Terms of service.
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.
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. Gift Cards are non-refundable.
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. There are no refunds regardless of usage of the product.
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 nonrefundable. 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.
Privacy Policy
IUL.org, also known as ‘IUL.org, 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.
Privacy Policy
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, 2022.