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