Terms of Service

Last updated: September 15, 2025

These Terms of Service (“Terms”) govern your access to and use of the CEO Financial Literacy Academy website and related services (the “Service”). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy.

1. Eligibility & Accounts

You must be at least 13 years old to use the Service. If you create an Account, you are responsible for maintaining its confidentiality and for all activities under it. Provide accurate information and promptly update any changes.

2. Program Registrations; Donations; Payments

We may offer program/event registrations, donations, and resource purchases through third-party processors. By submitting a payment, you authorize the processor to charge your selected payment method. All transactions are subject to our and the processor’s terms. Unless stated otherwise, donations are non-refundable to the fullest extent permitted by law.

3. SMS/Text Program (TCPA)

By providing your mobile number and affirmatively consenting (e.g., checking a box), you agree to receive informational and occasional marketing texts from CEOFLA. Message frequency varies. Message & data rates may apply. You can STOP at any time to opt out and HELP for help at 305-849-2035. Consent is not required to participate in our programs. Carriers are not liable for delayed or undelivered messages.

4. Acceptable Use

You agree not to:

  • Violate any applicable law or regulation

  • Interfere with security or integrity of the Service

  • Upload malicious code or attempt unauthorized access

  • Infringe or misappropriate intellectual property, privacy, or publicity rights

  • Use the Service to harass, defraud, or harm others
    We may suspend or terminate access for violations.

5. Your Content & Licenses

If you post, submit, or upload content (“User Content”), you represent that you have the necessary rights and that it does not violate these Terms or any law. You grant CEOFLA a non-exclusive, worldwide, royalty-free license to use, reproduce, display, and distribute your User Content solely to operate and improve the Service and administer programs.

6. Intellectual Property

The Service, including all text, graphics, logos, and other materials, is owned by CEOFLA or our licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works except as expressly permitted.

7. Third-Party Services & Links

We may use or link to third-party tools (e.g., payment processors, video platforms, analytics). Your use of those services is governed by their terms and privacy policies.

8. Educational & Informational Purpose; No Financial/Legal/Medical Advice

Content is provided for educational and informational purposes and does not constitute financial, legal, tax, or medical advice. You should consult qualified professionals for advice pertaining to your situation.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, CEOFLA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CEOFLA AND ITS DIRECTORS, OFFICERS, EMPLOYEES, VOLUNTEERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE. OUR AGGREGATE LIABILITY WILL NOT EXCEED $100 OR THE AMOUNTS YOU PAID US IN THE 12 MONTHSBEFORE THE CLAIM, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations; some of the above may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless CEOFLA and its affiliates, officers, directors, employees, volunteers, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your User Content, or your violation of these Terms or applicable law.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason or no reason, including if we believe you violated these Terms. Upon termination, sections intended to survive (e.g., IP, disclaimers, limitations, indemnity, governing law, dispute resolution) will survive.

13. Governing Law; Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida for any action not subject to arbitration.

14. Dispute Resolution; Arbitration

Before filing a claim, you agree to try to resolve the dispute informally by emailing info@ceofinancialliteracyacademy.com. If unresolved within 30 days, disputes will be resolved by binding arbitration administered by JAMS under its rules. Class actions and jury trials are waived. You may seek individual relief in small-claims court in Miami-Dade County if your claim qualifies. This section does not apply to claims where injunctive relief is sought to prevent unauthorized use or IP infringement.

15. Changes to the Service or Terms

We may modify or discontinue any part of the Service. We may update these Terms; changes are effective when posted with the updated “Last updated” date. Continued use after changes means you accept the Terms as updated.

16. Accessibility

We strive to make our content accessible. If you encounter barriers, contact info@ceofinlit.com.

17. Contact

CEO Financial Literacy Academy
Email: info@ceofinlit.com
Phone/SMS: 305-849-2035