TERMS OF SERVICE

Effective Date: [EFFECTIVE DATE]

These Terms of Service ("Terms") govern your access to and use of Ministry Multiplier, the website at myministrymultiplier.com, and all products, courses, community spaces, and services offered by [LEGAL ENTITY NAME] ("we," "us," or "our"). By accessing the Site or purchasing a product, you agree to these Terms.

Our Products and Services

We offer educational and coaching products for ministry leaders, which may include online courses, live coaching sessions, community access, downloadable resources, and live events. Specific deliverables, formats, and access terms are described on each product's page at the time of purchase.

Eligibility

You must be at least 18 years old and able to enter into a binding agreement to purchase our products.

Purchases and Payment

Prices are listed on the Site and are in US dollars. By purchasing, you authorize us and our payment processor to charge your selected payment method. Where a payment plan is offered, you authorize the full series of scheduled payments. Failure to complete scheduled payments may result in suspension of access until the account is current.

Access and License

Upon purchase, we grant you a limited, personal, non-transferable, non-exclusive license to access the purchased content for your own ministry use. You may not share login credentials, redistribute, resell, record, or reproduce our content without written permission. Access to community spaces and courses is tied to your active purchase or subscription.

Subscriptions and Renewals

Where a product is offered as a recurring subscription, it will automatically renew at the stated interval until canceled. You may cancel at any time, and cancellation stops future charges but does not retroactively refund prior charges. Access continues through the end of the paid period.

Refund Policy

[INSERT YOUR REFUND POLICY HERE. This must be decided before publishing. Example placeholder: "All sales are final unless otherwise stated in writing on the product page." OR a specific guarantee window. Given the price points, define this clearly and have it reviewed.]

Live Sessions and Events

Live session schedules are communicated through the community and event reminders. We may record live sessions. Schedules may change, and we will make reasonable efforts to notify participants of changes.

Intellectual Property

All content, including videos, worksheets, frameworks, and written materials, is owned by [LEGAL ENTITY NAME] and protected by intellectual property laws. Your purchase grants access, not ownership.

Disclaimers

Our products are educational. We do not guarantee specific financial, attendance, growth, or ministry outcomes. Your results depend on your own efforts, circumstances, and execution. See our Earnings Disclosure for more detail.

Limitation of Liability

To the fullest extent permitted by law, [LEGAL ENTITY NAME] is not liable for any indirect, incidental, or consequential damages arising from your use of our products. Our total liability is limited to the amount you paid for the product giving rise to the claim.

Termination

We may suspend or terminate access for violation of these Terms, including credential sharing or unauthorized distribution of content, without refund.

Governing Law

These Terms are governed by the laws of the State of [STATE / JURISDICTION], without regard to conflict of law principles.

Changes to These Terms

We may update these Terms. Continued use of the Site after changes constitutes acceptance.

Contact

[LEGAL ENTITY NAME], [BUSINESS MAILING ADDRESS], [CONTACT EMAIL].