Terms of Service

Effective Date: June 12, 2023
Last Updated: August 12, 2026

Welcome to Elite Lifestyle Coaching & Consulting.

These Terms and Conditions (“Terms”) govern your access to and use of elitelifestylecoachingandconsulting.com and any courses, memberships, coaching programs, consulting services, communities, digital products, downloads, educational materials, and other products or services offered by Elite Lifestyle Coaching & Consulting (“Elite Lifestyle,” “we,” “us,” or “our”).

By accessing our website, creating an account, purchasing a product or service, enrolling in a course or program, joining a membership or community, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

1. Eligibility

You must be at least 18 years old or have the legal capacity to enter into a binding agreement to purchase or participate in our products, programs, courses, coaching, consulting, or memberships unless we expressly permit otherwise.

By using our services, you represent that the information you provide is accurate and that you are legally permitted to enter into these Terms.

2. Our Services

Elite Lifestyle Coaching & Consulting may provide services and products including, but not limited to:

• Online courses
• Educational programs
• Coaching programs
• Consulting services
• Financial literacy education
• Personal and professional development resources
• Business education
• Membership programs
• Online communities
• Workshops and webinars
• Digital downloads
• Workbooks and educational materials
• Assessments and quizzes
• Certificates of completion
• Group coaching
• Live and recorded training
• Events and other educational experiences

We reserve the right to modify, update, replace, discontinue, or expand any product, program, course, feature, or service at our discretion.

3. Educational Purposes

Unless expressly stated otherwise in a separate written agreement, information provided through Elite Lifestyle Coaching & Consulting is intended for educational and informational purposes only.

Our courses, coaching, programs, content, and materials should not be considered a substitute for individualized legal, tax, investment, medical, mental-health, or other licensed professional advice.

You are responsible for evaluating information and determining whether it is appropriate for your individual circumstances.

4. No Guarantee of Results

Elite Lifestyle Coaching & Consulting is committed to providing high-quality education, resources, coaching, and support. However, individual results vary.

We do not guarantee that participation in any course, program, membership, coaching relationship, consulting service, or other offering will result in:

• Increased income
• Business growth
• Improved credit
• Financial independence
• Employment or promotion
• Investment returns
• Increased revenue or profitability
• Specific personal-development outcomes
• Specific financial outcomes
• Any other particular result

Your success depends on numerous factors, including your circumstances, decisions, effort, consistency, implementation, skills, resources, market conditions, and other factors outside our control.

Testimonials, examples, case studies, or success stories are illustrative and should not be interpreted as promises or guarantees that you will achieve the same or similar results.

5. Account Registration

Certain areas of our website and learning platform may require you to create an account.

You agree to:

• Provide accurate and current information
• Maintain the confidentiality of your username and password
• Keep your account information updated
• Notify us if you suspect unauthorized account access
• Accept responsibility for activity occurring through your account

Your account is intended for your individual use only unless we expressly authorize otherwise.

You may not share, sell, transfer, loan, or provide your login credentials to another person.

We reserve the right to suspend or terminate accounts where we reasonably believe unauthorized account sharing, misuse, fraud, or other violations have occurred.

6. Course and Program Access

Purchasing or enrolling in a course or program grants you a limited, personal, non-exclusive, non-transferable right to access the materials according to the terms associated with that particular offering.

The length of access may vary by product.

An offering may provide:

• Lifetime access
• Access for a specified period
• Access while a membership remains active
• Access for the duration of a program
• Another access period stated at the time of purchase

“Lifetime access,” when offered, means access for the commercial life of the applicable product or platform while Elite Lifestyle continues to make that product available. It does not guarantee that a course, platform, website, or particular technology will remain available indefinitely.

7. Course Progress, Quizzes, and Certificates

Certain courses may contain lessons, quizzes, assessments, assignments, progress requirements, or other activities.

Certificates may be issued after successful completion of designated requirements.

Unless specifically stated otherwise, certificates issued by Elite Lifestyle Coaching & Consulting are certificates of completion and do not constitute professional licenses, academic degrees, government certifications, or professional credentials.

We reserve the right to establish and modify reasonable completion requirements.

8. Memberships and Subscriptions

Certain services may be offered through recurring memberships or subscriptions.

When purchasing a recurring subscription, you authorize the applicable payment processor to charge your selected payment method according to the billing schedule disclosed at checkout.

Membership benefits may include access to:

• Courses
• Community areas
• Live sessions
• Group coaching
• Resources
• Digital content
• Member-only events
• Other benefits identified in the applicable membership

Membership benefits and features may change periodically.

Cancellation prevents future renewal charges but does not necessarily create a refund for amounts already paid.

Access to membership-only content may end when the applicable paid membership period expires.

9. Payments

Prices for our products and services are displayed at the time of purchase and may change without prior notice.

You agree to provide valid and accurate payment information.

By submitting payment information, you represent that you are authorized to use the selected payment method.

Applicable taxes or fees may be added when required.

10. Payment Plans

Certain products or programs may offer installment or payment-plan options.

A payment plan is a commitment to pay the full purchase price according to the payment schedule presented at checkout unless the applicable offer expressly states otherwise.

Stopping participation in a program does not automatically cancel an outstanding payment obligation.

If a scheduled payment fails, we may:

• Attempt to process the payment again
• Contact you regarding the outstanding amount
• Suspend access to the applicable product or program
• Terminate access where appropriate
• Pursue other lawful remedies

Any specific payment-plan terms presented during enrollment or checkout will also apply.

11. Refunds and Cancellations

Refund eligibility may vary depending on the product or service purchased.

Any refund policy specifically displayed on a sales page, checkout page, enrollment agreement, coaching agreement, or other purchase document will govern that particular purchase.

Because digital products and online course materials may provide immediate access to proprietary information, certain purchases may be non-refundable once access has been granted, where permitted by law.

Unless a different refund policy is expressly provided at the time of purchase, all sales of digital products, downloadable materials, and immediately accessible course content are final to the extent permitted by applicable law.

Nothing in this section limits rights that cannot legally be waived under applicable consumer-protection laws.

12. Coaching and Consulting Services

Coaching and consulting services are designed to provide education, strategy, guidance, accountability, and support.

Coaching is not therapy, medical treatment, legal representation, investment management, or another licensed professional service unless expressly stated in a separate written agreement.

You remain responsible for your decisions, actions, implementation, and results.

Specific coaching or consulting engagements may also be governed by separate agreements. If a separate signed agreement conflicts with these general Terms regarding the specific service covered by that agreement, the applicable signed agreement will control.

13. Financial Education Disclaimer

Elite Lifestyle Coaching & Consulting may provide financial-literacy and business-education content.

Such information is provided for educational purposes and should not be interpreted as personalized investment, securities, legal, tax, accounting, lending, or financial-planning advice unless such services are specifically provided under a separate professional engagement.

Financial decisions involve risk.

You should consult an appropriately qualified professional when individualized advice is required.

14. Business and Credit Education

We may provide education concerning entrepreneurship, business development, business credit, personal credit, funding readiness, financial management, or similar topics.

We do not guarantee:

• Credit approvals
• Loan approvals
• Specific credit limits
• Specific credit scores
• Funding amounts
• Interest rates
• Vendor approvals
• Business profitability
• Approval by any financial institution

Banks, lenders, credit bureaus, vendors, and other third parties make their own independent decisions.

15. Intellectual Property

Unless otherwise stated, the website and materials provided by Elite Lifestyle Coaching & Consulting are owned by or licensed to Elite Lifestyle and are protected by applicable intellectual-property laws.

Protected materials may include:

• Course videos
• Lesson content
• Workbooks
• Worksheets
• Templates
• Frameworks
• Methods
• Training materials
• Presentations
• Graphics
• Logos
• Branding
• Written content
• Audio recordings
• Video recordings
• Downloads
• Assessments
• Quizzes
• Community resources
• Program structures
• Proprietary methodologies

Purchasing a product or enrolling in a program does not transfer ownership of our intellectual property to you.

16. Limited Personal License

When you purchase or receive our educational materials, we grant you a limited, revocable, non-exclusive, non-transferable license to use those materials for your own personal or internal business educational purposes.

Unless you receive written authorization from us, you may not:

• Copy or reproduce our materials for distribution
• Resell our courses or materials
• Upload our content to another platform
• Share course login credentials
• Distribute workbooks or downloads
• Record or redistribute training sessions
• Create competing courses substantially based on our proprietary materials
• Remove copyright, trademark, or ownership notices
• Publish our paid content publicly
• Provide purchased materials to individuals who have not purchased or been granted authorized access

Unauthorized use may result in termination of access and other remedies available under applicable law.

17. Trademarks and Branding

The Elite Lifestyle Coaching & Consulting name, logos, program names, branding, slogans, proprietary frameworks, and other brand identifiers may constitute trademarks or other protected intellectual property.

Nothing contained on our website grants permission to use our trademarks, branding, logos, or proprietary identifiers without prior written authorization.

18. Community Standards

Members participating in our communities, groups, forums, live sessions, or other interactive areas must communicate respectfully.

You may not:

• Harass or threaten other members
• Discriminate against other participants
• Post unlawful or abusive content
• Spam members
• Solicit members for unauthorized commercial purposes
• Share another member’s confidential information
• Impersonate another individual
• Upload malicious software
• Disrupt the community or learning environment
• Share proprietary paid content outside the platform

We reserve the right to remove content or restrict community access when reasonably necessary to protect the community or enforce these Terms.

19. User-Generated Content

If you submit comments, posts, testimonials, feedback, questions, or other content through interactive portions of our platform, you remain responsible for the content you submit.

You represent that you have the right to submit such content and that doing so does not violate another person’s rights.

Private or confidential information should not be posted in public or member-visible community areas.

20. Testimonials

If you voluntarily provide a testimonial, review, success story, or other feedback, we may request permission to use it for promotional or educational purposes.

Where appropriate, additional consent may be obtained regarding use of your name, image, likeness, business name, or other identifying information.

Testimonials represent individual experiences and do not guarantee future results.

21. Live Sessions and Recordings

Certain webinars, workshops, group coaching sessions, community events, or training sessions may be recorded.

When recording is planned, participants may be notified as appropriate.

Recordings may be made available to enrolled participants or members.

You should avoid sharing confidential or highly sensitive personal information during group sessions.

22. Acceptable Use

You agree not to use our website or services to:

• Violate applicable law
• Commit fraud
• Attempt unauthorized access to accounts or systems
• Interfere with website security
• Introduce viruses or malicious code
• Scrape or systematically extract protected content without authorization
• Circumvent access restrictions
• Infringe intellectual-property rights
• Misrepresent your identity
• Engage in abusive or harmful behavior
• Use our materials for unauthorized commercial purposes

23. Suspension and Termination

We reserve the right to suspend, restrict, or terminate access to our website, courses, programs, memberships, communities, or services when we reasonably determine that a user has:

• Violated these Terms
• Failed to make required payments
• Shared account credentials
• Misused proprietary materials
• Engaged in fraud
• Disrupted the learning or community environment
• Threatened or harassed participants or staff
• Engaged in unlawful activity
• Otherwise materially misused our services

Termination resulting from a violation of these Terms does not automatically entitle the user to a refund.

24. Third-Party Services

Our website may integrate with or link to third-party platforms and services for payment processing, video conferencing, email, scheduling, website hosting, learning management, community features, analytics, or other functions.

We do not control third-party platforms and are not responsible for their independent terms, policies, availability, security, or performance.

Your use of third-party services may also be governed by their respective terms and privacy policies.

25. Website Availability

We work to maintain reliable access to our website and services but cannot guarantee uninterrupted availability.

Access may occasionally be interrupted because of:

• Maintenance
• Software updates
• Hosting issues
• Internet outages
• Cybersecurity incidents
• Third-party service failures
• Technical problems
• Events beyond our reasonable control

Temporary interruption does not automatically entitle a user to a refund.

26. Disclaimer of Warranties

To the fullest extent permitted by applicable law, our website, content, courses, programs, and services are provided on an “as is” and “as available” basis.

We make no warranty that our website or services will be uninterrupted, error-free, completely secure, or suitable for every individual’s particular objectives.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

27. Limitation of Liability

To the fullest extent permitted by applicable law, Elite Lifestyle Coaching & Consulting and its owners, officers, employees, contractors, representatives, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of, or inability to use, our website, products, programs, courses, content, or services.

Where liability cannot legally be excluded, our liability will be limited to the extent permitted by applicable law.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

28. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Elite Lifestyle Coaching & Consulting and its owners, officers, employees, contractors, representatives, and affiliates from claims, losses, liabilities, damages, or reasonable expenses arising from your unlawful use of our services, your violation of these Terms, or your infringement of another party’s rights.

29. Privacy

Your use of our website and services is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

By using our services, you acknowledge that you have had an opportunity to review our Privacy Policy.

30. Changes to These Terms

We may update these Terms periodically to reflect changes to our services, business practices, technology, or applicable requirements.

When material changes are made, we may update the Last Updated date above and provide additional notice when appropriate.

Your continued use of our services after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

31. Governing Law

These Terms will be governed by and interpreted according to the laws of the state in which Elite Lifestyle Coaching & Consulting is organized or principally operates, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Any mandatory consumer rights available under applicable law remain unaffected.

32. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

33. Entire Agreement

These Terms, together with our Privacy Policy and any applicable purchase, enrollment, membership, coaching, consulting, or service agreement, constitute the agreement governing your use of the applicable services.

Specific written agreements may contain additional terms.

34. Contact Us

Questions regarding these Terms and Conditions may be directed to:

Elite Lifestyle Coaching & Consulting

Website: elitelifestylecoachingandconsulting.com

Email: in**@*********************************ng.com

© 2026 Elite Lifestyle Coaching & Consulting. All Rights Reserved.

Privacy Policy

                                                           Privacy Policy

Effective Date: June 12, 2023
Last Updated: August 12, 2026

Elite Lifestyle Coaching & Consulting (“Elite Lifestyle,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when you visit our website, purchase our products or services, enroll in our courses or programs, participate in our community, or otherwise interact with us.

This Privacy Policy explains what information we may collect, how we use and protect that information, and the choices you may have regarding your personal information.

This Privacy Policy applies to elitelifestylecoachingandconsulting.com and the services, courses, programs, memberships, forms, communications, and other features made available through our website.

1. Information We Collect

We may collect information that you voluntarily provide to us, including:

• • Name

• • Email address

• • Telephone number

• • Billing information

• • Mailing address

• • Account username and profile information

• • Course enrollment information

• • Coaching or consultation information

• • Form and questionnaire responses

• • Community profile information and activity

• • Communications you send to us

• • Information submitted when registering for an event, program, membership, course, or service

• • Marketing and communication preferences

When you make a purchase, payment information may be collected and processed by our third-party payment processors. We generally do not directly store complete credit or debit card information.

2. Information Collected Automatically

When you access our website, certain information may be collected automatically, including:

• • IP address

• • Browser type

• • Device type

• • Operating system

• • Pages visited

• • Referring website or source

• • Approximate geographic location based on IP address

• • Date and time of visits

• • Website interactions

• • Cookie and similar technology information

We may use this information to operate our website, understand how visitors use our services, improve user experience, maintain security, and measure website and marketing performance.

3. How We Use Your Information

We may use the information we collect to:

• • Create and manage your account

• • Process purchases and registrations

• • Provide courses, memberships, coaching, consulting, and other services

• • Manage course enrollment and progress

• • Provide access to protected or members-only content

• • Communicate with you regarding your account, purchases, courses, appointments, or services

• • Respond to questions and customer-service requests

• • Send administrative and transactional emails

• • Send newsletters, educational content, promotions, or marketing communications when permitted

• • Personalize your experience

• • Improve our website, courses, programs, products, and services

• • Conduct analytics and measure performance

• • Prevent fraud, misuse, or unauthorized access

• • Maintain the security and integrity of our website

• • Comply with legal, regulatory, accounting, and tax obligations

• • Enforce our agreements, policies, and terms

4. Courses, Memberships, and Learning Platform

Our website may provide online courses, memberships, educational programs, quizzes, assessments, certificates, progress tracking, community features, and other learning resources.

When you participate in these services, we may collect and maintain information concerning your:

• • Course enrollment

• • Course progress

• • Lesson completion

• • Quiz or assessment results

• • Certificates

• • Membership status

• • Program participation

• • Account activity

This information may be used to provide and administer your learning experience, monitor program participation, provide support, and improve our educational offerings.

5. Community Features

If our website provides community features, forums, groups, profiles, comments, or other interactive areas, information you choose to post may be visible to other members.

Please use discretion when sharing personal information within community areas.

We are not responsible for information that you voluntarily make available to other users through public or member-visible areas of our platform.

6. Email Communications and Marketing

If you subscribe to our newsletter, register for a program, download a resource, create an account, or otherwise consent to receive communications, we may send you educational, promotional, and marketing emails.

You may unsubscribe from marketing communications at any time by using the unsubscribe link included in applicable emails.

Unsubscribing from marketing communications may not prevent us from sending necessary transactional or administrative communications related to your purchases, account, courses, appointments, or services.

7. SMS and Text Messaging

If you voluntarily provide your mobile telephone number and consent to receive text messages, we may use your number to send communications related to appointments, programs, services, account activity, or marketing where permitted.

Consent to receive marketing text messages is not a condition of purchasing our products or services.

Message and data rates may apply depending on your mobile carrier and plan.

You may opt out of applicable text-message communications by following the opt-out instructions provided in the messages.

We do not sell your mobile telephone number to third parties for their independent marketing purposes.

8. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• • Keep users signed in

• • Remember preferences

• • Maintain website functionality

• • Understand website traffic

• • Analyze visitor behavior

• • Improve website performance

• • Measure marketing effectiveness

• • Provide relevant content

Some cookies may be necessary for the website to function properly, while others may be used for analytics or marketing.

Your browser may allow you to block or delete cookies. Disabling certain cookies may affect website functionality.

9. Payment Processing

Payments for our courses, memberships, programs, coaching services, consulting services, digital products, or other offerings may be processed through third-party payment processors.

Payment processors may collect information necessary to complete transactions according to their own privacy policies and security practices.

Elite Lifestyle Coaching & Consulting generally does not store complete payment-card information on its own servers.

10. Third-Party Service Providers

We may use third-party companies and technology providers to operate our business and website.

These providers may assist with services such as:

• • Website hosting

• • Learning management

• • Membership management

• • Customer relationship management

• • Email delivery

• • Forms

• • Appointment scheduling

• • Payment processing

• • Website analytics

• • Security

• • Marketing

• • Automation

• • Video conferencing

• • Community functionality

• • Customer support

These providers may process personal information on our behalf as necessary to perform their services.

We encourage you to review the privacy policies of third-party services you interact with.

11. How We Share Information

We may share personal information with service providers and business partners when reasonably necessary to operate our business and provide requested services.

We may also disclose information when required to:

• • Comply with applicable laws or legal processes

• • Respond to lawful requests from governmental authorities

• • Protect our legal rights

• • Protect the safety or security of our users, business, or website

• • Investigate suspected fraud, abuse, or security incidents

• • Enforce our agreements and policies

We may also transfer information as part of a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction.

We do not sell personal information simply for monetary compensation.

12. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, loss, or misuse.

However, no website, database, internet transmission, or electronic storage system can be guaranteed to be completely secure.

You are responsible for protecting your account credentials and should notify us promptly if you believe your account has been compromised.

13. Data Retention

We may retain personal information for as long as reasonably necessary to:

• • Provide our services

• • Maintain your account

• • Fulfill the purposes described in this Privacy Policy

• • Maintain business and transaction records

• • Resolve disputes

• • Enforce agreements

• • Meet legal, accounting, regulatory, or tax requirements

Retention periods may vary depending on the type of information and the reason it was collected.

14. Your Privacy Choices and Rights

Depending on where you live and applicable law, you may have certain rights concerning your personal information.

These may include the right to request:

• • Access to certain personal information we maintain about you

• • Correction of inaccurate information

• • Deletion of certain personal information

• • Information about how your data is used

• • Withdrawal of certain consent

• • Opt-out from certain marketing communications

Some rights may be subject to legal exceptions or verification requirements.

To submit a privacy request, contact us using the information provided below.

15. Children’s Privacy

Our website, courses, programs, and services are generally intended for adults and are not directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13 without appropriate authorization.

If we become aware that personal information from a child under 13 has been collected in circumstances prohibited by applicable law, we will take reasonable steps to delete it.

16. External Links

Our website may contain links to third-party websites, applications, platforms, or services.

We are not responsible for the privacy practices, security, availability, or content of third-party websites or services.

We encourage you to review the privacy policies of any third-party website you visit.

17. Social Media

We may maintain profiles on social-media platforms and provide links to those platforms through our website.

Your interactions with social-media platforms are governed by the privacy policies and terms of those companies.

Information you choose to share publicly through social media may be visible to others.

18. Financial and Educational Information

Information, courses, coaching, resources, and materials provided by Elite Lifestyle Coaching & Consulting are intended for educational and informational purposes unless expressly stated otherwise in a separate written agreement.

Our collection of information in connection with educational or coaching services does not create an attorney-client, investment-adviser, financial-planner, or other professional relationship that has not otherwise been expressly established.

19. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our business, website, services, technology, or legal requirements.

When changes are made, we may update the Last Updated date displayed at the beginning of this policy.

We encourage you to review this Privacy Policy periodically.

20. Contact Us

If you have questions about this Privacy Policy or would like to submit a privacy-related request, please contact:

Elite Lifestyle Coaching & Consulting

Website: elitelifestylecoachingandconsulting.com

Email: in**@*********************************ng.com

© 2026 Elite Lifestyle Coaching & Consulting. All Rights Reserved.