. Client releases Company, its officers, employees, directors, subsidiaries, principals, agents, heirs, executors, administrators, successors, assigns, Instructors, guides, staff, Participants, and related entities any way as well as the venue where the Programs are being held (if applicable) and any of its owners, executives, agents, or staff (hereinafter "Releasees") from any and all damages that may result from any claims arising from any agreements, all actions, causes of action, contracts, claims, suits, costs, demands and damages of whatever nature or kind in law or in equity arising from my participation in the Programs. Client accepts any and all risks, foreseeable or unforeseeable. Client agrees that Company will not be held liable for any damages of any kind resulting or arising from including but not limited to; direct, indirect, incidental, special, negligent, consequential, or exemplary damages happening from the use or misuse of Company’s services or enrolment in the Program. Company assumes no responsibility for errors or omissions that may appear in any of the Program materials.  

NON-DISPARAGEMENT
The Parties agree and accept that the only venue for resolving such a dispute shall be in the venue set forth herein below. The parties agree that they neither will engage in any conduct or communications with a third party, public or private, designed to disparage the other. Neither Client nor any of Client’s associates, employees or affiliates will directly or indirectly, in any capacity or manner, make, express, transmit speak, write, verbalize or otherwise communicate in any way (or cause, further, assist, solicit, encourage, support or participate in any of the foregoing), any remark, comment, message, information, declaration, communication or other statement of any kind, whether verbal, in writing, electronically transferred or otherwise, that might reasonably be construed to be derogatory or critical of, or negative toward, the Company or any of its Programs, members, owner directors, officers, Affiliates, subsidiaries, employees, agents or representatives.  

NO PROFESSIONAL ADVICE
The information contained in or made available through the Programs (including but not limited to information contained on message boards, in text files, in messages, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, therapeutic, or legal matters. We and our licensors and suppliers make no representations or warranties concerning any treatment, action, or application of medication, psychological, therapeutic, or legal matters or preparation by any person following the information offered or provided within or through the Programs. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Programs, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.  

LENDER RELATIONSHIPS & SERVICE PROVIDERS
Company and Consultants are unable to guarantee that suggested lenders, funding sources, and/or service providers will be able to do business with you specifically. Each lender, funding source, and/or service provider has their own requirements, acceptance criteria, and obligations that change frequently. We will do our best to always make sure you're supported as a student and have all the available and known resources for your business.

ASSIGNMENT
Client may not assign this Agreement without express written consent of Company.  

MODIFICATION
Company may modify terms of this agreement at any time. All modifications shall be posted on the Program website and purchasers shall be notified.  

TERMINATION
Company is committed to providing all clients in the Program with a positive Program experience. By purchasing this product, Client agrees that the Company may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate Client’s participation in the Program without refund or forgiveness of monthly payments if Client becomes disruptive to Company or Participants, Client fails to follow the Program guidelines, is difficult to work with, impairs the participation of the other participants in the Program or upon violation of the terms as determined by Company. Client will still be liable to pay the total contract amount.  

INDEMNIFICATION
Client shall defend, indemnify, and hold harmless Company, Company’s officers, employers, employees, contractors, directors, related entities, trustees, affiliates, and successors from and against any and all liabilities and expense whatsoever – including without limitation, claims, damages, judgments, awards, settlements, investigations, costs, attorneys fees, and disbursements – which any of them may incur or become obligated to pay arising out of or resulting from the offering for sale, the sale, and/or use of the product(s), excluding, however, any such expenses and liabilities which may result from a breach of this Agreement or sole negligence or wilful misconduct by Company, or any of its shareholders, trustees, affiliates or successors. Client shall defend Company in any legal actions, regulatory actions, or the like arising from or related to this Agreement. Client recognizes and agrees that all of the Company’s shareholders, trustees, affiliates and successors shall not be held personally responsible or liable for any actions or representations of the Company. In consideration of and as part of my payment for the right to participate in Fullife, LLC Programs, the undersigned, my heirs, executors, administrators, successors and assigns do hereby release, waive, acquit, discharge, indemnify, defend, hold harmless and forever discharge Fullife, LLC and its subsidiaries, principals, directors, employees, agents, heirs, executors, administrators, successors, and assigns and any of the training instructors, guides, staff or students taking part in the training in any way as well as the venue where the Programs are being held (if applicable) and any of its owners, executives, agents, or staff (hereinafter "Releasees") of and from all actions, causes of action, contracts, claims, suits, costs, demands and damages of whatever nature or kind in law or in equity arising from my participation in the Program.  

RESOLUTION OF DISPUTES
If not resolved first by good-faith negotiation between the parties, every controversy or dispute relating to this Agreement will be submitted to the American Arbitration Association. All claims against Company must be lodged within 100-days of the date of the first claim or otherwise be forfeited forever. The arbitration shall occur within ninety (90) days from the date of the initial arbitration demand. The parties shall cooperate to ensure that the arbitration process is completed within the ninety (90) day period. The parties shall cooperate in exchanging and expediting discovery as part of the arbitration process. The written decision of the arbitrators (which will provide for the payment of costs) will be absolutely binding and conclusive and not subject to judicial review, and may be entered and enforced in any court of proper jurisdiction, either as a judgment of law or a decree in equity, as circumstances may indicate. In disputes involving unpaid balances on behalf of Client, Client is responsible for any and all arbitration and attorney fees.   EQUITABLE RELIEF In the event that a dispute arises between the Parties for which monetary relief is inadequate and where a Party may suffer irreparable harm in the absence of an appropriate remedy, the injured Party may apply to any court of competent jurisdiction for equitable relief, including without limitation a temporary restraining order or injunction.  

NOTICES
Any notices to be given hereunder by either Party to the other may be affected by personal delivery or by mail, registered or certified, postage prepaid with return receipt requested. Notices delivered personally shall be deemed communicated as of the date of actual receipt; mailed notices shall be deemed communicated as of three (3) days after the date of mailing. For purposes of this Agreement, "personal delivery" includes notice transmitted by fax or email to: hello@creatorslearn.com. This Agreement shall be binding upon and inure to the benefit of the parties hereto, their respective heirs, executors, administrators, successors and permitted assigns. Any breach or the failure to enforce any provision hereof shall not constitute a waiver of that or any other provision in any other circumstance.This Agreement constitutes and contains the entire agreement between the parties with respect to its subject matter, supersedes all previous discussions, negotiations, proposals, agreements and understandings between them relating to such subject matter. This Agreement shall be governed by and construed in accordance with the laws of the State of Arizona, United States of America.  

EARNINGS DISCLAIMER
Every effort has been made to accurately represent this product and its potential.  We don’t believe in “get rich” programs – only in hard work, adding value, building a real and professional business, and serving others with excellence and consistency. Our programs take a lot of work and discipline just like any worthwhile endeavor or professional continuing education program. Please don’t enroll in our programs if you believe in the “money for nothing get rich quick” myth or ideology; we only want serious people dedicated to real personal and professional development who want to add value and create their own business. As stipulated by law, we cannot and do not make any guarantees about your ability to get results or earn any money with our ideas, information, tools or strategies. You should know that all products and services by our company are for educational and informational purposes only. Nothing within the Program, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced in the Programs are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance. Making decisions based on any information presented in our products, events, services, or Sites, should be done only with the knowledge that you could experience risk or losses just like any entrepreneurial endeavor.  This site and the products offered on this site are not associated, affiliated, endorsed, or sponsored by Facebook, nor have they been reviewed, tested or certified by Facebook.  Any claims made of actual earnings or examples of actual results can be verified upon request. Your level of success in attaining the results claimed in our materials depends on the time you devote to the Program, ideas and techniques mentioned, your finances, knowledge and various skills. Since these factors differ according to individuals, we cannot guarantee your success or income level. Nor are we responsible for any of your actions.  Materials in our product and our website may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," and other words and terms of similar meaning in connection with a description of potential earnings or financial performance.  Any and all forward looking statements here or on any of our sales material are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else’s, in fact no guarantees are made that you will achieve any results from our ideas and techniques in our material. You alone are responsible and accountable for your decisions, actions and results in life, and by your registration here you agree not to attempt to hold us liable for your decisions, actions or results, at any time, under any circumstance.  

EXPLICIT LANGUAGE & MATURE CONTENT  
On our Sites and course materials and content we will discuss mature topics and language relating to personal and professional growth that may use explicit language or “curse words.” This language may be deemed “adult language” and is not intended for children. Users who are uncomfortable with such topics or language should not use our Sites, courses, materials or content.  

ADULT CLIENTS ONLY
Programs are not intended for children under 18 years of age. If you are under 18, you are not authorized to purchase or use these Programs.    

LEGALLY AUTHORIZED TO WORK IN THE UNITED STATES
Client agrees and acknowledges that they’re legally fit and able to work in the United States of America (US) as a 1099 (IRS Form W-9) Contractor. These Programs are not intended for non-US citizens and/or those not legally able to gainfully be employed or contracted by a US based Company. If you are not legally authorized to be paid as a 1099 in the US, you are not authorized to purchase or use these Programs.    

CHANGES TO TERMS
The Company reserves the right, in its sole discretion, to change the Terms under which the Website is offered. The most current version of the Terms will supersede all previous versions. The Company encourages you to periodically review the Terms to stay informed of our updates.



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Permission is granted to use the materials on Companies web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

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Disclaimer

The materials on Companies web site are provided 'as is'. Company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Company does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Limitations

In no event shall Company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Companies Internet site, even if Company or a Company authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Revisions and Errata

The materials appearing on Companies web site could include technical, typographical, or photographic errors. Company does not warrant that any of the materials on its web site are accurate, complete, or current. Company may make changes to the materials contained on its web site at any time without notice. Company does not, however, make any commitment to update the materials.

Links

Company has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Company of the site. Use of any such linked web site is at the user's own risk.

Site Terms of Use Modifications

Company may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to Companies web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.

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