PARTIES

In consideration of being permitted to purchase, access, and use the online educational materials, training videos, lessons, resources, and related digital content (collectively, the “Product”), you agree to these Terms of Purchase.

These Terms of Purchase are entered into between you ("Customer", "you", or "your") and NOVA ONLINE SERVICES LLC, a New Mexico Limited Liability Company ("Company", "we", "our", or "us").

The Customer and the Company are collectively referred to as the "Parties".

NOTICE TO COMPANY

All notices, claims, disputes, and communications regarding these Terms must be submitted in writing to:

NOVA ONLINE SERVICES LLC

Email: [email protected]

A notice shall only be deemed effective upon actual receipt by the Company.

DIGITAL PRODUCT DELIVERY

Customer acknowledges and agrees that the Product is delivered electronically.

Access to the Product shall be deemed fully delivered immediately upon the Company granting Customer access to the online learning platform, member area, customer portal, course dashboard, or any other system through which the Product is made available.

Customer further acknowledges that delivery is complete regardless of whether the Customer accesses, watches, completes, or otherwise uses the Product after access has been granted.

Proof of delivery may include, without limitation:

• Account creation records

• Login records

• Platform access records

• IP address logs

• Email delivery confirmations

• Course activity records

• User session records

• Any other electronic records maintained by the Company

Such records shall constitute conclusive evidence that access to the Product was provided.

REFUND POLICY

Customer acknowledges and agrees that the Product consists exclusively of digital educational content delivered electronically and made available immediately after purchase.

Due to the nature of digital products and the immediate provision of access, all sales are final.

All payments are non-refundable.

By completing the purchase, Customer expressly requests and consents to immediate access to the Product and acknowledges that such access begins immediately after purchase.

Customer further acknowledges that access to the Product constitutes full performance by the Company.

No refunds, credits, exchanges, cancellations, chargebacks, or payment reversals shall be available based upon:

• Change of mind

• Lack of usage

• Failure to complete the Product

• Dissatisfaction with results

• Failure to achieve expected outcomes

• Personal circumstances

• Financial circumstances

• Lack of time

• Failure to attend or view the content

The Company reserves the sole and absolute discretion to issue a refund in exceptional circumstances, but shall have no obligation to do so.

CHARGEBACKS AND PAYMENT DISPUTES

Customer agrees not to initiate any chargeback, payment reversal, unauthorized transaction claim, bank dispute, credit card dispute, or similar payment dispute after receiving access to the Product.

In the event of a payment dispute, the Company reserves the right to provide any relevant evidence to the payment processor, bank, credit card issuer, dispute resolution provider, or legal authority.

Such evidence may include:

• Proof of purchase

• Acceptance of these Terms

• Login records

• Access logs

• IP addresses

• Email correspondence

• Platform activity

• Course progress data

• User account records

• Any other electronic records demonstrating access to the Product

Customer acknowledges that these records shall constitute evidence that the Product was delivered and made available as agreed.

NO EMPLOYMENT GUARANTEE

The Product is educational in nature only.

The Company does not guarantee employment, job placement, interviews, clients, contracts, commissions, business opportunities, income, earnings, sales, or any other financial outcome.

Customer acknowledges that success depends on numerous factors beyond the Company's control.

EARNINGS DISCLAIMER

The Company makes no representations, warranties, or guarantees regarding future income, earnings, financial results, employment opportunities, client acquisition, commissions, or business success.

Any testimonials, case studies, examples, success stories, statements, or earnings figures presented in connection with the Product are provided solely for illustrative and informational purposes.

Such examples do not represent typical or average results.

Individual results will vary and depend upon numerous factors including effort, experience, skill, dedication, market conditions, and personal circumstances.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, the Company's total liability arising out of or relating to the Product, these Terms, or any transaction between the Parties shall not exceed the amount actually paid by the Customer for the Product.

Under no circumstances shall the Company be liable for any indirect, incidental, consequential, punitive, exemplary, special, or similar damages, including but not limited to loss of income, loss of profits, loss of business opportunities, loss of data, loss of goodwill, or business interruption.

GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of New Mexico, without regard to conflict of law principles.

MEDIATION

Before initiating any legal proceeding, the Parties agree to attempt to resolve any dispute through good faith mediation conducted remotely via Zoom or another mutually agreed electronic platform.

The Parties shall share mediation costs equally.

JURISDICTION AND VENUE

If mediation does not resolve the dispute, the Parties agree that exclusive jurisdiction and venue shall lie in the state and federal courts located in the State of New Mexico.

Each Party irrevocably submits to the personal jurisdiction of such courts.

LIMITATION ON TIME TO FILE CLAIMS

Any claim arising out of or relating to the Product or these Terms must be commenced within one (1) year from the date the claim arose.

Any claim filed after such period shall be permanently barred.