Please read these terms carefully before using our services. By accessing or using LLAYD's platforms and services, you agree to be bound by these terms.
These Terms of Service ("Terms") govern your access to and use of LLAYD LLC's ("LLAYD," "we," "us," or "our") websites, platforms, courses, events, memberships, and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.
By creating an account, purchasing courses or memberships, registering for events, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
LLAYD provides educational content, courses, and training programs in areas including but not limited to business fundamentals, real estate investing, credit building, workforce development, and entrepreneurship. Our courses are designed for educational purposes and do not guarantee any specific outcomes or results.
Our learning platform provides access to courses, community features, progress tracking, and certifications. Access to LLAYD LMS is provided based on your membership level or course purchases.
Satistio is our business automation and CRM platform. Use of Satistio is subject to separate terms and conditions provided within the platform. Users must comply with all applicable laws regarding marketing, communications, and data protection.
Our construction and real estate services platform provides training, tools, and resources for construction professionals. Use of LLAYD Total Construct is subject to additional terms as applicable.
We organize industry events, networking trips, and educational experiences. Event-specific terms, cancellation policies, and requirements are provided at the time of registration.
To access certain features of our services, you must create an account. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or for any other reason at our discretion.
We offer various membership tiers (Select, Bronze, Silver, Gold, Platinum, and Chairman Circle) with different features, benefits, and pricing. Membership details are described on our membership page and may be updated from time to time.
By subscribing to a membership plan, you authorize us to charge the applicable fees to your chosen payment method on a recurring basis. Fees are billed in advance on a monthly or annual basis, depending on your selected plan.
Memberships automatically renew at the end of each billing period unless you cancel before the renewal date. You can cancel your membership at any time through your account settings or by contacting us.
We reserve the right to modify membership prices. Price changes will be communicated in advance and will apply to subsequent billing periods.
All prices are listed in US dollars unless otherwise stated. We reserve the right to change prices at any time without notice. Promotional pricing may be subject to additional terms.
We use third-party payment processors to handle transactions. By making a purchase, you agree to the terms and conditions of our payment processors. We do not store your full payment card information on our servers.
Prices do not include applicable taxes. You are responsible for any taxes, duties, or other governmental charges associated with your purchases.
We offer a 30-day money-back guarantee on course purchases. If you are not satisfied with a course, you may request a refund within 30 days of purchase, provided you have not completed more than 25% of the course content.
Monthly memberships may be cancelled at any time, but partial month refunds are not provided. Annual memberships may be refunded within the first 30 days if less than 25% of available content has been accessed.
Event and trip refunds are subject to the specific cancellation policy provided at registration. Generally:
Deposits may be non-refundable as specified at the time of booking.
Coaching sessions, one-on-one consultations, and personalized services are non-refundable once delivered.
All content on our platforms, including but not limited to text, graphics, logos, images, videos, audio, software, and course materials, is the property of LLAYD LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our content for your personal, non-commercial educational purposes. This license does not include:
By submitting content to our platforms (such as comments, forum posts, or reviews), you grant us a non-exclusive, royalty-free, perpetual, worldwide license to use, modify, reproduce, and distribute such content in connection with our services.
You agree not to:
Participants in LLAYD events and trips must be at least 18 years of age and agree to follow all event rules and guidelines. We reserve the right to refuse participation or remove any participant whose conduct is disruptive or violates these Terms.
Participation in events and trips involves inherent risks. By registering, you acknowledge and assume all risks associated with your participation, including but not limited to travel, physical activities, and interactions with other participants.
As a condition of participation, you may be required to sign a liability waiver releasing LLAYD and its affiliates from claims arising from your participation in events and trips.
We may photograph or record events for promotional purposes. By attending, you consent to being photographed or recorded and grant us the right to use such images or recordings.
Our courses, content, and services are provided for educational and informational purposes only. They do not constitute professional advice (legal, financial, tax, or otherwise). You should consult with qualified professionals before making business or investment decisions.
While we strive to provide valuable education and resources, we make no guarantees regarding specific outcomes, income, or business success. Individual results depend on many factors beyond our control, including your effort, circumstances, and market conditions.
Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, LLAYD LLC and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from:
Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid to us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless LLAYD LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
Before filing any formal legal action, you agree to contact us at support@llayd.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days.
If we cannot resolve a dispute informally, you agree that any dispute, claim, or controversy arising from these Terms or our services will be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules.
You agree to resolve disputes with us on an individual basis only. You waive any right to participate in a class action, collective action, or representative proceeding.
These Terms are governed by the laws of the State of Maryland, without regard to its conflict of law principles.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the modified Terms.
We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. Upon termination, your right to use our services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive.
These Terms, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and LLAYD regarding your use of our services.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Our failure to enforce any provision of these Terms shall not be deemed a waiver of such provision or any other provision.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
If you have any questions about these Terms, please contact us:
LLAYD LLC
Email: support@llayd.com
Website: llayd.com