Terms of Service

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract under applicable law to use the Services. By using the Services, you represent that you meet these requirements and that any information you provide is accurate and complete. The Services are intended for business owners, operators, and entrepreneurs, and they may not be available in every country.

2. Accounts and security

You may need to create an account to access certain parts of the Services. You agree to:

• Provide accurate, current, and complete information when you register.
• Keep your login credentials confidential and not share them with anyone else.
• Be responsible for all activity that occurs under your account.
• Notify us promptly at support@lawmox.com if you suspect unauthorized access.

We may suspend or terminate accounts that we reasonably believe are being used in violation of these Terms or applicable law, or that are shared across multiple individuals or businesses without our written authorization.

3. Purchases, pricing, and taxes

All prices are stated in U.S. dollars unless otherwise noted and are exclusive of any taxes, duties, or processing fees imposed by your jurisdiction or payment provider. You are responsible for any such taxes and fees. We may change pricing at any time, but changes will not affect orders already placed.

By submitting payment information, you represent that you are authorized to use the payment method and you authorize us (and our payment processors) to charge the full amount of your order. If a payment is declined, reversed, or charged back, we may suspend or terminate your access to the Services until the matter is resolved.

4. Subscriptions, billing, and cancellation

If you purchase a subscription (for example, the monthly plan), your subscription will automatically renew at the then-current renewal price at the end of each billing cycle unless you cancel before the renewal date. You can cancel at any time from your account dashboard or by emailing support@lawmox.com. Cancellation takes effect at the end of the current billing cycle; you will retain access until that date.

If you purchase lifetime access, your access is granted for the operational life of the Services. We are not obligated to maintain the Services indefinitely, but we will provide reasonable notice if we decide to discontinue them and, where practicable, an option to download content you have purchased.

5. Refunds and money-back guarantee

We offer a 30-day money-back guarantee on first-time purchases of our courses and lifetime memberships. To request a refund, email support@lawmox.com from the address on your order within 30 days of the original purchase date. We may ask for brief feedback about why the product wasn’t a fit.

Unless required by law, the following are not eligible for refund:

• Renewal charges on monthly subscriptions (cancel before the renewal date instead).
• Live coaching calls or events that have already occurred.
• Bundles or bonuses that have been redeemed in full.
• Repeat purchases of the same product by the same customer.

Approved refunds are returned to the original payment method within 5–10 business days. Once a refund is issued, your access to the related Services will end.

6. License to use the Services

Subject to your compliance with these Terms and your payment of any applicable fees, Lawmox grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your own internal business and educational purposes during the term of your access.

You may download materials we expressly designate as downloadable (such as PDF worksheets) for your personal use. You may not reproduce, redistribute, publicly display, modify, translate, create derivative works of, sell, rent, or otherwise commercially exploit any portion of the Services without our prior written consent.

7. Community guidelines

The members’ community is a place for respectful discussion and peer learning. By participating, you agree not to:

• Post content that is harassing, threatening, defamatory, discriminatory, sexually explicit, or otherwise objectionable.
• Spam, recruit, or promote competing programs.
• Solicit funds, investments, or sales from other members without our authorization.
• Share login credentials, paid materials, or member contact information outside the community.
• Pretend to be Lawmox staff, a vendor, or another member.

We may remove content and suspend or ban members who violate these guidelines, at our discretion and without refund.

8. User content

You retain ownership of the content you submit to the Services (“User Content”), including community posts, comments, testimonials, and uploaded files. By submitting User Content, you grant Lawmox a worldwide, royalty-free, sublicensable license to host, store, reproduce, modify, display, distribute, and otherwise use the User Content for the purposes of operating, providing, promoting, and improving the Services.

You represent that you own or have the necessary rights to your User Content and that it does not violate these Terms, any law, or any third-party right. We may remove User Content at any time for any reason, including suspected violations of these Terms.

9. Prohibited conduct

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation, including consumer protection, credit, or financial services laws.
• Misrepresent your identity, business, or affiliation with another person or entity, including in any application for credit using techniques discussed in the Services.
• Use the Services to commit fraud, identity theft, or any deceptive practice.
• Resell, redistribute, or use the Services to compete with us or to train any artificial-intelligence or machine-learning system.
• Scrape, crawl, or harvest data from the Services using automated means.
• Reverse engineer, decompile, disassemble, or attempt to derive source code from any software powering the Services, except as expressly permitted by law.
• Interfere with or disrupt the integrity or performance of the Services, including bypassing rate limits, security controls, or access restrictions.
• Upload viruses, malware, or other malicious code.

10. Intellectual property

The Services, including all text, graphics, video, audio, software, course materials, templates, scripts, and the “Business Credit Secrets” and “Lawmox” names and logos, are owned by Lawmox Software Group, Inc. or our licensors and are protected by copyright, trademark, and other intellectual-property laws. Except for the limited license in Section 6, we reserve all rights.

If you believe content on the Services infringes your copyright, please send a notice under the Digital Millennium Copyright Act (DMCA) to support@lawmox.com with the subject line “DMCA Notice,” including the information required by 17 U.S.C. § 512(c)(3). We may terminate the accounts of users who are repeat infringers.

11. Third-party services and links

The Services may include links to or integrations with third-party websites, vendors, lenders, payment processors, or platforms (“Third-Party Services”). Lawmox does not own or control Third-Party Services and is not responsible for their content, accuracy, availability, terms, or privacy practices. Your use of Third-Party Services is at your own risk and is governed by their own terms.

12. Disclaimers — no financial, legal, or tax advice

The Services are provided for general educational and informational purposes only. Lawmox is not a bank, lender, broker, credit-repair organization as defined by the Credit Repair Organizations Act, attorney, CPA, financial advisor, or fiduciary. Nothing in the Services constitutes financial, legal, tax, accounting, or investment advice, and nothing in the Services creates a fiduciary, advisory, or professional relationship between you and Lawmox.

You should consult qualified professionals before making decisions about credit, financing, taxes, or your business structure. You are solely responsible for verifying eligibility requirements, complying with applicable law, and making accurate representations to any vendor, lender, or government agency.

Earnings and results. Any income, funding amount, approval, or other result mentioned on the Site or in the Services is an example, not a guarantee. Individual results depend on many factors including effort, experience, credit history, business viability, market conditions, and luck. Most people who purchase educational products do not achieve the results shown. We do not guarantee that you will obtain any specific amount of business credit or any credit approval at all.

The services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, lawmox disclaims all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the services will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

13. Limitation of liability and indemnification

To the fullest extent permitted by law, lawmox and its officers, directors, employees, contractors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, or opportunity, arising out of or relating to your use of the services, even if advised of the possibility of such damages. Our aggregate liability for any claim arising out of or relating to these terms or the services will not exceed the greater of (a) the amount you paid to lawmox in the twelve months preceding the event giving rise to the claim, or (b) one hundred u.s. dollars ($100). some jurisdictions do not allow these limitations, and they may not apply to you.

You agree to defend, indemnify, and hold harmless Lawmox and its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your use of the Services; (ii) your User Content; (iii) your violation of these Terms or any applicable law; or (iv) your violation of any third-party right, including any intellectual-property or privacy right.

14. Governing law, arbitration, and class waiver

Governing law. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Subject to the arbitration agreement below, the state and federal courts located in New Castle County, Delaware will have exclusive jurisdiction over any dispute not subject to arbitration, and you consent to personal jurisdiction in those courts.

Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by sending a written notice describing the claim to support@lawmox.com. We will try to resolve the dispute within 60 days. If we cannot, either party may pursue arbitration as set out below.

Binding arbitration. Except for the carve-outs below, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted by a single arbitrator in Wilmington, Delaware, or by video conference if both parties agree. Judgment on the arbitrator’s award may be entered in any court of competent jurisdiction.

Class-action waiver. You and Lawmox each agree that any dispute will be resolved only on an individual basis. You waive any right to bring or participate in a class action, class arbitration, or representative action. The arbitrator may not consolidate more than one person’s claims or preside over any class or representative proceeding.

Carve-outs. Either party may bring an individual action in small-claims court for disputes within that court’s jurisdiction, and either party may seek injunctive or other equitable relief in court to protect intellectual-property rights.

30-day opt-out. You may opt out of this arbitration agreement by emailing support@lawmox.com within 30 days of first accepting these Terms with the subject line “Arbitration Opt-Out” and including your full name and the email associated with your account. Opting out will not affect any other part of these Terms.

15. Termination

You may stop using the Services at any time. We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, if continued provision of the Services to you would create legal or operational risk for us, or if we decide to discontinue the Services. Sections that by their nature should survive termination (including Sections 5, 8–14, and 17) will survive.

16. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. For material changes, we will provide additional notice, such as an email or in-product notice. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, your only remedy is to stop using the Services and, if applicable, cancel your subscription.

17. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy and any order confirmations, constitute the entire agreement between you and Lawmox regarding the Services and supersede any prior agreements.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
• No waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
• Force majeure. We will not be liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or utility outages, or governmental action.
• Notices. We may give notices to you by email to the address associated with your account or by posting on the Site. You may give notices to us by email to support@lawmox.com.
• U.S. export and sanctions. You represent that you are not located in, and will not use the Services from, any country or region subject to comprehensive U.S. sanctions, and that you are not listed on any U.S. government list of restricted or prohibited parties.

18. Contact

Questions about these Terms? Reach us at:

© 2026 Lawmox Software Group, Inc. Business Credit Secrets is a brand of Lawmox Software Group, Inc. All Rights Reserved.