Terms and Conditions

Last Updated June 30, 2023 

INTRODUCTION.

Welcome to Cerebral Wealth Academy ("Company," "we," "us," or "our"). These terms and conditions ("Terms") govern your access to and use of our website, services, and any related content, materials, or information provided by our company. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree with these Terms, please refrain from accessing or using our website and services.

By accessing our website, you confirm that you have read, understood, and accepted these Terms, as well as our Privacy Policy. If you have any questions regarding these Terms or our services, please contact us for clarification.

Our website and services are intended for individuals and businesses seeking tax planning, tax preparation, business consulting, IRS and State audit representation, bookkeeping, and intermediary services for business formation. These services are designed to assist you in achieving tax compliance, optimizing your financial strategies, and obtaining relevant insights related to your tax matters.

We reserve the right to modify, update, or discontinue our website and services at any time, without prior notice. We may also update these Terms from time to time, and any changes will be effective immediately upon posting the revised Terms on our website. It is your responsibility to review these Terms periodically to stay informed about any updates.

Your continued use of our website and services after any modifications to these Terms constitutes your acceptance of the revised Terms.

If you have any questions or concerns regarding these Terms or our services, please contact us using the information provided below.

DESCRIPTION OF SERVICES.

We offer an online tax planning course specifically designed for medical professionals. This course aims to provide valuable insights and guidance on various tax-related matters to help medical professionals optimize their financial situations. The course covers essential topics and strategies related to tax planning, deductions, credits, and compliance requirements specific to the medical profession.

• Online Tax Planning Course: Our online tax planning course is a comprehensive resource that educates medical professionals on tax-related matters. The course material is carefully curated and presented in a user-friendly format, allowing participants to learn at their own pace. The course includes interactive modules, instructional videos, case studies, and practical examples to enhance the learning experience.
• Expert Guidance: Throughout the course, participants will receive expert guidance from experienced tax professionals specializing in tax planning. Our team of experts will provide insights, answer questions, and offer personalized advice to address the unique tax situations faced by medical professionals.
• Topics Covered: The online tax planning course for medical professionals covers a range of important topics, including but not limited to:
  • Overview of tax laws and regulations applicable to medical professionals
  • Maximizing deductions and credits specific to the medical field
  • Strategies for managing income and expenses effectively
  • Retirement planning and tax implications
  • Tax considerations for self-employed medical professionals
  • Compliance requirements and record-keeping best practices
  • Changes in tax laws and updates relevant to the medical profession
• Personalized Situations: The course material is intended to provide general guidance and principles for tax planning in the medical field. However, each participant's tax situation may be unique. The course does not address specific personal circumstances or provide individualized tax advice. Participants are responsible for assessing their own situations and consulting with appropriate professionals for personalized advice.

Please note that enrollment in the online tax planning course is subject to the terms and conditions provided upon registration. These terms and conditions outline the rights and obligations of participants, as well as any disclaimers and limitations of liability.

DISCLAIMER.

The following disclaimer applies to the online tax planning course offered by us, including any videos, materials, or content provided as part of the course. By accessing and using the course, you acknowledge and agree to the terms of this disclaimer.

• Educational Purposes: The online tax planning course is provided for educational purposes only. The course content, including videos, materials, and information, is intended to provide general knowledge and guidance on tax-related topics. It is not intended to be a substitute for professional advice or personalized consultation with a qualified tax advisor.
• Not Legal or Financial Advice: The course material, including videos, should not be considered as legal, financial, or tax advice specific to your individual circumstances. The course content is not a substitute for consulting with a qualified tax professional or legal advisor. We recommend that you seek personalized advice from professionals who are familiar with your particular tax situation before making any decisions or taking any actions based on the course material.
• Accuracy of Information: While we strive to provide accurate and up-to-date information, tax laws and regulations are subject to change. We make no representations or warranties of any kind, express or implied, about the accuracy, completeness, or applicability of the course material. We do not assume any liability for errors, omissions, or inconsistencies in the course content.
• No Guarantee of Results: The course material, including videos, does not guarantee any specific tax outcome or financial result. The effectiveness of tax planning strategies may vary depending on individual circumstances, changing tax laws, and other factors beyond our control. We do not guarantee any particular tax savings, deductions, or credits as a result of participating in the course.
• No Client Relationship: Participating in the online tax planning course does not establish a client relationship with us. The course is a general educational resource and does not create an advisory or professional services engagement. If you require personalized tax advice or services, please contact us separately to discuss engagement terms.
• Third-Party Content and Links: The course may include references, links, or content provided by third parties. We do not endorse or assume responsibility for the accuracy, reliability, or legality of any third-party content. Any reliance on third-party content or links is at your own risk, and we recommend independently verifying the information provided.
• No Endorsement: Any mention of specific products, services, or organizations within the course is for informational purposes only and does not constitute an endorsement or recommendation. We do not guarantee the quality, suitability, or reliability of any third-party products, services, or organizations mentioned in the course material.

Please carefully review and understand this disclaimer before accessing and using the online tax planning course.

LIMITATION OF LIABILITY.

The following limitation of liability provision applies to your use of OUR online tax planning. By accessing and using the course, you acknowledge and agree to the terms of this provision.

• No Guarantee of Results: We provide the online tax planning course for educational purposes and general guidance. While we strive to provide accurate and valuable information, we cannot guarantee any specific results or outcomes as a result of your participation in the course. The effectiveness of tax planning strategies may vary depending on individual circumstances, changing tax laws, and other factors beyond our control.
• Disclaimer of Damages: To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the online tax planning course. This includes but is not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
• No Professional Relationship: Participating in the online tax planning course does not establish a client relationship or professional engagement between you and Cerebral Wealth Academy.The course is an educational resource and does not provide personalized tax advice or services. You should consult with a qualified tax professional or advisor for specific advice tailored to your individual circumstances.
• Release and Indemnification: You agree to release, indemnify, and hold harmless Cerebral Wealth Academy, and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of the online tax planning course or any violation of these Terms and Conditions.
• Limitation of Liability: OUR LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THE ONLINE TAX PLANNING COURSE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU FOR ACCESSING THE COURSE. THIS LIMITATION OF LIABILITY APPLIES TO ALL CLAIMS, INCLUDING BUT NOT LIMITED TO THOSE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

Please carefully review and understand this limitation of liability provision before accessing and using the online tax planning course. If you have any questions or concerns regarding the limitation of liability, please contact us using the information provided below.

CLIENT RESPONSIBILITIES.

By enrolling in our online tax planning course at Cerebral Wealth Academy, you agree to assume certain responsibilities to facilitate a smooth and effective learning experience. These responsibilities are essential for ensuring the maximum benefit and value from the course. Please review and understand the following client responsibilities:

• Accurate and Complete Information: You are responsible for providing accurate and complete information relevant to your tax planning needs and circumstances. This includes any personal or financial data required for the course activities and assignments. It is important to provide correct and comprehensive information to ensure the accuracy and effectiveness of the course content and exercises.
• Timely Participation and Engagement: Timely participation is essential for maximizing the benefits of the online tax planning course. You agree to engage actively in the course activities, such as watching the instructional videos, completing assignments, and participating in any interactive elements. Delays in participation may hinder your learning progress and limit the opportunity to apply the concepts covered in the course.
• Confidentiality and Non-Disclosure: You understand and agree to maintain the confidentiality of any course materials, proprietary information, or intellectual property provided by Cerebral Wealth Academy. The course content is for your personal use and should not be shared, reproduced, or distributed without our explicit consent.
• Compliance with Course Requirements: You agree to comply with the course requirements and guidelines outlined in the course materials and instructions. This includes adhering to any submission deadlines, following the code of conduct for online interactions, and respecting the rights and opinions of fellow participants.
• Independent Learning: While the course provides valuable information and guidance, it is important to note that the online tax planning course does not establish an advisory or professional services engagement with Cerebral Wealth Academy. The course is intended to enhance your understanding of tax planning concepts, but it does not replace personalized advice from qualified tax professionals.

Please note that the above client responsibilities are specific to the online tax planning course and may be subject to additional terms and conditions outlined within the course materials.

PAYMENT TERMS.

By enrolling in our online tax planning course, you agree to comply with the following payment terms:

• Course Fee: The fee for the online tax planning course will be communicated to you prior to enrollment. The course fee covers access to the course material, instructional videos, and any supplementary resources provided as part of the course.
• Payment Schedule: You agree to make the full payment for the online tax planning course according to the specified payment schedule. The payment schedule will be communicated to you at the time of enrollment and may include upfront payment or installment options, as determined by Cerebral Wealth Academy.
• Payment Method: Payments for the online tax planning course are to be made using the designated payment methods specified by Cerebral Wealth Academy. These methods may include electronic funds transfer (EFT), credit card payments, or other accepted payment methods. You are responsible for any fees or charges associated with the chosen payment method.
• Timely Payments: Timely payment is essential to ensure uninterrupted access to the online tax planning course. You agree to make all payments according to the agreed-upon due dates specified in the payment schedule. Delays in payment may result in a temporary suspension of your course access until payment is received.
• Late Payments: In the event of late payment, you may be subject to late payment fees or interest charges as specified in the payment schedule. These charges are intended to cover the costs and inconveniences caused by delayed payments. Failure to make payments within the agreed-upon timeframes may result in the suspension or termination of your access to the course.
• Non-Transferability: The course fee is non-transferable and non-refundable, except as expressly stated in our refund policy, if applicable. You may not transfer or assign your enrollment or course access to another individual or entity without prior written consent from us.

Changes to Fee Structure: Cerebral Wealth Academy reserves the right to revise the fee structure for the online tax planning course with proper notice. Any changes to the fee structure will be communicated to you in advance, and you will have the option to accept or decline the revised fee structure.

Please review and understand the payment terms before enrolling in the online tax planning course.

INTELLECTUAL PROPERTY RIGHTS.

We are owner or licensee of all intellectual property rights associated with our website, services, and any related content or materials. These intellectual property rights include, but are not limited to, copyrights, trademarks, logos, trade secrets, and any other proprietary rights.

• Ownership and Reservation of Rights: All intellectual property rights, whether registered or unregistered, pertaining to our website, services, and related content, are the sole property of Cerebral Wealth Academy or our licensors. These rights are protected by applicable laws and international treaties.
• Limited License: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website and services for personal or business purposes. This license does not grant you any ownership or rights to the intellectual property of Cerebral Wealth Academy.
• Prohibited Use: You are expressly prohibited from using, reproducing, modifying, distributing, or transmitting any of our intellectual property without our prior written consent. This includes, but is not limited to, copying or reproducing our website content, logo, trademarks, or any other proprietary materials. You may not use our intellectual property for commercial purposes or in a manner that could cause confusion or imply endorsement by Cerebral Wealth Academy.
• Trademarks: All trademarks, service marks, logos, and trade names displayed on our website are the registered or unregistered trademarks of Cerebral Wealth Academy or our licensors. Any unauthorized use of these trademarks is strictly prohibited. You may not use our trademarks in connection with any product or service that is not authorized by us, or in any manner that may cause confusion among customers or dilute the distinctiveness of our trademarks.
• Copyright Infringement: We respect the intellectual property rights of others and expect our users to do the same. If you believe that any content on our website infringes upon your copyrights, please notify us promptly. We will investigate and take appropriate action as required by law.
• User-Generated Content: In the event that you submit or contribute any content to our website, including feedback, comments, or suggestions, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, modify, reproduce, distribute, and display that content for any purpose related to our business. You represent and warrant that you have the necessary rights and permissions to grant us such a license.
• Third-Party Intellectual Property: We respect the intellectual property rights of third parties and expect our users to do the same. If you believe that any content on our website infringes upon the rights of a third party, please notify us promptly. We will investigate and take appropriate action, which may include removing the infringing content or disabling access to it.

Any unauthorized use of our intellectual property may result in legal action, including claims for damages and injunctions to prevent further infringement. We reserve all rights not expressly granted in these Terms.

PRIVACY AND DATA COLLECTION.

Please refer to our Privacy Policy, available at [insert link to your Privacy Policy], for detailed information on how we collect, use, store, and protect your personal information. Our Privacy Policy outlines our data collection practices, the types of information we collect, the purposes for which we use your information, and the security measures we have in place to safeguard your data. By accessing our website and using our services, you acknowledge and agree to the terms of our Privacy Policy.

If you have any questions or concerns regarding our privacy practices, please contact us using the information provided below.

Email: [email protected]

Phone: 865-281-1461

Thank you for entrusting us with your personal information. We are committed to protecting your privacy and ensuring the security of your data.

GOVERNING LAW AND JURISDICTION.

These Terms and Conditions, including any disputes arising out of or in connection with your use of our website and services, shall be governed by and construed in accordance with the laws of the state of Tennessee, United States. By accessing our website and using our services, you agree to submit to the exclusive jurisdiction of the courts located in Tennessee for the resolution of any disputes.

• Choice of Law: These Terms and Conditions shall be governed by and construed in accordance with the laws of the state of Tennessee, without regard to its conflict of law provisions.
• Dispute Resolution: If any dispute arises between you and Cerebral Wealth Academy, relating to these Terms and Conditions or the use of our website and services, we encourage you to contact us first to seek a resolution. We will make reasonable efforts to resolve any concerns or disputes amicably.
• Jurisdiction and Venue: You agree that any legal action or proceeding arising out of or in connection with these Terms and Conditions or your use of our website and services shall be brought exclusively in the state or federal courts located in the state of Tennessee. You hereby consent to the personal jurisdiction of such courts and waive any objection based on inconvenient forum.
• Compliance with Local Laws: You are solely responsible for compliance with all applicable laws and regulations of the jurisdiction from which you access our website and use our services. We make no representation that our website or services are appropriate or available for use in other locations. If you choose to access our website or use our services from other jurisdictions, you do so at your own risk and are responsible for compliance with local laws.

Please note that this governing law and jurisdiction provision is subject to any mandatory consumer protection laws or other applicable laws that may provide you with additional rights or remedies.

MODIFICATIONS.

We reserve the right to modify, update, or change these Terms and Conditions at any time and without prior notice. Any modifications will be effective immediately upon posting on our website. It is your responsibility to review these Terms and Conditions periodically to stay informed of any updates or changes. By continuing to access our website and use our services after the modifications have been made, you agree to be bound by the revised Terms and Conditions.

• Changes to Terms and Conditions: We may modify these Terms and Conditions to reflect changes in our business practices, legal requirements, or improvements to our services. We will make reasonable efforts to provide notice of material changes to these Terms and Conditions. Such notice may be provided through our website, by email, or by other means we deem appropriate. It is your responsibility to review the updated Terms and Conditions.
• Continued Use: By continuing to access our website and use our services after the modifications have been made, you indicate your acceptance of the modified Terms and Conditions. If you do not agree with the modified Terms and Conditions, you should discontinue using our website and services.
• Effect on Prior Agreements: Any modifications to these Terms and Conditions will apply prospectively and will not affect any rights or obligations that arose prior to the effective date of the modifications. If you have entered into any separate agreements with us, the terms of those agreements will prevail in the event of any inconsistency with these Terms and Conditions, unless expressly stated otherwise.
• Right to Terminate: We reserve the right to terminate, suspend, or restrict your access to our website and services, in whole or in part, at our sole discretion and without liability, if you fail to comply with these Terms and Conditions or for any other reason we deem necessary.

Please note that any modifications to these Terms and Conditions will not affect our commitment to protecting your privacy and maintaining the confidentiality and security of your personal information. Our privacy practices are governed by our Privacy Policy.

SEVERABILITY.

If any provision of these Terms and Conditions is found to be unenforceable, invalid, or unlawful under any applicable law, such provision shall be severed from these Terms and Conditions, and the remaining provisions shall remain in full force and effect to the maximum extent permitted by law. The unenforceable, invalid, or unlawful provision shall be replaced by a valid and enforceable provision that achieves, as closely as possible, the economic, legal, and commercial objectives of the original provision.

•  Effect of Severability: The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the other provisions of these Terms and Conditions. The parties agree that any invalid or unenforceable provision shall be modified or limited to the extent necessary to render it valid and enforceable to the fullest extent permitted by applicable law.
•  Construction: In the event of any inconsistency between these Terms and Conditions and any other agreements between you and Cerebral Wealth Academy, the provisions of these Terms and Conditions shall prevail, unless expressly stated otherwise.

Please note that the severability provision is intended to preserve the enforceability and validity of the remaining provisions of these Terms and Conditions in the event that any provision is determined to be unenforceable or invalid.

THIRD-PARTY LINKS.

Our website may contain links to third-party websites or services that are not owned or controlled by us. We provide these links for your convenience and reference. Please note that we have no control over the content, privacy practices, or policies of these third-party websites or services. This provision outlines your responsibilities and acknowledges that we are not responsible for any third-party content or services.

• Third-Party Websites: Our website may include links to third-party websites that are not affiliated with or endorsed by us. These links are provided for informational purposes only, and we do not have any control over the content, accuracy, or availability of these websites. The inclusion of any third-party link does not imply our endorsement or recommendation of the website or its content.
• Third-Party Services: We may also provide links to third-party services or applications that complement or enhance our services. These third-party services are provided by independent entities, and we are not responsible for their performance, functionality, or any issues that may arise from their use. Your use of any third-party service is subject to the terms and conditions and privacy policies of that service provider.
• Disclaimer of Liability: Your use of any third-party website or service is at your own risk. We shall not be liable for any damages, losses, or expenses that may arise from your use of third-party websites or services, including, but not limited to, any content, advertising, products, or other materials on or available through such websites or services.
• Separate Terms and Conditions: When you access a third-party website or service through our website, please review their terms and conditions and privacy policies. Your interactions with these third-party websites or services are governed by their own terms and conditions, which may differ from ours. We are not responsible for any agreements, transactions, or interactions between you and any third party, even if accessed through our website.
• No Endorsement: The presence of a third-party link on our website does not imply any endorsement, sponsorship, or affiliation between us and the linked website or service. We do not guarantee the accuracy, completeness, or reliability of any information, materials, or content provided by third parties.
• Reporting Links: If you believe that any third-party link provided on our website is inappropriate, broken, or leads to harmful content, please contact us promptly so that we may investigate and take appropriate action.

Please note that this provision applies solely to your use of third-party websites or services accessed through our website. Your use of our website and services is governed by our Terms and Conditions and Privacy Policy.

INDEMNIFICATION.

You agree to indemnify, defend, and hold harmless us, our directors, officers, employees, affiliates, and agents, from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in connection with your use of our website and services, your violation of these Terms and Conditions, or your violation of any rights of any third party.

Scope of Indemnification: You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, proceedings, liabilities, damages, losses, costs, and expenses arising out of or in connection with:

• Your use of our website and services.
• Any content you submit, post, transmit, or otherwise make available through our website.
• Your violation of these Terms and Conditions.
• Your violation of any applicable laws or regulations.
• Your violation of any rights of any third party.
• Any unauthorized use or disclosure of confidential information or personal data.
• Any claims or disputes between you and any third party arising from or related to your interactions or transactions with such third party.

Defense and Settlement: We reserve the right, at our own expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You shall not settle any claim that imposes any obligation or liability on us without our prior written consent.

Notice of Claim: If a claim is made against you or us that may give rise to indemnification under these Terms and Conditions, you shall promptly notify us in writing of such claim. Failure to provide prompt notice may relieve us of our obligations to indemnify you to the extent that our ability to defend against such claim is materially prejudiced.

Limitation of Liability: Our indemnification obligations shall be limited to the extent permitted by applicable law. In no event shall our aggregate liability for all claims under this indemnification provision exceed the amount paid by you, if any, for accessing our website or using our services during the six-month period preceding the event giving rise to the claim.

Survival: The indemnification obligations set forth in this provision shall survive the termination or expiration of these Terms and Conditions.

Please note that this indemnification provision is subject to any mandatory legal requirements or limitations imposed by applicable law.

FORCE MAJEURE.

We shall not be liable or responsible for any failure to perform, delay in performance, or interruption of our obligations under these Terms and Conditions if such failure, delay, or interruption is caused by a Force Majeure event. A Force Majeure event refers to any event or circumstance beyond our reasonable control, including, but not limited to, acts of God, natural disasters, fires, floods, explosions, wars, terrorist acts, civil unrest, strikes, labor disputes, government actions, power failures, or any other event or circumstance that is unforeseeable and beyond our control.

• Notice of Force Majeure: In the event of a Force Majeure event that affects our ability to perform our obligations under these Terms and Conditions, we shall promptly notify you in writing of the nature and extent of the event and its expected duration. We will make reasonable efforts to mitigate the effects of the Force Majeure event and resume our obligations as soon as reasonably practicable.
• Excused Performance: During the period in which the Force Majeure event continues, our performance under these Terms and Conditions shall be suspended to the extent that it is affected by the event. We shall not be deemed to be in breach of these Terms and Conditions or liable for any damages arising out of such suspension or delay in performance.
• Termination: If a Force Majeure event continues for a prolonged period and substantially affects the performance of our obligations under these Terms and Conditions, either party may choose to terminate these Terms and Conditions by providing written notice to the other party. In such cases, neither party shall be liable to the other for any damages or losses resulting from the termination.
• No Waiver: The occurrence of a Force Majeure event shall not constitute a waiver of our rights or remedies under these Terms and Conditions, unless expressly stated otherwise. Our failure to exercise or enforce any right or provision under these Terms and Conditions in relation to a Force Majeure event shall not be deemed a waiver of such right or provision.
• Severability: If any provision of this Force Majeure provision is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render the remaining provisions of this provision unenforceable or invalid. The unenforceable or invalid provision shall be replaced by a valid and enforceable provision that comes closest to the intention of the original provision.

Please note that this Force Majeure provision is subject to any mandatory legal requirements or limitations imposed by applicable law.

HEADINGS.

The headings used in these Terms and Conditions are for convenience and reference purposes only. They do not limit, interpret, or define the scope or intent of the provisions contained herein. The headings are not intended to be legally binding or to affect the meaning or interpretation of these Terms and Conditions.

• Interpretation: The provisions contained in these Terms and Conditions shall be interpreted in accordance with their plain meaning and intent, regardless of any headings or titles.
• Organization and Structure: The headings used throughout these Terms and Conditions are provided to aid in navigating and understanding the content. They are organized in a logical manner and reflect the general subject matter of the respective sections.
• Non-Exclusive: The headings used in these Terms and Conditions are not an exhaustive representation of the topics covered. Other terms and concepts may be included in each section, regardless of whether they are explicitly stated in the headings.
• No Legal Significance: The headings are not intended to have any legal significance or to modify or alter the rights and obligations of the parties under these Terms and Conditions. They are simply a structural element to enhance readability.

Please note that the headings provision is included for organizational purposes and does not impact the substantive rights and obligations set forth in these Terms and Conditions.

WAIVER.

The failure to enforce any right or provision of these Terms and Conditions shall not be deemed a waiver of such right or provision. No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

NOTICE.

Any notice or communication required or permitted to be given under these Terms and Conditions shall be provided in writing and delivered by one of the following methods:

• Email: Notices sent by email shall be deemed effective upon transmission, provided that the sender has obtained electronic confirmation of successful delivery or has not received a delivery failure notification.
• Method of Contact: Please use the following contact information for the purposes of delivering notices: [email protected]
• Content of Notice: All notices shall clearly identify the parties involved, provide a brief description of the nature of the notice, and reference the specific section or provision of these Terms and Conditions to which the notice pertains, if applicable.
• Change of Contact Information: It is the responsibility of each party to promptly notify the other party of any changes to their contact information for the purposes of receiving notices. Failure to provide updated contact information may result in delays or missed communications.

Please note that the above method of delivery and timeframe for notice are provided as general guidelines and may be subject to applicable laws or other agreed-upon provisions specific to your engagement with each client.

It is recommended that you retain copies or records of all notices sent or received for future reference or in the event of any disputes or discrepancies.

CONTACT US.

If you have any questions, concerns, or inquiries regarding these Terms and Conditions, or if you need to contact Cerebral Wealth Academy for any reason, please use the following contact information:

Email: [email protected]

Phone: 865-281-1461

Business Hours: Our regular business hours are 9:00am-4:00pm, Eastern. We strive to respond to all inquiries and messages within a reasonable time frame during our business hours.

Preferred Method of Contact: For non-urgent inquiries, we recommend contacting us by email or leaving a voicemail. This allows us to review your inquiry and provide a thoughtful response. For urgent matters or time-sensitive issues, please indicate the urgency in your communication.

Provide Sufficient Information: When contacting us, please provide sufficient information regarding your inquiry or concern. This may include relevant details, such as your name, contact information, account details (if applicable), and a clear description of the issue or question.

Confidentiality: Please be aware that email and other forms of electronic communication may not be secure. While we make reasonable efforts to maintain the confidentiality and security of your communications, we cannot guarantee the privacy of information transmitted through email or other electronic means. Therefore, please exercise caution when sharing sensitive or confidential information.

Response Time: We make every effort to respond to inquiries and messages promptly. However, please note that our response time may vary depending on the volume of inquiries and the nature of your request. We appreciate your patience and understanding.

Additional Contact Information: If there are any changes or updates to our contact information, we will strive to provide you with the most current and accurate details. Please check our website or contact us directly for any updates.

Thank you for reaching out to us. We value your feedback, questions, and concerns, and we will make every effort to assist you to the best of our abilities.

 

Privacy Policy

Last Updated July 3rd, 2023

 

INTRODUCTION.

Welcome to Cerebral Wealth Academy ("we," "us," or "our"). This Privacy Policy governs the collection, use, and protection of information obtained from individuals ("users" or "you") who visit our website, https://www.cerebralwealthacademy.com/ (the "Website"). This Privacy Policy outlines the types of information we collect, how we use and store that information, and your rights regarding your personal data. By accessing or using our Website, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

We are committed to respecting your privacy and protecting your personal information. We understand the importance of maintaining the confidentiality and security of your data. This Privacy Policy explains our practices for handling your information and describes how we collect, process, store, and disclose your data. We comply with applicable privacy laws and regulations to ensure that your information is handled in a responsible and lawful manner.

Please review this Privacy Policy carefully. By using our Website, you consent to the collection and use of your information as described herein. If you do not agree with the practices outlined in this Privacy Policy, please do not access or use our Website.

By continuing to use our Website, you signify your acceptance of this Privacy Policy and your consent to the collection, use, storage, and disclosure of your information in accordance with this Privacy Policy and applicable laws and regulations. If you have any questions or concerns about this Privacy Policy, please contact us using the information provided in the "Contact Us" section below.

We may modify or update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be effective upon posting of the updated Privacy Policy on our Website. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.

TYPES OF INFORMATION COLLECTED.

We may collect personal information, which may include but is not limited to:

• First Name and Last Name: We collect your first name and last name to personalize our communication and provide a more tailored experience.
• Email Address: We collect your email address to send you important updates, notifications, newsletters, and other relevant information.
• Phone Number: We may collect your phone number to facilitate communication and provide assistance related to our services.
• Mailing Address: If provided, we collect your mailing address for purposes such as delivering physical materials or conducting business correspondence.
• Spouse Name and Email Address: If voluntarily provided, we collect the spouse's name and email address for scenarios where joint tax planning or advisory services may be applicable.
• Entity Type of their Business: We collect information regarding the entity type of your business to better understand your tax obligations and provide accurate advice and services.
• Source (where you found us): We may collect information about how you found out about our services to better understand our marketing efforts and enhance our outreach strategies.

Please note that we only collect information that is necessary and relevant to provide our services effectively. You have the option to choose which information to provide; however, certain information may be required to access specific features or receive personalized assistance.

METHODS OF COLLECTION.

We employ various methods to collect information from our users, ensuring that it is obtained in a secure and reliable manner. The following are the primary methods of collection we utilize:

• Newsletter Sign-up: When you choose to subscribe to our newsletter, we collect your email address and any other required information. This enables us to send you updates, news, and other relevant content related to our services. You have the option to unsubscribe from our newsletter at any time by following the instructions provided in the communication.
• Calendly Appointments: To facilitate scheduling and appointments, we may utilize Calendly, a third-party scheduling platform. When you use Calendly to book appointments with us, we may collect certain personal information such as your name, email address, and phone number. This information is used solely for scheduling purposes and to provide you with our services.
• Typeform Forms: We may utilize Typeform, a data collection platform, to gather information from users through customized forms or surveys. The information collected through Typeform may include personal details such as name, email address, and other relevant information related to our services. We use this information to understand your needs and preferences, enabling us to provide you with a personalized experience.
•  Kajabi: We may use Kajabi, an online platform, to deliver our digital content and courses. When you access our content through Kajabi, we may collect certain personal information as necessary to provide you with the content and monitor your progress. The collection and processing of this information by Kajabi are governed by its own privacy policy.

We ensure that the collection of information through these methods is conducted in compliance with applicable data protection laws and regulations. We take appropriate measures to secure the information collected and protect it from unauthorized access, use, or disclosure.

Please note that the information collected through these methods is voluntarily provided by you. You have the option to choose which information to provide, although certain information may be necessary to access specific features or receive personalized services.

PURPOSE OF COLLECTION.

We collect information from our users for specific purposes that are necessary to provide our services, improve user experience, and comply with legal obligations. The following are the primary purposes for which we collect and process your information:

• Corresponding with Users for Appointments and Services: We collect your contact information, such as email address and phone number, to communicate with you regarding appointments, inquiries, and the provision of our services. This allows us to effectively address your needs, respond to your inquiries, and ensure a seamless experience throughout our engagement.
• Newsletter Dissemination: If you have subscribed to our newsletter, we collect your email address to deliver periodic updates, industry insights, promotional offers, and other relevant information about our services. This information helps us keep you informed about the latest developments and provide valuable content tailored to your interests. You have the option to unsubscribe from our newsletter at any time by following the instructions provided in the communication.
• Advertising: In the future, we may use the information collected to support our marketing and advertising efforts. This may include using the information to create remarketing campaigns or to develop lookalike audiences for targeted advertising purposes. These initiatives are aimed at reaching out to individuals who have shown an interest in our services and ensuring that our marketing efforts are relevant and effective.
•  Providing Online Course: If you have enrolled in our online course, we collect and process your information to facilitate your access to the course materials, track your progress, provide personalized learning experiences, and deliver any related support. This information may include your name, email address, course preferences, and learning interactions. We collect this information to fulfill our contractual obligations and provide you with a valuable educational experience.

We process your information for the purposes mentioned above based on our legitimate interests, contract performance, or your consent, as applicable. We ensure that the collection and processing of information are conducted in compliance with applicable laws and regulations.

Please note that we do not use your information for automated decision-making or profiling that produces legal effects or significantly affects you.

MARKETING COMMUNICATIONS.

We may send you marketing communications related to our services, promotional offers, and updates that may be of interest to you. By providing your contact information, such as your email address or phone number, you consent to receive these marketing communications from us.

You have the right to opt out of receiving marketing communications from us at any time. If you no longer wish to receive such communications, you can unsubscribe by following the instructions provided in the communication or by contacting us directly using the information provided in the "Contact Us" section below. Upon receiving your request to unsubscribe, we will promptly remove your contact information from our marketing distribution lists.

Please note that even if you choose not to receive marketing communications, you may still receive non-promotional communications from us, such as appointment confirmations, service-related notifications, or important updates regarding our business.

By providing your contact information and opting in to receive marketing communications, you acknowledge and agree that we may use your information for these purposes. We will handle your information in accordance with applicable data protection laws and regulations, ensuring that appropriate security measures are in place to protect your information from unauthorized access, use, or disclosure.

STORAGE AND SECURITY.

We prioritize the security of your information and take appropriate measures to protect it. When you provide us with your personal information, we ensure its confidentiality and integrity by utilizing secure third-party services for storage.

We store the information we collect from you on servers provided by trusted third-party service providers who employ industry-standard security measures. These providers adhere to rigorous security protocols to safeguard against unauthorized access, use, or disclosure of your information.

While we partner with reputable third-party service providers and choose them carefully, please understand that no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security. However, we continuously strive to maintain the highest possible standards for protecting your information.

We maintain administrative, technical, and physical safeguards to protect your information against loss, theft, unauthorized access, disclosure, alteration, and destruction. This includes:

• Partnering with Secure Service Providers: We carefully select service providers that have robust security measures in place and comply with industry standards.
• Data Transfer Security: We ensure that any transfer of your information to and from these third-party service providers is done using secure protocols, such as secure socket layer technology (SSL) or other encryption methods.
• Regular Security Assessments: We regularly review and assess the security measures of our service providers to verify their ongoing commitment to data protection and to address any potential vulnerabilities.

Although we take these precautions, please be aware that the security of your information during transmission over the internet cannot be guaranteed. Once we receive your information, we apply strict procedures and security features to prevent unauthorized access.

In the event of a data breach that may compromise the security of your personal information held by our service providers, we will work closely with them to take appropriate actions as required by applicable data protection laws.

RETENTION OF INFORMATION.

We retain your information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The specific retention period for each type of information may vary based on the purpose of collection, legal requirements, and business needs.

We will retain your personal information for the duration of our business relationship and as long as necessary to provide you with our services. Once the purpose for which the information was collected is fulfilled, we will securely delete or anonymize your personal information, unless otherwise required by applicable laws and regulations.

Please note that even if you request the deletion of your personal information, we may need to retain certain information as required by law or for legitimate business purposes, such as record-keeping, resolving disputes, enforcing our agreements, or complying with legal obligations.

We regularly review our data retention practices and implement appropriate measures to ensure that your personal information is not kept longer than necessary. If you have any questions regarding our data retention practices or wish to request the deletion of your personal information, please contact us using the information provided in the "Contact Us" section below.

DATA BREACH NOTIFICATION.

In the event of a data breach that compromises the security of your personal information, we are committed to taking prompt action to mitigate the impact and notify you in accordance with applicable data protection laws and regulations. We have implemented security measures to protect your information; however, no system is entirely immune to unauthorized access, and breaches may occur despite our best efforts.

If we become aware of a data breach that is likely to result in a high risk to your rights and freedoms, we will promptly assess the situation and take appropriate steps to address the breach. This includes, but is not limited to, the following:

• Investigation and Remediation: We will conduct a thorough investigation to determine the scope and impact of the data breach. We will take immediate steps to contain the breach and prevent any further unauthorized access.
• Notification to Affected Individuals: If we determine that the breach poses a significant risk to your rights and freedoms, we will notify you without undue delay. We will provide you with information about the nature of the breach, the types of information that may have been compromised, and any recommended actions you can take to protect yourself.
• Notification to Authorities: In certain circumstances, we may be required by law to report the breach to relevant supervisory authorities. We will fulfill any legal obligations regarding data breach notification, including providing the necessary information to the authorities as required by applicable laws and regulations.

Please note that the method of notification may vary depending on the circumstances and legal requirements. We may use reasonable means to notify you, including email, postal mail, telephone, or prominent announcements on our Website.

INFORMATION SHARING.

We do not share your personal information with third parties except as described in this Privacy Policy or as required by applicable laws and regulations. We are committed to protecting the privacy of your information and maintaining its confidentiality.

However, in certain circumstances, we may share your information with trusted third-party service providers or business partners who assist us in delivering our services, improving our Website, or supporting our business operations. These third parties are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using it for any other purposes.

We may share your information in the following situations:

• Service Providers: We may engage third-party service providers to perform certain functions on our behalf. These may include hosting our Website, managing databases, processing payments, providing customer support, or conducting data analytics. These service providers have access to your information only to the extent necessary to perform their functions and are obligated to protect your information in a manner consistent with this Privacy Policy.
• Legal Requirements and Protection: We may disclose your information if required to do so by law or if we believe in good faith that such disclosure is necessary to:
  • Comply with a legal obligation, court order, or government request.
  • Protect our rights, property, or safety, or the rights, property, or safety of our users or others.
  • Investigate or prevent potential illegal activities or fraud.
  • Enforce our agreements or policies.

Please note that we do not sell your personal information to third parties for their direct marketing purposes.

DO NOT TRACK SIGNALS.

Our Website currently does not respond to "Do Not Track" (DNT) signals from web browsers. DNT is a privacy preference that you can set in your web browser to indicate your preference regarding the tracking of your online activities.

While many web browsers support the DNT feature, there is no standard interpretation or industry consensus regarding the meaning of DNT signals. As a result, our Website does not currently recognize or respond to DNT signals.

However, we respect your privacy preferences, and you have the ability to control the use of cookies and tracking technologies as described in our "Consent for Cookies and Tracking" provision. For more information on how to manage your cookie preferences, please refer to that provision.

Please note that even if you have enabled the DNT feature in your web browser, certain third-party services integrated into our Website may still collect and track your online activities in accordance with their own privacy policies. We encourage you to review the privacy policies of these third-party services for more information on their tracking practices.

THIRD-PARTY LINKS.

Our Website may contain links to third-party websites or services that are not operated or controlled by us. These third-party links are provided for your convenience and reference only. Please note that we have no control over the content, policies, or practices of these third-party websites or services.

By clicking on these third-party links, you acknowledge and agree that we are not responsible for the privacy practices or the content of such websites or services. This Privacy Policy applies solely to the information collected by our Website. We encourage you to read the privacy policies of any third-party websites you visit to understand their data collection, use, and disclosure practices.

While we strive to include only reputable and trusted third-party links on our Website, we cannot guarantee the accuracy, completeness, or quality of the information, products, or services provided on these external sites. The inclusion of any third-party link on our Website does not imply our endorsement, sponsorship, or recommendation of the linked website or its content.

Please be aware that when you leave our Website and access a third-party website, your interactions and any information you provide are subject to the terms and policies of that website. We encourage you to exercise caution and review the privacy policies of any website you visit.

THIRD-PARTY SERVICES.

We may utilize services provided by trusted third parties to enhance your experience on our Website, facilitate our business operations, or provide certain functionalities. These third-party services may collect and process your information on our behalf, in accordance with their own privacy policies and applicable data protection laws.

These third-party services may include, but are not limited to:

• Calendly: We may use Calendly, a third-party scheduling platform, to facilitate the booking of appointments with us. When you use Calendly, you may be asked to provide certain personal information. Please note that the collection and processing of your information by Calendly are governed by its own privacy policy.
• ActiveCampaign: We utilize ActiveCampaign as our customer relationship management and marketing automation platform. Your information, such as your name and email address, may be stored and processed by ActiveCampaign on our behalf. ActiveCampaign handles your information in accordance with its own privacy policy.
• Typeform: We may use Typeform, a data collection platform, to gather information from users through customized forms or surveys. The information collected through Typeform is processed and stored by Typeform, and their privacy practices govern the handling of that information.
•  Kajabi: We may use Kajabi, an online platform, to deliver our digital content and courses. When you access our content through Kajabi, we may collect certain personal information as necessary to provide you with the content and monitor your progress. The collection and processing of this information by Kajabi are governed by its own privacy policy.
• Other Third-Party Providers: In addition to the above, we may engage other third-party providers for various services such as analytics, advertising, and payment processing. These providers will have access to your information only to the extent necessary to perform their services and are obligated to protect your information in a manner consistent with this Privacy Policy.

While we carefully select and partner with reputable third-party service providers, please note that we have no control over their privacy practices or the information they collect. We encourage you to review the privacy policies of these third-party services to understand their data collection, use, and disclosure practices.

By accessing or using our Website, you acknowledge and agree that we are not responsible for the actions or privacy practices of these third-party service providers. However, we strive to work with trusted partners who maintain high standards of data protection and security.

SELLING OF USER DATA.

We want to assure you that we do not sell your personal information to third parties for their direct marketing purposes. Your privacy is important to us, and we are committed to protecting the confidentiality and integrity of your information.

We do not engage in the sale, trade, or rent of your personal data to any third parties unless we have obtained your explicit consent or are required to do so by law.

Please note that we may share your information with trusted third-party service providers or business partners as described in the "Information Sharing" provision of this Privacy Policy. However, such sharing is strictly limited to the extent necessary to deliver our services, improve our Website, or support our business operations. These third parties are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using it for any other purposes.

COOKIES.

We use cookies and similar tracking technologies on our Website. By using our Website, you consent to the placement and use of cookies as described in this Privacy Policy.

We utilize the following types of cookies:

• Essential Cookies: These cookies are necessary for the functioning of our Website and enable you to navigate and use its features. They are essential for providing the services you have requested and for ensuring the security and integrity of our Website.
• Functional Cookies: These cookies help enhance your experience on our Website by remembering your preferences and settings. They enable us to provide customized and personalized features to improve your interactions with our Website.
• Analytics / Performance Cookies: These cookies collect information about how you interact with our Website, including pages visited, time spent on each page, and any errors encountered. This information helps us analyze and improve the performance and functionality of our Website.
• Ad Analytics Cookies: We may utilize cookies to track the performance of our advertisements, such as whether an ad was viewed or clicked. This helps us measure the effectiveness of our advertising campaigns and tailor future advertisements to be more relevant to your interests.
• Ad Tracking Cookies: We may use cookies to serve interest-based advertisements to you. These cookies enable us to show you targeted advertisements based on your browsing behavior and interests.

Consent for Cookies: By using our Website and accepting this Privacy Policy, you consent to the use of cookies as described above. You have the option to manage or disable cookies by adjusting your browser settings. However, please note that disabling cookies may limit your ability to access certain features of our Website.

Third-Party Cookies: We may also allow certain third parties, such as our service providers, advertising partners, and social media platforms, to place cookies on our Website. These third parties may use cookies to collect information about your online activities across different websites and services. We do not have control over these third-party cookies, and their use is subject to their own privacy policies.

Cookie Duration: The duration of cookies on your device may vary. Some cookies are temporary and will be deleted when you close your browser (session cookies), while others may remain on your device for a longer duration (persistent cookies).

Cookie Management: You can manage your cookie preferences through your browser settings. You have the option to accept or decline cookies, or to request a notification when a cookie is being sent. Please refer to your browser's help documentation for more information on how to manage cookies.

MODIFICATION.

We reserve the right to modify or update this Privacy Policy at any time. Any changes we make will be effective immediately upon posting the revised Privacy Policy on our Website. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.

If we make material changes to this Privacy Policy, we will provide notice through a prominent notice on our Website or by sending you an email notification. By continuing to use our Website after any changes to this Privacy Policy, you acknowledge and agree to the updated terms.

It is your responsibility to review this Privacy Policy periodically and ensure that you are aware of any modifications. If you disagree with any changes, you should discontinue your use of our Website and contact us if you would like to request the deletion of your personal information.

Please note that any provision of this Privacy Policy that imposes an obligation on you or grants us a right will survive the termination or expiration of this Privacy Policy or your use of our Website.

CHILDRENS INFORMATION.

Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children under the age of 18. If you believe that a child under the age of 18 has provided us with personal information without parental consent, please contact us immediately using the information provided in the "Contact Us" section below.

If we become aware that we have collected personal information from a child under the age of 18 without parental consent, we will take prompt steps to delete that information from our records. We strongly encourage parents or guardians to monitor the online activities of their children and participate in their online experience to ensure compliance with applicable laws and regulations.

CONTACT US.

If you have any questions, concerns, or requests regarding this Privacy Policy, or if you need to contact us for any reason related to your personal information, please use the following contact information:

Email: [email protected]

Phone: 865-281-1461

We will make reasonable efforts to respond to your inquiries and address any concerns promptly. Please provide us with sufficient information to allow us to identify and respond to your request effectively.

If you wish to exercise your rights regarding your personal information, such as accessing, correcting, or deleting your information, please include the necessary details in your request, and we will handle it in accordance with applicable data protection laws and regulations.

Please note that while we strive to protect your personal information, communications via email or other electronic means may not be secure. Therefore, we recommend that you do not include sensitive or confidential information in your communications with us.