Terms and Conditions

1. Agreement to Terms

By accessing or using the services, website, or platforms provided by Fondako Media LLC ("Company," "we," "us," or "our"), you ("Client," "you," or "user") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our services.

These Terms apply to all visitors, users, clients, and others who access or use our services, including the Elite Advisor Coaching program and related offerings.

2. Company Information

• Legal Entity: Fondako Media LLC
• Jurisdiction: State of Wyoming, USA
• Contact Email: info@fondako.com
• Billing Email: billing@fondako.com

3. Service Description

3.1 Overview

Elite Advisor Coaching is a coaching and training program for licensed life insurance advisors and financial professionals. Our services include but are not limited to:

• Coaching calls, group sessions, and mastermind access
• Training resources, frameworks, and educational content
• Sales scripts, case structuring, and process playbooks
• Customer success support
• Community access

3.2 Program Tiers

We may offer multiple program tiers with varying support levels and pricing structures. Specific details are provided in individual Service Agreements.

3.3 No Guarantee of Results

We do not guarantee:

• Sales conversions or closed cases
• Specific revenue, premium, or commission amounts
• Business outcomes or financial results
• Response rates from prospects

Your results depend on your skills, effort, sales ability, follow-through, and market conditions. Any figures referenced on this website reflect the results of specific individuals and are not typical.

4. Eligibility and Account Registration

4.1 Eligibility Requirements

• Be at least 18 years of age
• Be a licensed financial professional or business owner (where applicable)
• Have the legal authority to enter into binding contracts
• Provide accurate and complete registration information
• Maintain active professional licenses as required by your jurisdiction

4.2 Account Security

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using strong passwords and security measures

4.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms, provide false or misleading information, engage in fraudulent or illegal activity, fail to maintain required professional licenses, or engage in conduct detrimental to our community or team.

5. Payment Terms

5.1 Pricing and Fees

Program pricing is outlined in your Service Agreement and may include program fees, setup fees (which may be waived under certain commitment terms), and processing fees for credit card payments (typically 3–3.99%).

5.2 Payment Plans and Billing Cycles

Where a payment plan applies, a "Billing Cycle" typically refers to a four (4) week period, not a calendar month, unless otherwise specified in your Service Agreement.

5.3 Automatic Billing

By enrolling, you authorize us to automatically charge your designated payment method (credit card or ACH) for all applicable fees according to your billing schedule.

5.4 Payment Methods

• Credit cards (subject to processing fees)
• ACH/bank transfers (no processing fees)
• Other payment methods as approved in writing

5.5 Failed Payments

• We may attempt to process partial payment
• Your account may be suspended or restricted
• You remain responsible for all outstanding balances
• Additional fees or interest may accrue

5.6 No Refunds

All payments are non-refundable. There are no money-back guarantees. Review your Service Agreement carefully before enrolling.

5.7 Payment Disputes and Chargebacks

You agree not to initiate payment disputes or chargebacks for services rendered. Doing so constitutes a material breach of contract and may result in immediate termination of services, legal action and collection proceedings, recovery of legal fees, and reporting to credit agencies. If you have a billing concern, contact billing@fondako.com to resolve it through proper channels.

6. Cancellation and Termination

6.1 Client-Initiated Cancellation

• Provide written notice at least seven (7) days before your next billing date
• Send notice to billing@fondako.com and your Customer Success Manager
• Complete an off-boarding call with your assigned representative

All requirements are mandatory. Failure to satisfy them renders the cancellation invalid, and billing will continue.

6.2 Commitment Periods

If you enrolled under a minimum commitment period, early cancellation fees apply if you cancel before the commitment period ends. Such fees typically equal waived setup costs or other promotional benefits, as outlined in your Service Agreement.

6.3 Automatic Renewal

Unless you provide proper cancellation notice, any recurring enrollment will automatically renew at the end of the commitment period at the same rate.

6.4 Company-Initiated Termination

We reserve the right to terminate your access immediately for violation of these Terms, disrespectful behavior or misconduct, failure to maintain required professional licenses, fraudulent activity or misrepresentation, or conduct detrimental to our community, team, or clients. No refund will be provided for company-initiated terminations due to policy violations.

7. Intellectual Property Rights

7.1 Company Ownership

All content, systems, processes, frameworks, training materials, scripts, software, and methodologies provided by Fondako Media are our exclusive intellectual property and are protected by copyright, trademark, and trade secret laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our materials solely for your personal use in connection with our services. This license terminates immediately upon termination of your enrollment.

7.3 Restrictions

• Copy, reproduce, or distribute our materials
• Reverse engineer or replicate our systems
• Share access with unauthorized third parties
• Create derivative works based on our intellectual property
• Use our materials to train or coach others
• Resell or license our content
• Remove or alter copyright notices

7.4 User-Generated Content

By submitting content to our platforms (testimonials, forum posts, feedback), you grant us a perpetual, worldwide, royalty-free license to use, reproduce, and display such content for marketing and operational purposes.

8. Confidentiality and Non-Disclosure

You agree to keep confidential all proprietary information, systems, processes, client data, and business strategies shared during your engagement with us. Confidentiality obligations remain in effect during your enrollment and for two (2) years following termination. These obligations do not apply to information that is publicly available through no fault of yours, that you lawfully possessed beforehand, or that you independently developed.

9. Non-Competition and Non-Solicitation

9.1 Non-Competition

For two (2) years following termination of your enrollment, you agree not to offer services substantially similar to ours using our methodologies, compete with us using knowledge or systems gained through our program, or license, sell, or provide training based on our intellectual property.

9.2 Non-Solicitation of Personnel

During your enrollment and for two (2) years thereafter, you agree not to solicit, recruit, or hire our employees or contractors, or induce our team members to terminate their relationship with us.

9.3 Non-Solicitation of Clients

You may not solicit members of our community, clients, or program participants for employment, business partnerships, competitive services, or any purpose that circumvents our business relationship.

10. Disclaimers and Limitations of Liability

10.1 Service "As Is"

Our services are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

10.2 No Professional Advice

We are a coaching, training, and marketing company. We do not provide financial advice, legal advice, tax advice, insurance recommendations, or professional licensing guidance. You are solely responsible for compliance with all applicable laws and regulations in your industry and jurisdiction.

10.3 Third-Party Services

We may refer you to independent third-party vendors, partners, or service providers. We are not responsible for the quality or performance of third-party services, disputes with third parties, or their terms, pricing, or policies.

10.4 Force Majeure

We are not liable for delays or failures in performance resulting from circumstances beyond our control, including natural disasters, pandemics, government actions, internet or technology failures, and third-party platform outages.

10.5 Limitation of Liability

• Our total liability is limited to the amount you paid in your most recent billing cycle
• We are not liable for indirect, incidental, consequential, or punitive damages
• This includes lost profits, lost revenue, lost data, or business interruption

11. Indemnification

You agree to indemnify, defend, and hold harmless Fondako Media LLC, its owners, officers, employees, contractors, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services, your violation of these Terms, your violation of any laws or regulations, your representations to prospects or clients, infringement of third-party rights, or your professional conduct or licensing issues.

12. Dispute Resolution and Governing Law

• Governing Law: The laws of the State of Wyoming, USA, without regard to conflict of law principles
• Binding Conciliation: Before initiating any legal action, you agree to participate in good faith binding conciliation
• Venue: Any legal action must be brought exclusively in courts located in the State of Wyoming
• No Class Actions: You agree to resolve disputes individually and waive participation in class actions
• Attorney's Fees: The prevailing party is entitled to recover reasonable attorney's fees and costs

13. Community Standards and Conduct

13.1 Acceptable Use

• Treat all members and team members with respect
• Maintain professionalism at all times
• Follow community guidelines and rules
• Protect confidential information shared by others
• Avoid solicitation or self-promotion without permission

13.2 Prohibited Conduct

The following may result in immediate removal without refund: harassment, bullying, or discriminatory behavior; solicitation of community members for competing services; sharing of login credentials; spamming or excessive self-promotion; disruptive or toxic behavior; and violation of others' intellectual property rights.

13.3 Content Moderation

We reserve the right to remove any content that violates our standards or these Terms without prior notice.

14. Recording and Monitoring

By scheduling or participating in appointments, calls, or meetings through our systems, you consent to being recorded for quality assurance, training, verification, and dispute resolution. We collect data about your use of our services for analytics, improvement, and compliance purposes as described in our Privacy Policy.

15. Testimonials and Marketing

If you provide a written or video testimonial, you grant us perpetual rights to use it in marketing materials, waive the right to request removal or modification, and consent to use of your name, business name, and likeness. This right survives termination of your enrollment. We may create case studies featuring your results with your consent.

16. Data and Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated by reference into these Terms.

17. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes are effective upon posting updated Terms on our website, notifying you via email, and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

18. Miscellaneous Provisions

• Entire Agreement: These Terms, your Service Agreement, and the Privacy Policy constitute the entire agreement
• Severability: If any provision is invalid, the remaining provisions remain in full force
• Waiver: Failure to enforce any provision does not waive future enforcement
• Assignment: You may not assign your rights; we may assign ours without restriction
• Electronic Communications: You consent to receive communications electronically, including email, platform messages, and text messages (if you opt in)
• Relationship: Nothing here creates a partnership, joint venture, employment, or agency relationship

19. Program-Specific Terms

Program schedules, attendance expectations, deliverables, and any performance standards are defined in your individual Service Agreement, which supplements these Terms. You may be required to attend a minimum number of sessions and follow documented procedures to receive full program benefits.

20. Billing-Specific Terms

• Billing typically begins no later than fourteen (14) days after agreement execution, regardless of program start date
• If a temporary pause is approved, billing obligations generally continue unless otherwise agreed in writing
• Setup fees may be waived under certain commitment terms but become due immediately upon early cancellation

21. Contact Information

Fondako Media LLC
General inquiries: info@fondako.com
Billing questions: billing@fondako.com
Legal notices: info@fondako.com (Subject: "Legal Notice")

22. Acknowledgment

By using our services, creating an account, or executing a Service Agreement, you acknowledge that you have read and understood these Terms, agree to be bound by them, have the authority to enter into this agreement, and that all information you provide is accurate and complete.

These Terms constitute a legally binding agreement between you and Fondako Media LLC. Last Updated: October 26, 2025 · Fondako Media LLC — All Rights Reserved. Legal entity organized under the laws of Wyoming, USA.