GRAHAM AI TERMS OF USE

By checking the box next to this Terms of Use, and clicking the “Purchase” button, you, the purchaser of a subscription to “GRAHAM AI” outlined below (hereinafter “Client”) agree and willingly purchase entry into this product, to be provided with services rendered by Graham Cochrane LLC (hereinafter “Coach”), and you agree you are voluntarily entering into a legally binding Agreement with Coach, including the automatic renewal terms and inclusive of the following terms and conditions mutually agreed upon:

For good and valuable consideration as outlined on the sales page, Client is electing to purchase a monthly subscription to GRAHAM AI (hereinafter “Subscription”) at the current listed price. In exchange, Coach agrees to provide the services outlined below.

1. Subscription Outline:
•  Client agrees and understands that he/she is purchasing a monthly subscription to GRAHAM AI, an AI powered business coaching experience that provides its subscribers with resources and opinions to support them on their journey to growing and loving their business.
2. Payment and Payment Plans
•  Client understands Subscription may be purchased with a monthly payment in advance. Client will be billed an initial down payment of the current monthly subscription rate, and subsequently charged automatically, in accordance with the Auto-Renewal Terms outlined below in paragraph four (4) the monthly rate each month thereafter, unless and until properly canceled by Client. Client understands he/she is responsible for the full payment each month, and agrees to pay the sum requested electronically, via Coach’s website or a designated third party payment processor of Coach’s choosing, in full.
•  Should Client fail to make timely payments, or if additional payments are not able to be processed, Client understands: (1) Client’s access to Subscription may be forfeited if payment is not made within seven (7) days of the date it is due.
•  Coach reserves the right to cancel Client’s access to Subscription should he/she fail to make additional payments in accordance with the Auto-Renewal Terms as outlined below. Should this occur, Client understands she is not entitled to a refund of funds already issued to Coach for access to GRAHAM AI.
3. Auto-Renewal Agreement
   •  HOW TO CANCEL: In order to cancel a subscription, Client must send an e-mail to [email protected] with the subject line GRAHAM AI CANCELLATION, including the Client’s name, email address, and confirmation of request to terminate his or her subscription. Client will be notified upon Coach’s receipt of email, and his or her subscription will subsequently be canceled prior to the following billing period, assuming it is more than 24 hours away.
   •  As outlined above, if Client cancels his or her subscription less than 24 hours before the automatic renewal is scheduled to charge Client’s card, Client acknowledges and agrees he or she will be charged for the next month, and the cancelation will take effect following this. Should this occur, Client will have access to Subscription for the period in which Client paid, with subscription terminating at the end of the last paid period.
•  Client understands and agrees that continued access to Subscription requires recurring monthly payments, based upon the billing cycle established by his/her initial purchase, that will be made by Client on the same day of the month as the date Client was first charged. By purchasing access to Subscription, and agreeing to these Terms of Use, Client agrees he/she will be automatically charged at the end of each billing cycle, via the same card or manner in which the initial payment was made, and gives Coach express permission to automatically charge his/her chosen method of payment. This process will repeat each billing cycle (monthly) unless and until Client properly cancels his or her subscription.
•  CANCELLATION POLICY: If Client wishes to end his/her Subscription, Client must do so no less than 24 hours before the charge is scheduled to withdraw. Any requests for cancellation made less than 24 hours before the automatic renewal is scheduled to charge Client’s card, or made subsequent to the charge, will take effect the following billing cycle, and Client will be charged one remaining month or year.
•  By checking the box on the purchase page confirming agreement to these Terms, Client also confirms he/she is giving unequivocal, clear, affirmative consent to and agreement with these automatic renewal terms, the cancelation policy, and has an understanding of how to cancel before Client’s card is charged for the following billing cycle.
4. Technology
•  Coach is not responsible for any specific technology Client may need in order to adequately view and utilize Subscription. Client’s inability to access Subscription due to a technology issue on Client’s end does not qualify Client for a refund, nor does it alleviate Client of his or her responsibility to make payments, unless or until Client’s subscription is properly canceled in accordance with the cancelation policy in paragraph four (4).
5. Voluntary Participation
•  Client understands and agrees that he/she is voluntarily choosing to enroll in Subscription and is solely responsible for any outcomes or results. While Coach believes in its services and that Subscription is able to help many people, Client acknowledges and agrees that Graham Cochrane, LLC is not responsible nor liable to Client should Client sustain any injuries, experience any changes to his/her mental state, incur harm, or encounter any negative ramifications. Client agrees that he/she is fully responsible for his/her mental and physical health and well-being, including participation in Subscription and any results therein.
6. Disclaimer /No Guarantees
•  Client understands that all services provided by Graham Cochrane, LLC in connection with the Subscription are provided on an “as is” basis, meaning it is without any guarantees, representations, or warranties, including but not limited to warranties relating to quality, non-infringement, fitness for a particular purpose, merchantability, or expectation or course of performance. Client is choosing to purchase access to Subscription and work with Coach on a purely voluntary basis and does not hold Coach responsible should Client become dissatisfied with any portion of the Subscription.
•  Client agrees that he/she does not have a cause of action, legal remedy, and is not entitled to a refund should he/she not achieve the results desired following his/her participation in Subscription or should he/she experience any undesired results.
•  Client also understands Coach is not a doctor, nurse, lawyer, financial adviser, licensed therapist, or otherwise, and agrees to hold Graham Cochrane, LLC harmless should any physical, emotional, or financial injury occur as a direct or indirect result of his/her participation within the Subscription. The content provided by Coach contains information that has worked for Coach and other clients, and may or may not be useful to Client in his/her personal life.
• The information and guidance provided within GRAHAM AI are for educational and informational purposes only. Nothing within the subscription should be considered financial, legal, tax, or business management advice. The subscription is not a substitute for professional consulting, financial planning, or legal counsel.
• GRAHAM AI does not guarantee specific business results or earnings. Any income, revenue, or financial projections referenced within the subscription are illustrative and should not be interpreted as promises or guarantees of future success. Your results will depend on various factors, including effort, experience, market conditions, and business strategies.
• You acknowledge that building and growing a business involves inherent risks, and you are solely responsible for your decisions, actions, and results. If you require financial, legal, or business-specific advice tailored to your situation, you should consult with a qualified professional.

•  By subscribing to GRAHAM AI, you agree that the coach and its representatives are not responsible for your financial decisions, business performance, or any outcomes—whether positive or negative—resulting from your participation in the subscription.Client understands Coach cannot guarantee results from this Subscription, including but not limited to finding and maintaining any relationships, and has no expectation of a specific result that he or she holds Coach responsible for.

Intellectual Property

 Client agrees and understands that Coach has created numerous original, creative works in connection with the Subscription, and agrees that Coach maintains all copyrights and other intellectual property rights in all original or derivative content associated with or included in the Subscription, Client agrees he/she may be granted a limited right to use selected materials in his/her personal life, but understands that the original proprietary rights remain with Coach. Nothing in this Agreement shall constitute a transfer of ownership of any Intellectual Property from Coach to Client, nor grant any license to use the information, other than that which is expressly provided throughout the course of the Subscription.

 Licensee Rights: Coach’s Limited License to Client: As a “Licensee,” Client understands and agrees that Client will not (a) Copy, edit, distribute, duplicate or steal any information or any Content obtained through Subscription without written permission by Coach; (b) Claim any content created by Coach as part of the Subscription or otherwise given to Client is his/her own, meaning he/she cannot claim any content created by Coach was Client’s work, and use in his/her business as his/her own; (c) Share purchased information, content with others who have not purchased them.

Indemnification

 Client, as well as any successors, assigns, next of kin, or other party related to Client agrees at all times to defend, fully indemnify and hold Coach and any affiliates, agents, team members or other party associated with Coach harmless from any causes of action, damages, losses, costs, expenses incurred as a result of Client’s breach of these Terms, Client’s use of Subscription, as well as any third-party claims of any kind (including attorney’s fees) arising from his/her actions as a direct or indirect result of Client’s participation in Subscription. This expressly includes any and all medical or mental health treatment issues, for which Coach will not be liable for.

Dispute Resolution

 Should a dispute arise between Coach and Client, the parties agree to attempt to resolve by good-faith negotiations and discussions. (Client agrees that failure to see results is not a basis for a “dispute” and agrees he or she does not hold Coach responsible for any specific results, or those results which have been achieved by other clients of Coach.) Client agrees he/she will not initiate a “chargeback” with his/her bank as a means of resolving any dispute or refund request from Coach, and expressly agrees and confirms that any charges in connection with Subscription are not fraudulent in any manner.

 If unable to reach a resolution informally, Client and Coach agree that all disputes will be submitted for Arbitration by the American Arbitration Association, to be completed in California within a reasonable amount of time. Client and Coach agree to participate in the arbitration process in good faith and in a manner that will effectively and efficiently resolve the dispute at hand, including the exchange of any materials, documents, or information. The decision made by the arbitrator is to be final and binding on both parties, and is not to be appealed or otherwise set aside. It is to be enforceable in any court of proper jurisdiction as a judgement of law or decree.

Applicable Law

This Agreement shall be governed by and under control of the laws of Florida regardless of conflict of law principles, and regardless of location of Client. Client understands this and agrees that the laws of Florida are to be applicable here.

Amendments

This agreement may be altered, amended, changed, extended, or updated depending on current laws, structure of Subscription, or Coach’s business. Client’s continued use of the Subscription constitutes an agreement to the most updated version of this Agreement.