Terms of Service
Last Updated: November 2025
1. Introduction
These Terms of Service (“Terms”) govern your use of services provided by Business Wealth Advisory, Inc., Tina-Sue, Women Choosing Growth, and any affiliated businesses (collectively referred to as “Company,” “we,” “our,” or “us”). By engaging our services, enrolling in our programs, or accessing our website, you agree to be bound by these Terms.
These Terms protect the Company, its owners, employees, contractors, and affiliates—including Tina-Sue personally—from any direct or indirect claims or personal liability. You acknowledge that you are contracting with the Company only.
2. Nature of Services
Our services include business advisory, coaching, courses, speaking engagements, and related educational materials. All information and content are provided for educational and informational purposes only. Nothing we provide constitutes legal, accounting, investment, tax, mental health, or other regulated professional advice. You should consult your own qualified professionals before making business, financial, or personal decisions.
Engagement in our services does not create a fiduciary duty or any professional-client relationship (such as attorney-client, accountant-client, or investment adviser-client). You are solely responsible for your actions and outcomes. You assume all risks associated with implementing strategies or materials provided by us.
3. No Guarantee of Results or Earnings
We make no guarantees or warranties regarding any specific financial or business results. Success depends on many factors outside our control, including your personal effort, business model, market conditions, and decisions. Past results or testimonials are not indicative of future performance.
4. Intellectual Property and License of Use
All content, materials, templates, frameworks, videos, worksheets, and program tools created or provided by us remain our exclusive property. When you purchase or access our materials, you receive a personal, limited, non-transferable license to use them for your own business and educational purposes only.
You may not reproduce, share, sell, distribute, or create derivative works based on our materials without written permission. We reserve the right to audit suspected misuse and revoke access without refund if these Terms are violated.
If such a breach occurs, you agree that the Company is entitled to recover all resulting losses and damages, including a minimum liquidated damages amount of five thousand dollars ( $15,000 ) per violation, or the full cost of your program or service access (whichever is greater), plus attorney’s fees and costs required to enforce our rights. We reserve the right to audit suspected misuse and revoke access without refund if these Terms are violated.
5. Payment Terms and Refund Policy
All fees are due as stated at checkout or on your invoice. Unless otherwise noted, services and programs must be paid in advance. If you are on a payment plan and a payment fails, we may suspend or terminate your access immediately until payment is corrected. You remain responsible for any outstanding balance.
Refunds are subject to our separate Refund Policy, which requires documented proof that you completed all assigned work and coursework before any refund request is reviewed. You agree not to initiate chargebacks and to resolve any billing issues directly with us.
6. Cancellations and Rescheduling
You may cancel or reschedule private sessions with at least 48 hours’ notice. Sessions canceled or rescheduled with less than 48 hours’ notice are forfeited. The Company reserves the right to reschedule sessions, workshops, or group calls for reasonable cause without penalty.
7. Disclaimer of Warranties
All services, products, and materials are provided “as is” and “as available.” We make no express or implied warranties, including warranties of merchantability, fitness for a particular purpose, title, or non-infringement. We do not guarantee uninterrupted or error-free operation of our website, programs, or materials.
8. Limitation of Liability
To the fullest extent permitted by law, the Company and its owners, employees, contractors, affiliates, and partners are not liable for any direct, indirect, incidental, special, consequential, or punitive damages, including lost profits, data, or business interruption, arising out of your use or reliance on our services or materials.
Our total cumulative liability for any claim shall not exceed the total fees you paid to the Company for the services giving rise to the claim within the twelve (12) months preceding the event. These limitations apply regardless of the form of action—whether in contract, tort, negligence, or otherwise—and even if we have been advised of the possibility of such damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless the Company, its owners, employees, contractors, and affiliates from any claims, liabilities, damages, losses, or expenses (including attorney’s fees) arising from:
-
Your use or misuse of our services or materials
-
Your violation of any laws or regulations
-
Any reliance you place on our advice or content
-
Any infringement or misuse of our intellectual property
10. Arbitration and Dispute Resolution
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
Arbitration will be held in Brown County, Wisconsin, unless both parties agree to conduct the proceedings virtually or in another location. Each party will bear its own legal fees and costs, except as otherwise required by law.
You and we agree to waive the right to a jury trial and to bring claims only in an individual capacity, not as a plaintiff or class member in any class or representative proceeding. Either party may bring an individual claim in small claims court in Brown County, Wisconsin.
11. Time Limitation for Claims
Any claim or cause of action arising from these Terms must be filed within one (1) year of the event giving rise to it. After that, the claim is permanently barred.
12. Recording and Consent
We may record individual coaching sessions, webinars, and group programs for training, quality, or participant access purposes. By participating, you consent to being recorded and waive any claim to privacy or compensation related to those recordings. If you do not wish to be recorded, you must notify us in writing before the session begins.
13. Privacy and Data
Your use of our website and services is subject to our Privacy Policy. Do not send us confidential financial account details, health data, or other sensitive information. We are not a covered entity under HIPAA and do not agree to handle protected health information. While we use reasonable security measures, we cannot guarantee complete data security.
14. Termination of Access
We may suspend or terminate your participation in any program or service at any time for nonpayment, breach of these Terms, disruptive behavior, or misuse of our materials. Payments already made are non-refundable under these circumstances.
15. Force Majeure
We are not responsible for any delay or failure to perform caused by events beyond our reasonable control, including natural disasters, acts of government, strikes, power outages, illness, or internet failures.
16. Independent Contractor
Nothing in these Terms creates a partnership, joint venture, or employment relationship between you and the Company. We are independent contractors providing services as defined herein.
17. General Provisions
-
Changes to Terms: We may update these Terms at any time by posting a revised version on our website. Continued use of our services after changes means you accept the updated Terms.
-
Assignment: We may assign or delegate our rights and obligations under these Terms in connection with a merger, sale, or corporate reorganization.
-
Severability: If any part of these Terms is held invalid, the remaining provisions remain in full effect.
-
No Waiver: Failure to enforce any part of these Terms is not a waiver of our right to do so later.
-
Entire Agreement: These Terms, along with any signed agreement or policy referenced herein, constitute the entire agreement between you and the Company regarding your use of our services.
-
Attorney’s Fees: In any arbitration or legal proceeding, the prevailing party may recover reasonable attorney’s fees and costs.
