Terms of Service

SECTION 7 – AUTOMATIC ENROLLMENT AND PAYMENT, AND CANCELLATION

If you do not want to continue your subscription after your free trial comes to an end, you must contact us at least 24 hours before your free trial period ends by submitting a cancellation request to us via our support email address support@jabbourcoaching.com or ryan@jabbourcoaching.com. If you do not contact us at least 24 hours before your free trial period ends to cancel, your subscription will automatically continue, and the payment card that you provided at the time of enrollment online will be charged the full Ryan Jabbour monthly membership subscription rate provided at the time of enrollment each month until you cancel. Ryan Jabbour can change the monthly membership subscription rate at any time. If the membership subscription rate changes after you subscribe, we will notify you by e-mail and give you an opportunity to cancel.

If you wish to cancel your Ryan Jabbour subscription (including subscriptions for services) at any time after a free trial or discounted period ends, you must submit a cancellation request to us via our support email address support@jabbourcoaching.com or ryan@jabbourcoaching.com. For monthly subscriptions (including subscriptions for services), we require at least ten (10) days’ notice of cancellation by email. If you provide such notice less than ten (10) days before the first day of your next subscription month, your credit card may still be charged. You will not be entitled to prorate your last month’s use, nor will you be entitled to any refund for any payments to Ryan Jabbour; Ryan Jabbour may, in its sole discretion, charge a cancellation fee equal to the amount the subscription was discounted.

Please allow 10-14 business days to receive your free book. To receive your order, you must pay a one-time shipping and handling fee of $8.95. A single copy of the Ryan Jabbour book is free when you cover the cost of shipping. Additional shipping may apply for rush shipping or additional products ordered.

I'm so confident that you’ll love my book that I am giving you a 100% Satisfaction GUARANTEE! If you don’t love it, I will refund your shipping and handling cost and let you keep the book anyway! That’s right. You don’t even need to send anything back. Just call customer service, and I’ll give you back your shipping cost – no questions asked.

A Ryan Jabbour user is responsible for paying all sums due to Ryan Jabbour in connection with their monthly subscription in accordance with these Terms. The first fee payable in accordance with these Terms is due when the user account is set up, and payment of the monthly fee is a condition of access, or after your free trial ends and you have not canceled the automatic subscription with us. Every calendar month, your account will be charged the subscription fee plus applicable tax for the following month’s subscription, together with any other fees for the following month’s subscription plus any accumulated charges for the past period (collectively, “Fees”). Failure by the Ryan Jabbour user to use any of the services available through the service provided by Ryan Jabbour does not relieve the Ryan Jabbour user of their payment obligations under these Terms.

Potential users can pay by credit card or debit card. Payment details shall be collected by us through our secure financial data collection mechanism. You acknowledge and agree that we hold data relating to the transaction, including the last four digits and the expiration date of the card used to purchase the products or services together with details on when payment is due. You further acknowledge and agree that payments are due on a recurring basis in accordance with the payment terms for the specific service purchased (unless the subscription is canceled in accordance with these Terms) and therefore authorize the automatic payment collection terms applicable to that specific service (e.g., on a monthly basis and for a specific amount).

IF YOU ARE A RYAN JABBOUR USER WITH A MONTHLY SUBSCRIPTION AND YOU HAVE PROVIDED US WITH A VALID CREDIT OR DEBIT CARD NUMBER OR AN ALTERNATE PAYMENT METHOD, EACH PAYMENT WILL BE AUTOMATICALLY PROCESSED AT THE TIME OF YOUR DESIGNATED PAYMENT DATE (MONTHLY) AND WILL BE BILLED TO THE PAYMENT METHOD YOU PROVIDED TO US AT THE TIME OF YOUR ENROLLMENT. IF YOU WISH TO CANCEL YOUR SUBSCRIPTION TO RYAN JABBOUR, YOU MAY DO SO THROUGH YOUR ACCOUNT DASHBOARD OR BY EMAILING SUPPORT@JABBOURCOACHING.COM OR RYAN@JABBOURCOACHING.COM AT LEAST TEN (10) DAYS BEFORE THE FIRST DAY OF YOUR NEXT SUBSCRIPTION MONTH.

Ryan Jabbour reserves the right to immediately terminate a user’s account and/or service for any unpaid (in whole or part) period of the subscription (with or without notice). Termination of service in no way relieves or excuses the user from any obligation to pay outstanding charges or expenses. In the event Ryan Jabbour starts collection processes of any type, you will be liable for all collection costs, including legal fees and expenses, as provided in Section 20 below.

In addition to any Fees, Ryan Jabbour may also charge applicable value-added or other tax.

Unless otherwise stated on the Website at the time of purchase, if we ship you a physical product, we reserve the right to add applicable shipping and handling fees to your order. Unless otherwise stated, we will use commercially reasonable efforts to fulfill your order within a reasonable time after receipt of your properly completed and verified order. Accurate shipping address and phone number information are required. Although we may provide delivery or shipment timeframes or dates, such dates are good-faith estimates and are subject to change. If your order will be delayed, we will contact you at the e-mail address you provided when placing your order. If we are unable to contact you or you would like to cancel your order, we will cancel the order and refund the full amount charged. We shall not be liable for any loss, damage, cost, or expense related to any delay in shipment or delivery caused by any third-party carrier or other delivery service not owned or controlled by us. The risk of loss and title for such items pass to you upon our delivery to any third-party carrier.

Products, services, and prices are generally posted at the following URL but are subject to change: www.jabbourcoaching.com/terms. Ryan Jabbour reserves the right, without notice, to discontinue products or services or modify specifications and prices on products and services without incurring any obligation to you. Except as otherwise expressly provided for in these Terms, any price changes to your subscription or purchase of product(s) or services will take effect following email notice to you.

Price changes are effective on the first day of the month after the price change is posted. By accessing, using, subscribing, or placing an order over the Website, you authorize Ryan Jabbour to charge your account in the amount indicated for the value of the services you select, including any future price changes. If you request a downgrade in services, the downgrade (and corresponding price reduction) will become effective on the first day of the month following your requested downgrade. By your continued use of Ryan Jabbour services, and unless you terminate your subscription as provided herein, you agree that Ryan Jabbour may charge your credit card monthly for the products and services you have selected, and you consent to any price changes for such services after e-mail notice has been provided to you.

Ryan Jabbour takes reasonable steps to ensure that the prices set forth on the Website are correct, and to accurately describe and display the items available on the Website. If the correct price of our product is higher than its stated price, we will, at our discretion, either contact you for instructions or cancel your order and notify you of such cancellation.

When ordering products or services, please note that Ryan Jabbour does not warrant that product or service descriptions are accurate, complete, current, or error-free, or that packaging will match the actual product that you receive. All sales are deemed final except as provided in Section 6 of these Terms. Ryan Jabbour’s descriptions of, or references to, products or services not owned by Ryan Jabbour are not intended to imply endorsement of that product or service or constitute a warranty by Ryan Jabbour.

Jabbour Coaching, operated by Ryan Jabbour, serves as a publisher and education company. Users understand that none of the content provided on jabbourcoaching.com constitutes personalized recommendations for any specific investment, security, portfolio of securities, transaction, or investment strategy. Ryan Jabbour and Jabbour Coaching, along with their affiliates, do not provide personalized investment advice. Users are advised not to seek personalized investment advice from them. Any content that might be considered investment advice is impersonal and not tailored to individual investment needs.

The views expressed on jabbourcoaching.com are the opinions of Ryan Jabbour. The website may contain differing opinions regarding mentioned securities, and these opinions may not align with other parts of the website. Trading in securities involves risk and volatility, and past performance is not indicative of future results.

Users acknowledge that certain affiliates and employees of Jabbour Coaching may hold long or short positions in mentioned securities and may trade them inconsistently with the expressed views.

Third-party content is not subject to Jabbour Coaching's investment policy, and thus, Jabbour Coaching does not endorse or take responsibility for third-party content.

Performance data is sourced from believed reliable sources, but its accuracy is not guaranteed, and past performance does not guarantee future results.

Any reference to model portfolios or actual portfolios of investments on jabbourcoaching.com represents Ryan Jabbour's chosen investments according to his stated strategy. Users' actual results may vary due to factors such as trading commissions, market factors, and individual trading practices.

Jabbour Coaching welcomes feedback from users and customers and may use testimonials and product reviews, along with the names, cities, and states of the contributors, at its discretion. Testimonials reflect the unique experiences of contributors and may not represent typical results. Users' experiences may vary due to factors unique to their businesses and market conditions. Testimonials, photographs, and other submissions are treated as non-confidential and nonproprietary, and Jabbour Coaching reserves the right to use them in various media formats.

Jabbour Coaching may correct errors, shorten testimonials, and review submissions before publication or use. There is no obligation to use any testimonial or product review submitted.

The website jabbourcoaching.com and all content are provided on an "as is," "as available" basis without warranties of any kind, including implied warranties of merchantability or fitness for a particular purpose. Jabbour Coaching makes no representations or warranties regarding the reliability, timeliness, quality, suitability, accuracy, or completeness of information on the website. Jabbour Coaching disclaims any and all representations and warranties related to the website's security, performance, and compatibility with other hardware or software.

Users agree to indemnify and hold harmless Ryan Jabbour, Jabbour Coaching, its officers, directors, employees, and affiliates from all claims arising from their conduct.

Ryan Jabbour, Jabbour Coaching, and its officers, directors, employees, contractors, and agents shall not be liable for any indirect, special, incidental, exemplary, consequential, punitive, or other damages arising from or related to this agreement, the website, services, or products, regardless of notice of the possibility of such damages. This includes loss of use, profits, data, goodwill, and procurement costs, regardless of the theory of liability. Ryan Jabbour and Jabbour Coaching's liability to users or their businesses shall not exceed three times the payments made to Jabbour Coaching in the preceding month or $2,000, whichever is greater.

PLEASE READ THIS ARBITRATION PROVISION CAREFULLY TO UNDERSTAND YOUR AND YOUR BUSINESS’ RIGHTS. EXCEPT WHERE PROHIBITED BY LAW, YOU AND YOUR BUSINESS AGREE THAT ANY CLAIM THAT YOU OR YOUR BUSINESS MAY HAVE IN THE FUTURE MUST BE RESOLVED THROUGH FINAL AND BINDING CONFIDENTIAL ARBITRATION. YOU ACKNOWLEDGE AND AGREE THAT YOU AND YOUR BUSINESS ARE WAIVING THE RIGHT TO A TRIAL BY JURY. THE RIGHTS THAT YOU AND YOUR BUSINESS WOULD HAVE IF YOU WENT TO COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL, MAY BE MORE LIMITED OR MAY NOT EXIST. YOU AGREE THAT YOU AND YOUR BUSINESS MAY ONLY BRING A CLAIM IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF (LEAD OR OTHERWISE) OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU FURTHER AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OR CLAIMS OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. HOWEVER, AN ARBITRATOR CAN AWARD ON AN INDIVIDUAL BASIS THE SAME DAMAGES AND RELIEF AS A COURT (INCLUDING INJUNCTIVE AND DECLARATORY RELIEF OR STATUTORY DAMAGES) AND MUST FOLLOW THESE TERMS AS A COURT WOULD.

If you have a complaint, dispute, or controversy, you agree to first contact us at support@jabbourcoaching.com or ryan@jabbourcoaching.com to attempt to resolve the dispute or controversy informally. Any controversy or claim arising out of or related to the use of the Website, any product, service, or software, these Terms, the Privacy Policy, any affiliate agreement, or your relationship with us that cannot be resolved through such informal process or through negotiation within 120 days shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (“AAA”), and judgment on the award rendered may be entered in any court having jurisdiction thereof. We agree that any claim we may have against you or your business will also be subject to this arbitration provision, except as provided in Sections 20 and 21 below. The arbitration will be conducted by a single neutral arbitrator in the English language in Contra Costa County, California, unless we both agree to conduct the arbitration by telephone or written submissions. The arbitrator shall be selected by agreement of the parties or, if the parties cannot agree, chosen in accordance with Rules of the AAA. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Arbitration Rules and Procedures, in effect at the time of submission of the demand for arbitration. The AAA’s Rules are available at www.adr.org or by calling 1-800-778-7879. The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, construction, validity, applicability, or enforceability of these Terms and Conditions of Use and Sale, the Privacy Policy, this arbitration provision, and any other terms incorporated by reference into these Terms and Conditions of Use and Sale. The arbitrator shall have the exclusive and sole authority to determine whether any dispute is arbitrable. The arbitrator shall have the exclusive and sole authority to determine whether this arbitration agreement can be enforced against a non-signatory to this agreement and whether a non-signatory to this agreement can enforce this provision against you or Ryan Jabbour.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s Rules. In all other respects, the parties shall each pay their own additional fees, costs, and expenses, including, but not limited to, those for any attorneys, experts, documents, and witnesses.

The arbitrator shall follow the substantive law of the State of California without regard to its conflicts of laws principles. Any award rendered shall include a confidential written opinion and shall be final, subject to appeal under the Federal Arbitration Act, 9 U.S.C. §§ 1-16, as amended. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

You and Jabbour Coaching agree that disputes will only be arbitrated on an individual basis and shall not be consolidated, on a class wide, representative basis, or with any other arbitration(s) or other proceedings that involve any claim or controversy of any other party. You and Jabbour Coaching expressly waive any right to pursue any class or other representative action against each other.

Failure or any delay in enforcing this arbitration provision in connection with any particular claim will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other claims except that all claims must be brought within 1 year after the claim arises (the 1 year period includes the 120-day informal resolution procedures described above).

This arbitration provision sets forth the terms and conditions of our agreement to final and binding confidential arbitration and is governed by and enforceable under the Federal Arbitration Act, 9 U.S.C. §§ 1-16, as amended.

This provision survives termination of your account or relationship with Jabbour Coaching, bankruptcy, assignment, or transfer. If the class action waiver is deemed unenforceable (i.e., unenforceability would allow arbitration to proceed as a class or representative action), then this entire arbitration provision shall be rendered null and void and shall not apply. If a portion of this arbitration provision (other than the class action waiver) is deemed unenforceable, the remaining portions of this arbitration provision shall remain in full force and effect.

YOU UNDERSTAND THAT YOU AND YOUR BUSINESS WOULD HAVE HAD A RIGHT TO LITIGATE THROUGH A COURT, TO HAVE A JUDGE OR JURY DECIDE YOUR CASE, AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH BINDING, FINAL, AND CONFIDENTIAL ARBITRATION IN ACCORDANCE WITH THIS ARBITRATION PROVISION.

In order to prevent or limit irreparable injury to Jabbour Coaching, in the event of any breach or threatened breach by you of the provisions of this Agreement or any infringement or threatened infringement by you of the intellectual property of Jabbour Coaching or a third-party, Jabbour Coaching shall be entitled to seek a temporary restraining order and preliminary and permanent injunctions or other equitable relief from a court of competent jurisdiction located in Contra Costa County, California restraining such breach, threatened breach, infringement, or threatened infringement. Nothing in this Agreement shall be construed as prohibiting Jabbour Coaching from pursuing in court any other remedies available to it for such breach, threatened breach, infringement, or threatened infringement, including the recovery of monetary damages from you and your business. You and your business hereby irrevocably consent to the exclusive personal jurisdiction of, and exclusive venue in, the courts of Contra Costa County, California for all such claims, and forever waive any challenge to said courts’ exclusive jurisdiction or venue.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Jabbour Coaching, its directors, officers, employees, shareholders, licensors, independent contractors, subcontractors, suppliers, affiliates, parent companies, subsidiaries, and agents from and against any and all claims, actions, loss, liabilities, damages, expenses, demands, and costs of any kind, including, but not limited to attorneys’ fees and costs of any litigation or other dispute resolution, arising out of, resulting from, or in any way connected with or related to (1) your use, misuse, or attempt to use the Website, software, products, or services, (2) information you submit or transmit through the Website, (3) your breach of these Terms, the documents they incorporate by reference, the Agreement, or the representations and warranties provided by you in this Agreement, or (4) your violation of any law or the rights of a third-party.

If you believe that materials or content available on the Website infringes any copyright you own, you or your agent may send Jabbour Coaching a notice requesting that Jabbour Coaching remove the materials or content from the Website. If you believe that someone has wrongly filed a notice of copyright infringement against you, you may send Jabbour Coaching a counter-notice. Notices and counter-notices should be sent to Jabbour Coaching, Attention Legal Department, [Address], or by e-mail to support@jabbourcoaching.com or ryan@jabbourcoaching.com. The Terms fully incorporate by reference the DMCA Policy.

The Website may contain links to other websites. Jabbour Coaching assumes no responsibility for the content or functionality of any non-Jabbour Coaching website to which we provide a link. Please see our Privacy Policy located at [PRIVACY STATEMENT LINK] for more details.

This Agreement will take effect (or shall re-take effect) at the time you click “ACTIVATE MY ACCOUNT NOW,” “PAY NOW,” “ORDER NOW”, “SUBMIT”, “BUY NOW”, “PURCHASE”, “I ACCEPT”, “I AGREE” or similar links or buttons, otherwise submit information through the Website, respond to a request for information, begin installing, accessing, or using the Website, complete a purchase, select a method of payment, and/or enter in payment method information, whichever is earliest. If, in our sole discretion, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement or violated any law, whether in connection with your use of Jabbour Coaching or otherwise, we may terminate the Agreement or suspend your access to the Website at any time without notice to you. Sections 11, 12, 13, 15 through 21, and 24 through 33 of this Agreement, as well as any representations, warranties, and other obligations made or undertaken by you, shall survive the termination of this Agreement and/or your account or relationship with Jabbour Coaching.

Upon termination, you remain responsible for any outstanding payments to Jabbour Coaching.

No failure or delay on the part of Jabbour Coaching in exercising any right, power or remedy under this Agreement may operate as a waiver, nor may any single or partial exercise of any such right, power, or remedy preclude any other or further exercise of such right, power, or remedy, or the exercise of any other rights, power, or remedy under this Agreement. A waiver of any right or obligation under this Agreement shall only be effective if in writing and signed by Jabbour Coaching.

This Agreement and any issue or dispute arising out of or otherwise related to this Agreement or your access to or use of the Website, our Privacy Statement. or any matter concerning Jabbour Coaching, including your purchase and use or attempted use of any service or product, shall be governed exclusively by the laws of State of California without regard to its conflicts of laws principles. To the extent that any claim or dispute is found by the arbitrator or (if proper) a court of competent jurisdiction to be excluded from the arbitration agreement in Section 19 above, the parties agree any such claim or dispute shall be exclusively brought in and decided by the state or federal courts located in Contra Costa County, California, and you hereby irrevocably consent to the exclusive personal jurisdiction of, and exclusive venue in, such courts, and forever waive any challenge to said courts’ exclusive jurisdiction or venue. All such claims must be brought on an individual and non-class, non-representative basis, and you forever waive any right to bring such claims on a class wide or representative basis.

Jabbour Coaching will not be responsible to you for any delay, damage, or failure caused or occasioned by any act of nature or other causes beyond our reasonable control.

Jabbour Coaching may assign its rights under this Agreement at any time, without notice to you. Your rights arising under this Agreement cannot be assigned without Jabbour Coaching’s (or its assigns’) express written consent.

All information communicated on the Website is considered an electronic communication. When you communicate with Jabbour Coaching through or on the Website or via other forms of electronic media, such as e-mail, you are communicating with the company electronically. You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

You can review the most current version of the Terms at any time at Terms. We reserve the right, at our sole discretion, to update, change, or replace any part of the Agreement, including the Privacy Statement by posting updates and changes to our Website. It is your responsibility to check our Website periodically for changes. Your continued use of or access to our Website following the posting of any changes to the Agreement constitutes acceptance of those changes.

You hereby further represent and warrant: (1) that you are at least eighteen (18) years of age, or the legal age of majority in your jurisdiction, whichever is greater; (2) that you own, operate, and/or have the right to bind the business for which you are using the Website; (3) have read this Agreement and thoroughly understand and agree to the terms contained in this Agreement; and (4) that you will not resell, re-distribute, or export any product or service that you order from the Website. You further represent that Jabbour Coaching has the right to rely upon all information provided to Jabbour Coaching by you, and Jabbour Coaching may contact you and your business by email, telephone, or postal mail for any purpose, including but not limited to (i) follow-up calls, (ii) satisfaction surveys, and (iii) inquiries about any orders you placed, or considered placing, on or through the Website.

You further represent and warrant that there are no prior or pending government investigations or inquiries of, or prosecutions against you, or any business related to you, by the Federal Trade Commission, any other federal or state governmental agency, or any industry regulatory authority, anywhere in the world, nor any prior or pending private lawsuits against you. If at any time during the life of the Agreement you, or any business related to You, becomes the subject of a government investigation, inquiry, or prosecution by the Federal Trade Commission, any other federal or state governmental agency, or any industry regulatory authority anywhere in the world, or the subject of any lawsuit, you will notify Jabbour Coaching of the same within 24 hours. Jabbour Coaching, at its sole discretion, may terminate the Agreement based on any investigation, proceeding, or lawsuit identified pursuant to this paragraph or otherwise discovered by Jabbour Coaching without incurring any obligation or liability to you.

If any provision of this Agreement is found by the arbitrator or (if proper) a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall not be affected thereby and shall continue in full force and effect, and such provision may be modified or severed from this Agreement to the extent necessary to make such provision enforceable and consistent with the remainder of the Agreement.

These Terms, the Agreement, and any policies or operating rules posted by us on the Website or in respect to the Website constitute the entire agreement and understanding between you and your business and Jabbour Coaching and govern your access to and use of the Website and your ordering, purchasing, and use and/or attempted use of any service or product and supersedes and replaces any prior or contemporaneous agreements, representations, communications, and proposals, whether oral or written, between you and Jabbour Coaching. We may also, in the future, offer new services and/or features through the Website. Such new features and/or services shall also be subject to these Terms, the Agreement, and any policies or operating rules posted by us on the Website. Any ambiguities in the interpretation of these Terms or the Agreement shall not be construed against the drafting party.

We encourage our customers to contact us with questions or comments about our products and services. Please feel free to do so by sending an e-mail to support@jabbourcoaching.com or ryan@jabbourcoaching.com.

If you have any questions or inquiries concerning any of the Terms, you may contact Jabbour Coaching by email at support@jabbourcoaching.com or ryan@jabbourcoaching.com or by regular mail at [Address].

For additional inquiries, please feel free to send an email to the relevant address listed below.

Compliance: support@jabbourcoaching.com or ryan@jabbourcoaching.com

Spam or Abuse: support@jabbourcoaching.com or ryan@jabbourcoaching.com

For General Support and Inquiries: support@jabbourcoaching.com or ryan@jabbourcoaching.com

Notices to you may be made by posting a notice (or a link to a notice) on Terms by email, or by regular mail, at Jabbour Coaching’s discretion.

What is GDPR? It is the EU Data Privacy Shield that becomes effective on February 8, 2023. It applies to any person or business that sells or markets goods or services to EU residents or deals with personal data of those that reside under European Union. The “Personal Data” definition under GDPR is very broad as it covers any information that could potentially identify the data subject being targeted.

Is Jabbour Coaching GDPR Compliant? In short, yes. Please see our privacy policy at www.jabbourcoaching.com/privacy for more information.

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