VOCAL WALLSTREET® TERMS AND CONDITIONS

PLEASE READ IN ITS ENTIRETY

These terms and conditions govern your participation in all programs, including but not limited to:

  • - Vocal Wallstreet® University Online Community (month to month subscription)

  • - Creative Contractors Online Community (formerly Pay Me Premium Online Community) (month to month subscription)

  • - Innercircle Lifetime Members Community (month to month subscription)

  • - Ultimate DIY “Pitches to Riches” Power Bundle

  • - Vocal Wallstreet® Vocal Health Instructor Certification eCourse (180-day activation)

  • - Any subscription-based programs, digital products, webinars, seminars, live events, or DIY online learning programs operated under Vocal Wallstreet®

By enrolling in any Vocal Wallstreet® program or purchasing our digital products, you agree to the following terms:

1. Refund, Chargeback, and Cancellation Policy

General Policy:

All sales are final. Refunds, chargebacks, cancellations, and transfers are strictly prohibited unless expressly stated otherwise. This applies to all digital products, subscription-based memberships, live or recorded seminars, webinars, challenges, and training courses.

Limited Exceptions for Refunds or Cancellations:

Refund or cancellation requests will only be considered if ALL of the following conditions are met:

  • - Written Request within 48 Hours: The enrollee must submit a written request to both [email protected] and [email protected] within 48 hours of enrollment. Verbal or social media-based requests will not be accepted.

  • - Course Access Limitations: Refunds or cancellations will not be granted if the enrollee:

  • - -Has accessed or completed more than 10% of the course materials.

  • - -For courses longer than 10 hours, the maximum allowable engagement is 45 minutes of total training access time.

  • - Cancellations for Month-to-Month Subscription Programs:

  • - - Cancellation Notice Requirement: While subscribers may cancel at any time, a minimum 7-day notice via email before the next billing cycle is required to process the cancellation. Failure to provide notice within this timeframe will result in the subscription auto-renewing for the next month, and no refund will be issued for that billing cycle.

  • - No Refunds for Partial Months: Cancellations will be effective at the end of the current billing cycle. Vocal Wallstreet® does not provide prorated refunds for cancellations made mid-month. Subscribers will retain access to the program until the end of the current billing period.

  • - Non-Refundable Payments: Payments made for monthly subscriptions are non-refundable. This includes instances where the subscriber fails to access or use the program during the billing cycle.

  • - Reactivation Fee: If a subscriber chooses to cancel and later wishes to reactivate their membership, a reactivation fee of $50 will apply. This fee is non-refundable and will be charged along with the monthly subscription fee.

  • - Account Suspension for Payment Failure: If payment is not received due to declined transactions or insufficient funds, the account will be suspended. Subscribers must resolve the payment issue within 72 hours from payment failure to reactivate access. Failure to do so will result in termination of the subscription, and a reactivation fee will apply if they choose to rejoin.

  • - Chargeback Waiver: Initiating a chargeback without first contacting Vocal Wallstreet® to resolve any issues will result in full account termination. Subscribers agree to forfeit any future access and may be held liable for the full subscription amount, plus a $100 chargeback recovery fee.

Final Determination:

Vocal Wallstreet® reserves the right to deny any refund, chargeback, or cancellation request at its sole discretion, even if the above requirements are met.

2. Non-Transferable Purchases

Enrollments, memberships, and course purchases are personal and non-transferable. You may not assign or transfer your rights or obligations to another individual or entity.

3. Auto-Renewal and Membership Cancellations

Subscriptions are set to auto-renew unless canceled. To avoid charges for the next billing cycle:

Failure to notify within this timeframe will result in automatic renewal, and no refunds will be issued for auto-renewed payments.

4. Discount Code and Promotional Offers

Purchases made with discount codes, promotional offers, or through special pricing campaigns are ineligible for refunds, cancellations, or credits. No exceptions.

5. Expired Courses and Completion Deadlines

All courses that are expected to be completed within a 180-day, or 12-month period, must be completed within the allotted time from the beginning of enrollment to the expected expiration date of the period of time for that particular e-learning program. Expired courses are not eligible for extensions, refunds, or credits.

Extensions:

A 1-month extension may be granted upon request via email, provided the request is made at least 30 days before the course expiration.

6. Chargebacks and Disputes

No Chargebacks or Payment Disputes

Acknowledgment of Payment Responsibility:

By enrolling in the program and making payment, the Client acknowledges full understanding of and agreement to these terms.

Specific Waiver Language:

  • - The Client waives their right to file chargebacks or negative disputes with their credit card issuer, bank, or payment processor.

  • - Any attempt to initiate a chargeback or payment dispute will result in immediate legal action and additional fees, including but not limited to:

  • - - $100 chargeback recovery fee to cover administrative costs.

  • - - Recovery of the original payment amount plus legal and collection costs

Failure to settle disputes may result in legal action and account suspension.

Internal Resolution Requirement:

The Client agrees to resolve any payment disputes directly with the Company. The Company will provide a written acknowledgment of the resolution via email within 10 business days.

7. GOVERNING LAW AND DISPUTE RESOLUTION

The Client agrees to resolve any payment disputes directly with the Company. The Company will provide a written acknowledgment of the resolution via email within 10 business days.

7.1 Governing Law

This Agreement and any disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

  • - Jurisdiction Consent: The Client irrevocably agrees to submit to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida for the resolution of any disputes or claims arising out of this Agreement.

  • - Choice of Law Clause: Any ambiguities or disputes concerning this Agreement will be resolved in accordance with Florida law, which shall govern its interpretation, validity, and enforceability.

7.2 Dispute Resolution Process

Step 1: Mandatory Notification of Dispute.


The Client must notify the Company in writing via email of any dispute, claim, or controversy within 10 business days of the event giving rise to the dispute. Such notification must include:

  • - A detailed description of the dispute.

  • - Any relevant supporting documentation.

  • - Proposed resolution.

Notification shall be sent to [email protected] with a copy to [email protected].

Step 2: Good Faith Negotiations


The parties agree to engage in good faith negotiations to resolve the dispute amicably within 30 calendar days of receiving the notification. Both parties shall cooperate in scheduling and attending at least one virtual or in-person meeting to attempt resolution.

7.3 Mediation and Arbitration

Mandatory Mediation


If the dispute is not resolved through good faith negotiations, the parties agree to submit the matter to mandatory mediation administered by a mutually agreed-upon mediator in Miami-Dade County, Florida.

  • - The costs of mediation shall be shared equally by both parties.

  • - The mediation must take place within 30 days of the failed negotiation period unless both parties agree to an extension.

Binding Arbitration

If mediation fails, the dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

  • - Arbitrator Selection: A single arbitrator with experience in commercial and contract law will be selected in accordance with AAA rules.

  • - Venue and Language: The arbitration shall be conducted in Miami-Dade County, Florida, and the language of the arbitration shall be English.

  • - Costs and Fees: Each party shall bear its own legal fees and costs, except that the prevailing party in arbitration shall be entitled to recover reasonable attorneys’ fees, arbitration costs, and any awarded damages or relief.

  • - Pre-Arbitration Fee Disclosure: Both parties agree to an upfront disclosure of fees associated with arbitration to ensure transparency.

  • - Scope of Arbitrator's Authority: The arbitrator shall have the authority to award monetary damages, injunctive relief, or other equitable remedies but may not modify the terms of this Agreement.

  • - Confidentiality of Arbitration: Arbitration proceedings shall remain confidential

Final and Binding Decision:

The arbitrator’s decision shall be final and binding on both parties and enforceable in any court of competent jurisdiction.

7.4 Waiver of Jury Trial and Class Action

Waiver of Jury Trial:

To the extent permitted by law, the Client and the Company waive their right to a trial by jury in any court action or proceeding related to any dispute under this Agreement.

Waiver of Class Actions:

The Client agrees that any claims or disputes against the Company shall be brought solely in the Client’s individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator shall not consolidate more than one person’s claims or preside over any form of a representative or class proceeding.

7.5 Injunctive Relief

The Company reserves the right to seek injunctive or equitable relief in a court of competent jurisdiction to prevent or address a breach of the Agreement, including but not limited to:

  • - Unauthorized use, reproduction, or distribution of the Company’s proprietary materials.

  • - Violation of confidentiality or non-solicitation provisions.

  • - Any other material breach that may result in irreparable harm to the Company.

7.6 Small Claims Exception

Notwithstanding the above, either party may bring a claim in small claims court in Miami-Dade County, Florida, if the claim qualifies for small claims jurisdiction and does not involve injunctive or equitable relief.

7.7 Statute of Limitations

Any claim or dispute arising out of this Agreement must be filed within one (1) year from the date the claim arose, or it shall be forever barred, regardless of any statute or law to the contrary.

8. Defamation and Public Disparagement

By enrolling, you agree not to defame, slander, or publicly disparage Vocal Wallstreet®, its officers, coaches, employees, or affiliates. This includes:

  • - Posting negative or false reviews.

  • - Making defamatory statements on social media or public forums.

Violation of this clause will result in immediate termination of your enrollment and may lead to legal action, including claims for damages.

9. Intellectual Property Protection

All content, materials, and programs provided by Vocal Wallstreet® are proprietary and protected by copyright, trademark, and intellectual property laws. You may not:

  • - Copy, distribute, or share any course materials or digital products.

  • - Record or reproduce any content without express written consent.

  • - Claim ownership or credit for any Vocal Wallstreet® materials.

Violations will result in legal action to protect our intellectual property rights.

10. Liability and Indemnity

Vocal Wallstreet® is not liable for:

  • - Any technical issues, interruptions, or errors in accessing course materials.

  • - Any personal or professional losses, damages, or injuries incurred from participation in our programs.

By enrolling, you agree to indemnify and hold harmless Vocal Wallstreet®, its affiliates, employees, and representatives from any claims, damages, or liabilities arising from your use of our products and services.

11. Amendments

Vocal Wallstreet® reserves the right to amend these terms and conditions at any time without prior notice. Any updates will be posted on our website and will apply to all current and future enrollments.

By enrolling in any Vocal Wallstreet® program or purchasing our products, you acknowledge and agree to these terms and conditions.

For inquiries, contact us at:

[email protected]

[email protected]

For tech support, contact:

[email protected]

VOCAL WALLSTREET® CODE OF ETHICS AND CONDUCT AGREEMENT

PLEASE READ IN ITS ENTIRETY

By enrolling in any of the following programs: Vocal Wallstreet® University Online Community; Creative Contractors™ Online Community (formerly Pay Me Premium Online Community); Innercircle Lifetime Members Community; Vocal Wallstreet® Vocal Health Instructor Certification eCourse (180-day activation); Ultimate Pitches to Riches Power Bundle,and/or any subscription-based programs, digital products, webinars, seminars, live events, or DIY online learning programs operated under Vocal Wallstreet®, I agree to uphold the following principles and standards to maintain the integrity and security of Vocal Wallstreet® and its community.

1. Enrollment Confirmation

  • - I confirm that I am the individual enrolling in one of the above-listed programs and that the information provided during enrollment is accurate and up-to-date.

  • - I acknowledge that all course materials, resources, videos, downloads, and forums are provided solely for my personal use and benefit as a registered participant.

2. Confidentiality and Intellectual Property Rights

  • - I understand that all course content, including but not limited to modules, reading materials, videos, downloads, and forum discussions, is proprietary intellectual property owned exclusively by Vocal Wallstreet®.

    • - These materials are protected under U.S. copyright laws and international intellectual property laws.

    Strict Prohibition of Unauthorized Sharing:

    • - I agree not to disclose, share, or distribute any course content in any form (written, verbal, digital, or otherwise) to any unauthorized third party, including but not limited to:

    • - - Social media platforms.

    • - - Public forums or websites.

    • - - Private discussions with individuals who are not registered participants.

3. Authorized Use of Course Content

  • - I agree to access and use course content strictly within the confines of my personal enrollment.

  • - Any attempt to share login credentials, download and redistribute course materials, or provide unauthorized access to third parties will result in immediate termination of my enrollment without refund.

4. Reporting Unauthorized Use

  • - I agree to notify Vocal Wallstreet® immediately if I become aware of any unauthorized use, sharing, or distribution of Vocal Wallstreet® content.

    • - I further agree to cooperate fully in any investigations or actions taken by Vocal Wallstreet® to prevent misuse or to recover unauthorized distributed content.

5. Agreement to Terms of Use

  • - I acknowledge that I have read, understood, and agreed to the full Vocal Wallstreet® Terms of Use, which are accessible within the Student Portal under ‘Code of Ethics’.

    • - I understand that failure to comply with this agreement may result in immediate dismissal and legal action.

6. Consequences of Violating the Agreement

Any violation of the ethical standards outlined herein will result in the following:

  • - Immediate termination of access to all Vocal Wallstreet® programs, including community memberships, without refund.

    • - Revocation of credentials or any certificates of completion provided by Vocal Wallstreet®.

    • - Legal Action: Vocal Wallstreet® reserves the right to pursue civil and/or criminal legal remedies to protect its intellectual property and reputation. This includes but is not limited to filing for damages, attorney’s fees, and any related costs.

7. Indefinite Confidentiality Obligation

  • - I understand that my duty to protect the confidentiality of Vocal Wallstreet® materials extends indefinitely, even after the termination or expiration of my enrollment or membership.

  • - This obligation applies as long as the materials remain classified as confidential by Vocal Wallstreet®.

8. Non-Disparagement Clause

  • - I agree not to make any public or private statements, whether written or verbal, that could be considered defamatory, slanderous, or disparaging to Vocal Wallstreet®, its employees, coaches, affiliates, or community members.

    • - Violation of this clause may result in legal action for defamation, including claims for damages.

9. Limitation of Liability

  • - Vocal Wallstreet® is not liable for any personal or professional outcomes resulting from the use of its materials or participation in its programs.

    • - I agree to hold harmless Vocal Wallstreet®, its officers, employees, and affiliates from any claims, damages, or liabilities arising from my participation in its programs.

10. Binding Agreement and Successors

  • - This agreement is binding upon me and my successors, assigns, and representatives.

    • - I agree that the terms of this agreement shall be governed by the laws of the State of Florida.

11. Jurisdiction and Legal Proceedings

  • - Any legal disputes arising from this agreement will be subject to the jurisdiction of the courts in the State of Florida.

    • - I consent to resolve disputes exclusively within this jurisdiction.

Acknowledgment of Agreement

By enrolling in any Vocal Wallstreet® program or accessing its materials, I confirm that I have thoroughly read, understood, and agreed to the terms of this Code of Ethics and Conduct Agreement. I acknowledge the importance of these standards in protecting the integrity, value, and intellectual property of Vocal Wallstreet®.