TERMS OF USE

Effective Date: June 30, 2026

Last Updated: June 30, 2026

1. AGREEMENT TO TERMS

These Terms of Use ("Terms") constitute a legally binding agreement between MJR Dominion LLC d/b/a The Forbes Factor (referred to throughout these Terms as the "Company," "we," "us," or "our") and you, whether personally or on behalf of an entity ("you"), concerning your access to and use of our websites, mobile websites, landing pages, applications, online courses, digital products, coaching programs, memberships, events, webinars, social media pages, and any related media, software, content, functionality, products, or services (collectively, the "Services").

By accessing or using any portion of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.

These Terms apply regardless of how you access the Services, including through desktop computers, mobile devices, tablets, applications, third-party platforms, or social media.

We reserve the right, in our sole discretion, to modify or update these Terms at any time. When material changes are made, we will update the "Last Updated" date above. Your continued use of the Services after revised Terms are posted constitutes your acceptance of those revised Terms.

It is your responsibility to review these Terms periodically.

2. ELIGIBILITY

By using the Services, you represent and warrant that:

• You are at least eighteen (18) years old, or the age of majority in your jurisdiction.

• You possess the legal authority to enter into binding contracts.

• All information you provide is accurate, current, and complete.

• You will promptly update any information that becomes inaccurate.

• You will comply with all applicable federal, state, local, and international laws while using the Services.

• You are not prohibited from using the Services under any applicable laws or regulations.

3. CHILDREN’S PRIVACY AND AGE RESTRICTIONS

The Services are not directed to children under the age of thirteen (13), and we do not knowingly collect personal information from children under thirteen (13). If we become aware that we have collected personal information from a child under thirteen (13), we will take reasonable steps to delete such information as required by applicable law.

4, DESCRIPTION OF SERVICES

The Company provides educational content, business coaching, consulting, digital products, memberships, online courses, live events, media training, marketing resources, speaking programs, downloadable materials, customer support, and related services.

The specific Services offered may change at any time without prior notice.

We reserve the right to:

modify Services;

discontinue Services;

add or remove features;

update pricing;

limit availability;

refuse service where permitted by law.

Nothing contained within these Terms guarantees that any Service will remain available indefinitely.

PAYMENTS, BILLING, AND REFUNDS

Certain Services may require payment. By purchasing any product, program, membership, event, coaching service, digital product, or other paid offering, you agree to provide accurate billing and payment information.

You authorize us and our third-party payment processors to charge the payment method you provide for all authorized purchases, applicable taxes, shipping charges (if any), and any recurring subscription fees that you agree to.

Prices, payment terms, billing schedules, and refund eligibility may vary by product or service and will be disclosed at the time of purchase. Unless otherwise stated in writing, all fees are charged in U.S. dollars.

Refunds, if available, are governed by the refund policy applicable to the specific product or service purchased. Certain digital products, memberships, live events, coaching programs, downloadable materials, and completed services may be non-refundable unless otherwise stated.

We reserve the right to change pricing at any time, but changes will not affect completed purchases unless otherwise disclosed.

PRIVACY POLICY

Your privacy is important to us.

Our Privacy Policy explains how we collect, use, store, disclose, and protect your personal information and is available at: https://www.forbesriley.com/privacy.

By using the Services, you acknowledge that you have reviewed our Privacy Policy and consent to the collection and processing of your information as described therein.

If there is any conflict between these Terms and our Privacy Policy regarding data processing, the Privacy Policy will govern those specific privacy-related issues.

ELECTRONIC COMMUNICATIONS

By visiting our website, submitting forms, registering for Services, purchasing products, or communicating with us electronically, you consent to receive communications from us electronically.

These communications may include:

Email

SMS/Text Messages

Telephone Calls

Automated Notifications

Account Updates

Invoices

Receipts

Customer Support Communications

Legal Notices

You agree that all agreements, notices, disclosures, contracts, invoices, policies, records, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

You also consent to the use of electronic signatures, electronic records, and electronic contracts where permitted by applicable law.

TEXT MESSAGING (SMS) TERMS

If you voluntarily provide your mobile telephone number and expressly opt in to receive SMS communications from us, you agree to receive recurring or non-recurring text messages regarding:

Appointment scheduling

Appointment reminders

Customer support

Service updates

Event reminders

Account notifications

Requested information

Follow-up communications

Marketing and promotional messages (only where you have separately consented to receive such communications).

Message frequency varies based on your interactions with us and the services you request.

Message and data rates may apply according to your wireless carrier's plan.

Consent to receive text messages is not a condition of purchasing any goods or services.

Your decision to opt in to SMS communications is voluntary, and you may withdraw your consent at any time by replying STOP.

You may opt out of receiving SMS messages at any time by replying:

STOP

After opting out, you may receive one final confirmation text confirming your request. No additional SMS messages will be sent unless you opt in again.

Even if you opt out of promotional SMS messages, we may still send transactional or service-related messages regarding purchases, appointments, account activity, security alerts, or customer support where permitted by law.

For assistance, reply:

HELP

or contact us at:

[email protected]

Phone:
(562) 294-1542

Wireless carriers are not liable for delayed or undelivered messages. Supported carriers may change without notice, and message delivery is subject to your wireless provider's network availability.

We do not sell, rent, or share your mobile phone number, SMS consent, or mobile opt-in information with third parties or affiliates for their marketing or promotional purposes.

Our Privacy Policy explains how we collect, use, store, and protect your personal information and is available at:

https://www.forbesriley.com/privacy

By opting in to receive SMS communications, you acknowledge that your information will be handled in accordance with our Privacy Policy, as updated from time to time.

INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, all content available through the Services—including but not limited to:

text

graphics

logos

branding

photographs

videos

audio recordings

podcasts

webinars

online courses

downloadable materials

PDFs

presentations

templates

worksheets

digital products

software

source code

databases

designs

AI-generated content created by or for the Company

proprietary methodologies

trademarks

service marks

(collectively, the "Content") is owned by or licensed to the Company and is protected by United States and international intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Services solely for your personal, non-commercial use unless expressly authorized otherwise.

You may not:

copy

reproduce

republish

sell

sublicense

scrape

download in bulk

reverse engineer

distribute

publicly display

train artificial intelligence models using our Content

use automated tools to harvest our Content

exploit any portion of the Services for commercial purposes

without our prior written consent.

All rights not expressly granted are reserved.

COPYRIGHT COMPLAINTS

If you believe that any content available through the Services infringes your copyright, you may send a written notice to us containing: your name and contact information; a description of the copyrighted work; a description of the allegedly infringing material; the location of the material; a statement that you have a good-faith belief that the use is not authorized; a statement that the information in your notice is accurate; and your physical or electronic signature.

Copyright notices may be sent to: [email protected].

USER REPRESENTATIONS

By using the Services, you represent and warrant that:

All registration information you submit is accurate.

You will maintain the accuracy of your information.

You possess legal capacity.

You agree to comply with these Terms.

You will not access the Services using bots, scrapers, automated software, artificial intelligence agents, or other automated means except where expressly authorized.

You will not attempt to bypass, disable, or interfere with any security features of the Services.

You will not impersonate another individual or entity.

You will not upload malicious software, malware, ransomware, viruses, spyware, or harmful code.

You will not use the Services to commit fraud or engage in deceptive or unlawful conduct.

You will not attempt to gain unauthorized access to any portion of the Services, servers, databases, or networks.

Your use of the Services will not violate any applicable law or regulation.

If any information provided by you is false, misleading, outdated, or incomplete, we reserve the right to suspend or terminate your access to the Services.

PROHIBITED ACTIVITIES

The Services may only be used for their intended purposes. You agree that you will not, directly or indirectly:

Use the Services for any unlawful purpose.

Violate any applicable federal, state, local, or international law or regulation.

Upload or transmit viruses, malware, ransomware, spyware, or any other malicious code.

Attempt to gain unauthorized access to any portion of the Services, our servers, databases, or networks.

Interfere with or disrupt the integrity or performance of the Services.

Circumvent or disable security features of the Services.

Use any robot, scraper, crawler, spider, AI agent, automated script, or similar technology to access, monitor, copy, or harvest content from the Services without our express written permission.

Use our Content or Services to train, develop, or improve any artificial intelligence, machine learning, or large language model without our prior written consent.

Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software used in connection with the Services.

Impersonate another individual or entity or misrepresent your affiliation with any person or organization.

Submit false or misleading information.

Engage in fraudulent, deceptive, abusive, harassing, defamatory, threatening, obscene, or otherwise objectionable conduct.

Send unsolicited advertising, spam, chain letters, or pyramid schemes through the Services.

Infringe upon the intellectual property or privacy rights of any third party.

We reserve the right to investigate suspected violations of these Terms and to take any action we deem appropriate, including suspension or termination of access and referral to law enforcement where applicable.

USER CONTRIBUTIONS

Certain Services may permit you to submit content, including comments, testimonials, reviews, photographs, videos, recordings, questions, feedback, or other materials ("Contributions").

You retain ownership of your Contributions; however, by submitting Contributions, you grant the Company a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable, non-exclusive license to use, reproduce, modify, publish, distribute, display, perform, create derivative works from, and otherwise use your Contributions in connection with the operation, promotion, and improvement of the Services.

You represent and warrant that:

You own or have all necessary rights to your Contributions.

Your Contributions do not infringe the rights of any third party.

Your Contributions are truthful and not misleading.

Your Contributions comply with all applicable laws.

Your Contributions do not contain confidential information belonging to another party.

You have obtained all necessary permissions from any identifiable individuals appearing in photographs, videos, or recordings you submit.

We reserve the right, but not the obligation, to review, remove, edit, or refuse any Contributions at our sole discretion.

FEEDBACK AND SUBMISSIONS

If you voluntarily provide suggestions, ideas, recommendations, comments, or other feedback ("Submissions"), you acknowledge that:

Such Submissions are non-confidential.

We may use them without restriction.

We owe you no compensation.

We acquire no obligation to maintain confidentiality unless otherwise agreed in writing.

You irrevocably assign to the Company all rights necessary for us to use your Submissions for any lawful purpose.

SITE MANAGEMENT

To protect the integrity of the Services, we reserve the right, but have no obligation, to:

Monitor the Services for violations of these Terms.

Remove or disable content that violates these Terms.

Restrict or terminate user accounts.

Investigate suspected fraud or unlawful conduct.

Cooperate with law enforcement or governmental authorities.

Modify or discontinue any portion of the Services at any time.

Our failure to monitor or enforce these Terms does not constitute a waiver of our rights.

THIRD-PARTY SERVICES

The Services may contain links to or integrate with third-party websites, applications, payment processors, social media platforms, analytics providers, communication platforms, or other services.

Examples may include:

Stripe

PayPal

Google

Meta

Facebook

Instagram

YouTube

Zoom

Calendly

Twilio

HighLevel

Vimeo

Kajabi

Shopify

HubSpot

These third-party services are operated independently and are governed by their own terms and privacy policies.

We are not responsible for:

the availability of third-party services;

the accuracy of their content;

their privacy practices;

their security;

their products or services.

Your interactions with third parties are solely between you and the applicable provider.

ARTIFICIAL INTELLIGENCE

Certain portions of our Services may utilize artificial intelligence ("AI") technologies to assist with content generation, recommendations, automation, customer support, educational materials, or other features.

AI-generated content is provided for informational and educational purposes only.

AI outputs:

may contain inaccuracies;

should not be relied upon as legal, financial, tax, medical, or professional advice;

should be independently verified before making important decisions.

The Company makes no warranty regarding the completeness, reliability, or accuracy of AI-generated content. You are solely responsible for reviewing, verifying, and determining the appropriateness of any AI-generated output before relying upon or acting upon it.

EARNINGS AND RESULTS DISCLAIMER

The Company provides educational, coaching, media, marketing, business, and informational resources. We do not guarantee any specific income, revenue, business growth, media exposure, publicity, sales, financial outcome, or other result. Past performance, customer testimonials, or success stories should not be interpreted as a guarantee of future results.

Any examples, case studies, testimonials, success stories, or results shared through the Services are illustrative only and do not guarantee that you will achieve the same or similar results. Your results depend on many factors outside our control, including your background, experience, effort, market conditions, business model, resources, and implementation.

TESTIMONIALS

Testimonials, reviews, endorsements, and user stories appearing through the Services reflect individual experiences and opinions. They are not intended to represent or guarantee that current or future users will achieve the same or similar results.

AFFILIATE DISCLOSURE

Some links, recommendations, promotions, or references through the Services may be affiliate links or paid partnerships. If you purchase through those links, we may receive compensation at no additional cost to you. We only share products or services we believe may be relevant to our audience, but you are responsible for evaluating whether any third-party product or service is appropriate for you.

HEALTH AND WELLNESS DISCLAIMER

Any health, wellness, fitness, beauty, nutrition, lifestyle, or similar information provided through the Services is for informational and educational purposes only and is not medical advice. You should consult a qualified healthcare professional before beginning any fitness, wellness, nutrition, supplement, or lifestyle program.

TERM AND TERMINATION

These Terms remain in effect while you use the Services.

We reserve the right, in our sole discretion and without prior notice, to:

suspend your access;

terminate your account;

restrict access to specific Services;

remove submitted content;

refuse future access

for any reason, including violation of these Terms or applicable law.

Termination does not relieve you of any obligations that arose before termination.

Sections intended by their nature to survive termination—including intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law—shall survive termination.

MODIFICATIONS TO THE SERVICES

We reserve the right to modify, suspend, discontinue, or replace any portion of the Services at any time without liability.

We make no guarantee that any particular feature, product, service, or content will remain available.

From time to time, the Services may be unavailable due to maintenance, upgrades, technical issues, security incidents, or events beyond our reasonable control.

We are not liable for any interruption, delay, or unavailability of the Services.

SECURITY

While we implement commercially reasonable administrative, technical, and physical safeguards to help protect information, no method of electronic transmission or storage is completely secure.

Accordingly, we cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of your passwords and account credentials and for promptly notifying us of any suspected unauthorized use of your account.

ACCESSIBILITY

We strive to make our Services accessible to all users, including individuals with disabilities.

If you experience difficulty accessing any portion of the Services or require assistance, please contact us using the information provided below so we can work to address your concerns.

GOVERNING LAW

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Subject to any applicable arbitration provisions below, you agree that any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Pinellas County, Florida, and you consent to the personal jurisdiction of such courts.

DISPUTE RESOLUTION

Please read this section carefully as it affects your legal rights.

We encourage you to contact us first to resolve any concerns informally before initiating legal proceedings.

Informal Resolution

Before filing any claim, both parties agree to make a good-faith effort to resolve the dispute by contacting the other party in writing.

If the dispute cannot be resolved within thirty (30) days, either party may pursue the remedies available under this section.

Binding Arbitration.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted before a single arbitrator in Pinellas County, Florida. The arbitrator's decision shall be final and binding, and judgment on the arbitration award may be entered in any court having jurisdiction. Nothing in this section shall prevent either party from seeking temporary or preliminary injunctive relief in a court of competent jurisdiction to protect its intellectual property rights, confidential information, or other proprietary rights pending completion of arbitration.

Class Action Waiver

To the fullest extent permitted by law, each party agrees that any dispute shall be brought solely in an individual capacity and not as part of any class, consolidated, collective, or representative proceeding.

DISCLAIMER

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF:

MERCHANTABILITY

FITNESS FOR A PARTICULAR PURPOSE

TITLE

NON-INFRINGEMENT

We do not warrant that:

the Services will always be available;

the Services will be uninterrupted or error-free;

defects will be corrected;

the Services are free from viruses or harmful components;

any information provided is complete, accurate, or current.

Educational materials, coaching, courses, webinars, AI-generated content, and other information provided through the Services are intended for educational and informational purposes only and should not be considered legal, medical, financial, tax, investment, or other professional advice.

You are solely responsible for decisions you make based on information obtained through the Services.

NO PROFESSIONAL RELATIONSHIP

Your use of the Services does not create any attorney-client, physician-patient, financial advisor-client, accountant-client, agency, partnership, joint venture, employment, or fiduciary relationship between you and the Company.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

THIS INCLUDES, WITHOUT LIMITATION:

LOSS OF PROFITS

LOSS OF BUSINESS OPPORTUNITIES

LOSS OF REVENUE

LOSS OF GOODWILL

LOSS OF DATA

BUSINESS INTERRUPTION

WE SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM:

THIRD-PARTY SERVICES;

INTERNET OUTAGES;

TELECOMMUNICATION FAILURES;

HOSTING PROVIDER FAILURES;

PAYMENT PROCESSOR INTERRUPTIONS;

CYBERATTACKS;

UNAUTHORIZED ACCESS TO YOUR ACCOUNT;

EVENTS BEYOND OUR REASONABLE CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF:

THE AMOUNT YOU PAID TO US DURING THE PRECEDING TWELVE (12) MONTHS; OR

ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not permit certain limitations of liability, so portions of this section may not apply to you.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company, its owners, officers, directors, employees, contractors, affiliates, licensors, successors, and agents from and against any claims, damages, liabilities, losses, costs, expenses, and reasonable attorneys' fees arising from or relating to:

your use of the Services;

your violation of these Terms;

your violation of any law;

your infringement of any intellectual property or privacy rights;

your negligence, misconduct, or fraudulent activity;

your submitted content or Contributions.

We reserve the right to assume the exclusive defense of any matter subject to indemnification, at your expense, and you agree to cooperate fully in that defense.

USER DATA

We may maintain information that you submit in connection with the Services for operational, legal, security, business, and compliance purposes.

While we implement commercially reasonable safeguards, you acknowledge that no electronic system is completely secure.

You remain responsible for maintaining backups of any information you submit.

Additional details regarding our collection, use, retention, and protection of personal information are described in our Privacy Policy.

FORCE MAJEURE

The Company shall not be liable for any failure or delay in performance caused by events beyond our reasonable control, including but not limited to:

natural disasters;

hurricanes;

floods;

fires;

pandemics;

epidemics;

governmental actions;

labor disputes;

terrorism;

civil unrest;

cyberattacks;

internet failures;

utility outages;

telecommunications failures;

supply chain disruptions; or

failures of third-party vendors.

Performance shall be suspended for the duration of the force majeure event.

CHANGES TO THESE TERMS

We may revise these Terms from time to time.

The updated version will be posted on our website with a revised "Last Updated" date.

Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

If you do not agree to the revised Terms, you must discontinue use of the Services.

SEVERABILITY

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Any unenforceable provision shall be interpreted to reflect the original intent as closely as permitted by applicable law.

WAIVER

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

No waiver shall be effective unless in writing.

ASSIGNMENT

We may assign or transfer our rights and obligations under these Terms without restriction.

You may not assign your rights or obligations without our prior written consent.

ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any additional policies or agreements expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Services and supersede all prior or contemporaneous understandings relating to the Services.

CONTACT INFORMATION

If you have questions regarding these Terms, please contact us:

MJR Dominion LLC d/b/a The Forbes Factor

Email:
[email protected]

Phone:
(562) 294-1542

Website:
https://www.forbesriley.com

Business Address:

3158 24th Ave N

St. Petersburg, FL 33713

United States