Terms of Service

01Acceptance of Terms

These Terms of Service ("Terms") form a binding legal agreement between you ("you" or "User") and Scale With Credit (operating as "Scale With Credit Academy" for the purposes of these educational services). By accessing this website, submitting an application, enrolling in the Funding Architect Program, or otherwise using any service offered by Scale With Credit Academy, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access this site or use any service we offer.

02Definitions

• "Company," "we," "us," "our" refers to Scale With Credit Academy, operating under Scale With Credit.
• "Site" means the website located at the Scale With Credit Academy domain and any subdomains.
• "Program" means the Funding Architect Program and any related educational programs, materials, communities, coaching, templates, recordings, or community access provided to enrolled students.
• "Content" means all text, video, audio, graphics, templates, spreadsheets, contracts, frameworks, slides, recordings, and any other materials made available through the Program or Site.
• "Application" means the form you complete on the Site to request consideration for enrollment.

03Description of Services

Scale With Credit Academy provides educational training, coaching, community access, templates, and supporting Content for individuals who wish to learn the operational practices of funding consulting. The Program is structured as a multi-week curriculum delivered through video lessons, written materials, group coaching calls, and optional one-on-one calls, as described on the Site at the time of enrollment.

We may modify, suspend, or discontinue any aspect of the Program at our reasonable discretion. We will make a good-faith effort to give enrolled students reasonable notice of material changes that affect curriculum delivery.

04Eligibility

You must be at least 18 years old and legally able to enter into binding contracts in your jurisdiction to use this Site or enroll in the Program. By submitting an Application, you represent and warrant that you meet these requirements.

Enrollment in the Program is selective. We reserve the right to decline any Application for any lawful reason, including but not limited to fit with the curriculum, capacity constraints, or our discretionary judgment that the Program is not appropriate for the applicant at that time.

05Application and Enrollment

Submitting an Application does not constitute enrollment or any obligation on our part. After review, qualified applicants may be invited to a discovery call where program specifics, including pricing and payment terms, will be presented. Enrollment occurs only after both parties agree in writing (which may include electronic acceptance of an enrollment agreement and successful payment or initial payment).

The enrollment agreement may contain additional terms specific to your cohort, payment plan, and program access. In the event of any conflict between the enrollment agreement and these Terms, the enrollment agreement controls with respect to the specific subject matter it addresses.

06Educational Nature of Services

The Program is an educational and training service. It is not legal advice, tax advice, financial advice, investment advice, accounting advice, or business advice tailored to your specific situation. The Program teaches general operational practices, frameworks, and templates. Whether and how you apply any portion of the curriculum to your own business is your decision and your responsibility.

07No Guarantees of Results

We do not guarantee any specific income, revenue, business outcomes, approval rates, client volume, or financial results from your participation in the Program. Any case studies, testimonials, or example results shown on the Site or in Program materials represent the experience of specific individuals and are not representative or typical results.

Your results depend on many factors that are outside our control, including but not limited to: the time and effort you invest, your prior knowledge and experience, your local market conditions, your willingness to act on the curriculum, the regulatory environment in your jurisdiction, general economic conditions, your communication and sales skills, and many other variables.

08Payment and Refund Policy

Payment

Program pricing is communicated to qualified applicants during the discovery call. By enrolling, you agree to pay the full amount due according to the payment terms in your enrollment agreement, whether paid in full upfront or through a payment plan. All amounts are stated in U.S. Dollars unless otherwise specified.

Payment plan obligations remain due in full even if you choose to stop participating in the Program after enrollment, except as expressly provided in the refund policy below or in your specific enrollment agreement.

Refund Policy

Specific refund terms (including any applicable money-back guarantee period, milestones, or conditions) are stated in the enrollment agreement provided at the time of enrollment. Any refund request must be submitted in writing to our support email within the refund window specified in your enrollment agreement and must include the materials required to process the request.

Outside of an applicable refund window or program-specific guarantee, all payments are non-refundable.

Chargebacks

You agree not to initiate a chargeback with your bank or card issuer for any payment to which you have agreed under your enrollment agreement, without first contacting us in good faith to attempt to resolve the dispute. Initiating a chargeback in bad faith may result in immediate termination of your Program access and pursuit of the disputed amount through collections or legal action.

09Intellectual Property

All Content provided through the Site and the Program, including but not limited to written curriculum, videos, audio recordings, slides, spreadsheets, templates, frameworks, contracts, scripts, graphics, and any derivative works, is the exclusive property of Scale With Credit Academy or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

Upon enrollment, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Content solely for your personal educational purposes and for the operation of your own funding consulting business. You may use the templates and frameworks in your own client work after enrollment, provided that:

• You do not resell, redistribute, sublicense, or publicly share the Content with persons who have not enrolled in the Program;
• You do not use the Content to create a competing educational program or training service;
• You do not remove or alter any copyright, trademark, or proprietary notices on the Content;
• You comply with all other obligations in these Terms and your enrollment agreement.

"Scale With Credit," "Scale With Credit Academy," "The Funding Architect Program," and related marks are trademarks of Scale With Credit. All rights not expressly granted are reserved.

10User Conduct

You agree not to, and not to attempt to:

• Use the Site or Program for any unlawful purpose or in violation of any applicable law or regulation;
• Misrepresent your identity, qualifications, or affiliation when applying or while enrolled;
• Harass, threaten, defame, or otherwise harm any other student, instructor, staff member, or third party;
• Share your enrollment login or Content with anyone who has not paid for enrollment;
• Record, screenshot, or distribute live coaching calls without express written permission;
• Reverse engineer, decompile, scrape, or attempt to extract source code or training data from the Site or Program;
• Use any automated system, bot, or script to access the Site or Program in a manner that exceeds normal human interaction;
• Introduce malware, viruses, or any other malicious code through the Site;
• Interfere with the proper operation of the Site or Program.

Violation of any of the foregoing may result in immediate termination of your access without refund.

11Communications and Consent

Email Communications

By submitting an Application or enrolling, you consent to receive email communications from us related to your Application, the Program, customer service, account notices, billing, and marketing. You may opt out of marketing emails at any time by using the unsubscribe link in any marketing email, or by contacting us at the email in Section 19. Transactional and account-related emails are required for the operation of the Program and cannot be opted out of while you remain enrolled.

SMS / Text Messaging (A2P 10DLC)

When you provide your phone number and check the consent box on our form, you expressly consent to receive recurring SMS text messages from Scale With Credit Academy at the phone number provided. Messages may include application updates, program reminders, scheduling notifications, follow-ups, account notices, promotional offers, and other communications related to our services.

By providing your phone number and submitting our forms, you confirm:

• Consent is not a condition of purchase or enrollment. You may decline SMS without any effect on our review of your application.
• Message frequency varies. You may receive messages on a recurring basis based on your engagement and your stage in our process.
• Message and data rates may apply. These rates are set by your wireless carrier, not by us.
• You can opt out at any time by replying STOP to any of our text messages. You will receive a confirmation message and we will not text you again unless you opt back in.
• Reply HELP for help or contact us at the email in Section 19.
• Wireless carriers are not liable for delayed or undelivered messages.

Our SMS program is compliant with the Telephone Consumer Protection Act ("TCPA"), the CTIA Messaging Principles and Best Practices, and applicable A2P 10DLC requirements. You represent that the phone number you provide is yours or that you have authorization to receive messages at that number.

Mobile carriers supported include all major U.S. carriers. International messaging may not be available or may be subject to additional terms.

12Third-Party Services

The Site and Program may rely on or link to third-party services, including but not limited to payment processors, video hosting platforms, scheduling tools, email and SMS delivery services, analytics providers, advertising platforms (including Meta Platforms, Inc., Google LLC, and others), and community platforms. We are not responsible for the content, policies, or practices of any third-party service. Your use of any third-party service is governed by that party's terms and privacy policy.

References to third-party trademarks (including META, FACEBOOK, INSTAGRAM, GOOGLE, YOUTUBE) are for identification purposes only. Such trademarks are the property of their respective owners. This Site and the Program are not affiliated with, endorsed by, sponsored by, or in any way officially connected to Meta Platforms, Inc., Facebook, Instagram, Google, YouTube, or any other third-party platform.

13Disclaimers of Warranties

THE SITE, PROGRAM, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SITE OR PROGRAM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THAT THE CONTENT IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR APPLICABLE TO YOUR SPECIFIC SITUATION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

14Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SCALE WITH CREDIT ACADEMY, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, INSTRUCTORS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOST DATA, OR DAMAGES TO REPUTATION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR PROGRAM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS, THE SITE, OR THE PROGRAM SHALL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU ACTUALLY PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

15Indemnification

You agree to indemnify, defend, and hold harmless Scale With Credit Academy, its affiliates, officers, employees, agents, instructors, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: (a) your use of the Site or Program; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; (d) any business activity you conduct using knowledge or templates from the Program, including without limitation your dealings with clients, lenders, or regulators; or (e) any content you submit through the Site.

16Termination

We may suspend or terminate your access to the Site and Program at any time, with or without notice, for any violation of these Terms, your enrollment agreement, or applicable law, or for any other reason in our reasonable discretion. Upon termination, your license to use the Content immediately ends, and you must cease all use of the Content.

Sections that by their nature should survive termination (including without limitation Sections 7, 9, 13, 14, 15, 17, and 19) shall survive any termination of these Terms or your enrollment.

17Governing Law and Disputes

These Terms are governed by the laws of the State of [STATE], United States, without regard to its conflict of laws principles. Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Program shall be resolved as follows:

1. Informal Resolution. Before initiating any formal action, the parties agree to attempt in good faith to resolve the dispute through direct communication for a period of at least thirty (30) days.
2. Binding Arbitration. If the dispute is not resolved informally, it shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in [CITY, STATE] or, at the AAA's discretion, by video conference. The decision of the arbitrator shall be final and binding on both parties.
3. Class Action Waiver. You agree that any dispute resolution proceeding shall be conducted on an individual basis only. You waive any right to participate as a representative or member of any class of claimants in any class action, collective action, consolidated action, or representative proceeding.
4. Exceptions. Either party may bring an individual action in small claims court for disputes within its jurisdiction. Either party may also seek injunctive or other equitable relief in court to protect intellectual property rights.

18Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice (such as a notice on the Site or an email to enrolled students). Continued use of the Site or Program after the effective date of any change constitutes your acceptance of the revised Terms.

If you do not agree to a revised version of these Terms, your only recourse is to stop using the Site and Program. Refunds, if any, will be governed by your enrollment agreement and Section 8 of these Terms.

19Contact

If you have questions about these Terms or our services, please contact us:

Scale With Credit Academy
Email: legal@scalewithcredit.com
Support: support@scalewithcredit.com
Website: scalewithcredit.com

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