Terms of Service & Policy Agreement
By accessing our website or purchasing any Product (as defined below) from Melanin Money (“Company”), you agree to comply and be bound by the following terms and conditions (“Terms”), including any additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users, visitors, and others who access the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content (“User”, “You”).
This Terms of Service & Policy Agreement (this “Agreement”) is made effective by and between Melanin Money, and User when You, i) access or browse our website, ii) purchase a digital product (“Product”), or iv) engage with any service or feature offered by the Company.
1. General Conditions
Company reserves the right to refuse any service to any User at its sole discretion, for any reason, at any time.
You acknowledge, and agree that your personal information (excluding credit card details), may be transferred unencrypted across various networks, and may be modified to comply with technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. Customer understands that all receipts, transactions, and invoices are sent from Company will show up as the registered company name, Acheampong Enterprises LLC, not Melanin Money.
2. Digital Product Usage
Upon successful purchase, Users (“Customer”), will be granted access to the Product materials via email, forty-eight (48) hours . Customer will have access to the materials so long as the Product(s) is/are available.
The Company grants to each customer a limited non-exclusive, non-sublicensable, non-transferable, license to use the purchased Product solely for internal and/or business purposes. Customer understands and agrees that the Product materials shall not be shared with any third party without the prior written consent. In the event Company suspects that the Product is being shared with another party, Company reserves the right to immediately terminate User’s access to the Product.
Customer agrees not to reproduce, duplicate, copy, sell, resell, distribute, or otherwise exploit any portion of the Product, its content, or any access to the Product, without express written permission by Company.
Customer is strictly prohibited shall from redistributing any part of the Product without proper written authorization by the Company. When sharing any content derived from the Product on social media or in physical advertising, Customer must provide appropriate credit to the Company, which includes tagging, mentioning, or otherwise attributing the Company as the original source.
3. Fees & Payment Processing
In consideration for access to the Product provided by Company, User agrees to pay the fee indicated on the online checkout form.
If a payment method is declined by the payment processor, User must provide an alternative eligible payment method before receiving access to the Product. In the event User has already been given access to the Product and a payment method is declined, Company reserves the right to collect any and all outstanding receivables.
4. Accuracy of Billing and Account Information
Company reserves the right to refuse any order placed with them. Company may, in their sole discretion, limit or cancel quantities purchased per User. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that a change is made to an order or an order is cancelled, Company may attempt to notify Customer by contacting the e-mail and/or billing address/phone number provided at the time the order was made.
Customer agrees to provide current, complete and accurate purchase and account information for all purchases made. Customer agrees to promptly update his/her account and other information, including his/her email address and credit card numbers and expiration dates, so that Company can complete his/her transactions and contact his/her as needed.
5. Subscription Policy
Customer who purchases a subscription based Product will be subjected to the following:
• “Monthly” subscriptions will be charged each month on the same day as the day of the month when subscription was first activated.
• “Annual” subscriptions will be charged each year on the same day and month as the day and month as when subscription was first activated.
• If the charge is scheduled for a day that does not exist in the month being charged (for example the 31st June), then the charge will instead occur on the last day of that month.
6. Refund Policy
All Sales are final. No refunds will be issued for all digital Products unless explicitly stated. Because such digital Products consist of intellectual property and provide immediate access to proprietary information, refunds cannot be granted once the purchase is complete. Due to the nature of digital products being immediately accessible upon purchasing, Products sold by Company are not available for refunds of any kind. It is up to the Company’s discretion to offer Customer a partial refund or full refund on any other digital Products, and such consideration may be provided as long as the request is received within 30 days of purchase. If explicitly stated on a Product disclaimer that it is non-refundable or sale is final, no partial or full refunds will be available and no negotiations will be tolerated.
7. Cancellation & Refund Policy For Subscription Based Products
For subscription based Products, Company must receive a written cancellation request from Customer via email to CustomerService@melaninmoney.com ten (10) days prior to his/her upcoming payment collection date. If Customer fails to provide prior notice, then Customer will be billed for the next cycle of payment for his/her subscription.
Company reserves the right to take 24-48 hours to process cancellation requests, excluding weekends and holidays.
8. SMS Communication & Consent
By providing your contact information and engaging with Melanin Money or its affiliates You acknowledge and agree to the Terms and authorize the Company to contact You via phone, text (SMS/MMS), email, and other electronic means, including automated systems, for marketing and transactional purposes at any time.
You confirm an established business relationship with the Company by initiating contact, requesting services, making a purchase, or otherwise engaging with the Company on its site. As a result, you have provided written consent for certain communications, as allowed by law.
To opt out of marketing messages, reply “STOP” or contact us. Transactional or service-related messages may still be sent, as permitted by law.
9. Personal Information
Customer acknowledges that its personal information will be utilized by Company. By purchasing the Product, Customer will be asked to provide personal information including his/her name, email address, phone number, mailing and billing address. Customer agrees to allow Company access to this personal information for all lawful purposes. Customer is responsible for the accuracy of the identifying information, maintaining the safety and security of his/her identifying information, and updating Company on any changes to his/her identifying information.
The billing information provided to Company by Customer will be kept secure and is subject to the same confidentiality and accuracy requirements as Customer’s identifying information indicated above. Providing false or inaccurate information, or using the Product for fraud or unlawful activity, is grounds for immediate termination from the Product.
10. Customer Images
By uploading an image on any of our forms or adding a profile picture on his/her community profile, Customer is granting Company permission to use his/her name and photo on the Company website and social media pages for marketing purposes. No personal or financial information will ever be shared by Company.
11. Warranties and Liability
Company takes no responsibility whatsoever for the suitability of the Product, and Company provides no warranties as to the function or use of the Product, whether express, implied or statutory, including without limitation any warranties of merchantability or fitness for particular purpose. The website and Products are provided on an “as-is” and “as-available” basis without any warranties. Customer agrees to indemnify Company against all liabilities, claims, demands, expenses, actions, costs, damages, or loss arising out of any claim made to Company in relation to Customer. Company shall not be liable to Customer or any third party for consequential, indirect, special or exemplary damages including but not limited to damages for loss of profits, loss of data, business or anticipated benefits whether arising under tort, contract, negligence or otherwise whether or not foreseen, reasonably foreseeable or advised of the possibility of such damages.
12. Force Majeure
If the performance of this Agreement or any obligations hereunder is prevented, restricted or interfered with by reason of earthquake, fire, flood or other casualty or due to strikes, riot, storms, explosions, acts of God, death of him/herself or a family member, government changes, war, terrorism, or a similar occurrence or condition beyond the reasonable control of the parties, the party so affected shall, upon giving prompt written notice to the other party, be excused from such performance during such prevention, restriction or interference, and any failure or delay resulting therefrom shall not be considered a breach of this Agreement.
13. Guarantees
Company does not make any guarantees as to the results, including financial or other personal gains, of Customer’s use of the Product. Customer agrees to take responsibility for Customer’s own results with regard to using the Product.
14. Release & Reasonable Expectations
Customer has spent a satisfactory amount of time reviewing Company’s business and has a reasonable expectation that Company’s Product will produce different outcomes and results for each Customer. Customer understands and agrees that:
• Every Customer and final result using the Product is different; and
• The Product is intended for a mass audience.
15. Third-Party Links
Our website may include links and materials from third-party websites or services. Third-party links on this site may direct Customer to third-party websites that are not affiliated with us. Company does not endorse, control, or assume responsibility for the content, policies, or accuracy of any site. Company does not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
Company is not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Customer agrees to review carefully the third-party's policies and practices and make sure he/she understands them before he/she engages in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
16. Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, videos, and digital products, is the exclusive property of the Company and is protected under applicable copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any material without the Company’s prior written consent. Unauthorized use of intellectual property may result in legal action.
17. Entire Agreement
This is a binding Agreement that incorporates the entire understanding of the parties, supersedes any other written or oral agreements between the parties, and any modifications must be in writing, signed by both parties, and physically attached to the original agreement.
18. Venue and Jurisdiction
The laws of the State of Texas shall govern this Agreement, excluding its conflict of laws principles. Any resulting arbitration shall take place within Dallas, County. Both parties assume responsibility for their individual costs of legal fees incurred.
19. Mediation and Arbitration
Any and all disputes or disagreements rising between the parties out of this Agreement upon which an amicable understanding cannot be reached, shall be decided first by mediation, and if mediation is unsuccessful, then arbitration in accordance with the procedural rules of the American Arbitration Association. The parties agree to be bound by the decision of the arbitrator(s). The arbitration proceeding shall take place in Dallas, Texas. The cost and expenses of the arbitrators shall be shared equally by the parties. Each party shall be responsible for its own costs and expenses in presenting the dispute for arbitration.
20. Assignment
This Agreement cannot be transferred or assigned to any third party without written consent of the other party.
21. Severability
In the event that any part of this Agreement is found to be invalid or unenforceable, the remainder of this Agreement shall remain valid and enforceable. Any failure by one or both parties to enforce a provision of this Agreement shall not constitute a waiver of any other portion or provision of this agreement.
22. Changes To Agreement Terms
User can review the most current version of the Terms of Service at any time at this page. Company reserves the right, at their sole discretion, to update, change or replace any part of this Agreement by posting updates and changes to our website. It is User’s responsibility to check our website periodically for changes. User’s continued use of or access to Company website or the Product following the posting of any changes constitutes acceptance of those changes. If User does not agree to all the terms and conditions of this Agreement, access to the service will be revoked.
23. Contact
Questions about the Terms and Agreement should be sent to Company at CustomerService@melaninmoney.com
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