Legacy Lending Academy Combined Course Agreement
Participant Agreement & Non-Resale Terms
This Course Enrollment Agreement ("Agreement") is entered into by and between Legacy Lending Academy, LLC ("Academy", "we", "us", "our") and the undersigned participant ("Participant", "you", "your"). By enrolling in the Program, submitting payment, checking the acceptance box at checkout, and/or accessing any materials, you agree to the terms of this Agreement.
1. Program Description & Access
1.1 Program. Legacy Lending Academy provides educational training in commercial loan brokering, business credit, lending structures, and related business development skills (the “Program”). The Program may include live or recorded calls, digital modules, templates, scripts, PDF guides, worksheets, software access, community access, and support resources (“Program Materials”).
1.2 Personal License Only. Your enrollment grants you one (1) personal, non-transferable, non-exclusive, revocable license to access the Program Materials for your own business use. You may not share, sell, lend, reproduce, distribute, post, livestream, screen-record, or otherwise make the Program Materials available to any other person, group, company, or online community.
1.3 No Transfer of Login. Your login, portal access, download links, and community access are for you only. Providing access to anyone else is a breach of this Agreement and grounds for immediate removal with no refund.
1.4 Access Window. The Academy may deliver Program Materials through an online portal or system. Access to certain live calls, coaching support, and/or communities may be time-limited or subject to change. The Academy may update, modify, or discontinue parts of the Program at any time to improve the curriculum, fix outdated information, or protect proprietary strategies
2. Tuition, Payment Authorization, and Billing
2.1 Tuition. By enrolling, you agree to pay the full tuition amount advertised or otherwise presented to you at checkout for the Program (the “Tuition”).
2.2 Payment Authorization. You authorize the Academy and its payment processor(s) to charge your provided payment method (credit/debit card, ACH, etc.) for the Tuition, including all installments if you selected a payment plan.
2.3 Ongoing Responsibility. You are responsible for ensuring that the payment method you provide remains valid and has sufficient funds/credit for all agreed payments. Updating your card does not void the Agreement — your obligation to pay the full Tuition remains.
3. Refund Policy / 30-Day Guarantee
3.1 30-Day Money-Back Guarantee. The Academy offers a 30-day money-back guarantee starting on your enrollment date. To request a refund, you must email [YOUR SUPPORT EMAIL HERE] with the subject line “Refund Request” within 30 calendar days of your enrollment date.
3.2 Eligibility to Request. You understand that once 30 days have passed, all fees are 100% non-refundable and all remaining payments in any payment plan are still due in full.
3.3 What Is Refunded. If approved, only the Tuition you have personally paid to the Academy is refunded. Any outside costs (equipment, software subscriptions, merchant account costs, marketing spend, business registration, etc.) are not covered by the Academy.
3.4 Method. Refunds are issued back to the original payment method whenever possible. 3.5 After Day 30. After Day 30 from enrollment, there are absolutely no refunds, credits, rollovers, substitutions, or cancellations.
4. No Chargebacks / No Payment Reversals
4.1 Agreement Not to Dispute. Except for a valid refund request under Section 3, you agree that you will not attempt to dispute, reverse, or charge back any Tuition payment with your bank, card issuer, payment platform, or processor.
4.2 Fraudulent Chargebacks. You understand and agree that initiating a chargeback or payment dispute after accessing Program Materials is a breach of contract and may be treated as theft of services and/or fraud. The Academy reserves all rights to contest such disputes and seek all remedies allowed by law.
4.3 Collections and Fees. If you attempt a chargeback outside of Section 3, the Academy may pursue collections, legal action, and recovery of Tuition, plus any reasonable attorneys’ fees, collection costs, and damages allowed by law
5. Payment Plans, Missed Payments, and Collections
5.1 Payment Plan Obligation. If you enroll using a payment plan, you agree to complete all installment payments in full. This is not a month-to-month “cancel anytime” subscription. It is a commitment to pay the full Tuition in scheduled parts.
5.2 Missed / Late Payments. If a payment fails, is missed, or is reversed, the Academy may suspend your access to the Program, community, calls, resources, or portals until your account is brought current.
5.3 Collections. If you remain in default, the Academy may send the account to collections and/or pursue legal recovery. You will be responsible for any reasonable fees, costs, or expenses incurred in the process of collecting the unpaid balance, as permitted by law.
6. Intellectual Property, Confidentiality, and Competitive Use
6.1 Our IP. All Program Materials — including videos, slides, PDFs, contracts, lender lists, scripts, templates, deal structures, workflows, checklists, coaching recordings, community discussions, processes, branding, and frameworks — are proprietary intellectual property of the Academy.
6.2 No Resale / No Sharing. You may not copy, share, sell, publish, post, reproduce, distribute, livestream, screen-record, or otherwise disclose Program Materials to any third party.
6.3 Confidential Business Methods. You acknowledge that the Academy provides confidential business methods, lender and funding relationships, scripts for borrowers and investors, pricing models, underwriting strategies, and step-by-step processes for doing deals. You agree these methods are trade secrets and commercially valuable.
6.4 No Teaching / No Competing Program. You agree you will not use Program Materials to create, market, sell, or deliver any competing training, coaching, consulting, “mastermind,” online course, or mentoring offer that teaches commercial lending, business credit, merchant capital, or similar funding strategies — whether free or paid — without our prior written consent.
6.5 Injunctive Relief. You agree that any violation of this Section 6 would cause immediate and irreparable harm to the Academy, and that the Academy has the right to seek injunctive relief, equitable relief, and all other remedies available in law or equity, without the need to post bond.
7. Use of Likeness / Testimonials / Results
7.1 Permission to Use. You grant the Academy permission to use your name, initials, likeness, voice, statements, testimonials, success stories, screenshots of messages you voluntarily send us, and results you voluntarily report — in any media now known or later developed — for marketing, advertising, and promotional purposes related to the Program.
7.2 How We Use. This may include social media posts, webinars, paid ads, websites, printed materials, sales calls, and investor-facing or student-facing marketing collateral.
7.3 Withdrawing Consent. You may withdraw permission for future use (not past use) by emailing [YOUR SUPPORT EMAIL HERE] with the subject line “Revoke Media Consent.” We will make reasonable efforts to stop using your materials going forward, but cannot take down content already published or printed.
8. Code of Conduct / Removal From Program
8.1 Professional Conduct. You agree to act respectfully and professionally toward Academy staff, instructors, coaches, guest speakers, and other participants. Harassment, hate speech, abuse, threats, defamation, or disruptive behavior is not allowed.
8.2 No Unauthorized Distribution. Sharing screenshots, downloads, recordings, or access credentials with non-students is strictly prohibited.
8.3 Our Right to Remove You. The Academy may, at its sole discretion, remove you from live calls, chats, community groups, events, and/or the Program portal if you: (a) engage in harassment or abusive conduct, (b) share proprietary content, (c) violate confidentiality, (d) promote or sell competing programs inside our community, or (e) break any material term of this Agreement.
8.4 No Refund if Removed for Cause. If you are removed under Section 8.3 for misconduct or breach, you are not entitled to a refund and you remain responsible for any unpaid Tuition or payment plan balance.
9. Compliance, Legal Responsibility, and No Professional Advice
9.1 Compliance Is Your Job. You understand that commercial lending, brokering, credit repair, business funding, and merchant capital activities may be regulated at the federal, state, and local level. You are solely responsible for complying with all applicable laws, licensing, disclosure requirements, marketing rules, data privacy requirements, telemarketing/SMS rules, credit reporting rules, and any other compliance obligations where you operate.
9.2 No Legal / Tax / Accounting Advice. The Academy does not provide legal, tax, accounting, financial, or compliance advice. All Program Materials are for educational and informational purposes only. You should consult your own attorney, CPA, compliance officer, or licensed professional before implementing any strategy.
9.3 No Guarantee of Funding or Results. We do not promise, guarantee, or warrant that you will obtain funding, close deals, generate income, sign clients, repair credit, raise capital, or achieve any specific financial or business outcome. Your results depend on your own skills, effort, market, compliance, and execution.
10. Relationship Between You and the Academy
10.1 No Employment / No Agency. Enrollment in the Program does not create any employment, partnership, joint venture, franchise, representative, agency, or other business relationship between you and the Academy.
10.2 Not Our Agent. You are not authorized to make any promise, warranty, guarantee, or representation on behalf of the Academy, nor to bind the Academy in any way with clients, lenders, investors, or vendors.
10.3 Your Business Is Your Responsibility. You are solely responsible for how you market yourself, work with clients, structure deals, collect fees, and present your services.
11. Limitation of Liability
11.1 No Indirect Damages. To the maximum extent allowed by law, the Academy (including its owners, officers, employees, contractors, speakers, and affiliates) will not be liable to you for any indirect, consequential, incidental, special, exemplary, or punitive damages, including lost profits, lost revenue, lost opportunities, reputational damage, or business interruption.
11.2 Liability Cap. To the maximum extent allowed by law, the Academy’s total cumulative liability to you for any claim arising out of or relating to this Agreement or the Program will not exceed the amount of Tuition actually paid by you to the Academy.
11.3 Timing. Any claim you bring must be brought within one (1) year from the date the claim arises, or it is waived.
12. Dispute Resolution, Governing Law, and Venue
12.1 Good-Faith Resolution First. If any dispute arises out of or relates to this Agreement, you agree to first notify the Academy in writing and allow 30 days to work toward an informal resolution.
12.2 Binding Arbitration. If the dispute is not resolved within 30 days, both parties agree that the dispute shall be submitted to binding arbitration in Fulton County, Georgia, under the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court having jurisdiction.
12.3 Individual Claims Only. You agree to waive any right to participate in a class action, class arbitration, or collective proceeding. Any claim must be brought in your individual capacity only.
12.4 Governing Law. This Agreement is governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict-of-law principles.
12.5 Attorneys’ Fees. Each party will bear its own attorneys’ fees and costs, except as otherwise stated in Sections 4 and 5 regarding collection and chargebacks.
13. Changes to Program / Updates to Terms / Entire Agreement
13.1 Program Changes. The Academy may update, improve, or modify portions of the Program, delivery format, schedule, guest speakers, software platform, or support model at any time to maintain or improve quality.
13.2 Updates to Agreement. The Academy may update this Agreement from time to time. If we materially change the Agreement, we will provide notice (for example, via email or inside the student portal). Your continued access to or use of the Program after notice of changes constitutes acceptance of the updated Agreement.
13.3 Entire Agreement. This Agreement is the entire understanding between you and the Academy and supersedes all prior or contemporaneous verbal or written agreements, promises, marketing statements, advertisements, social media content, webinar claims, emails, or other communications regarding the Program. You acknowledge that no other representation or promise has been made to you to induce you to enroll other than what is stated in this Agreement.
14. Acceptance / Electronic Signature
14.1 Binding Effect. By: (a) checking the acceptance box at checkout, (b) submitting payment information, (c) signing electronically, or (d) accessing any portion of the Program Materials, you acknowledge that you have read this Agreement, understand it, and agree to be legally bound by it.
14.2 If You Do Not Agree. If you do not agree to all terms of this Agreement, do not enroll, do not submit payment, and do not access the Program Materials.
If you have questions or concerns about this Privacy Policy, please contact us at:
Legacy Lending Academy, LLC
Email: [email protected]
Mailing Address: 8735 Dunwoody Place # 7170 Atlanta, GA 30350
2025 Copyrights By Legacy Lending Academy. All Rights Reserved
Immediate termination of access to the course
Legal action, including claims for damages and injunctive relief