Welcome to Lihub (the “Website”). These Terms & Conditions (“Terms”) govern your access to and use of the Website and any content, products, services, programs, coaching, downloads, webinars, email/SMS communications, and other offerings (collectively, the “Services”) provided by [Legal Business Name] (“Company,” “we,” “us,” or “our”). 

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy and Legal Disclaimer (together, the “Policies”). If you do not agree, do not use the Website. 

 

1) Eligibility 

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services. By using the Website, you represent that you meet this requirement. 

 

2) Changes to These Terms 

We may update these Terms at any time. Changes are effective upon posting to the Website, and the “Last Updated” date will change. Your continued use of the Website after changes are posted constitutes acceptance. 

 

3) Our Services (Educational Purpose) 

The Services are provided for general educational and informational purposes. We do not provide legal, tax, accounting, investment, or personalized financial advice. If you need professional advice, consult a qualified professional. 

If you also sell insurance or offer insurance-related services, see Section 16. 

 

4) User Accounts (If Applicable) 

Some parts of the Services may require creating an account. You agree to: 

• provide accurate information, 

• maintain the confidentiality of your login credentials, 

• notify us promptly of unauthorized access. 

You are responsible for all activity that occurs under your account. 

 

5) Purchases, Billing, and Payment

If you purchase products or services through the Website: 

• You agree to provide current, complete, and accurate purchase and billing information. 

• Prices are displayed in U.S. dollars unless otherwise stated. 

• Payments may be processed by third-party payment processors (e.g., Stripe, PayPal) and are subject to their terms. 

We reserve the right to refuse or cancel any order for reasons including suspected fraud, unauthorized transactions, or errors in pricing or availability. 

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6) Refunds, Returns, and Cancellations 

Refund policies vary by offering and will be disclosed at checkout, on the sales page, or in a separate written agreement. Unless otherwise stated in writing: 

• Digital products/downloads: generally non-refundable once delivered, unless required by law. 

• Coaching/programs: may have specific cancellation terms and deadlines stated on the enrollment page or client agreement. 

• Event/webinar tickets: may be non-refundable or transferable depending on the event terms. 

If you believe you were charged in error, contact us at btu1500now@gmail.com within [7–14] days of the charge. 

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7) Scheduling, no‑Shows, and Rescheduling 

If you book a call or session: 

• You agree to attend on time and provide required information. 

• No-shows may be forfeited and may not be rescheduled, unless we decide otherwise at our discretion. 

• Rescheduling requests must be submitted at least [24/48] hours in advance. 

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8) Intellectual Property

All Website content—text, videos, graphics, logos, downloads, templates, course materials, and other assets—are owned by or licensed to us and are protected by intellectual property laws. 

You may not copy, reproduce, republish, upload, post, transmit, distribute, sell, license, or exploit any content without our prior written permission, except as expressly allowed in these Terms. 

 

9) Limited License for Personal Use 

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use unless otherwise stated. 

If you purchase a digital product or program, your purchase grants you a license to use the materials for your own use only. You may not share, resell, or redistribute materials. 

 

10) User Content

If you submit content (e.g., comments, messages, testimonials, reviews, or media), you represent that: 

• you own the rights to submit it, and 

• it does not violate laws or third-party rights. 

You grant us a worldwide, royalty-free license to use, reproduce, modify, publish, and display your submission for business purposes (e.g., marketing, testimonials), unless you request removal in writing and removal is reasonably possible. 

 

11) Acceptable Use & Prohibited Activities 

You agree not to: 

• use the Website for unlawful purposes, 

• violate or attempt to violate security features, 

• scrape, crawl, or harvest data without permission, 

• upload malware or interfere with Website functionality, 

• impersonate others or misrepresent affiliation, 

• post defamatory, abusive, discriminatory, or harassing content, 

• infringe intellectual property rights. 

We may suspend or terminate access if you violate these Terms. 

 

12) Third‑Party Links and Tools 

The Website may contain links to third-party sites and tools. We do not control and are not responsible for third-party content, practices, or policies. Your use of third-party sites is at your own risk and subject to their terms. 

 

13) Disclaimer of Warranties 

The Website and Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and availability. 

We do not warrant that the Website will be uninterrupted, secure, error-free, or free of viruses. 

 

14) Limitation of Liability 

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, business interruption, or personal injury arising from your use of the Website or Services. 

Our total liability for any claim arising out of or related to the Services will not exceed the amount you paid us in the six (6) months preceding the event giving rise to the claim, unless required otherwise by law. 

 

15) Indemnification 

You agree to indemnify, defend, and hold harmless the Company and its owners, officers, employees, contractors, affiliates, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from: 

• your use of the Services, 

• your violation of these Terms, 

• your violation of any law or third-party rights, 

• your content submissions. 

 

16) Insurance‑Related Terms

If the Website includes insurance-related content or services: 

• Information is general educational and not a guarantee of coverage, rates, or eligibility. 

• Insurance products are subject to underwriting, carrier approval, and state availability. 

• No coverage is bound through the Website. 

• Only a written policy contract governs coverage terms. 

 

17) Compliance Responsibility

If you use our training or materials as an agent, manager, or business owner, you are responsible for complying with applicable laws, licensing requirements, carrier rules, advertising guidelines, and industry standards. We are not responsible for your compliance decisions. 

 

18) Termination 

We may restrict, suspend, or terminate your access to the Website at any time for any reason, including violation of these Terms. Sections that by their nature should survive termination will survive (including IP, disclaimers, limitation of liability, and indemnity). 

 

19) Dispute Resolution

The arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules (or Consumer Arbitration Rules, if applicable), as modified by these Terms.

• Arbitration rules are available at: https://www.adr.org

• The arbitration shall be conducted by a single neutral arbitrator.

Unless otherwise agreed by both parties:

• The arbitration shall take place in Los Angeles County, California, or may be conducted virtually at the arbitrator’s discretion.

• These Terms and the arbitration shall be governed by the laws of the State of California, without regard to conflict of law principles.

• The Federal Arbitration Act (9 U.S.C. §§ 1–16) governs the enforceability of this arbitration agreement.

Each party shall bear its own attorneys’ fees and costs unless the arbitrator awards otherwise under applicable law. Arbitration filing and administrative fees shall be allocated according to the AAA rules.

Class action waiver

All Disputes must be brought in an individual capacity only, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding.

Exceptions

Nothing in this section prevents either party from seeking:

• injunctive or equitable relief for intellectual property violations (e.g., copyright, trademark misuse), or

• relief in small claims court, provided the claim qualifies and remains in that court.

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Survival

This arbitration provision shall survive the termination of these Terms and your use of the Website or Services.

 

20) Electronic Communications & E‑Sign Consent 

By using the Services, you consent to receive communications electronically (email, website notices, text messages if you opt-in). You agree that electronic communications satisfy legal requirements that such communications be in writing. 

 

21) Privacy 

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. 

 

22) Severability 

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect. 

 

23) Entire Agreement 

These Terms, along with our Policies and any written agreement you enter into with us (such as a coaching agreement), constitute the entire agreement between you and us regarding the Website and Services. 

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Contact Information 

For questions about these Terms, contact: 
Email: btu1500now@gmail.com
Business Name: Lihub
Address: 8618 Morrill Avenue Whittier CA 90606