Housing Alchemy Terms of Service

Effective Date: April, 2025

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1. Acceptance of Terms

By accessing or using Housing Alchemy’s website, services, or coaching programs, you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“TOS”). If you disagree with any part of these terms, you must not use our services.

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2. Services Provided

Housing Alchemy offers educational coaching and training related to co-living property investment (“Services”). We may provide content via webinars, online courses, in-person events, email, SMS, or other communication channels.

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3. User Eligibility

You must be 18 or older to use our Services. By agreeing to the TOS, you represent and warrant that you meet this age requirement.

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4. User Accounts

 • Registration: You may need to provide accurate personal information and create a password to enroll.

 • Security: You’re responsible for maintaining the confidentiality of your account credentials.

 • Usage: You agree not to share access or allow others to use your account.

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5. Payments, Fees & Refunds

 • Payment Terms: Services are paid in advance via our chosen processors (e.g., Stripe, PayPal).

 • Refund Policy: We offer a [30/60/90]-day satisfaction guarantee. To request a refund under this policy, you must email us within that period.

 • No Unilateral Chargebacks: You agree not to dispute legitimate charges; any unauthorized chargebacks may result in account suspension.

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6. User Conduct

You agree to use our Services legally and ethically. You must not:

 • Violate laws or infringe intellectual property

 • Share our content or materials without permission

 • Harass or discriminate against others

 • Distribute spam or unsolicited messages

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7. Intellectual Property

All materials—videos, PDFs, templates, emails, and branding—are owned by Housing Alchemy. You’re granted a limited, non‑exclusive, non‑transferable, revocable license to use for personal, non-commercial purposes. Unauthorized distribution is prohibited.

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8. Disclaimers & Limitations of Liability

 • No Guarantees: We do not guarantee financial success. All educational content is provided “as is.”

 • Professional Advice: Heavy legal/financial decisions should be run by qualified professionals.

 • Limitation of Liability: To the maximum extent permitted by law, Housing Alchemy and its affiliates are not liable for indirect or consequential damages. Our total liability won’t exceed the fees you’ve paid to us in the last six months.

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9. Third-Party Services

We may integrate with Zoom, Stripe, Kajabi, Twilio, and other third-party tools. Your use of these services is subject to their respective terms and our Privacy Policy.

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10. SMS Terms

By opting in for SMS communications, you acknowledge the following per TCPA and GDPR compliance:

 • You consent to receive SMS messages (reminders, updates, promotions).

 • Message & data rates may apply; frequency varies.

 • Opt-out anytime by replying “STOP” or emailing support.

 • You must provide your express consent before we send any text.

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11. Privacy

We collect and process personal data during registration, payments, and communication. Our practices are detailed in our [Privacy Policy].

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12. Termination

We may suspend or terminate your access for violating TOS or engaging in harmful behavior. You may also end usage by stopping your subscription, though outstanding fees remain payable.

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13. Changes to Terms

We may update the TOS periodically. The current version, identified by the “Effective Date,” will be posted on our site. Continued use after changes constitutes acceptance.

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14. Governing Law & Dispute Resolution

 • Governing Law: [Your State/Country] laws govern these terms.

 • Dispute Resolution: Any dispute arising shall be resolved through binding arbitration under JAMS/AAA (select one). Class-action waivers apply.

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15. Contact Information

If you have questions or need support:

Housing Alchemy

Email: yvette@housingalchemy.com

Website: https://www.housingalchemy.com/

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By continuing to use our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.