Terms of service

Effective Date: October 1, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” “User,” or “Customer”) and You Are a CEO, Inc., doing business as CEO Business Services (“CEO Business Services,” “Company,” “we,” “us,” or “our”).

CEO Business Services is a brand owned and operated by You Are a CEO, Inc.

These Terms govern your access to and use of the CEO Business Services website, online portals, software, applications, digital tools, artificial intelligence-enabled features, coaching programs, educational programs, memberships, subscriptions, business resources, templates, systems, content, and other products and services that reference or incorporate these Terms (collectively, the “Service” or “Services”).

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICES. BY ACCESSING, PURCHASING, REGISTERING FOR, OR USING ANY SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS.

If you do not agree to these Terms, you may not access or use the Services.

1. ACCEPTANCE AND ELIGIBILITY

By accessing or using the Services, you represent and warrant that:

you are at least eighteen (18) years of age;
you have the legal capacity to enter into a binding agreement;
all information you provide to us is accurate and complete; and
your use of the Services will comply with these Terms and applicable law.

If you access or use the Services on behalf of a corporation, limited liability company, partnership, nonprofit organization, employer, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms.

In that circumstance, references to “you” and “your” include both you individually and the organization you represent, as applicable.

2. DESCRIPTION OF SERVICES

CEO Business Services provides business education, resources, coaching, systems, technology, digital tools, templates, information, and related business-support services designed to assist entrepreneurs, business owners, executives, professionals, and organizations.

Services may include, without limitation:

business education and training;
business coaching and consulting;
digital courses and programs;
memberships and subscriptions;
business templates and resources;
business planning and management tools;
financial and operational tools;
assessments and dashboards;
software and online portals;
artificial intelligence and automated tools;
live and recorded educational content;
group or individual coaching sessions; and
other business-related products and services.

Specific Services may be subject to additional terms, order forms, program agreements, enrollment agreements, payment agreements, statements of work, or policies.

3. ACCOUNT REGISTRATION AND SECURITY

Certain Services may require you to establish an account.

You agree to provide accurate, current, and complete information and to update that information when necessary.

You are responsible for maintaining the confidentiality and security of your username, password, authentication credentials, and account.

Unless expressly permitted by us, accounts and login credentials are issued to the registered User and may not be shared.

You are responsible for activity occurring through your account to the extent permitted by applicable law.

You agree to notify CEO Business Services promptly if you discover or reasonably suspect unauthorized access to your account or a security breach involving your credentials.

We may require you to change your password, verify your identity, or take other reasonable security measures.

4. LIMITED LICENSE TO USE THE SERVICES

Subject to your compliance with these Terms and payment of all applicable fees, CEO Business Services grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your personal or internal business purposes.

Purchasing access to a Service does not transfer ownership of the Service or its underlying intellectual property to you.

All rights not expressly granted under these Terms are reserved by You Are a CEO, Inc. and its licensors.

5. FEES AND PAYMENT

You agree to pay all fees associated with Services you purchase in accordance with the pricing and payment terms disclosed at the time of purchase or contained in an applicable order form, enrollment agreement, payment plan, or other written agreement.

By providing a credit card, debit card, bank account, ACH authorization, or other payment method, you authorize us and our third-party payment processors to charge that payment method for amounts you have authorized.

You are responsible for keeping your payment information current.

Prices are stated in U.S. dollars unless otherwise indicated.

You are responsible for applicable sales, use, transaction, or similar taxes except taxes imposed on CEO Business Services' net income.

We may use third-party payment processors to process payments. Your use of their services may also be governed by their applicable terms and privacy policies.

6. INSTALLMENT PAYMENT PLANS

Certain Services may permit the purchase price to be paid in installments.

Unless the applicable offer expressly provides otherwise, an installment payment plan represents a method of paying a total contractual purchase obligation and does not convert the purchase into a month-to-month subscription.

Cancellation of participation in a program does not automatically cancel amounts already contractually owed under an installment agreement, except where required by applicable law or expressly provided in the applicable program or payment agreement.

You authorize CEO Business Services and its payment processors to process scheduled installment payments using your authorized payment method.

If a payment is declined, returned, reversed, or otherwise unsuccessful, we may, subject to applicable law:

attempt to process the payment again;
request an alternative payment method;
suspend access to the applicable Service; and
pursue unpaid amounts that are validly owed.

Any late fees, returned-payment fees, collection costs, or similar charges will apply only when expressly disclosed and permitted by applicable law.

7. SUBSCRIPTIONS AND AUTOMATIC RENEWAL

Certain Services may be offered through recurring subscriptions or memberships.

Before you enroll in an automatically renewing Service, the applicable offer or checkout process will disclose material renewal terms, including the recurring charge, billing frequency, and applicable cancellation terms as required by law.

By affirmatively enrolling in an automatically renewing Service, you authorize CEO Business Services or its payment processor to charge your authorized payment method at the disclosed recurring interval until you cancel or the subscription otherwise terminates.

CEO Business Services will provide cancellation mechanisms and renewal or pricing notices as required by applicable law.

For Services purchased online that are subject to applicable online-cancellation requirements, we will provide an online method of cancellation as required by law.

Cancellation ordinarily prevents future renewal charges but does not retroactively refund charges already incurred, except where required by applicable law or expressly provided in the applicable offer.

8. CANCELLATIONS AND REFUNDS

Except as otherwise required by applicable law or expressly stated in a written offer, order form, enrollment agreement, program agreement, or refund policy, all purchases and fees paid to CEO Business Services are non-refundable.

This may include fees for:

coaching programs;
memberships;
subscriptions;
digital products;
educational programs;
courses;
events;
templates;
software access; and
other Services.

Nothing in these Terms eliminates or restricts any non-waivable cancellation, refund, rescission, or consumer right provided by applicable law.

Where a Service is subject to a separate written cancellation or refund policy, that policy will govern the applicable purchase.

9. USER RESPONSIBILITIES

You agree to:

provide accurate and complete information;
use the Services only for lawful purposes;
maintain appropriate security over your account;
comply with these Terms and applicable laws;
independently evaluate important business decisions;
obtain appropriate professional advice when needed; and
use reasonable judgment before implementing information obtained through the Services.

You remain responsible for your own business operations, decisions, actions, and results.

10. PROHIBITED USES

You may not, directly or indirectly:

use the Services for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes;
copy, reproduce, republish, sell, license, distribute, or commercially exploit protected Service content except as expressly authorized;
share account credentials or permit unauthorized persons to access restricted Services;
reverse engineer, decompile, disassemble, decode, or attempt to derive source code from software, except to the extent such restriction is prohibited by law;
circumvent access controls or security measures;
remove copyright, trademark, confidentiality, or proprietary notices;
scrape, crawl, systematically download, or extract protected content without authorization;
use protected materials to create or operate a competing course, coaching program, platform, software product, or substantially similar commercial offering;
upload malicious software or code;
interfere with the security, operation, integrity, or performance of the Services;
impersonate another person or misrepresent your affiliation;
use the Services to violate the rights of another person; or
use the Services in any manner prohibited by applicable law.

11. COACHING AND EDUCATIONAL SERVICES

CEO Business Services provides education, coaching, information, tools, and business-support resources.

Coaching and educational Services are intended to assist Users in developing their knowledge, capabilities, strategies, systems, and decision-making processes.

You acknowledge that coaching and education require your active participation and implementation.

CEO Business Services does not control your business, employees, customers, finances, market conditions, decision-making, implementation, or other circumstances affecting your results.

You remain solely responsible for deciding whether and how to implement information, recommendations, strategies, tools, or concepts presented through the Services.

12. NO PROFESSIONAL ADVICE

Unless a particular Service expressly states otherwise in a separate written engagement agreement, information provided through CEO Business Services is educational and informational in nature and is not intended to constitute individualized legal, tax, accounting, investment, securities, medical, insurance, financial-planning, or other regulated professional advice.

Nothing provided through the Services creates an attorney-client, accountant-client, investment-adviser, fiduciary, medical, or similar professional relationship.

You should consult appropriately qualified professionals regarding matters requiring professional advice and your particular circumstances.

13. NO GUARANTEE OF BUSINESS OR FINANCIAL RESULTS

CEO Business Services does not promise, warrant, or guarantee that use of the Services will produce any particular:

revenue;
profit;
income;
sales;
customer growth;
business valuation;
financing;
credit score;
tax result;
investment return;
cost savings;
operational improvement; or
other business or financial outcome.

Examples, case studies, projections, testimonials, financial illustrations, forecasts, and hypothetical scenarios are provided for educational or illustrative purposes unless expressly identified otherwise.

Past performance of any business, participant, customer, investment, strategy, or methodology does not guarantee future results.

Your results may differ materially based on your decisions, implementation, experience, resources, personnel, capital, market conditions, competition, economic conditions, and other factors.

14. INTELLECTUAL PROPERTY

The Services and all associated content, functionality, systems, methodologies, materials, and intellectual property are owned by or licensed to You Are a CEO, Inc.

Protected materials may include:

videos;
audio recordings;
courses;
workbooks;
presentations;
frameworks;
methodologies;
assessments;
business systems;
templates;
forms;
reports;
graphics;
photographs;
written materials;
databases;
dashboards;
software;
source and object code;
website content;
logos;
trademarks;
trade names; and
proprietary processes.

These materials are protected by applicable copyright, trademark, trade secret, contract, and other intellectual-property laws.

Unless expressly authorized in writing, you may not reproduce, publish, distribute, sell, sublicense, publicly display, commercially exploit, or create derivative commercial training products from protected materials.

You may not record private coaching sessions, meetings, classes, or restricted events without authorization.

You may not upload protected CEO Business Services materials to public repositories, file-sharing systems, unauthorized artificial intelligence systems, or other platforms for redistribution or creation of competing products.

15. USER CONTENT

Certain Services may permit you to submit, upload, store, transmit, or otherwise provide documents, information, comments, images, business materials, data, or other content (“User Content”).

As between you and CEO Business Services, you retain ownership of your User Content.

You grant CEO Business Services a non-exclusive, worldwide license to host, store, reproduce, process, transmit, display, and otherwise use User Content solely as reasonably necessary to operate, secure, improve, and provide the Services, fulfill your requests, comply with law, and exercise our rights under these Terms.

You represent that you possess all rights and permissions necessary to provide the User Content and that our permitted use of it will not violate applicable law or third-party rights.

16. FEEDBACK

If you voluntarily provide suggestions, ideas, recommendations, enhancement requests, or other feedback concerning the Services, you grant You Are a CEO, Inc. the right to use that feedback for lawful business purposes without restriction or compensation to you.

This provision does not transfer ownership of your confidential business information merely because you communicate with us.

17. ARTIFICIAL INTELLIGENCE AND AUTOMATED TOOLS

Certain Services may use artificial intelligence, machine learning, automation, algorithms, or other technology to generate information, recommendations, summaries, documents, analyses, forecasts, or other outputs.

AI-generated and automated outputs may contain inaccuracies, omissions, incomplete information, or errors.

You agree to independently review and verify material outputs before relying upon or implementing them.

AI-generated information does not constitute professional advice merely because it is presented in a personalized or authoritative format.

Where appropriate, you should have qualified professionals review outputs relating to legal, tax, accounting, financial, investment, employment, regulatory, or other significant matters.

We do not guarantee that AI-generated outputs will be unique or that similar outputs will not be provided to other Users.

18. THIRD-PARTY SERVICES

The Services may contain links to, integrate with, or depend upon third-party websites, software, payment processors, applications, platforms, or services.

Third-party services are governed by their own terms, policies, and practices.

CEO Business Services does not control third-party services and, to the fullest extent permitted by law, is not responsible for their availability, security, accuracy, content, acts, omissions, or performance.

Your use of third-party services is at your own risk and subject to the applicable third party's terms.

19. PRIVACY

Your use of the Services is subject to the CEO Business Services Privacy Policy, which is incorporated into these Terms by reference.

Our Privacy Policy describes how personal information is collected, used, disclosed, retained, and protected and explains applicable privacy rights.

Where applicable law provides additional privacy rights, those rights are not waived by these Terms.

20. DIGITAL MILLENNIUM COPYRIGHT ACT

CEO Business Services respects intellectual-property rights.

If you believe material available through the Services infringes a copyright you own or are authorized to enforce, you may submit a copyright infringement notice to our designated Digital Millennium Copyright Act (“DMCA”) agent.

A notice should contain the information required by applicable copyright law, including:

identification of the copyrighted work claimed to have been infringed;
identification and location of the allegedly infringing material;
your contact information;
a statement of your good-faith belief that the disputed use is not authorized;
a statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act for the copyright owner; and
your physical or electronic signature.

CEO Business Services may remove or disable access to allegedly infringing material when appropriate and may terminate repeat infringers where required or appropriate.

The Company's designated DMCA agent information will be published as required by applicable law.

21. SUSPENSION AND TERMINATION

We may suspend, restrict, or terminate access to some or all Services if we reasonably determine that you:

materially violate these Terms;
fail to pay amounts validly owed;
engage in fraud or unlawful activity;
infringe intellectual-property rights;
compromise the security or operation of the Services;
misuse Services or accounts;
threaten or abuse other Users or personnel; or
create material legal, regulatory, security, or operational risk.

Where appropriate and legally required, we may provide notice or an opportunity to cure a violation.

We may also discontinue a Service for legitimate business, operational, legal, or technical reasons.

Termination does not automatically eliminate payment obligations incurred before termination or obligations under a valid installment agreement, subject to applicable law and any applicable written agreement.

Sections that by their nature should survive termination—including intellectual property, payment obligations, disclaimers, limitations of liability, indemnification, dispute provisions, and general contractual provisions—will survive.

22. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

CEO Business Services makes no warranty that the Services will be uninterrupted, error-free, completely secure, or suitable for every User's particular business needs.

To the fullest extent permitted by applicable law, we disclaim warranties and conditions of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

23. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ARE A CEO, INC., CEO BUSINESS SERVICES, THEIR AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOST DATA, OR BUSINESS INTERRUPTION ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF YOU ARE A CEO, INC. ARISING OUT OF OR RELATING TO A PARTICULAR SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

(A) THE AMOUNT YOU ACTUALLY PAID TO YOU ARE A CEO, INC. FOR THE SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

(B) ONE HUNDRED DOLLARS ($100).

The foregoing limitations apply regardless of the theory of liability to the extent permitted by law.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited, including liability to the extent arising from fraud, willful injury, or other liability that applicable law prohibits a party from contractually excluding.

24. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless You Are a CEO, Inc., CEO Business Services, their affiliates, and their respective officers, directors, employees, representatives, agents, licensors, successors, and assigns from claims, liabilities, damages, judgments, losses, costs, and reasonable attorneys' fees arising from or relating to:

your material violation of these Terms;
your unlawful or unauthorized use of the Services;
your User Content;
your infringement or violation of third-party rights; or
fraud, willful misconduct, or unlawful acts attributable to you.

We reserve the right to assume control of the defense of any matter subject to indemnification, and you agree to reasonably cooperate with that defense.

25. DISPUTE RESOLUTION

Before initiating litigation concerning a dispute arising from these Terms or the Services, you and CEO Business Services agree, where legally permissible, to make a good-faith effort to resolve the dispute informally.

A party seeking resolution should provide written notice describing the nature of the dispute and requested resolution.

Nothing in this section prevents either party from seeking emergency or provisional relief when necessary to protect intellectual-property rights, confidential information, data, security, or other rights requiring immediate protection.

Unless the parties separately enter into an enforceable arbitration agreement applicable to a particular Service or transaction, disputes that are not resolved informally may be brought in a court of competent jurisdiction in accordance with Section 26.

Nothing in these Terms is intended to constitute an unenforceable predispute waiver of a right to jury trial under California law.

26. GOVERNING LAW AND VENUE

These Terms and disputes arising from or relating to them or the Services will be governed by the laws of the State of California, without regard to conflict-of-laws principles, except where applicable federal law controls.

Subject to applicable law and any enforceable agreement providing otherwise, the parties consent to the jurisdiction of the appropriate state and federal courts serving Contra Costa County, California for disputes arising out of or relating to these Terms or the Services.

Nothing in this section deprives a consumer of protections or rights that applicable law does not permit to be contractually waived.

27. CHANGES TO THESE TERMS

We may modify these Terms from time to time to reflect changes to the Services, our business practices, applicable law, technology, security requirements, or other legitimate business needs.

The revised Terms will state their effective date.

Where required by applicable law, we will provide appropriate notice of material changes and obtain consent where legally required.

Changes to subscription or automatic-renewal terms will be communicated in accordance with applicable law.

Your continued use of the Services after revised Terms become effective constitutes acceptance only to the extent permitted by applicable law.

28. ELECTRONIC COMMUNICATIONS AND SIGNATURES

You consent to receive agreements, notices, disclosures, receipts, and other communications relating to the Services electronically where permitted by law.

Electronic acceptance, including clicking a button, checking a box, executing an electronic signature, or otherwise affirmatively indicating agreement, may constitute your signature and acceptance to the extent permitted by applicable law.

You are responsible for maintaining a valid email address and other contact information associated with your account.

29. FORCE MAJEURE

CEO Business Services will not be liable for delay or failure to perform caused by circumstances beyond its reasonable control, including natural disasters, severe weather, fire, flood, earthquake, epidemic, pandemic, war, terrorism, civil disturbance, government action, labor disruption, telecommunications failure, widespread Internet disruption, utility failure, cyberattack, or failure of critical third-party infrastructure.

This provision does not excuse payment obligations for Services already provided or otherwise alter rights that cannot be waived under applicable law.

30. ASSIGNMENT

You may not assign or transfer your rights or obligations under these Terms without our prior written consent, except where applicable law provides otherwise.

You Are a CEO, Inc. may assign these Terms in connection with a merger, acquisition, corporate restructuring, sale of assets, financing transaction, or transfer of the applicable business or Service, subject to applicable law.

31. RELATIONSHIP OF THE PARTIES

Nothing in these Terms creates a partnership, joint venture, franchise, employment, agency, fiduciary, or other special relationship between you and You Are a CEO, Inc.

Neither party has authority to bind the other except as expressly agreed in writing.

Participation in a coaching, educational, membership, or business-support program does not create a business partnership between the User and CEO Business Services.

32. ORDER OF PRECEDENCE

Certain Services may be governed by additional written agreements.

If there is a direct conflict between these Terms and a separately executed agreement specifically governing a Service, the specifically negotiated or executed agreement will control with respect to that conflict unless it expressly provides otherwise.

The Privacy Policy governs matters specifically relating to the Company's collection, use, and handling of personal information.

33. SEVERABILITY

If any provision of these Terms is determined by a court of competent jurisdiction to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed to the extent necessary, and the remaining provisions will remain in full force and effect.

34. NO WAIVER

Failure by CEO Business Services to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

Any waiver must be expressly made by an authorized representative of You Are a CEO, Inc.

35. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any applicable order form, enrollment agreement, program agreement, subscription terms, payment agreement, or other agreement incorporated by reference, constitute the agreement between you and You Are a CEO, Inc. concerning the applicable Services.

They supersede prior or contemporaneous communications concerning the subject matter covered by these Terms, except for separately executed agreements that expressly remain controlling.

36. HEADINGS AND INTERPRETATION

Section headings are provided for convenience and do not affect interpretation.

Words such as “including” and “includes” mean “including without limitation” unless the context clearly requires otherwise.

These Terms will not be interpreted against either party solely because that party drafted or proposed them, to the extent permitted by applicable law.

37. CONTACT INFORMATION

Questions, notices, or concerns regarding these Terms may be directed to:

You Are a CEO, Inc.
CEO Business Services
2300 Stanwell Drive, Suite A
Concord, California 94520

Email: support@youareaceo.com

ACKNOWLEDGMENT

BY ACCESSING, PURCHASING, REGISTERING FOR, OR USING CEO BUSINESS SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE TERMS OF SERVICE.

Effective Date: October 1, 2026