1.1 Overview
1. INTRODUCTION & ACCEPTANCE
These Terms and Conditions (“Terms,” “Agreement”) govern your access to and use of Lagos Holdings, LLC (“Company,” “we,” “us,” or “our”) via our website at [Website URL] (the “Site”), as well as any related products, services, courses, or memberships (collectively, the “Products” or “Services”).
1.2 Binding Agreement
By purchasing, accessing, or using our Products, you (“User,” “Client,” or “You”) acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must not purchase or use our Products.
2. ELIGIBILITY
2.1 Age Requirement
You must be at least 18 years old (or the legal age of majority in your jurisdiction) to purchase or use our Products. By purchasing, you represent that you meet this age requirement
2.2 Permitted Use
You agree to use the Products only for lawful purposes and in compliance with any local, state, national, or international laws or regulations.
3. DESCRIPTION OF PRODUCTS & SERVICES
3.1 Digital Products & Services
Our offerings may include online courses, e-books, downloadable materials, subscription memberships, consulting sessions, or similar digital items.
3.2 Access & Accounts
You may be required to create a user account. You agree to provide accurate information and to keep it updated.
You are responsible for all activities that occur under your account credentials.
3.3 License to Use
Purchasing a Product grants you a non-exclusive, non-transferable, revocable license to access and use the Product for personal or internal business use only, subject to these Terms.
4. FEES & PAYMENT TERMS
4.1 Pricing & Changes
All fees are as listed on our Site or sales page at the time of purchase. We reserve the right to modify pricing at any time. Any changes will be posted or communicated before taking effect.
4.2 Payment Plans
If offered:
You agree to keep your payment information valid for recurring charges.
We reserve the right to suspend your access if a payment is declined or missed.
5. METHODS OF PAYMENT
5.1 Purchase Price & Payment Methods
You agree to pay the purchase price for the Product as indicated on the checkout page. Payment may be made by credit card, debit card, or any other payment method indicated at checkout.
5.2 Authorization
By purchasing the Product, you authorize Lagos Holdings, LLC to charge the payment method provided for the total amount of the purchase. If you are on a payment plan, you authorize recurring charges according to the schedule presented at checkout.
5.3 Late or Failed Payments
If a payment fails, you will have a grace period (as specified at checkout) to update your payment information. If payment is not made within that grace period, we reserve the right to terminate your access to the Product or seek further legal recourse.
6. REFUND POLICY
6.1 30-Day Money-Back Guarantee
We stand behind the quality of our digital Product. If you are not fully satisfied within the first 30 days from the date of purchase, you may request a full refund of the amount paid for the Product.
Refunds will only be issued for requests received on or before the 30th day from the purchase date.
6.2 No Refunds After 30 Days
No refunds (full, partial, or otherwise) will be granted under any circumstance after the 30-day refund window has expired. By purchasing the Product, you acknowledge and agree that all sales are final beyond the 30-day mark.
6.3 Refund Exceptions
We may deny a refund if we determine these Terms have been violated.
Special offers or promotions may be non-refundable, as indicated at the point of sale.
7. CHARGEBACKS & DISPUTES
In the event a chargeback or payment dispute is initiated by you after the 30-day window, this will be considered a breach of this Agreement, and we reserve the right to pursue all available legal remedies.
Any costs, fees, or expenses we incur as a result of unauthorized chargebacks will be charged back to you in accordance with this Agreement.
8. NO TRANSFER OF INTELLECTUAL PROPERTY
8.1 Ownership
All content within our Products (videos, text, graphics, downloads, etc.) is owned by or licensed to Lagos Holdings, LLC and is protected by intellectual property laws.
8.2 Restrictions
You receive a limited, non-transferable, revocable license for personal, non-commercial use.
You may not copy, resell, reproduce, distribute, or create derivative works without prior written consent from Lagos Holdings, LLC.
8.3 Enforcement
Violation may result in immediate termination of your access, and we may seek legal remedies to protect our rights.
9. CLIENT RESPONSIBILITY
9.1 Use of Information
Our Products and any information provided are for educational and informational purposes. Your results depend on various factors, and you are fully responsible for applying what you learn.
9.2 Professional Advice
We are not attorneys, accountants, or financial advisors. Any references to legal or financial matters are for illustrative purposes only. Always consult a qualified professional for specific guidance.
9.3 Compliance & Conduct
You must comply with all applicable laws, regulations, and Lagos Holdings, LLC policies. You must not engage in unlawful or harmful activities that disrupt our Services or other users’ experience.
10. CONFIDENTIALITY
10.1 Definition
“Confidential Information” includes proprietary or non-public information disclosed during the Program, including materials shared by Lagos Holdings, LLC or other participants in private forums or coaching sessions.
10.2 Obligations
You agree not to disclose or share Confidential Information without written permission. This obligation remains in effect even after your participation ends.
10.3 Exceptions
Confidential Information does not include information:
Already in your lawful possession before disclosure,
Publicly known through no fault of your own,
Lawfully obtained from a third party not bound by confidentiality.
11. NO GUARANTEES; EARNINGS DISCLAIMER
11.1 No Results Guarantee
We make no representations or guarantees regarding any specific results or outcomes from your use of the Product. Your results depend on many factors, including but not limited to your level of effort, personal skills, financial situation, and market conditions.
11.2 Earnings Disclaimer
Any financial or earnings examples referenced by us are illustrative of potential outcomes and do not guarantee you will achieve the same results. You agree that you are solely responsible for your own progress and results.
12. LIMITATION OF LIABILITY
12.1 Use at Your Own Risk
Client agrees to use Lagos Holdings, LLC’s Services at their own risk, understanding that the Program is strictly educational. By participating, Client accepts all risks, whether foreseeable or unforeseeable.
12.2 Release of Liability
Client releases Lagos Holdings, LLC, its officers, employees, directors, subsidiaries, principals, agents, heirs, successors, assigns, instructors, staff, participants, and related entities (“Releasees”), as well as any venue (if applicable) and its owners, from any and all damages arising out of any claims, actions, or legal demands related to participation in the Program.
12.3 Exclusion of Certain Damages
Lagos Holdings, LLC shall not be liable for any direct, indirect, incidental, special, negligent, consequential, or exemplary damages resulting from the use or misuse of the Company’s Services or enrollment in the Program.
12.4 Maximum Liability
In any event, the maximum liability of Lagos Holdings, LLC (and Releasees) to the Client shall not exceed the total amount actually paid by the Client for the specific Program at issue.
13. TERMINATION
13.1 Termination by Company
We reserve the right to terminate or suspend your access if you violate these Terms or if your conduct is harmful to us or other participants.
13.2 Effect of Termination
Upon termination, your license to use our Products immediately ends. Provisions intended to survive termination (e.g., confidentiality, limitation of liability) will remain in effect.
14. GOVERNING LAW & DISPUTE RESOLUTION
14.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
14.2 Arbitration
Any unresolved dispute shall be submitted to binding arbitration in the United States under [Applicable Rules]. The arbitrator’s decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.
15. MISCELLANEOUS
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15.2 No Waiver
Failure by Lagos Holdings, LLC to enforce any right or provision in these Terms does not constitute a waiver of that right or provision.
15.3 Entire Agreement
These Terms, along with any purchase agreements or additional written policies, constitute the entire agreement between you and Lagos Holdings, LLC.
15.4 Modifications
We may revise these Terms at any time. Material changes will be posted on our Site or otherwise communicated to you. Continuing to use or access our Products after changes become effective constitutes your acceptance of the revised Terms.
15.5 Contact Information
Email: [email protected]
16. ACKNOWLEDGMENT
By purchasing or using our Products, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, you must not access or use our Products.
Copyright © 2025, Lagos Holdings, LLC. All Rights Reserved.