TERMS OF SERVICE

Effective Date: 07/29/2025Welcome to WELM. By purchasing digital products or coaching services from us, you agree to the following Terms of Service.

1. Overview
WELM provides educational content, business credit coaching, and digital products to help entrepreneurs improve their business fundability. We do not offer legal, tax, or financial guarantees.2. Services Offered
Digital downloads (eBooks, guides, templates) sold via PayhipBusiness credit coaching and strategy programsOptional scheduling through CalendlyPayment processing handled via Payhip using Stripe and/or PayPal3. Client Responsibilities
You are responsible for completing action items (“Client Tasks”) suggested in coaching.WELM provides guidance only; we do not perform tasks on your behalf.No results or funding approvals are guaranteed.4. Payments and Refunds
All payments are processed securely via Payhip, Stripe, or PayPal.Digital products are non-refundable once accessed/downloaded.Coaching services may have installment plans; missed payments may lead to service suspension.No refunds will be issued for missed sessions unless canceled 24 hours in advance.5. Intellectual Property
All content (eBooks, templates, training materials) is the property of WELM and may not be copied, redistributed, or resold without permission.6. Third-Party Services
We use third-party tools (e.g., Payhip, Calendly) to deliver our services. Their separate terms of use apply. We are not liable for outages, errors, or misuse on their platforms.7. Changes to Terms
We reserve the right to update these terms at any time. Continued use of our services implies acceptance of the updated terms.8. Contact
For questions, email: [email protected]