Terms of Purchase and Refund Policy

TERMS OF PURCHASE AND REFUND POLICY– THIS DOCUMENT CONTAINS VERY IMPORTANT INFORMATION REGARDING YOUR RIGHTS AND OBLIGATIONS, AS WELL AS CONDITIONS, LIMITATIONS, AND EXCLUSIONS THAT MIGHT APPLY TO YOU. PLEASE READ IT CAREFULLY.

Media Holding Group LLC, d/b/a IUL.org (hereinafter referred to as “IUL.org”, “We”, “Us” or “Our”) stand behind all of our products. Your satisfaction is very important to us. All purchases made from us (including all related website properties, sales over the phone, and live event on-site purchases) are covered by the following policies and terms.

Free Lead Promotion

The Nature of SEO driven leads dictates we can not guarantee any set number of leads per day, nor week nor month. We accept no liability for the quantity nor quality of the leads. Leads will be distributed fairly through a round-robin system indefinitely. Purchasing any additional products or services will not reward nor penalize any party receiving leads. We will distribute leads we one ‘seat’ in the round robin per email address purchased. We operate the Free Lead Promotion in good faith and you may request a refund at any time by emailing support@iul.org

General

Offers/Coupons cannot be used in conjunction with each other unless otherwise stated. Coupons are only valid during the advertised promotion period. Prices are subject to change without notice.

No Guarantee of Results

It is impossible to provide any promise or guarantee about any potential outcomes with respect to your success with our products. IUL.org makes no assurances, warranties, guarantees, or representations with respect to any product or service. Always consult with your professionals. Any testimonials showing our success or our client’s success are not to be interpreted as common, typical, or expected. Some testimonials are from students who now work as IUL.org sales representatives or employees. It takes education, drive and hard work to reach your goals.

REFUND POLICY

Digital Download Products, IUL.org

Please be advised that the cancellation of the monthly subscription is effective in the month in which you have cancelled. Prior months are non refundable.

You will receive access to the training platform for the amount of time that was stated on the product description you purchased. If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at support@iul.org so we can resolve the issue.

Please be advised that any and all agreements for downloadable/digital products, IUL.org or IUL.org Training Products are fully refundable. We do not accept any verbal modifications of these Agreements and our refund and cancellation policy stated in our agreement is strictly adhered to. AFTER the full term of the agreement has expired, you may request to cancel the automatic renewal of the Agreement or your Agreement will be converted into a month-to-month Agreement. Any cancellations submitted prior to the full term of the agreement will only cancel the auto renewal and your monthly invoices will still be due and owing until the full value of the agreement has been paid in full. ALL BUILD OUT FEES AND SET UP FEES ARE NONREFUNDABLE AS THEY ARE SERVICES RENDERED TO CREATE YOUR ACCOUNT. Agreements with a 90 day opt out clause do not include a refund on the initial investment. By agreeing to the Terms and Conditions, you agree to all Terms of Use and this Terms of Purchase and Refund Policy. Including that you agree to not do a chargeback for any services rendered, or for digital products that have been delivered. You also agree and acknowledge that you are paying in monthly installments on your total contract value as a payment plan, not a recurring subscription fee.

Cancelling or removing the credit card on file does not cancel your subscription and violates the terms of the agreement. If at any time you have delinquent invoices past 90 days, or the account is paid delinquently for three consecutive payments, your account will be suspended, and you will still be liable for the full contract value through the term of the agreement.

If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at support@iul.org, so we can resolve the issue. Digital product purchases do not grant rights to the buyer to share, reproduce or resell the product in any way.

IUL.org Coaching Program

Please be advised that the Coaching Program runs on a twelve month (12) or eighteen (18) month schedule that begins and ends on a certain date that is determined by your start date on your contract. The Coaching Program calls are recorded and may be accessed during the twelfth month (12) or eighteen month (18) period in which you are enrolled. Access to the recorded calls terminates at the end of your twelfth (12) or eighteen month program.

There are no refunds for the program and no refunds or credit for any missed calls. No part of the program, including any gratis tickets, passes or invitations, are transferable to another person. It is incumbent upon the Coaching Program to dial in to the calls and follow the schedule. Please refer to the remaining Terms of Purchase and Refund Policy for our online community guidelines.

By being a part of the IUL.org Coaching and Training programs, you agree to abide by our online community guidelines and you agree to all the terms and conditions of our refund policy, terms of service and privacy policy.

If you are dissatisfied with the Coaching program after your first call, please contact support@iul.org for a store credit. If more than one day has passed you will not be entitled to store credit.

Payment Plans

If a product or service is purchased utilizing a monthly payment plan the customer is responsible for 100% of the agreed-upon payments equaling the original purchase price of the product under that payment plan. If any payments are not received, the entire purchase is void and the payments made up to that point are forfeited to and will not be refunded. Access to any digital product or platform will be removed. Any payment plans that include live events must be paid in full 60 days prior to the event date or your ticket will be forfeited, and you will receive a store credit in the amount paid up to 60 days of the date of the event.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE

Offers and discounts may not be combined.

Returning Items from Deals that Included Gifts with Purchase and Bonus Items

Purchases from an Affiliate

Any purchase made through a third-party affiliate is subject to the affiliate’s terms and conditions. Any requests from refunds should be made directly to the affiliate from whom the product or service was purchased. Be sure to save your invoice and receipts from any affiliate purchase so that we may direct you to the proper party should an issue arise.

Account Status

If your account is in arrears or not in good standing for any reason, then any special offers, flash sales, deals, bonuses, gifts with purchase, coupons, discounts and incentives are not available for use.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE FROM AFFILIATES, SPONSORS OR CO-VENTURERS

From time-to-time, IUL.org may host, co-host or co-venture with an affiliate, business associate or sponsor at an event or for a special promotion. As such, some of the items or deals may not be purchased from IUL.org. If you purchased an item from an affiliate, business associate or sponsor you are subject to the terms of their purchase and we are not able to provide any exchanges or refunds. Please contact the affiliate, business associate or sponsor on your receipt from your purchase for their policy and instructions.

Any item purchased from an affiliate that is to be fulfilled by an affiliate will require the purchaser to communicate with the affiliate regarding any customer service or technical issues. We cannot guarantee or provide a refund or credit on items we do not fulfill.

By purchasing any item, product or event from this website, you acknowledge and agree to be bound by the terms and conditions set forth in this Policy as well as the Terms of Use and Privacy Policy If you do not agree to these Policies, please do purchase anything, or enter into any transaction with us.

TCPA Consent

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your inquiry, client relations and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your inquiry, client relations and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

IUL.org, also known as ‘Media Holding Group, LLC,’ offers our customers the option to receive offers for our products and events to provide faster service. Message frequency varies. Message and data rates may apply. Reply STOP to opt-out. Carriers are not liable for any delays or undelivered messages.

Please review our Privacy Policy, which also governs your visit to our website and any purchases made on our website.

Be sure to return to this Policy periodically to review the most current version of the Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify this Policy without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page and upon request we will provide you with information regarding any changes made. This policy was last updated on January 1, 2025.

This Affiliate Agreement (the "Agreement") is entered into by and between Media Holding Group LLC dba IUL.org ("Company," "we," "us," or "our") and you ("Affiliate," "you," or "your"). By submitting an application to become an Affiliate and/or by participating in the Affiliate Program, you agree to the terms and conditions of this Agreement in their entirety.

1. DEFINITIONS

1.1 “Affiliate Program”
The marketing program provided by Company through which Affiliates may promote Company’s products, services, or website(s) in exchange for commissions subject to the terms of this Agreement.

1.2 “Affiliate”
Any individual or entity that has enrolled in the Affiliate Program and has been accepted by Company to promote Company’s products or services in exchange for potential referral fees/commissions as defined in this Agreement.

1.3 “Intellectual Property”
Any and all trade names, trademarks, service marks, logos, slogans, graphics, and copyrighted materials belonging to Company.

1.4 “Prohibited Activities”
Any activities explicitly disallowed under Section 6 of this Agreement or any additional guidelines or policies provided by Company.

1.5 “Commission”
The amount owed to Affiliate per the Commission structure detailed in Section 7 of this Agreement.

1.6 “Territory”
Worldwide, unless restricted by local law, or specified by Company in writing, where the Affiliate is legally permitted to market Company’s products and services.

2. ACCEPTANCE INTO THE PROGRAM

2.1 Application
To participate in the Affiliate Program, you must submit a complete and accurate application via our official Affiliate Program registration process. Company will evaluate your application and may reject your application at its sole discretion for any reason, including but not limited to content that is unlawful, offensive, or violates intellectual property rights.

2.2 Acceptance
Upon acceptance into the Affiliate Program, Company will provide you with access to promotional materials and/or tracking links. Acceptance does not waive any right of Company to suspend or terminate your participation at any time for breach of this Agreement or for any other reason, at Company’s sole discretion.

2.3 Eligibility
You represent and warrant that you are at least 18 years of age, legally capable of entering into binding contracts in your jurisdiction, and that all information provided to Company is accurate and complete.

3. AFFILIATE RELATIONSHIP

3.1 Independent Contractor Status
Nothing in this Agreement shall be construed to create an employer-employee relationship, partnership, or joint venture of any kind between Company and Affiliate. Affiliate shall act solely as an independent contractor, and you are solely responsible for any and all taxes, insurance, fees, and other liabilities incurred in connection with your operations under this Agreement.

3.2 No Authority
Affiliate does not have, and shall not hold itself out as having, any authority to make or accept any offers or representations on behalf of Company. Affiliate shall not act in any manner that implies or suggests that Affiliate has such authority.

4. LICENSES & INTELLECTUAL PROPERTY

4.1 Limited License
Company hereby grants Affiliate a limited, non-exclusive, non-transferable, revocable license to use and display Company’s trademarks, service marks, logos, and other Intellectual Property solely for the purpose of marketing and promoting Company’s products or services in accordance with this Agreement.

4.2 Restrictions
Affiliate shall not modify, alter, or create derivative works of any of Company’s Intellectual Property. All use of Company’s Intellectual Property must be professional, lawful, and in compliance with any usage guidelines provided by Company.

4.3 Ownership
All rights, title, and interest in Company’s Intellectual Property are and shall remain the exclusive property of Company. Affiliate acquires no right, title, or interest in any Company Intellectual Property, except for the limited usage rights granted in this Agreement.

5. AFFILIATE RESPONSIBILITIES

5.1 Compliance with Laws
Affiliate agrees to comply with all applicable laws, regulations, and guidelines when marketing or promoting Company’s products or services, including but not limited to data protection laws, consumer protection laws, and advertising regulations.

5.2 Content Standards
Affiliate’s promotional content shall not contain any material that is misleading, deceptive, unlawful, obscene, harassing, or otherwise objectionable in Company’s sole discretion. Affiliate is solely responsible for ensuring the accuracy and legality of any statements about Company’s products or services.

5.3 Accurate Representations
Affiliate will not make false or misleading statements concerning Company’s products, services, or policies, nor will Affiliate misrepresent its relationship with Company or the nature of the Affiliate Program.

6. PROHIBITED ACTIVITIES

In addition to any other restrictions in this Agreement, Affiliate agrees not to engage in any of the following activities:

6.1 Spamming
Sending unsolicited mass emails, text messages, or other forms of spam to promote Company’s products or services.

6.2 Infringing Conduct
Using any content, domain names, or trademarks that are the property of a third party without their permission, or violating any third-party intellectual property rights in the course of Affiliate’s promotions.

6.3 Fraudulent or Deceptive Conduct
Generating fraudulent clicks, leads, or sales using automated scripts, incentivized clicks, or other deceptive tactics; misrepresenting material details of the offer; or using misleading advertisements.

6.4 Prohibited Keyword Bidding
Bidding on Company’s brand names, trademarks, or misspellings thereof in pay-per-click campaigns, search engine marketing, or any other digital advertising platform without explicit written permission from Company.

6.5 Illegal or Harmful Activities
Engaging in any activities that are illegal, harmful, or harassing, including the promotion of hate speech, violence, or discrimination.

6.6 Other Violations
Failing to adhere to any official guidelines or policies that Company may issue in relation to marketing, advertising, or affiliate conduct.

7. COMMISSIONS

7.1 Commission Structure
Commissions will be calculated based on the structure described on the Affiliate Program website or as otherwise provided in writing by Company. Company reserves the right to modify the Commission structure at any time, with or without notice.

7.2 Eligibility for Commissions
Commissions will only be paid on sales that are tracked through the special tracking links provided by Company to Affiliate. Company is not responsible for any lost or untracked sales resulting from improper use of tracking links or promotional materials.

7.3 Payment Terms

Company will pay Commissions to Affiliate based on a schedule (e.g., monthly, quarterly) as specified in the Affiliate dashboard or in a separate Commission schedule.
A minimum payout threshold may be set by Company. Commissions below this threshold will roll over to the subsequent payment period.
All payments shall be made in U.S. dollars and are subject to currency exchange rates if you reside outside the United States.

7.4 Chargebacks & Refunds
If a sale that generated a Commission is later refunded, charged back, or canceled, Company reserves the right to deduct the corresponding Commission from Affiliate’s future payouts or invoice Affiliate directly for the refunded amount.

7.5 Tax Compliance
Affiliate is solely responsible for determining the tax implications of any Commission received, as well as for reporting and paying any and all income taxes that may be due in any jurisdiction.

8. TERM & TERMINATION

8.1 Term
The term of this Agreement will begin upon our acceptance of your Affiliate application and will continue unless and until terminated by either party under this Section 8.

8.2 Termination for Convenience
Either party may terminate this Agreement for any reason, or for no reason, at any time by giving written notice (including via email) to the other party.

8.3 Termination for Breach
Company may terminate this Agreement immediately if Affiliate is in material breach of any of the terms or conditions of this Agreement, including engagement in any Prohibited Activities, or any action that, in Company’s sole discretion, may damage Company’s brand or reputation.

8.4 Effect of Termination
Upon termination, Affiliate shall immediately cease all use of Company’s promotional materials, remove any links to Company’s website, and stop representing that it is an affiliate of Company. Any earned but unpaid Commissions up to the date of termination will be paid in accordance with Section 7, provided the termination is not due to Affiliate’s breach of this Agreement.

9. CONFIDENTIALITY

9.1 Confidential Information
During the term of this Agreement and thereafter, you may receive or otherwise have access to certain confidential or proprietary information relating to Company’s business. You agree not to disclose or use any such Confidential Information for any purpose outside of this Agreement without Company’s prior written consent.

9.2 Exceptions
Information shall not be deemed Confidential Information if it is (i) already in the public domain; (ii) rightfully obtained from a third party without obligation of confidentiality; or (iii) independently developed without use of or reference to Company’s Confidential Information.

10. REPRESENTATIONS AND WARRANTIES

10.1 Affiliate Representations
You represent and warrant that:

You have the necessary authority and rights to enter into this Agreement.
Your performance under this Agreement will not violate any agreement or obligation between you and any third party.
All information provided in your Affiliate application is accurate and truthful.

10.2 Company Representations
Company represents and warrants that it has the authority to enter into this Agreement and to grant the licenses and rights described herein.

11. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY PROVIDES THE AFFILIATE PROGRAM, COMPANY’S WEBSITE(S), AND ANY MATERIALS OR PRODUCTS “AS IS” AND “AS AVAILABLE” AND DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, OR SECURITY.
COMPANY MAKES NO WARRANTY THAT THE AFFILIATE PROGRAM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS, OR THAT IT WILL MEET YOUR REQUIREMENTS.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL COMPANY, ITS MANAGERS, OFFICERS, EMPLOYEES, SHAREHOLDERS, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF REVENUE, BUSINESS, PROFITS, OR DATA) ARISING OUT OF OR RELATED TO THIS AGREEMENT, REGARDLESS OF WHETHER SUCH LIABILITY IS BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COMPANY’S TOTAL LIABILITY TO YOU FOR ANY REASON WHATSOEVER UNDER ANY THEORY OF LAW SHALL NOT EXCEED THE TOTAL COMMISSIONS PAID OR PAYABLE TO YOU UNDER THIS AGREEMENT DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY.

13. INDEMNIFICATION

13.1 Affiliate’s Indemnification Obligation
You agree to defend, indemnify, and hold harmless Company, its managers, officers, employees, contractors, agents, subsidiaries, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, claims, costs, and expenses (including reasonable attorneys’ fees) that arise out of or relate to:

Your breach of any term of this Agreement,
Your participation in the Affiliate Program, including but not limited to any actions you take to promote Company’s products or services,
Your violation of any law or regulation, or
Your infringement or misappropriation of any third-party right, including intellectual property or privacy rights.

13.2 Company’s Indemnification Obligation
To the extent permitted by law, Company agrees to defend, indemnify, and hold you harmless from and against any claims by third parties that Company’s authorized and unmodified promotional materials (provided to Affiliate by Company) infringe or misappropriate such third party’s intellectual property rights, provided you were using them in accordance with this Agreement.

13.3 Indemnification Procedure
The indemnified party shall promptly notify the indemnifying party in writing of any claim, demand, or lawsuit for which indemnification is sought. The indemnifying party shall have the right to control the defense and settlement of such claim, but shall not settle without the indemnified party’s prior written approval if such settlement imposes a monetary obligation on or involves an admission of liability by the indemnified party.

14. FORCE MAJEURE

Company shall not be liable for any delay or failure to perform any obligations under this Agreement where such delay or failure is the result of any cause beyond Company’s reasonable control, including acts of God, natural disasters, war, terrorism, insurrection, embargo, governmental action, labor strikes, or supply chain failures.

15. ENTIRE AGREEMENT; AMENDMENTS

This Agreement sets forth the entire agreement between the parties regarding the Affiliate Program and supersedes any and all prior agreements, discussions, or communications, whether written or oral. Company reserves the right to modify this Agreement at any time, in its sole discretion, by posting a revised version on its website or by providing notice to Affiliate. Your continued participation in the Affiliate Program after any modifications become effective shall constitute your acceptance of the updated Agreement.

16. SEVERABILITY

If any provision of this Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect, and such invalid or unenforceable provision will be reformed to the minimum extent necessary to make it valid and enforceable.

17. WAIVER

No waiver by Company of any breach of this Agreement shall be deemed a waiver of any other or subsequent breach. Failure by Company to exercise any right or remedy under this Agreement does not constitute a waiver of that right or remedy.

18. ASSIGNMENT

You may not assign any of your rights or obligations under this Agreement without prior written consent from Company. Company may assign its rights and obligations under this Agreement at any time, in its sole discretion, to any affiliate, subsidiary, or successor in interest.

19. GOVERNING LAW AND DISPUTE RESOLUTION

19.1 Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

19.2 Dispute Resolution
Any dispute, claim, or controversy arising from or relating to this Agreement shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will take place in Delaware. The arbitrator’s decision shall be binding and may be entered as a judgment in any court of competent jurisdiction. Each party shall bear its own costs and attorneys’ fees, unless otherwise required by law or the arbitrator’s decision.

19.3 Injunctive Relief
Notwithstanding the above, Company may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its Intellectual Property rights or confidential information.

20. NO LIABILITY; HOLD HARMLESS CLAUSE

To the maximum extent permitted by law, Affiliate acknowledges and agrees that under no circumstances shall Company be liable for any claims, losses, damages, or liabilities arising out of or related to Affiliate’s performance under this Agreement, the Affiliate Program, or the use of Company’s website. Affiliate expressly agrees to hold harmless and release Company from any and all claims, demands, damages, expenses, liabilities, causes of action, lawsuits, or judgments (“Claims”) arising directly or indirectly from Affiliate’s actions or omissions, or from the actions or omissions of any third party. This hold harmless clause is intended to be as broad and inclusive as permitted by law, and if any portion of this clause is held invalid, the remainder shall continue in full force and effect.

21. ELECTRONIC SIGNATURE

By completing the online Affiliate Program enrollment process, you are acknowledging that you have read and understood this Agreement, and that you agree to be bound by all its terms and conditions as if you had signed a written contract.