1. Introduction

Welcome to GYC Programs LLC ("Company," "we," "our," or "us"). By accessing and using our website, programs, and services (collectively, the "Services"), you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of our Services immediately.

2. Eligibility

By using our Services, you represent that you are at least 18 years old or the legal age of majority in your jurisdiction. You also affirm that you have the legal authority to enter into this agreement.

3. Services Provided

GYC Programs LLC provides coaching, mentorship, educational programs, and consulting services related to business growth, finance, digital assets, and other related topics. We reserve the right to modify, update, or discontinue any aspect of our Services at any time.

4. Payment & Refund Policy

All fees for our Services are due as specified at the time of purchase. Payments are non-refundable unless otherwise stated in a written agreement. Chargebacks, disputes, or unauthorized transactions may result in the suspension of your access to our Services.

5. No Guarantees or Financial Advice

GYC Programs LLC does not guarantee any specific results from using our Services. We do not provide financial, investment, legal, or tax advice. You are solely responsible for your decisions and their outcomes.

6. Intellectual Property

All content, materials, and proprietary information provided by GYC Programs LLC, including but not limited to text, graphics, videos, and software, are owned by or licensed to us. You may not reproduce, distribute, or use any content without express written permission.

7. User Conduct

You agree not to:

Use our Services for any illegal, fraudulent, or unauthorized purpose.

Share, resell, or distribute any of our proprietary content without permission.

Engage in conduct that may disrupt or harm our Services, reputation, or users.

8. Confidentiality

Any confidential information shared between you and GYC Programs LLC shall remain private and not be disclosed to third parties without consent, except as required by law.

9. Limitation of Liability

To the fullest extent permitted by law, GYC Programs LLC and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Services. Your sole remedy is to discontinue using our Services.

10. Indemnification

You agree to indemnify and hold harmless GYC Programs LLC, its officers, employees, and affiliates from any claims, liabilities, damages, or expenses arising out of your use of the Services.

11. Termination

We reserve the right to terminate or suspend your access to the Services at any time, without notice, if you violate these Terms.

12. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of [Insert State], without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration in [Insert Jurisdiction].

13. Changes to These Terms

We reserve the right to update these Terms at any time. Continued use of our Services after changes take effect constitutes your acceptance of the revised Terms.

14. Contact Information

For questions or concerns regarding these Terms, please contact us at:

GYC Programs LLC

support@gycprograms.com