Effective 27 September 2026. These Terms bind you the moment you use kumbaya.com, pay, book, click agree, or take any service. If you do not agree, leave the site and do not buy. The Privacy Policy is part of these Terms.
Kumbaya.com (“Kumbaya,” “we,” “us”) offers website use, domain brokerage, SEO and related marketing subscriptions, online lessons and courses, recorded or live training, business consultations, appraisals, introductions, and any other paid or free offering we list. These Terms cover all of it. No separate oral promise changes these Terms unless we sign a written addendum.
Nothing on this site or in any lesson, call, email, or report is legal, tax, investment, or medical advice. No attorney-client, fiduciary, or partnership relationship is created. You act on your own judgment.
You agree to receive these Terms and all notices in electronic form. Email, Stripe receipts, and posts on this site count as written notice. Checking a box, paying, or using the site is your electronic signature.
We grant you a limited, personal, non-transferable, revocable license to view the site. You may not copy, scrape, crawl, mine, resell, or use our content to train AI or other systems. We may change or remove any page, lesson, or feature at any time. Your only remedy is to stop using the site. No refund.
You will not hack, overload, impersonate, spam, upload malware, harvest data, or use the site for any unlawful act. We may suspend or end access at once, with no refund.
SEO, AEO, GEO, retainers, memberships, and any recurring plan bill in advance through Stripe or another processor we name. The first paid term is 90 days unless checkout says a different term. After that, the plan renews each month until you cancel in the way section 9 allows.
We may change price or scope on notice to your email. If you keep the service after the change date, you accept the new price. If you do not accept it, cancel before the next charge. No refund of amounts already taken.
Results are not promised. Rankings, traffic, citations, leads, and revenue can go up, down, or stay flat. Delay or lack of results is not a breach and is not grounds for a refund, credit, chargeback, or claim.
You must give working access to the site, analytics, Search Console, ads, and DNS when we ask. If you do not, we still bill the period and owe no extra work.
Lessons, webinars, downloads, live classes, and recordings are digital goods. Access, a login, a link, or a calendar invite is full delivery. All sales are final the moment access is sent or the session starts, whichever is first.
We do not guarantee completion, a certificate, a job, a skill level, or any outcome. If you miss a live session, we do not owe a makeup or a refund. If we cancel a live session, we may give a later seat or a recording. That is your only remedy. Still no cash refund.
You may not share logins, record, resell, or post lesson materials.
Calls, meetings, written memos, appraisals, strategy notes, and coaching are opinions only. They are not a warranty and not a substitute for your own counsel, accountant, or operator.
Time is sold when booked. If you are late, absent, or cut the call short, the fee is earned in full. We may end a call if you are abusive. No refund. Follow-up is not included unless we say so in writing before payment.
Inquiries, offers, and emails do not create a listing, a sale, or an agency until we confirm in writing. Commission, escrow, and transfer terms for a named deal live in that written deal. These Terms still apply to site use, payment, disputes, and liability.
We do not guarantee a buyer, a seller, a price, or a close date. Deposits and fees paid to us are non-refundable unless a signed deal says otherwise in writing.
Every payment is final. There are no refunds, no credits, no chargebacks-as-refunds, and no prorations. This applies to subscriptions, lessons, consultations, deposits, rush fees, and any other charge. It applies if you change your mind, dislike the work, see no results, lose access you caused, miss a call, cancel mid-cycle, close your company, or claim the service was not as expected.
To stop future subscription charges you must cancel. Email broker@kumbaya.com or use the Stripe customer portal on your receipt. Cancel stops the next renewal only. Time already paid is not refunded. During the first 90 days you may cancel future renewals. Money already collected stays ours.
A chargeback, retrieval, or bank claim is a breach. It is not a refund path and not a cancel path. If you file one:
The only way to stop billing is section 9.
You warrant you may use the card or wallet you submit. You authorize Stripe to charge the first payment and each renewal until cancel. Failed payments may retry. We may suspend work until paid. Past-due amounts can accrue collection costs.
The site, brand, lessons, reports, and methods stay ours or our licensors’. Paid work product we send you may be used for your own business only. You do not get our tools, prompts, templates, or process for resale. You grant us a royalty-free license to use your name, logo, and site URL as a client example unless you opt out in writing before we publish it.
Anything you send us may be used to deliver the service. You warrant you own it or have rights. You will indemnify us if a third party claims otherwise.
ALL SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED ACCESS, ERROR-FREE WORK, OR ANY BUSINESS RESULT.
TO THE MAXIMUM EXTENT ALLOWED BY LAW, WE AND OUR OWNERS, OFFICERS, CONTRACTORS, AND AFFILIATES ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOST RANKINGS, OR LOST BUSINESS, EVEN IF ADVISED OF THE RISK.
OUR TOTAL LIABILITY FOR ALL CLAIMS IN THE AGGREGATE IS ZERO DOLLARS ($0), OR IF A COURT OR ARBITRATOR WILL NOT ENFORCE $0, THEN THE LESSER OF (A) THE AMOUNT YOU PAID US IN THE 30 DAYS BEFORE THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100). THESE LIMITS ARE A CORE PART OF THE BARGAIN. YOU ACCEPT THEM AS THE PRICE OF USING A NO-REFUND SERVICE.
You will defend and pay for all claims, losses, fees, and costs arising from your use of the site, your content, your breach of these Terms, your chargeback, or your violation of law. We may take over the defense. You will cooperate.
YOU WAIVE ANY RIGHT TO SUE IN COURT, TO A JURY TRIAL, AND TO JOIN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. THE SOLE FORUM FOR ANY DISPUTE IS BINDING INDIVIDUAL ARBITRATION.
Arbitration sits in the State of Florida, United States. The seat is Miami-Dade County, Florida, unless we agree in writing to another Florida county. The rules are the Commercial Arbitration Rules of the American Arbitration Association. One arbitrator. English language. Florida law governs the contract and the arbitration, without regard to conflict-of-law rules.
The arbitrator may award only individual relief and only within section 15. The arbitrator may not award refunds that these Terms forbid, except if a non-waivable statute requires it and then only to that minimum. Each side pays its own lawyers. AAA fees follow AAA rules, except we may recover our fees if you bring a claim we win or a claim that ignores these Terms.
Judgment on the award may be entered in any Florida court of competent jurisdiction solely to confirm or enforce the award. That filing is not a lawsuit on the merits.
If a claim is found not arbitrable, it must be filed only in state or federal courts located in Miami-Dade County, Florida, and you consent to that venue. Class actions remain waived.
Your exclusive remedy for any dispute is the arbitration in section 17. You will not file in any other court, agency, or public forum to get money back, stop a charge, or attack the service, except where a statute says that path cannot be waived. Even then, you must first complete Florida arbitration if the statute allows it.
We are not liable for delay or failure caused by internet outages, vendors, Stripe, search engines, AI platforms, war, weather, illness, labor issues, law, or any event beyond our reasonable control. No refund.
We may assign these Terms. You may not assign them without our written consent. Any other attempt is void.
We may update these Terms by posting a new version. The new version applies to the next use or the next charge. Your continued use or payment is acceptance. If you do not agree, cancel and stop using the site. No refund of past charges.
These Terms and the Privacy Policy are the entire agreement for site use and standard services. They beat prior talks and emails. If one clause is struck, the rest stay in force. The no-refund, liability-limit, and arbitration clauses stay in force even after cancel. Failure to enforce a clause is not a waiver.
Kumbaya.com • broker@kumbaya.com • State of Florida, United States
See the Privacy Policy.