Terms & Conditions

Terms and Conditions
Effective Date: March 6, 2026
Last Updated: June 28, 2026

Welcome to www.jmconsultingandpublication.com (the “Site”), operated by JM Consulting and Publication (“Company,” “we,” “us,” or “our”).
These Terms and Conditions (“Terms”) govern your access to and use of the Site, including all content, articles, blog posts, books, publications, digital products, downloadable materials, newsletters, memberships, services, communications, tools, resources, and other materials made available through or in connection with the Site.
By accessing, browsing, purchasing from, downloading from, subscribing to, creating an account with, submitting information through, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy, Refund Policy, Website Disclaimer, and any other legal policies, notices, or agreements posted on or linked through the Site.
If you do not agree to these Terms, you must not access, use, purchase from, download from, or interact with the Site.

1. Eligibility
You may use the Site only if you are legally able to enter into a binding agreement under applicable law.
By using the Site, you represent and warrant that:
1.    You are at least 18 years old, or the age of majority in your jurisdiction.
2.    You have the legal authority to agree to these Terms.
3.    Your use of the Site will comply with all applicable laws, rules, and regulations.
4.    Any information you provide to us is accurate, current, and complete.
This Site is not intended for children under the age of 13. We do not knowingly permit children under 13 to use the Site or submit personal information.

2. Use of the Site
The Site is provided for lawful informational, educational, publishing, commercial, and business purposes.
You agree to use the Site only for lawful purposes and in a manner that does not violate these Terms, any posted policies, any applicable law, or the rights of any person or entity.
You agree not to:
1.    Use the Site for any unlawful, fraudulent, abusive, deceptive, harmful, or unauthorized purpose.
2.    Violate any applicable law, regulation, rule, order, or third-party right.
3.    Interfere with, damage, disable, overburden, impair, or disrupt the Site or its systems.
4.    Attempt to gain unauthorized access to any portion of the Site, server, database, account, payment system, membership area, or connected system.
5.    Use bots, scrapers, crawlers, data-mining tools, automated scripts, or similar technologies to access, copy, harvest, archive, or extract Site content without our prior written permission.
6.    Copy, reproduce, republish, upload, post, transmit, distribute, sell, license, exploit, modify, or create derivative works from Site content except as expressly permitted in writing.
7.    Bypass, disable, interfere with, or circumvent security features, access controls, payment requirements, download protections, membership restrictions, or digital rights controls.
8.    Misrepresent your identity, affiliation, authorization, or relationship with any person or entity.
9.    Upload, transmit, or introduce viruses, malware, spyware, harmful code, or disruptive technologies.
10.    Use the Site in any way that could harm the Company, its reputation, its users, its systems, or its business interests.
11.    Use Site content to train, develop, improve, operate, or support artificial intelligence systems, machine learning models, datasets, competing products, automated content systems, or commercial tools without our prior written permission.
12.    Remove, alter, obscure, or misrepresent copyright notices, trademarks, disclaimers, watermarks, ownership notices, or proprietary markings.
We reserve the right to suspend, restrict, or terminate access to the Site, products, downloads, memberships, services, or communications at our discretion if we believe these Terms or any applicable law have been violated.

3. Intellectual Property Rights
All content on the Site, including but not limited to text, articles, books, guides, PDFs, downloadable materials, templates, graphics, images, logos, branding, designs, layouts, page structure, videos, audio, digital products, trade names, trademarks, slogans, series names, and related materials, is owned by or licensed to JM Consulting and Publication unless otherwise stated.
This content is protected by copyright, trademark, trade dress, unfair competition, and other intellectual property laws.
You are granted a limited, revocable, non-exclusive, non-transferable license to access and view the Site for your own personal, lawful, non-commercial use only.
Except as expressly allowed in writing, you may not:
1.    Copy, reproduce, republish, distribute, display, perform, transmit, modify, translate, scrape, archive, sell, resell, license, sublicense, exploit, or create derivative works from Site content.
2.    Use Company content for commercial training, courses, paid materials, products, services, consulting, publishing, resale, or redistribution.
3.    Upload Company content to public websites, file-sharing services, social media platforms, marketplaces, artificial intelligence tools, databases, or third-party repositories.
4.    Use Company names, marks, branding, logos, book titles, series names, or designs in a way that suggests endorsement, sponsorship, affiliation, or ownership without written permission.
All rights not expressly granted are reserved by JM Consulting and Publication.

4. Digital Products, Downloads, Books, and Publications
The Site may offer or link to books, eBooks, paperbacks, hardcovers, PDFs, guides, templates, articles, digital downloads, educational resources, member-only materials, or other publications.
Purchasing, downloading, accessing, or receiving digital content does not transfer ownership of any intellectual property rights.
Unless otherwise stated in writing, when you purchase or download digital content, you receive only a limited, personal, revocable, non-exclusive, non-transferable, non-commercial license to access and use the material for your own personal educational purposes.
You may not:
1.    Share, resell, redistribute, reproduce, upload, publish, post, transmit, license, sublicense, or commercially exploit digital products or downloads.
2.    Give access to paid materials to any other person.
3.    Use purchased or downloaded materials to create competing products, derivative products, courses, books, guides, templates, websites, videos, or commercial services.
4.    Remove copyright notices, disclaimers, branding, or ownership information.
5.    Claim Company materials as your own.
Violation of this section may result in termination of access and may subject you to legal action.

5. Educational Content and No Professional Advice
All content provided through the Site is for educational and informational purposes only.
Nothing on the Site should be interpreted as legal, financial, investment, tax, accounting, medical, psychological, technological, business, professional, or personal advice.
The Company does not provide licensed professional advice through the Site, and no content should be relied upon as a substitute for advice from a qualified professional.
You understand and agree that any decisions, interpretations, actions, or outcomes resulting from your use of Site content are your sole responsibility.
You should consult a qualified professional before making decisions involving legal, financial, investment, medical, tax, business, educational, technological, or other important matters.

6. No Professional Relationship
Use of the Site does not create any professional, fiduciary, advisory, consultant-client, attorney-client, financial advisor-client, medical provider-patient, tax advisor-client, business advisor-client, or other professional relationship between you and JM Consulting and Publication.
No professional relationship is created unless expressly agreed to in a separate written agreement accepted by the Company.

7. Future Services, Consultations, and Business Offerings
The Site may describe current or future consulting, educational, publishing, advisory, business, digital, or related services.
Any such services, if offered, may be subject to separate written agreements, engagement terms, pricing, eligibility requirements, availability limits, policies, disclaimers, and conditions.
Nothing on the Site obligates JM Consulting and Publication to provide services to any person or entity.
We reserve the right to refuse service, discontinue offerings, modify availability, change pricing, limit access, or decline requests at our discretion, subject to applicable law.

8. Purchases and Payment
If products, memberships, downloads, subscriptions, services, or other paid offerings are made available through the Site, you agree to provide accurate, complete, and current purchase and billing information.
By completing a purchase, you authorize the applicable payment processor, platform, or merchant provider to charge the payment method you provide for all amounts due, including any applicable taxes, fees, or recurring charges disclosed at the time of purchase.
Prices, descriptions, availability, formats, delivery methods, and offerings may change at any time without notice.
We reserve the right to refuse, cancel, limit, suspend, or reverse any order or transaction where we believe there has been an error, misuse, fraud, unauthorized activity, payment issue, policy violation, pricing mistake, technical issue, or other problem.

9. Refund Policy
All purchases are subject to our Refund Policy, which is incorporated into these Terms by reference.
Unless otherwise required by applicable law, all sales of digital products, downloads, memberships, paid content, educational materials, and related offerings are final and non-refundable.
By completing a purchase, you acknowledge and agree that you reviewed the product description, purchase terms, and Refund Policy before purchasing.

10. Memberships, Subscriptions, Accounts, and Restricted Access
If the Site offers memberships, subscriptions, user accounts, paid access areas, or restricted content, you are responsible for maintaining the confidentiality of your login credentials, account information, and access links.
You agree not to share, sell, transfer, assign, disclose, or make available your account access, paid content, restricted materials, download links, or membership credentials to any other person.
If recurring billing is offered, the billing terms, renewal terms, cancellation terms, and payment frequency will be disclosed at or before purchase.
Cancellation of a subscription or membership, if available, will stop future billing but will not entitle you to a refund for prior charges, current billing periods, unused time, unread content, unused downloads, or failure to use the membership, except where required by applicable law.
We reserve the right to suspend, terminate, or restrict access to accounts, memberships, subscriptions, downloads, or restricted content if we believe there has been unauthorized sharing, payment failure, chargeback abuse, suspicious activity, fraud, misuse, or violation of these Terms.

11. Third-Party Links, Platforms, and Services
The Site may contain links to third-party websites, platforms, retailers, booksellers, payment processors, scheduling tools, email providers, affiliate partners, social media platforms, advertising networks, analytics tools, or other services.
These links are provided for convenience and informational purposes only.
We do not own, operate, control, endorse, guarantee, or assume responsibility for any third-party websites, products, services, platforms, policies, privacy practices, security practices, availability, pricing, fulfillment, refunds, customer support, actions, or omissions.
Your use of third-party websites or services is at your own risk and subject to the third party’s own terms, privacy policies, refund policies, and procedures.

12. Amazon, KDP, Retailers, and External Book Platforms
Books, eBooks, paperbacks, hardcovers, audiobooks, and related products purchased through Amazon, Kindle Direct Publishing, Audible, retailers, distributors, marketplaces, or other third-party platforms are governed by the terms, pricing, policies, refund rules, delivery procedures, account rules, and customer service practices of those platforms.
JM Consulting and Publication does not control and is not responsible for third-party retailer policies, order issues, delivery problems, account restrictions, refunds, pricing changes, reviews, rankings, recommendations, platform errors, or platform decisions.

13. Affiliate Links, Advertising, and Sponsored Content
The Site may include affiliate links, referral links, sponsored content, paid promotions, advertisements, product recommendations, or other commercial relationships.
If you click certain links or make purchases through certain links, JM Consulting and Publication may receive compensation at no additional cost to you.
Any opinions, reviews, references, recommendations, examples, or promotional statements are provided for informational purposes only and should not be interpreted as guarantees, professional advice, or assurances that a product or service is suitable for your needs.
You are responsible for independently evaluating any product, service, platform, or recommendation before purchasing or relying on it.

14. AI-Assisted Content
Some content, images, examples, summaries, outlines, articles, guides, visuals, written materials, research organization, or other resources may be created, edited, enhanced, organized, or supported with the assistance of artificial intelligence tools.
AI-assisted content may contain errors, omissions, inaccuracies, outdated information, or interpretations that require independent verification.
All AI-assisted content is provided for educational and informational purposes only and should not be relied upon as professional advice.
You are responsible for independently reviewing and verifying any information before relying on it.

15. Email Communications
By providing your email address, subscribing to a mailing list, downloading content, purchasing a product, requesting information, or otherwise interacting with the Site, you may receive emails from JM Consulting and Publication.
These emails may include newsletters, educational content, product updates, promotional messages, announcements, transaction confirmations, administrative notices, policy updates, or other communications.
You may unsubscribe from marketing emails by using the unsubscribe link included in applicable emails or by contacting us at info@jmconsultingandpublication.com.
Unsubscribing from marketing emails does not prevent us from sending transactional, legal, security, administrative, or purchase-related communications where permitted by law.

16. User Submissions and Communications
If you submit comments, messages, testimonials, reviews, feedback, ideas, suggestions, questions, files, forms, or other materials to us, you represent and warrant that:
1.    You have the right to submit the materials.
2.    The materials do not violate any law, contract, privacy right, intellectual property right, or third-party right.
3.    The materials are not false, defamatory, abusive, obscene, threatening, harmful, unlawful, or misleading.
4.    The materials do not contain viruses, malware, or harmful code.
Unless otherwise agreed in writing, you grant JM Consulting and Publication a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, transferable license to use, reproduce, modify, publish, display, distribute, excerpt, and incorporate your feedback, suggestions, testimonials, reviews, or non-confidential submissions for business, marketing, operational, educational, promotional, or content-improvement purposes.
You should not submit confidential, proprietary, sensitive, or unlawful information through the Site unless specifically requested and protected by a separate written agreement.

17. Testimonials, Examples, and Results
The Site may include testimonials, examples, case studies, hypothetical scenarios, educational illustrations, reviews, or user experiences.
These materials are provided for informational and illustrative purposes only.
They do not guarantee that you will achieve the same or similar results. Individual outcomes vary based on many factors, including personal effort, experience, background, resources, market conditions, timing, interpretation, implementation, and circumstances outside our control.

18. No Guarantees
JM Consulting and Publication does not guarantee any specific result, outcome, income, revenue, profit, savings, business success, investment performance, personal improvement, educational achievement, technological result, legal outcome, financial result, health outcome, or other benefit from using the Site, content, products, services, downloads, recommendations, or materials.
You are solely responsible for your own decisions, actions, interpretations, and outcomes.

19. Errors, Omissions, and Availability
We make reasonable efforts to provide useful and accurate information, but we do not guarantee that Site content will always be complete, accurate, current, available, or free from errors.
The Site may contain typographical errors, outdated information, technical issues, broken links, incomplete content, pricing errors, availability errors, or other inaccuracies.
We reserve the right to correct errors, update information, change or remove content, modify offerings, or cancel orders affected by errors at any time without prior notice.

20. No Warranties
The Site and all content, products, downloads, memberships, services, links, tools, resources, and materials are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
To the fullest extent permitted by law, JM Consulting and Publication disclaims all warranties, including but not limited to warranties of accuracy, completeness, reliability, timeliness, merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted availability, security, and error-free operation.
We do not warrant that:
1.    The Site will always be available, uninterrupted, secure, or error-free.
2.    Site content will always be complete, accurate, current, or suitable.
3.    Downloads or files will be free from viruses, malware, or harmful components.
4.    Defects or technical issues will be corrected.
5.    Third-party platforms will operate properly.
6.    Any content, product, download, membership, service, or material will meet your expectations or needs.

21. Limitation of Liability
To the fullest extent permitted by applicable law, JM Consulting and Publication, including its owners, authors, contributors, affiliates, representatives, contractors, service providers, successors, and assigns, shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages arising out of or related to:
1.    Your access to or use of the Site.
2.    Your inability to access or use the Site.
3.    Your reliance on any Site content, product, download, service, recommendation, statement, example, or third-party link.
4.    Any decisions, actions, interpretations, or outcomes based on Site content.
5.    Digital product access issues, download issues, file issues, or technical problems.
6.    Errors, omissions, interruptions, delays, defects, security issues, or system failures.
7.    Loss of data, profits, revenue, business opportunities, goodwill, reputation, savings, or other intangible losses.
8.    Third-party platforms, products, services, links, policies, actions, or omissions.
9.    Unauthorized access, hacking, fraud, misuse, viruses, malware, or harmful activity by third parties.
10.    Chargebacks, payment disputes, or payment processor decisions.
11.    Use of AI-assisted content or reliance on content that may require independent verification.
This limitation applies even if JM Consulting and Publication has been advised of the possibility of such damages.
Where liability cannot be fully excluded under applicable law, liability shall be limited to the maximum extent permitted by law.

22. Indemnification
You agree to indemnify, defend, and hold harmless JM Consulting and Publication, including its owners, authors, contributors, affiliates, representatives, contractors, service providers, successors, and assigns, from and against any claims, liabilities, damages, losses, costs, expenses, demands, actions, judgments, settlements, and fees, including reasonable attorneys’ fees, arising out of or related to:
1.    Your access to, use of, or misuse of the Site.
2.    Your violation of these Terms or any posted policy.
3.    Your violation of any law, regulation, contract, or third-party right.
4.    Your reliance on Site content.
5.    Your purchase, download, access, sharing, or use of digital materials.
6.    Your user submissions, communications, reviews, testimonials, or feedback.
7.    Your unauthorized use of Company intellectual property.
8.    Your fraud, misconduct, negligence, or unlawful activity.
9.    Your chargebacks, payment disputes, payment failures, or transaction issues.
10.    Your violation of any third-party platform’s terms or policies.

23. Chargebacks and Payment Disputes
You agree to contact JM Consulting and Publication at info@jmconsultingandpublication.com before initiating a chargeback, payment dispute, reversal, or claim with your bank, credit card provider, payment processor, or financial institution.
If you initiate a chargeback after receiving access to digital content, downloads, memberships, paid materials, or services, we reserve the right to provide evidence of purchase, delivery, download activity, access records, account activity, agreement to policies, communications, and related records to the applicable payment processor, bank, financial institution, or dispute-resolution provider.
We reserve the right to suspend or terminate access to current or future products, downloads, memberships, services, accounts, communications, or Site features in connection with chargebacks, payment disputes, fraud, abuse, suspected misuse, or policy violations.

24. Privacy
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
By using the Site, you acknowledge that you have reviewed our Privacy Policy.

25. Refund Policy and Disclaimer
Your use of the Site and any purchase made through or in connection with the Site are also governed by our Refund Policy and Website Disclaimer, which are incorporated into these Terms by reference.
By using the Site or completing a purchase, you acknowledge that you have reviewed and agreed to those policies.

26. Termination or Restriction of Access
We reserve the right to suspend, restrict, disable, or terminate your access to the Site, products, downloads, memberships, services, communications, accounts, or other offerings at any time, with or without notice, if we believe that you have:
1.    Violated these Terms.
2.    Violated any applicable law.
3.    Misused the Site or Company content.
4.    Shared, copied, resold, or distributed protected materials without permission.
5.    Failed to pay amounts due.
6.    Initiated improper chargebacks or payment disputes.
7.    Engaged in fraud, abuse, harassment, or harmful conduct.
8.    Harmed or attempted to harm the Company, its users, its systems, or its business interests.
Termination or restriction of access does not waive any rights or remedies available to the Company.

27. Changes to the Site and Offerings
We may update, modify, suspend, discontinue, remove, restrict, replace, or change any part of the Site, content, products, services, memberships, pricing, downloads, features, policies, or offerings at any time without prior notice.
We are not liable for any modification, suspension, discontinuation, unavailability, or removal of the Site or any offering.

28. Changes to These Terms
We may update, revise, or modify these Terms at any time.
When we do, we will update the “Last Updated” date above. Updated Terms will be effective immediately upon posting unless otherwise stated.
Your continued use of the Site after updated Terms are posted constitutes your acceptance of the updated Terms.
If you do not agree to the updated Terms, you must stop using the Site.

29. Electronic Communications
By using the Site, submitting information, subscribing to emails, creating an account, downloading materials, or completing a purchase, you consent to receive communications from us electronically.
You agree that electronic communications, notices, disclosures, policies, and agreements satisfy any legal requirement that such communications be in writing.

30. Governing Law
These Terms and any dispute, claim, or controversy arising out of or relating to the Site, content, products, services, purchases, downloads, memberships, communications, or policies shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

31. Venue and Jurisdiction
To the fullest extent permitted by law, you agree that any dispute, claim, lawsuit, or legal proceeding arising out of or relating to these Terms, the Site, the Company, or any related content, product, service, policy, or communication shall be brought exclusively in the state courts located in Lee County, Florida, or the federal courts serving Lee County, Florida.
You consent to the personal jurisdiction and venue of such courts.

32. Class Action Waiver
To the fullest extent permitted by applicable law, you agree that any dispute, claim, or proceeding shall be brought only on an individual basis and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative action.
You agree to waive any right to participate in a class action, class arbitration, collective action, or representative proceeding against JM Consulting and Publication, unless such waiver is prohibited by applicable law.

33. Severability
If any provision of these Terms is found to be unlawful, void, invalid, or unenforceable, that provision shall be deemed severed or modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

34. No Waiver
Our failure to enforce any provision of these Terms shall not be considered a waiver of our right to enforce that provision or any other provision in the future.
Any waiver must be in writing and signed by an authorized representative of the Company.

35. Assignment
You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written permission.
We may assign, transfer, or delegate our rights and obligations at our discretion, including in connection with a business transfer, merger, acquisition, reorganization, sale of assets, or change in ownership.

36. Force Majeure
We shall not be liable for any delay, failure, interruption, or inability to perform resulting from events beyond our reasonable control, including but not limited to acts of God, natural disasters, power outages, internet failures, cyberattacks, labor disputes, supply disruptions, platform outages, payment processor issues, governmental actions, war, terrorism, civil unrest, public health emergencies, or other circumstances outside our control.

37. Entire Agreement
These Terms, together with the Privacy Policy, Refund Policy, Website Disclaimer, and any other legal notices, agreements, or policies posted on the Site, constitute the entire agreement between you and JM Consulting and Publication regarding your use of the Site.
These Terms supersede any prior or contemporaneous communications, understandings, or agreements regarding the Site.

38. Contact Information
If you have questions about these Terms, you may contact us at:
JM Consulting and Publication
Website: www.jmconsultingandpublication.com
Email: info@jmconsultingandpublication.com