Effective Date: Jan 2023

Please read these Terms of Use ("Terms") carefully before accessing or using the products, programs, courses, or other materials (collectively referred to as the "Materials") provided by Group Home Bank Academy ("we" or "us"). By accessing or using the Materials, you agree to be bound by these Terms. If you do not agree with these Terms, please do not access or use the Materials.

Intellectual Property

1. 1.1. Ownership: The Materials provided by Group Home Bank Academy, including but not limited to digital products, programs, courses, and any associated content, are protected by intellectual property laws and remain the sole property of Group Home Bank Academy or its licensors. You acknowledge that all rights, title, and interest in the Materials belong to Group Home Bank Academy.

1.2. Limited License: Subject to your compliance with these Terms, Group Home Bank Academy grants you a limited, non-exclusive, non-transferable license to access and use the Materials solely for your personal, non-commercial purposes. You may not modify, reproduce, distribute, create derivative works, or publicly display or perform any part of the Materials without prior written permission from Group Home Bank Academy.

Refunds

1. 2.1. Non-Refundable Products: All digital products, programs, courses, or other Materials classified as such by Group Home Bank Academy are non-refundable. Due to the nature of intellectual properties and the inability to unlearn or retract knowledge gained after exposure and access, we do not offer refunds for our Materials.

User Conduct

3.1. Prohibited Activities: When accessing or using the Materials, you agree not to engage in any conduct that:
a. Violates any applicable laws, regulations, or third-party rights.

b. Infringes or violates the intellectual property rights or other proprietary rights of Group Home Bank Academy or any third party.

c. Attempts to gain unauthorized access to the Materials, accounts, or systems related to Group Home Bank Academy.

d. Interferes with or disrupts the functionality or integrity of the Materials or the Group Home Bank Academy website.

1. e. Harasses, intimidates, or threatens any other users or individuals associated with Group Home Bank Academy.

Limitation of Liability

1. 4.1. Disclaimer: The Materials provided by Group Home Bank Academy are for educational and informational purposes only. We make no guarantees or warranties of any kind, whether expressed or implied, regarding the accuracy, completeness, or applicability of the Materials. You acknowledge that your use of the Materials is at your own risk.

4.2. Limitation of Liability: To the fullest extent permitted by applicable law, Group Home Bank Academy and its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses arising out of or in connection with the use or inability to use the Materials.

Modifications to the Terms

1. We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on the Group Home Bank Academy website. Your continued use of the Materials after the posting of any changes constitutes your acceptance of such changes.

Governing Law and Jurisdiction

1. These Terms shall be governed by and construed in accordance with the laws of California. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of California jurisdiction.

Contact Us

1. If you have any questions or concerns about these Terms, please contact us at:

Group Home Bank Academy

info@grouphomebank.com

info@grouphomebank.com

We will make reasonable efforts to address and resolve any concerns you may have.

By accessing or using the Materials provided by Group Home Bank Academy, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

Last updated:  2023