TERMS AND CONDITIONS

Effective Date: July 28, 2026
Last Updated: July 28, 2026

Please read these Terms and Conditions ("Terms") carefully. By visiting jimchristopherii.com, creating an account, scheduling a consultation, joining a community or membership, purchasing or accessing a product, or using any service offered by JAC Online Enterprises LLC ("JAC," "we," "us," or "our"), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the applicable website, product, or service.

1. Scope and eligibility

These Terms apply to JAC-operated websites, pages, products, and services, including FORGE and FORGE30 offerings, Imperfect Dads offerings, consultations and coaching, digital products and courses, memberships and communities, website and funnel services, hosting or platform access, and affiliate or educational content. A proposal, order form, checkout page, service agreement, statement of work, or written offer may contain additional terms. If there is a direct conflict, the more specific written agreement controls for that purchase.

You must be at least 18 years old and legally able to enter a binding agreement. If you use a service for a business or organization, you represent that you have authority to bind it.

2. Accounts and communications

You must provide accurate information, safeguard login credentials, and promptly notify us of suspected unauthorized access. You are responsible for activity conducted through your account unless prohibited by law.

Submitting an email form authorizes the email communications described at the point of collection. Marketing email consent may be withdrawn through the unsubscribe link. Consent to receive text messages must be obtained separately where required; agreeing to these Terms alone is not consent to receive marketing texts. Transactional communications needed to deliver a purchase or service may still be sent as permitted by law.

3. Offers, prices, and payment

The scope, price, milestones, deposits, installment schedule, subscription interval, and delivery terms for a purchase will be stated in the applicable offer, checkout page, proposal, invoice, order form, service agreement, or statement of work. Unless stated otherwise, amounts are in U.S. dollars.

You authorize JAC and its payment processors to charge the payment method you provide for amounts that are due, including approved recurring fees, usage charges, taxes, and third-party costs. You must keep payment information current. Access or work may be suspended for overdue amounts. Deposits, milestone payments, and other fees are refundable only as expressly stated in these Terms or the applicable written offer.

You agree to contact [email protected] promptly about a billing concern and allow a reasonable opportunity to investigate before initiating a chargeback. This does not waive any right that cannot lawfully be waived.

4. Digital products, courses, and downloadable materials

Digital products—including courses, templates, spreadsheets, workbooks, downloads, recordings, and other electronically delivered materials—are final and nonrefundable once access or delivery has been provided, unless the applicable offer expressly includes a different written refund policy or guarantee, or a refund is required by law. Dissatisfaction, nonuse, failure to complete the material, or changed personal or business circumstances does not by itself create a right to a refund.

Purchases made through Amazon or another third-party marketplace are governed by that marketplace's purchase and refund rules.

5. Consultations, coaching, and appointments

Unless an applicable offer states otherwise, appointments may be canceled or rescheduled for a refund or credit when notice is received at least 24 hours before the scheduled start time. Cancellations made with less than 24 hours' notice and no-shows are nonrefundable. JAC may waive or modify this rule in its discretion. If JAC cancels an appointment, the customer may reschedule or receive a refund of the amount paid for that appointment.

Coaching and consultation services provide education, perspective, and recommendations. You remain responsible for your decisions, implementation, and results.

6. Website, funnel, and implementation services

The applicable proposal or service agreement will define the project scope, payment schedule, revision process, responsibilities, timeline, approval stages, and deliverables. Estimates and target dates depend on timely client cooperation and are not guaranteed unless expressly stated in writing.

You must provide accurate content, access credentials, approvals, brand assets, and other requested materials on time. You represent that you own or have permission to use everything you provide and that its use will not violate law or third-party rights. Delays in client materials, feedback, approvals, payment, or third-party systems may extend the schedule.

JAC may treat written approval, publication authorization, or continued use of a delivered design as acceptance of the applicable milestone or deliverable, subject to any different acceptance procedure in the service agreement. Work beyond the agreed scope may require a change order or additional fee.

7. Ownership and licenses

You retain ownership of client-specific content, trademarks, domains, customer data, and materials you provide. After all amounts due are paid, you receive the ownership or license rights to final deliverables stated in the applicable agreement. JAC retains ownership of its pre-existing materials, general templates, methods, processes, platform configurations, know-how, and tools, including improvements that are not uniquely identifiable to you.

You grant JAC a limited license to use the materials you provide as reasonably necessary to perform the services. Unless you separately authorize portfolio or testimonial use, this license does not permit JAC to use confidential client information for unrelated promotion.

8. Hosting, platform access, cancellation, and archiving

Recurring website hosting, maintenance, platform, or subaccount services continue until canceled. Unless the applicable agreement states otherwise, no 30-day advance notice is required. Cancellation takes effect at the end of the current paid billing period, and partial billing periods are not prorated or refunded.

After cancellation, JAC will ordinarily pause the applicable HighLevel subaccount and retain the core website and subaccount data under JAC's control for 90 days at no archive charge. During this period the website, workflows, automations, forms, calendars, messaging, and other services may be unavailable. Reactivation during this complimentary 90-day period does not incur JAC's standard reactivation fee, although current service charges, unpaid balances, usage charges, and third-party costs may apply.

Phone numbers, A2P registrations, domains, email services, integrations, licenses, add-ons, usage-based services, and other third-party items may follow shorter retention periods or require continuing payment. JAC does not promise to preserve them unless the applicable written agreement expressly says otherwise and all related charges are paid.

Before the complimentary 90-day period ends, the customer may request continued paid archiving at the then-disclosed archive rate (currently $9 per month). Paid archiving continues until canceled and preserves only the data and assets JAC identifies as included. Reactivation from paid archive is subject to the then-current reactivation fee (currently $99), plus unpaid balances, third-party costs, new service charges, and fees for substantial rebuilding, migration, remediation, or reconfiguration.

If paid archiving is not requested or archive fees are not paid, JAC may permanently delete the subaccount and associated data after the retention period. Deletion may be irreversible. Customers should export any data or materials they wish to retain before cancellation or expiration. JAC may delete data sooner when requested by the customer, required by law, necessary for security, or permitted by the applicable agreement.

9. Third-party platforms and services

JAC services may depend on HighLevel, Stripe, domain registrars, email and telephone providers, artificial-intelligence providers, social networks, marketplaces, plugins, and other third parties. Those services are governed by their own terms, privacy practices, prices, availability, and technical limits. JAC is not responsible for a third party's outage, change, suspension, data loss, policy, or decision, although JAC will provide commercially reasonable assistance within the agreed scope.

Unless expressly included in writing, third-party fees, usage charges, taxes, renewals, licenses, ad spend, phone and messaging charges, domain fees, and marketplace purchases are the customer's responsibility and may change without notice from JAC.

10. Acceptable use and communities

You may not use JAC websites, communities, accounts, or services to violate law or third-party rights; transmit malware or harmful code; interfere with security or operations; scrape, copy, resell, sublicense, or share restricted content or account access; impersonate another person; send unlawful or unsolicited communications; harass others; or publish unlawful, deceptive, infringing, or abusive material.

Community participants must respect the privacy and intellectual property of others. JAC cannot guarantee that another participant will keep shared information confidential, so do not disclose information you cannot safely share. JAC may moderate or remove content and suspend or terminate access when reasonably necessary to protect participants, the service, or JAC.

11. Intellectual property

Except for client-owned materials and rights expressly granted in writing, JAC and its licensors own the websites, courses, text, graphics, videos, downloads, templates, trademarks, and other content provided through the services. JAC grants you a limited, revocable, nonexclusive, nontransferable license to use purchased materials for your own personal or internal business use. You may not reproduce, distribute, publicly display, sell, sublicense, share access to, create competing products from, or commercially exploit them without written permission.

12. User content, testimonials, and recordings

You retain ownership of content you voluntarily submit. You grant JAC a nonexclusive license to host, process, display, and use it as necessary to operate the applicable service. Public posts may be visible to others.

JAC will provide notice and obtain consent before recording a call when consent is required. Recordings may be used to provide the service, maintain records, create participant replays, or for another purpose disclosed when consent is obtained. JAC will not use your name, image, testimonial, or identifiable results in marketing without authorization. Any testimonial reflects an individual experience and is not a promise of typical or future results.

13. Artificial-intelligence-assisted tools

JAC may use artificial-intelligence-assisted tools in research, drafting, design, analysis, automation, customer support, or service delivery. AI output can be incomplete or inaccurate and may require human review. JAC remains responsible for delivering the agreed service, but you remain responsible for reviewing and approving business decisions, published content, legal claims, financial information, and other consequential uses. Do not provide sensitive or regulated information unless JAC has confirmed an appropriate method for handling it.

14. Affiliate links and separate businesses

Some content may include affiliate or referral links. JAC may earn compensation if you purchase through those links, at no additional cost to you unless disclosed otherwise. Recommendations are based on JAC's judgment, but you should independently evaluate whether a product or service is appropriate.

Cohort Solutions LLC, The Cohort IV, and other businesses or organizations referenced, promoted, served, or linked by JAC are separate entities unless expressly identified otherwise. A promotional, referral, service-provider, ownership, or collaborative relationship does not make another business a JAC affiliate, subsidiary, partner, agent, or joint venturer.

15. Educational information; no guaranteed results

Content and services are provided for educational and informational purposes and are not legal, tax, investment, medical, mental-health, or other regulated professional advice. Although James A. Christopher II is a certified public accountant, JAC coaching, courses, website services, and general content do not create a CPA-client, attorney-client, fiduciary, or similar professional relationship unless a separate written engagement expressly establishes one.

Business, marketing, income, audience, website, and personal-development outcomes depend on many factors outside JAC's control. JAC does not guarantee earnings, sales, leads, rankings, traffic, conversions, employment changes, business formation, financing, or any other result.

16. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITES, CONTENT, COMMUNITIES, AND DIGITAL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE." JAC DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. JAC DOES NOT WARRANT THAT ANY SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR COMPATIBLE WITH EVERY DEVICE OR THIRD-PARTY PLATFORM. Nothing in these Terms excludes a warranty or consumer right that cannot lawfully be excluded.

17. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JAC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES; OR LOSSES CAUSED BY THIRD-PARTY SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, JAC'S TOTAL LIABILITY ARISING FROM A CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID JAC FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS BEFORE THE EVENT. This limitation does not apply where liability cannot lawfully be limited.

18. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless JAC and its owners, officers, employees, contractors, and agents from third-party claims, damages, liabilities, and reasonable costs arising from materials you provide, your unlawful or unauthorized use of a service, your violation of these Terms, or your infringement of another person's rights. JAC may control the defense of a covered claim, and you agree to cooperate reasonably.

19. Suspension, termination, and force majeure

JAC may suspend or terminate access for nonpayment, misuse, security risk, unlawful conduct, material breach, or conduct that threatens JAC, a third party, or the service. Where practical, JAC will provide notice and a reasonable opportunity to cure. Termination does not eliminate amounts already due or provisions that by their nature should survive, including payment, ownership, confidentiality, disclaimers, liability limits, indemnification, and dispute terms.

JAC is not responsible for delay or failure caused by events beyond its reasonable control, including disasters, severe weather, utility or internet failures, labor disputes, government actions, war, terrorism, epidemics, cyberattacks, or third-party platform outages. Performance will resume as reasonably practicable.

20. Disputes, Pennsylvania law, and venue

Before filing a lawsuit, the parties will first attempt in good faith to resolve the dispute informally. The person raising the dispute must send a written description of the issue and requested resolution to [email protected]. The parties will allow at least 30 days for informal resolution unless immediate action is reasonably necessary to prevent irreparable harm, preserve a legal deadline, or address misuse of intellectual property or confidential information.

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any court proceeding that is not resolved informally must be brought in a state or federal court with jurisdiction in or serving Butler County, Pennsylvania, and each party consents to that venue. Nothing in this section prevents either party from using an eligible small-claims procedure or exercising a right that cannot lawfully be waived.

21. Changes to these Terms

JAC may update these Terms prospectively to reflect changes in services, operations, law, or risk. The effective date will be updated when material changes are posted. When reasonably required, JAC will provide additional notice. Changes do not retroactively alter a signed service agreement or accrued payment obligation unless the parties agree in writing or law requires otherwise. Continued use after updated Terms take effect constitutes acceptance to the extent permitted by law.

22. General provisions

If a provision is unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will remain effective. Failure to enforce a provision is not a waiver. You may not assign these Terms without JAC's written consent; JAC may assign them in connection with a merger, sale, reorganization, or transfer of the applicable business or assets. Headings are for convenience only.

These Terms, the Privacy Policy, and the applicable offer, proposal, checkout page, order form, service agreement, or statement of work constitute the entire agreement concerning the applicable purchase or use and supersede prior discussions on that subject. Electronic acceptance and signatures are effective to the extent permitted by law.

23. Contact

Questions, billing concerns, cancellation notices, and dispute notices may be sent to:

JAC Online Enterprises LLC
Email: [email protected]
Website: jimchristopherii.com