Terms of Service

1. Acceptance of these Terms

By accessing or using allianceunlimited.com, by enrolling in a course, by signing up for our newsletter, or by interacting with any service we provide (“Services”), you agree to be bound by these Terms of Service (“Terms”) and by our Privacy Policy.

If you do not agree, do not use the Services.

These Terms are a binding contract between you and Alliance Unlimited Inc. (“AU,” “we,” “us,” “our”), a Florida corporation.

2. Eligibility

To use the Services you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater)
• Have legal capacity to enter into binding contracts
• Not be prohibited from receiving services under applicable U.S. or international sanctions, export control, or other laws
• Not be located in a jurisdiction where AU does not offer services

The Services are intended for adult learners. They are not designed for, marketed to, or appropriate for children under 13 (or under 16 in the EEA / UK).

3. The Services

AU provides:

• Three Foundations Courses, sold individually or as a bundle:
  • Course 1: Reading Financial Statements for Decision-Makers
  • Course 2: Excel Modeling for Financial Decisions
  • Course 3: The Economics of Personal Money Decisions
• A newsletter with educational content (opt-in)
• A blog with educational content
• An in-course AI Tutor powered by Anthropic Claude (accessed via Microsoft Foundry)
• Certificates of Completion for learners who complete all required components of a course
• Customer support at info@allianceunlimited.com

The Services are educational. They are not professional, legal, tax, investment, accounting, real estate, mortgage, insurance, financial-planning, or fiduciary advice. They do not create any client, fiduciary, advisor, or other professional relationship between you and AU or between you and Dr. Kareem Tannous.

4. Account Registration

4.1 Creating an account

You may need to create an account to access certain Services (course access, certificate verification, AI Tutor, account management). Account creation requires:

• A valid email address (used as your login identifier)
• A password meeting our security requirements
• Accurate, complete, and current information

You agree to keep your account information accurate and to update it when it changes.

4.2 Account security

You are responsible for:

• Keeping your password secure
• All activity under your account
• Notifying us immediately at security@allianceunlimited.com if you suspect unauthorized access

We are not liable for losses caused by your failure to keep your account secure.

4.3 One account per person

Each account is for use by a single individual. You may not share your account credentials. You may not let anyone else use your account or access your enrolled courses. We may suspend or terminate accounts that show signs of credential sharing.

4.4 Account suspension and termination by AU

We may suspend, restrict, or terminate your account if:

• You violate these Terms or our Acceptable Use rules (§ 9)
• You fail to pay amounts owed
• We are required by law or court order
• You engage in conduct that harms AU, our learners, or third parties

Where reasonable, we will provide notice and an opportunity to cure. Where the conduct is severe or unlawful, we may terminate immediately.

4.5 Account closure by you

You may close your account at any time by emailing privacy@allianceunlimited.com. Closure does not entitle you to a refund of access fees outside of the refund window described in § 6.

5. Pricing and Payment

5.1 Pricing

Current prices for the Services are:

Prices are in U.S. dollars. We reserve the right to change prices for future purchases by updating the pricing pages and these Terms. Existing access windows that you’ve already paid for will not be affected by price changes.

5.2 Payment processing

Payment is processed by Stripe, Inc. AU never sees, stores, or transmits your full credit card number. By making a payment you also accept Stripe’s terms of service for the payment transaction.

Stripe Tax calculates applicable sales tax, VAT, GST, or other indirect taxes based on your billing location. The tax shown at checkout is the tax you pay; AU does not add hidden fees.

5.3 No auto-renewal

All purchases are one-time charges. There is no auto-renewal. Your access window ends at expiration unless you actively choose to renew or re-purchase. You will not be charged again without taking action.

5.4 The 90-day renewal-eligibility window

After your access expires, you have 90 days to purchase a renewal SKU at $72 (single) or $171 (bundle) for 6 more months of access locked to your current course version. After the 90-day window closes, the renewal SKU is no longer available — only re-purchase at $189 / $504 (which grants fresh 12 months and the latest curriculum with free updates) remains.

5.5 Currency and international pricing

We charge a single global USD price. We do not offer regional pricing tiers, hardship pricing, or PPP adjustments at this time. Your bank or card issuer may apply foreign-transaction fees outside our control.

5.6 Failed payments

If a payment fails for any reason, we will notify you and the access window will not start. We do not provide partial access pending payment.

6. Refund Policy

We offer a refund only when both of these conditions are met:

1. You request the refund within 3 days of your enrollment date (= the timestamp of Stripe’s payment_intent.succeeded event)
2. You have accessed zero course modules in your enrolled course

Both conditions must be met. Either alone is insufficient.

If you have viewed any video, opened any worksheet, attempted any quiz, or selected any capstone in your enrolled course, you have accessed the course and your refund right is permanently waived for that course.

6.1 How to request a refund

Email info@allianceunlimited.com within the 3-day window with your order ID and a brief reason. Refunds are processed mechanically; the rule is the rule. Decisions are final; no appeals, no override, no exceptions.

Approved refunds are processed via Stripe within 5-10 business days. Stripe’s processing fees may not be refunded by Stripe; we refund the gross purchase price minus any non-refundable Stripe fees, in line with Stripe’s published policies.

6.2 What is not refundable

• Renewal purchases (each renewal has its own 3-day-AND-zero-access window from the renewal purchase date — same rule applied per purchase)
• Re-purchases (same rule applied per purchase)
• Newsletter or blog access (these are free)
• Certificates already issued
• Access fees outside the 3-day window
• Any access fee where any module has been accessed

6.3 Why this policy

We invest meaningfully in each learner from the moment of enrollment (server provisioning, AI Tutor context, content access). The 3-days-AND-zero-access rule is a fair tradeoff: it gives you a real window to change your mind, while protecting AU and our learner community from the screenshot-and-refund pattern that has plagued online education for years. We make no exceptions because we are confident the first module justifies the $189 / $504 commitment, and because exceptions would punish honest learners who didn’t request a refund.

7. Intellectual Property

7.1 AU’s content

All Services content — videos, scripts, worksheets, quizzes, capstone questions, AI Tutor responses, blog posts, newsletters, infographics, course design, software code, and the look and feel of the website — is owned by Alliance Unlimited Inc. or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws.

We reserve all rights not expressly granted in these Terms.

7.2 Your license to use the Services

When you purchase a course, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the course content for your personal, non-commercial educational use only, for the duration of your active access window.

This license does not allow you to:

• Copy, reproduce, distribute, sell, or sublicense the course content
• Share your account or grant others access
• Record, screencap, or republish the videos
• Re-host the worksheets, quizzes, or capstones on another platform
• Reverse-engineer, decompile, or derive course content from the AI Tutor
• Use the content to train AI models, language models, or other automated systems
• Use the content for commercial training, classroom instruction, or any third-party benefit
• Remove copyright, trademark, or other proprietary notices

When your access window ends, your license to access the course content ends. Worksheet .xlsx files you exported during your active window remain in your possession (we do not reach out and revoke them), but the limitations above continue to apply to those exported files.

7.3 Your content

You retain ownership of any content you create using the Services — your worksheet entries, quiz answers, capstone responses, AI Tutor questions, comments, and similar.

By using the Services, you grant AU a worldwide, non-exclusive, royalty-free license to use, store, display, and process your content solely for the purpose of providing the Services to you (e.g., saving your worksheet state, displaying your quiz scores, training the personalized recommendations within your account, generating your Certificate of Completion). This license is limited to operational delivery of the Services and ends when you close your account, except as required for legal retention (tax records, refund records, certificate-verification records).

We will not use your content to train AI foundation models, sell your content to third parties, or use your content for marketing without your explicit consent.

7.4 Trademarks

“Alliance Unlimited,” “Alliance Unlimited Inc.,” and our logos are trademarks of Alliance Unlimited Inc. You may not use them without our prior written permission.

7.5 Certificates of Completion

A Certificate of Completion is issued automatically when you complete 100% of a course (all videos, worksheets, quizzes, and capstones). The certificate carries a public verification URL at allianceunlimited.com/verify/?id=<id>. The verification URL persists indefinitely even after your course access window ends.

Certificates are not CE-accredited, are not professional licensure, and are not equivalent to academic credit. They are a record of completion only.

You may share, post, and display your Certificate as evidence of completion. You may not modify the certificate, alter the verification URL, or misrepresent the certificate’s nature.

8. AI Tutor and AI-Generated Content

8.1 The AI Tutor

The in-course AI Tutor is powered by Anthropic Claude, accessed through Microsoft Foundry. The Tutor provides educational explanations and helps you understand course material.

The Tutor is a tool, not a teacher. The Tutor:

• Can make mistakes — verify important information against course videos and worksheets
• Is locked to the version of the course you enrolled in (renewed enrollments stay on the version active at your renewal)
• Cannot give legal, tax, investment, real estate, mortgage, insurance, or fiduciary advice
• Does not create any advisor, fiduciary, or professional relationship

Your conversations with the Tutor are stored in your account history but are not used to train Anthropic’s foundation models (per Microsoft Foundry’s terms).

8.2 AI-generated marketing content

We use AI to draft marketing content (blog posts, newsletter drafts, social-media posts) from public regulatory feeds. Every AI-drafted piece is reviewed and approved by a human (Dr. Kareem Tannous) before publication. No AI-generated content is published without human review.

8.3 Educational purposes disclaimer

All mathematical, financial, and statistical examples shared by Alliance Unlimited Inc. — in courses, on the website, in marketing emails, in newsletters, on social media, in advertisements, in AI Tutor responses, and elsewhere — are for educational purposes only. They are not investment, legal, tax, or insurance advice. They do not constitute a recommendation to buy or sell any security or financial product. They are not a substitute for advice from a licensed professional who knows your specific situation.

9. Acceptable Use

You agree not to:

• Use the Services in any way that violates applicable law (U.S., state, international)
• Resell, sublicense, or commercially redistribute the Services or course content
• Share your account credentials or grant access to others
• Record, screencap, or republish video content
• Scrape, crawl, or systematically download the Services beyond ordinary browser use
• Reverse-engineer, decompile, or attempt to derive source code or proprietary algorithms
• Use the Services to train AI models, language models, or other automated systems
• Engage in fraud, deception, impersonation, or misrepresentation
• Interfere with or disrupt the Services, our servers, or our networks
• Attempt to gain unauthorized access to any part of the Services or other users’ accounts
• Use the Services to harass, abuse, defame, or threaten any person or entity
• Upload or transmit malware, viruses, or harmful code
• Use the Services to send spam, unsolicited commercial messages, or chain letters
• Misrepresent your identity or your relationship with any person or entity
• Use the Services in violation of intellectual-property rights of AU or any third party
• Use AU’s name, marks, or content for endorsement or attribution without our written permission

We may investigate and take action against violations, including suspension, termination, and legal action.

10. Brokerage Separation

All real estate, mortgage, and insurance advice runs through Alliance Realty & Financial Services, Inc. (alliancerealtyandfinancial.com), a separate business. Alliance Unlimited Inc. is purely educational.

Enrolling in an AU course does not create a brokerage, advisory, or fiduciary relationship with Alliance Unlimited Inc. or with Alliance Realty & Financial Services, Inc. or with Dr. Kareem Tannous personally.

If you would like brokerage services, contact Alliance Realty & Financial Services, Inc. directly at alliancerealtyandfinancial.com.

A future entity, Alliance Fiduciaries Inc., is not yet registered as an investment advisory firm. Until that entity is formed and registered with state authorities, no investment advisory services are offered by any Alliance entity.

Dr. Kareem Tannous passed the Series 65 — Uniform Investment Adviser Law Examination — in 2025, but is not currently registered as an Investment Adviser Representative under any Alliance entity. Nothing in the Services constitutes investment advice or a personal recommendation.

11. Disclaimers

11.1 “As is”

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including but not limited to: warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, or uninterrupted access.

11.2 No professional advice

The Services are educational and informational only. Nothing in the Services should be construed as:

• Investment, legal, tax, accounting, fiduciary, real estate, mortgage, or insurance advice
• A recommendation to buy, sell, or hold any security, asset, or financial product
• A solicitation to engage in any commercial transaction
• A substitute for advice from a licensed professional who knows your specific situation

11.3 No guarantees of outcome

We do not guarantee any specific learning outcome, financial result, career advancement, salary improvement, or other benefit from completing the Services. Your results depend on your own effort, abilities, and circumstances.

11.4 AI accuracy

AI-generated content (Tutor responses, draft posts before founder review) can contain errors or inaccuracies. We make no warranty of accuracy, completeness, or reliability for AI output. Verify important information against authoritative sources.

11.5 Third-party content and links

The Services may include links to third-party websites or content. We do not endorse, control, or take responsibility for third-party content, products, or services. Your use of third-party sites is at your own risk and subject to their terms.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

12.1 Excluded damages

ALLIANCE UNLIMITED INC., ITS OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION: LOST PROFITS, LOST OPPORTUNITY, LOST DATA, BUSINESS INTERRUPTION, LOSS OF REPUTATION, OR FINANCIAL HARM RESULTING FROM YOUR USE OR INABILITY TO USE THE SERVICES.

12.2 Liability cap

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICES IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

12.3 Exceptions

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms limits liability for fraud, gross negligence, or any liability that cannot be limited under applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Alliance Unlimited Inc., its officers, employees, agents, contractors, licensors, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of applicable law
• Your infringement of any third-party right (including intellectual property rights)
• Any content you submit, post, or transmit through the Services

We reserve the right to assume sole control of the defense of any matter for which you have agreed to indemnify us. You agree to cooperate with our defense.

14. Dispute Resolution and Governing Law

14.1 Governing law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles. The federal and state courts of Florida have exclusive jurisdiction over any matter not subject to arbitration under § 14.2.

14.2 Binding arbitration

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in Florida (in person or remotely at the arbitrator’s discretion). Judgment on the award may be entered in any court of competent jurisdiction.

The arbitrator has exclusive authority to resolve any threshold question about arbitrability of a dispute.

14.3 Class-action waiver

YOU AND AU AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of class or representative proceeding.

14.4 Exceptions to arbitration

The arbitration requirement does not apply to:

• Small-claims-court actions if they qualify (under the small-claims threshold of your jurisdiction)
• Claims for injunctive relief related to intellectual property
• Claims that cannot be subject to arbitration as a matter of law

14.5 30-day opt-out

You may opt out of the arbitration agreement and class-action waiver in § 14.2 and § 14.3 by emailing legal@allianceunlimited.com within 30 days of first agreeing to these Terms, with the subject line “Arbitration Opt-Out” and including your name and account email. Opting out does not affect any other provision of these Terms.

14.6 Statute of limitations

Any cause of action arising out of or related to these Terms or the Services must be commenced within one (1) year after the cause of action accrues, or be forever barred.

15. Digital Millennium Copyright Act (DMCA) and Copyright Policy

15.1 We respect copyright

Alliance Unlimited Inc. respects the intellectual property rights of others and expects users of the Services to do the same. We respond to clear notices of alleged copyright infringement that comply with the U.S. Digital Millennium Copyright Act (DMCA) and analogous laws in other jurisdictions.

15.2 Designated DMCA agent

Notices of alleged copyright infringement should be sent to our designated agent:

DMCA Agent — Alliance Unlimited Inc.

Email: dmca@allianceunlimited.com

Postal mail: [registered Florida business address; available on request]

15.3 Filing a DMCA takedown notice

To submit a valid DMCA takedown notice, your written notice must include all of the following:

1. Identification of the copyrighted work you claim has been infringed (or, if multiple works, a representative list)
2. Identification of the material that is allegedly infringing and that you want removed, including its location (URL) on the Services sufficient to allow us to find it
3. Your contact information: name, address, telephone number, email
4. A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
5. A statement, made under penalty of perjury, that the information in your notice is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner of the right that is allegedly infringed
6. Your physical or electronic signature

Send the complete notice to dmca@allianceunlimited.com. Incomplete notices may be rejected and returned for completion. Misrepresentations in DMCA notices may subject you to liability for damages, including attorneys’ fees, under 17 U.S.C. § 512(f).

15.4 What happens after we receive a notice

Upon receipt of a valid notice, we will:

• Promptly remove or disable access to the allegedly infringing material
• Notify the user who submitted or hosts the material (if known)
• Forward your notice (with personal information redacted as appropriate) to that user

15.5 Counter-notification

If you believe material we removed (or disabled access to) was removed in error or as a result of misidentification, you may file a counter-notification by sending the following information to dmca@allianceunlimited.com:

1. Identification of the material that was removed and the location it was at before removal
2. A statement, made under penalty of perjury, that you have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification
3. Your contact information: name, address, telephone number, email
4. A statement that you consent to the jurisdiction of the federal district court for the judicial district in which your address is located (or, if outside the United States, for any judicial district in which AU may be found), and that you will accept service of process from the original notice-sender or its agent
5. Your physical or electronic signature

We will forward valid counter-notifications to the original notice-sender. If we do not receive notice that the original notice-sender has filed a court action seeking a restraining order against the user within 10-14 business days, we may restore the material.

15.6 Repeat infringer policy

We will, in appropriate circumstances and at our sole discretion, terminate the accounts of users who are repeat copyright infringers. We track copyright complaints associated with each account and apply this policy uniformly.

15.7 Content outside the Services

For copyright concerns about content on platforms where AU publishes (LinkedIn, X, Instagram, YouTube, etc.), please use the copyright complaint procedures of the applicable platform. We will respond to valid third-party platform notices that are forwarded to us through those platforms’ official channels.

16. Modifications to the Services and Terms

16.1 Service modifications

We may modify, add, remove, or discontinue any feature of the Services at any time. We will not make material changes that meaningfully reduce the value of an active access window without notice.

16.2 Terms modifications

We may update these Terms from time to time. We will:

• Post the updated Terms at allianceunlimited.com/terms/
• Update the “Last Updated” date
• For material changes (those that meaningfully affect your rights), notify you by email at least 30 days before they take effect, where we have your email address on file

Continued use of the Services after a material change constitutes your acceptance of the updated Terms.

A change history is available on request.

16.3 No reliance on prior versions

If you wish to refer to a prior version of these Terms (e.g., for a dispute that pre-dates a modification), email legal@allianceunlimited.com to request the specific version.

17. Termination

17.1 Termination by you

You may stop using the Services at any time. Closing your account is described in § 4.5. Closing your account does not entitle you to a refund outside the refund window described in § 6.

17.2 Termination by AU

We may terminate your access to the Services and these Terms:

• At any time, with or without cause, with reasonable notice
• Immediately, without notice, for material breach (including violations of Acceptable Use § 9, repeat infringement, fraud, account-credential sharing, or unlawful conduct)
• As required by law, regulation, or court order

17.3 Effect of termination

Upon termination:

• Your right to access the Services ends
• Sections that by their nature should survive termination will survive — including § 7 (Intellectual Property), § 11 (Disclaimers), § 12 (Limitation of Liability), § 13 (Indemnification), § 14 (Dispute Resolution and Governing Law), § 15 (DMCA), § 19 (General), and any other provisions that explicitly or by intent extend beyond termination
• Your existing Certificates of Completion remain valid (the verification URL persists indefinitely)

18. Notices

18.1 Notices to you

We may give notice by:

• Email to your account email address
• Posting on the Services
• Postal mail to an address you’ve provided

You are responsible for keeping your account email current.

18.2 Notices to us

Unless these Terms specify a different address (e.g., dmca@ for DMCA notices, privacy@ for privacy requests), notices to us must be sent to:

Legal — Alliance Unlimited Inc.

Email: legal@allianceunlimited.com

Postal mail: [registered Florida business address; available on request]

19. General

19.1 Entire agreement

These Terms (together with our Privacy Policy and any document referenced in or incorporated by these Terms) constitute the entire agreement between you and AU regarding the Services and supersede all prior agreements and understandings, written or oral.

19.2 Severability

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

19.3 No waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later.

19.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to any affiliate or successor entity.

19.5 Force majeure

Neither party is liable for failure or delay in performance caused by circumstances beyond reasonable control, including natural disasters, acts of war, terrorism, civil unrest, government action, internet outages, or labor disputes.

19.6 Headings

Section headings are for convenience only and do not affect interpretation.

19.7 No third-party beneficiaries

Except where expressly stated, these Terms do not give any third party rights or remedies.

20. Contact

For questions about these Terms:

• General legal: legal@allianceunlimited.com
• DMCA notices: dmca@allianceunlimited.com
• Privacy: privacy@allianceunlimited.com
• Customer support: info@allianceunlimited.com