Effective Date: [Insert Date]
These Terms of Service (“Terms”) govern your access to and use of the website located at [https://www.federalmi.org] (the “Website”) operated by FederalMI, LLC (“FederalMI,” “we,” “us,” or “our”). By accessing, browsing, or using any portion of the Website, purchasing any product, or registering for any services, you (“you” or “User”) agree to be legally bound by these Terms.
If you do not agree to these Terms, you must not use the Website or purchase any products or services from us.
1. Eligibility
You must be at least 18 years of age and legally capable of entering into a binding agreement to use this Website. By using the Website, you represent and warrant that you meet these eligibility requirements.
2. Use of the Website and Services
You may access and use the Website and its training products solely for lawful purposes and in accordance with these Terms. You agree not to:
Violate any applicable law or regulation.
Resell, reproduce, redistribute, or sublicense any content without express written permission.
Attempt to gain unauthorized access to our systems or interfere with the Website’s functionality.
3. Account Registration and Security
To access certain content, you must create an account. You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use or suspected breach of security.
4. Intellectual Property
All content on this Website, including video courses, text, logos, graphics, and software, is the exclusive property of FederalMI or its licensors and is protected by U.S. and international intellectual property laws. Purchase of a course grants you a limited, non-transferable, non-exclusive license to access the content for personal, non-commercial use only.
You may not download, reproduce, modify, or distribute our content without our express written consent.
5. Pricing, Payments, and Taxes
All prices are listed in U.S. dollars. You agree to pay the full amount for all purchases made through the Website. Payment is processed through secure third-party payment gateways. FederalMI does not store your full credit card information.
You are responsible for any applicable taxes, duties, or fees imposed by any jurisdiction.
6. Refund Policy
Due to the nature of digital products, all sales are final and no refunds will be issued once access to training content has been granted, except where required by law.
However, at our sole discretion, we may offer a refund or credit if:
You experience technical issues that prevent access to the course and we are unable to resolve the issue within 5 business days.
You made an accidental duplicate purchase within 24 hours.
To request a refund under these exceptions, you must email support at federalmi.org with proof of purchase and a description of the issue. We reserve the right to deny any refund request that falls outside these limited conditions.
7. Modifications and Discontinuation
We reserve the right to modify or discontinue any part of the Website, its features, or course offerings at any time without notice. We are not liable to you or any third party for any such changes or discontinuations.
8. Disclaimer of Warranties
The Website and all products and services are provided “as is” and “as available.” We make no warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Website or content will be error-free, secure, or uninterrupted.
9. Limitation of Liability
To the fullest extent permitted by law, FederalMI shall not be liable for any indirect, incidental, special, punitive, or consequential damages, including but not limited to loss of revenue, profits, data, or goodwill, arising out of or related to your use of the Website or any training product.
In no event shall our total liability exceed the amount paid by you for the product or service giving rise to the claim.
10. Indemnification
You agree to indemnify, defend, and hold harmless FederalMI, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, costs, and expenses arising from your violation of these Terms or misuse of the Website.
11. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Virginia for any legal action relating to these Terms or your use of the Website.
12. Termination
We may suspend or terminate your account or access to the Website at our sole discretion, with or without notice, for any reason including a breach of these Terms. Upon termination, your right to access purchased content may be revoked.
13. Severability
If any provision of these Terms is found to be unlawful or unenforceable, it shall not affect the validity and enforceability of the remaining provisions.
14. Changes to Terms
We reserve the right to update or modify these Terms at any time. Material changes will be communicated via email or posted on the Website. Continued use of the Website after changes constitutes acceptance of the revised Terms.
15. Contact Information
For questions about these Terms or any service-related issues, please contact:
FederalMI, LLC
📧 support at federalmi.org