EFFECTIVE DATE: January 22, 2026

Please read these Terms and Conditions carefully before using our site or purchasing any course. By using the site and/or purchasing any course or service, you agree to be bound by these Terms and Conditions. If you do not agree to all of these Terms, do not use this site or purchase our services.

1. AGREEMENT TO THE TERMS AND REVISIONS

These Terms and Conditions ("Agreement," "Terms") constitute a legally binding agreement made between you ("User," "You") and Teaching Online University ("TOU," "We," or "Us") concerning your access to and use of the website at www.teachingonlineuniversity.com (the "Site"), any associated program portals, and all related digital products, courses, coaching programs, membership access, live events, newsletters, social media content, and other offerings (collectively, the "Services"). Furthermore, the content of the courses, coaching sessions, emails, social media posts, and other communications will be referred to as "TOU Content."

We reserve the right to revise these Terms at any time. All changes are effective immediately when We post them, and your continued use of the Site or Services means you accept and agree to the changes.

2. INTELLECTUAL PROPERTY AND LIMITED LICENSE

A. Ownership of TOU Content All content provided on the Site and within the Programs, including but not limited to text, videos, templates, and methodologies (TOU Content), is the proprietary property of TOU and is protected by copyright and other intellectual property laws.

B. Limited License Grant Upon the purchase and payment of a Program, We grant you a limited, non-exclusive, non-transferable, non-sub-licensable, revocable license to access and use the TOU Content solely for your own personal, non-commercial, educational use.

C. Prohibited Conduct (IP Violation) You expressly agree not to: Share your login credentials, resell or republish the TOU Content, or use the TOU Content to develop or teach a similar course or program.

D. Restrictions on Artificial Intelligence You are strictly prohibited from using any TOU Content, in whole or in part, in connection with any Artificial Intelligence (AI), machine learning, or similar technology. This includes, but is not limited to, uploading any proprietary document into an AI model to train, fine-tune, or populate a competing service. Violation of this Intellectual Property clause is a material breach of this Agreement and will result in immediate termination of your access to the Services without refund.

3. USER-GENERATED CONTENT (UGC) AND COMMUNITY STANDARDS

A. License Granted by You By posting any comments, files, or materials (“User-Generated Content” or “UGC”) in communities provided by TOU, you automatically grant to TOU a perpetual, worldwide, non-exclusive, royalty-free, irrevocable license to use, copy, reproduce, display, and distribute that UGC for any purpose.

B. Community Standards You agree that your UGC will not be illegal, harassing, discriminatory, or spam. You may not present content generated by AI as your own original work or advice within the community without clearly disclosing its AI source. We reserve the right to remove any UGC and terminate your access if you violate these standards.

4. SMS AND ELECTRONIC COMMUNICATIONS

A. Consent to SMS Messaging By providing your mobile phone number and opting in to our messaging services, you provide your express written consent to receive recurring automated promotional and personalized marketing text messages (e.g., SMS and MMS) from Teaching Online University. This includes, but is not limited to, course updates, cart reminders, and promotional offers. Consent is not a condition of any purchase.

B. Messaging Frequency and Charges Message frequency varies. Message and data rates may apply from your mobile carrier. We are not responsible for any delays or failures in the receipt of any mobile messages connected with our Services.

C. Opt-Out and Support You may opt out of SMS communications at any time by replying "STOP" to any message We send. For help, you can reply "HELP" or contact Us at [email protected]. After opting out, you may receive one final text message confirming your request.

D. Privacy Policy Reference All data collected through SMS and electronic communications is governed by our Privacy Policy. We do not share your SMS opt-in consent or mobile data with third parties for their own marketing purposes.

5. PAYMENT, FEES, AND REFUND POLICY

A. Fees And Payment You agree to pay all fees for Programs and Services you purchase. If payment is declined, We reserve the right to immediately suspend or terminate your access.

B. Installment Payments And Default If you choose a payment plan and fail to make an installment payment on time, your access will be immediately terminated, and you will remain liable for any outstanding balance due.

C. Refund Policy Refund policies vary by Program type:

• Digital Programs (Courses & Memberships): All purchases of digital TOU Content are final and non-refundable after 14 days from the date of purchase. Requests for a refund must be made in writing to [email protected].

• Coaching and Time-Based Programs: Due to the time, resources, and individualized energy invested by the coach/instructor, all fees paid for individualized coaching, group coaching sessions, live events, or any other time-based Service are strictly non-refundable.

6. DISCLAIMER OF WARRANTIES

A. "As Is" And No Guarantee The Site and TOU Content are provided on an "AS IS" and "AS AVAILABLE" basis. We make NO WARRANTIES, EXPRESS OR IMPLIED, regarding the results that may be obtained from the use of the Services.

B. Technology And Access Disclaimer We are not responsible for any delay, failure, or interruption of the Services due to technical issues, including downtime or failure of third-party platforms or your own equipment.

7. LIMITATION OF LIABILITY

A. Limitation of Damages To the fullest extent permitted by applicable law, in no event shall TOU, its owners, employees, or affiliates be liable to you or any third party for any indirect, incidental, special, or punitive damages, including lost profit, lost revenue, or loss of data, arising from your use of the Services.

B. Total Liability Cap To the maximum extent permitted by applicable law, our total liability to you for any damages arising out of or related to this Agreement shall be limited to the greater of (A) the fees paid by you for the specific Program giving rise to the claim, or (B) $100.00 USD.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless TOU and its owners, employees, and agents from and against any and all claims, liabilities, damages, and expenses arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

9. GOVERNING LAW AND DISPUTE RESOLUTION

A. Governing Law And Venue This Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee. You hereby consent to the exclusive jurisdiction and venue of the courts located in Gibson County, Tennessee.

B. Binding Arbitration Any controversy or claim arising out of or relating to this Agreement shall be settled by binding arbitration in Medina, Gibson County, Tennessee, in accordance with the rules of the American Arbitration Association (AAA).

C. Waiver of Class Action You and TOU agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

10. MISCELLANEOUS PROVISIONS

A. Severability If any part of these Terms is deemed unlawful, void, or unenforceable, that part shall be severable from these Terms, and the remaining provisions will remain in full force and effect.

B. Entire Agreement This Agreement, along with our Privacy Policy, constitutes the entire agreement between you and TOU regarding the use of the Services, superseding any prior agreements or understandings.

11. CONTACT INFORMATION

If you have any questions regarding these Terms & Conditions, please contact Us at:

Teaching Online University Email:

[email protected]

Mailing Address:

PO Box 555, Medina, TN 38355