TERMS OF USE
Effective Date: July 8, 2026
Last Updated: July 8, 2026
1. AGREEMENT TO TERMS
These Terms of Service ("Terms") constitute a legally binding agreement between MJR Dominion LLC d/b/a The Forbes Factor, referred to throughout these Terms as the "Company," "we," "us," or "our," and you, whether personally or on behalf of an entity ("you"), concerning your access to and use of our websites, mobile websites, landing pages, applications, online courses, digital products, coaching programs, memberships, events, webinars, social media pages, and any related media, software, content, functionality, products, or services collectively referred to as the "Services."
The Forbes Factor is a brand and d/b/a of MJR Dominion LLC.
By accessing or using any portion of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference.
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.
These Terms apply regardless of how you access the Services, including through desktop computers, mobile devices, tablets, applications, third-party platforms, or social media.
We reserve the right, in our sole discretion, to modify or update these Terms at any time. When material changes are made, we will update the "Last Updated" date above.
Your continued use of the Services after revised Terms are posted constitutes your acceptance of those revised Terms where permitted by applicable law.
It is your responsibility to review these Terms periodically.
2. ELIGIBILITY
By using the Services, you represent and warrant that:
You are at least eighteen (18) years old, or the age of majority in your jurisdiction
You possess the legal authority to enter into binding contracts
All information you provide is accurate, current, and complete
You will promptly update information that becomes inaccurate
You will comply with applicable federal, state, local, and international laws while using the Services
You are not prohibited from using the Services under applicable laws or regulations
3. CHILDREN'S PRIVACY AND AGE RESTRICTIONS
The Services are not directed to children under the age of thirteen (13), and we do not knowingly collect personal information from children under thirteen (13).
If we become aware that we have collected personal information from a child under thirteen (13), we will take reasonable steps to delete such information as required by applicable law.
4. DESCRIPTION OF SERVICES
The Company provides educational content, business coaching, consulting, digital products, memberships, online courses, live events, webinars, media training, marketing resources, speaking programs, downloadable materials, customer support, and related services.
The specific Services offered may change at any time without prior notice.
We reserve the right to modify Services, discontinue Services, add or remove features, update pricing, limit availability, or refuse service where permitted by law.
Nothing contained within these Terms guarantees that any Service will remain available indefinitely.
5. PAYMENTS, BILLING, AND REFUNDS
Certain Services may require payment.
By purchasing any product, program, membership, event, coaching service, digital product, or other paid offering, you agree to provide accurate billing and payment information.
You authorize us and our third-party payment processors to charge the payment method you provide for authorized purchases, applicable taxes, shipping charges where applicable, and recurring subscription fees to which you have agreed.
Prices, payment terms, billing schedules, and refund eligibility may vary by product or service and will be disclosed at the time of purchase.
Unless otherwise stated in writing, all fees are charged in U.S. dollars.
Refunds, if available, are governed by the refund policy applicable to the specific product or service purchased.
Certain digital products, memberships, live events, coaching programs, downloadable materials, and completed services may be non-refundable unless otherwise stated.
We reserve the right to change pricing at any time, but changes will not affect completed purchases unless otherwise disclosed.
6. PRIVACY POLICY
Your privacy is important to us.
Our Privacy Policy explains how we collect, use, store, disclose, and protect personal information and is available at:
By using the Services, you acknowledge that you have reviewed our Privacy Policy.
If there is any conflict between these Terms and our Privacy Policy regarding data processing, the Privacy Policy will govern those specific privacy-related issues.
7. ELECTRONIC COMMUNICATIONS
By visiting our websites, submitting forms, registering for Services, registering for events or webinars, purchasing products, or communicating with us electronically, you may receive electronic communications from us as permitted by law and according to your communication preferences and consent.
These communications may include:
Email
SMS/Text Messages
Telephone Calls
Automated Notifications
Account Updates
Event and Webinar Communications
Invoices
Receipts
Customer Support Communications
Legal Notices
Where consent is legally required for a particular type of communication, we will seek the applicable consent.
You agree that agreements, notices, disclosures, contracts, invoices, policies, records, and other communications that we provide electronically may satisfy legal requirements that such communications be in writing where permitted by applicable law.
You also consent to the use of electronic signatures, electronic records, and electronic contracts where permitted by applicable law.
8. TEXT MESSAGING (SMS) TERMS
Program and Brand Name
The Forbes Factor
The Forbes Factor is a brand and d/b/a of MJR Dominion LLC.
We offer separate SMS/text messaging programs for transactional/service-related communications and promotional/marketing communications. Consent for each program is collected separately. You may opt in to one program without opting in to the other.
Transactional and Service-Related SMS Program
If you voluntarily provide your mobile telephone number and separately opt in to receive transactional or service-related SMS/text messages from The Forbes Factor, you agree to receive automated and non-automated messages relating to:
Follow-up communications related to your inquiry or registration
Appointment scheduling and confirmations
Appointment reminders
Event and webinar confirmations
Event and webinar reminders
Information you have specifically requested
Customer support communications
Service updates
Account notifications
Message frequency may vary.
Message and data rates may apply.
You may opt out at any time by replying STOP.
For assistance, reply HELP or contact us at:
Promotional and Marketing SMS Program
If you voluntarily provide your mobile telephone number and separately opt in to receive promotional or marketing SMS/text messages from The Forbes Factor, you agree to receive automated and non-automated promotional messages relating to:
Products
Services
Programs
Events
Offers
Opportunities
Other marketing or promotional content from The Forbes Factor
Message frequency may vary.
Message and data rates may apply.
You may opt out at any time by replying STOP.
For assistance, reply HELP or contact us at:
Consent to receive promotional or marketing SMS/text messages is not a condition of purchasing any goods or services.
Transactional/service-related SMS consent and promotional/marketing SMS consent are collected separately. Opting in to one category does not automatically opt you in to the other.
After opting out of a category, you may receive one final confirmation message. No additional messages in that category will be sent unless you opt in again, except where otherwise permitted by applicable law.
Carriers are not liable for any delayed or undelivered messages.
We do not sell, rent, or share your mobile phone number, SMS consent, or mobile opt-in information with third parties or affiliates for their own marketing or promotional purposes.
Our Privacy Policy is available at:
9. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, all content available through the Services, including but not limited to text, graphics, logos, branding, photographs, videos, audio recordings, podcasts, webinars, online courses, downloadable materials, PDFs, presentations, templates, worksheets, digital products, software, source code, databases, designs, AI-generated content created by or for the Company, proprietary methodologies, trademarks, and service marks, collectively referred to as the "Content," is owned by or licensed to the Company and is protected by United States and international intellectual property laws.
You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Services solely for your personal, non-commercial use unless expressly authorized otherwise.
You may not, without prior written consent, copy, reproduce, republish, sell, sublicense, scrape, download in bulk, reverse engineer, distribute, publicly display, train artificial intelligence models using our Content, use automated tools to harvest our Content, or exploit any portion of the Services for commercial purposes.
All rights not expressly granted are reserved.
10. COPYRIGHT COMPLAINTS
If you believe that content available through the Services infringes your copyright, you may send written notice containing your name and contact information, a description of the copyrighted work, a description of the allegedly infringing material, the location of the material, a statement that you have a good-faith belief that the use is not authorized, a statement that the information in your notice is accurate, and your physical or electronic signature.
Copyright notices may be sent to:
11. USER REPRESENTATIONS
By using the Services, you represent and warrant that:
All registration information you submit is accurate
You will maintain the accuracy of your information
You possess legal capacity
You agree to comply with these Terms
You will not access the Services using bots, scrapers, automated software, artificial intelligence agents, or other automated means except where expressly authorized
You will not attempt to bypass, disable, or interfere with security features
You will not impersonate another individual or entity
You will not upload malicious software or harmful code
You will not use the Services to commit fraud or engage in deceptive or unlawful conduct
You will not attempt to gain unauthorized access to Services, servers, databases, or networks
Your use of the Services will not violate applicable law or regulation
If information provided by you is false, misleading, outdated, or incomplete, we reserve the right to suspend or terminate access to the Services.
12. PROHIBITED ACTIVITIES
The Services may only be used for their intended purposes.
You agree that you will not:
Use the Services for unlawful purposes
Violate applicable law or regulation
Upload or transmit malicious code
Attempt unauthorized access
Interfere with the integrity or performance of the Services
Circumvent security features
Use robots, scrapers, crawlers, AI agents, automated scripts, or similar technology to harvest content without written permission
Use our Content or Services to train or improve artificial intelligence or machine learning systems without written consent
Reverse engineer software used in connection with the Services
Impersonate another person or entity
Submit false or misleading information
Engage in fraudulent, deceptive, abusive, harassing, defamatory, threatening, obscene, or otherwise unlawful conduct
Send unsolicited advertising or spam through the Services
Infringe intellectual property or privacy rights
We reserve the right to investigate suspected violations and take appropriate action.
13. USER CONTRIBUTIONS
Certain Services may permit you to submit content, including comments, testimonials, reviews, photographs, videos, recordings, questions, feedback, or other materials ("Contributions").
You retain ownership of your Contributions. However, by submitting Contributions, you grant the Company a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable, non-exclusive license to use, reproduce, modify, publish, distribute, display, perform, create derivative works from, and otherwise use your Contributions in connection with the operation, promotion, and improvement of the Services.
You represent and warrant that you own or have necessary rights to your Contributions, your Contributions do not infringe third-party rights, your Contributions are truthful and not misleading, your Contributions comply with applicable laws, your Contributions do not contain confidential information belonging to another party, and you have obtained necessary permissions from identifiable individuals appearing in submitted media.
We reserve the right, but not the obligation, to review, remove, edit, or refuse Contributions at our discretion.
14. FEEDBACK AND SUBMISSIONS
If you voluntarily provide suggestions, ideas, recommendations, comments, or other feedback ("Submissions"), you acknowledge that such Submissions are non-confidential, we may use them without restriction, we owe you no compensation, and we acquire no obligation to maintain confidentiality unless otherwise agreed in writing.
You grant the Company rights necessary to use your Submissions for lawful business purposes.
15. SITE MANAGEMENT
To protect the integrity of the Services, we reserve the right, but have no obligation, to monitor Services for violations, remove or disable violating content, restrict or terminate user accounts, investigate suspected fraud or unlawful conduct, cooperate with authorities, and modify or discontinue portions of the Services.
Our failure to enforce these Terms does not constitute a waiver of our rights.
16. THIRD-PARTY SERVICES
The Services may contain links to or integrate with third-party websites, applications, payment processors, social media platforms, analytics providers, communication platforms, or other services.
Examples may include Stripe, PayPal, Google, Meta, Facebook, Instagram, YouTube, Zoom, Calendly, Twilio, HighLevel, Vimeo, Kajabi, Shopify, and HubSpot.
Third-party services are operated independently and governed by their own terms and privacy policies.
We are not responsible for their availability, content, privacy practices, security, products, or services.
17. ARTIFICIAL INTELLIGENCE
Certain portions of our Services may utilize artificial intelligence technologies to assist with content generation, recommendations, automation, customer support, educational materials, or other features.
AI-generated content is provided for informational and educational purposes only.
AI outputs may contain inaccuracies, require independent verification, and be unsuitable for reliance as legal, financial, tax, medical, or professional advice.
The Company makes no warranty regarding the completeness, reliability, or accuracy of AI-generated content.
18. EARNINGS AND RESULTS DISCLAIMER
The Company provides educational, coaching, media, marketing, business, and informational resources.
We do not guarantee any specific income, revenue, business growth, media exposure, publicity, sales, financial outcome, or other result.
Past performance, customer testimonials, success stories, examples, or case studies should not be interpreted as guarantees of future results.
Any examples, case studies, testimonials, success stories, or results shared through the Services are illustrative only and do not guarantee that you will achieve the same or similar results.
Your results depend on many factors outside our control, including your background, experience, effort, market conditions, business model, resources, and implementation.
19. TESTIMONIALS
Testimonials, reviews, endorsements, and user stories reflect individual experiences and opinions.
They are not intended to represent or guarantee that current or future users will achieve the same or similar results.
20. AFFILIATE DISCLOSURE
Some links, recommendations, promotions, or references through the Services may be affiliate links or paid partnerships.
If you purchase through those links, we may receive compensation at no additional cost to you.
You are responsible for evaluating whether third-party products or services are appropriate for you.
21. HEALTH AND WELLNESS DISCLAIMER
Health, wellness, fitness, beauty, nutrition, lifestyle, or similar information provided through the Services is for informational and educational purposes only and is not medical advice.
Consult a qualified healthcare professional before beginning a fitness, wellness, nutrition, supplement, or lifestyle program.
22. TERM AND TERMINATION
These Terms remain in effect while you use the Services.
We reserve the right, subject to applicable law, to suspend access, terminate accounts, restrict access to specific Services, remove submitted content, or refuse future access.
Termination does not relieve obligations arising before termination.
Sections intended by their nature to survive termination shall survive.
23. MODIFICATIONS TO THE SERVICES
We reserve the right to modify, suspend, discontinue, or replace portions of the Services at any time, subject to applicable law.
We do not guarantee that any particular feature, product, service, or content will remain available.
Services may occasionally be unavailable due to maintenance, upgrades, technical issues, security incidents, or events beyond our reasonable control.
24. SECURITY
We implement commercially reasonable administrative, technical, and physical safeguards to help protect information.
No method of electronic transmission or storage is completely secure.
You are responsible for maintaining the confidentiality of passwords and account credentials and promptly notifying us of suspected unauthorized use.
25. ACCESSIBILITY
We strive to make our Services accessible to users, including individuals with disabilities.
If you experience difficulty accessing a portion of the Services or require assistance, contact us using the information below.
26. GOVERNING LAW
These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
Subject to applicable arbitration provisions below, you agree that any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Pinellas County, Florida, and you consent to the personal jurisdiction of such courts, except where applicable law requires otherwise.
27. DISPUTE RESOLUTION
Please read this section carefully as it affects your legal rights.
Informal Resolution
Before filing any claim, both parties agree to make a good-faith effort to resolve the dispute by contacting the other party in writing.
If the dispute cannot be resolved within thirty (30) days, either party may pursue remedies available under this section.
Binding Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or use of the Services shall be resolved through final and binding arbitration administered by the American Arbitration Association in accordance with applicable rules.
The arbitration shall be conducted before a single arbitrator in Pinellas County, Florida, unless otherwise required by applicable law.
The arbitrator's decision shall be final and binding, and judgment on the arbitration award may be entered in any court having jurisdiction.
Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief from a court of competent jurisdiction to protect intellectual property rights, confidential information, or proprietary rights pending arbitration.
Class Action Waiver
To the fullest extent permitted by law, each party agrees that disputes shall be brought solely in an individual capacity and not as part of a class, consolidated, collective, or representative proceeding.
28. DISCLAIMER
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that Services will always be available, uninterrupted, error-free, free of harmful components, or completely accurate or current.
Educational materials, coaching, courses, webinars, AI-generated content, and other information are intended for educational and informational purposes and should not be considered legal, medical, financial, tax, investment, or other professional advice.
29. NO PROFESSIONAL RELATIONSHIP
Use of the Services does not create an attorney-client, physician-patient, financial advisor-client, accountant-client, agency, partnership, joint venture, employment, or fiduciary relationship between you and the Company.
30. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO USE OF THE SERVICES.
This includes loss of profits, business opportunities, revenue, goodwill, data, or business continuity.
We shall not be liable for damages resulting from third-party services, internet outages, telecommunications failures, hosting provider failures, payment processor interruptions, cyberattacks, unauthorized access to your account, or events beyond our reasonable control.
To the maximum extent permitted by law, total liability shall not exceed the greater of:
The amount paid to us during the preceding twelve months; or
One hundred U.S. dollars ($100)
Some jurisdictions do not permit certain liability limitations, so portions of this section may not apply.
31. INDEMNIFICATION
You agree, to the extent permitted by law, to defend, indemnify, and hold harmless the Company and its owners, officers, directors, employees, contractors, affiliates, licensors, successors, and agents from claims, damages, liabilities, losses, costs, expenses, and reasonable attorneys' fees arising from your use of the Services, your violation of these Terms, your violation of law, your infringement of intellectual property or privacy rights, your negligence, misconduct, or fraudulent activity, or your submitted content or Contributions.
32. USER DATA
We may maintain information submitted in connection with the Services for operational, legal, security, business, and compliance purposes.
While we implement commercially reasonable safeguards, no electronic system is completely secure.
You remain responsible for maintaining backups of information you submit where appropriate.
Additional details regarding collection, use, retention, and protection of personal information are described in our Privacy Policy.
33. FORCE MAJEURE
The Company shall not be liable for failure or delay caused by events beyond reasonable control, including natural disasters, hurricanes, floods, fires, pandemics, governmental actions, labor disputes, terrorism, civil unrest, cyberattacks, internet failures, utility outages, telecommunications failures, supply chain disruptions, or third-party vendor failures.
Performance may be suspended for the duration of the force majeure event.
34. CHANGES TO THESE TERMS
We may revise these Terms from time to time.
The updated version will be posted with a revised "Last Updated" date.
Your continued use of the Services after changes become effective constitutes acceptance of revised Terms where permitted by law.
If you do not agree to revised Terms, discontinue use of the Services.
35. SEVERABILITY
If a provision of these Terms is determined invalid, illegal, or unenforceable, remaining provisions shall continue in full force and effect.
Any unenforceable provision shall be interpreted to reflect the original intent as closely as permitted by applicable law.
36. WAIVER
Failure to enforce a provision does not constitute a waiver.
No waiver shall be effective unless in writing.
37. ASSIGNMENT
We may assign or transfer rights and obligations under these Terms where permitted by law.
You may not assign rights or obligations without prior written consent.
38. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy and additional policies or agreements expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Services and supersede prior or contemporaneous understandings relating to the Services.
39. CONTACT INFORMATION
If you have questions regarding these Terms, please contact:
MJR Dominion LLC d/b/a The Forbes Factor
Business Address:
3158 24th Ave N
St. Petersburg, FL 33713
United States