Legal

Terms & Conditions

Effective September 1, 2021 · Updated June 2022, Oct 2025

Welcome to For The 18 Percent™. Please read carefully — your access and use of this Site and Program are subject to legally binding terms and conditions. By accessing this Site, you accept and agree to all the terms below.

The materials appearing on the website forthe18percent.com (the “Site”) are provided for educational, informational, and promotional purposes related to the programs, events, and community offered by For The 18 Percent, LLC (“Company,” “we,” “us,” or “our”).

By using this Site or enrolling in any Program, you agree that your participation and reliance on the information provided are at your own risk.

The following Terms form a binding legal agreement (“Agreement”) between you (“Client,” “Participant,” or “User”) and For The 18 Percent, LLC, a Georgia limited liability company. We may update or modify these Terms at any time without notice, and continued use of the Site or Program constitutes your acceptance of the revised Terms.

1. Copyright

All materials created by For The 18 Percent, LLC™ on this Site and within our Programs are protected under Georgia copyright law as original works. All rights, title, and interest in and to such materials remain the sole property of For The 18 Percent, LLC™, whether or not a copyright symbol appears.

You may not copy, reproduce, modify, or distribute any materials from this Site or the Program without written permission.

2. Links to Third-Party Websites

This Site may contain links to third-party websites. These links are provided solely for convenience and do not constitute an endorsement. For The 18 Percent, LLC™ is not responsible for the content, accuracy, or privacy practices of any linked website and assumes no liability for any loss or damage resulting from your use of such sites.

3. Intellectual Property Ownership

If materials are available for download, a revocable, non-exclusive, non-transferable license is granted for your personal, non-commercial use. This is a license, not a transfer of ownership.

You may not:

• Modify or copy the materials;
• Use them for any commercial purpose or public display;
• Share or transfer them to another person; or
• Upload or “mirror” them on another server.

This license terminates automatically if you violate any of these restrictions and may be revoked at any time. Upon termination, you must destroy any downloaded materials in your possession, whether digital or printed.

If For The 18 Percent, LLC™ discovers that you have misused or infringed upon any intellectual property, we reserve the right to block your access to all Programs, pursue legal remedies, and require you to pay all legal fees incurred.

4. Testimonials

We love to celebrate our students’ wins and success stories.

By participating in any For The 18 Percent™ Program, you grant permission for For The 18 Percent, LLC™ to use your testimonials, social media comments, messages, or public praise in marketing materials and promotional efforts. This may include screenshots, direct messages, or posts in private communities. Your full name will not be publicly displayed, and confidentiality provisions still apply. Testimonials are the only exception to our confidentiality policy.

5. Refund Policy — 30-Day Action Taker Guarantee

We are committed to transforming careers and lives through our training. That’s why we offer our 30-Day Action Taker Guarantee — do the work, or get your money back.

5.1 Eligibility

To qualify, you must:

• Sign and return the Action Taker Guarantee Agreement within 48 hours of enrollment.
• Complete the following within 30 days of your start date: attend 1 New Members Call; complete Pre-Homework; finish Steps 1–6 of the Program with at least 80% completion; attend 4 live, one-hour weekly calls; and complete 1 Skill Lab.

5.2 Refund Request Process

Our commitment is to change people’s careers and lives. You can participate in the Program for up to the first 6 Modules. If you do the full coursework, don’t get value or feel we’ve delivered on our promise, email your completed work to hello@forthe18percent.com.

Your submission must include proof of participation and completion of all listed requirements. If you meet all criteria, we will issue a full refund within 14 business days.

Refunds are not available if you:

• Fail to complete the requirements above,
• Do not submit your signed Guarantee Agreement within 48 hours of purchase, or
• Request a refund after the 30-day window.

The risk is on us — your only job is to take action.

5.3 Digital Product Policy

Due to the digital nature of the Program, once you access the materials, your purchase is considered final. Beyond the 30-Day Action Taker Guarantee period, all sales are final and non-refundable.

6. Blocklist + Disputed Payments

For The 18 Percent, LLC™ reserves the right to blocklist users who:

• Fail to pay balances owed,
• File payment disputes or chargebacks, or
• Infringe upon our intellectual property.

Blocked users lose access to all current and future Programs. To regain access, you must:

• Pay the outstanding balance in full, and
• Agree that no refund will be issued for previously forfeited access.

If you dispute a payment, you agree to pay all Stripe, PayPal, or bank dispute fees before reinstatement.

7. Payment Plans

We offer flexible payment options: pay in full or in monthly installments. By selecting a payment plan, you authorize us to automatically charge your provided payment method for each installment.

Your enrollment is a commitment to complete all payments in full. Payment plans cannot be canceled mid-term, and failure to pay will result in suspension or termination of access.

8. Late or Broken Payment Plans

We understand that life happens. If you fall behind on your payment plan:

• We allow a three-month grace period to bring your account current.
• After three months of delinquency, a 10% late fee of the monthly payment amount will be added for each additional month (up to one year).
• To restore access, you must pay all past-due balances and late fees in full.

You agree not to initiate chargebacks or cancel your payment method without written consent. If a chargeback occurs, For The 18 Percent™ reserves the right to pursue full collection, report delinquencies, and block future enrollment.

9. Course Access

Enrollment includes 12 months of full access to:

• The For The 18 Percent™ training portal,
• Monthly calls, and
• The private student community.

Access begins immediately upon enrollment and cannot be paused. After your 12 months, you may extend access through a paid course extension. Extensions are non-refundable and non-transferable.

10. Course Updates + Bonuses

We continually update the For The 18 Percent™ curriculum to meet the needs of our students. Students receive access to all curriculum updates and promised bonuses during their active 12-month enrollment or valid class pass period.

Bonuses are non-refundable, non-exchangeable, and available only for the bonuses advertised at the time of your enrollment. If you enroll within 30 days of a new bonus launch, we’ll happily include it for free.

Effective June 2022 — For The 18 Percent™ became a 1-year access program.

Effective December 2022 — For The 18 Percent™ added an optional Internship Experience, available within the first 9 months of enrollment (“use it or lose it”). Only one internship seat per enrollment.

11. No Guarantees

We make no guarantees regarding any results, outcomes, or earnings from your participation. Your success depends on your own effort, time, and implementation. While we equip you with tools and training, we cannot control external factors such as job markets, personal circumstances, or level of engagement. Even if other students have achieved specific results, your outcomes may differ.

12. Limitation of Liability

In no event shall For The 18 Percent, LLC™, its affiliates, or employees be liable for any direct, indirect, incidental, consequential, or special damages (including loss of data, income, or business interruption) arising from the use or inability to use this Site or Program materials. Participation is voluntary and at your own risk.

13. Indemnification

You agree to indemnify, defend, and hold harmless For The 18 Percent, LLC™, its directors, agents, and employees from any and all liabilities, losses, damages, or expenses (including attorney’s fees) arising out of your use of the Site, Program, or violation of these Terms.

14. Governing Law

This Agreement shall be governed by and construed under the laws of the State of Georgia, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in Atlanta, Georgia, and you waive any right to class action or jury trial participation.

15. SMS / Text Messaging Terms

By providing your mobile number and consenting to receive text messages from For The 18 Percent, LLC™, you agree to the following terms. Types of messages you may receive:

• Account and transactional alerts (enrollment confirmations, payment reminders, receipts);
• Program notifications (class times, live call reminders, schedule changes, deadlines);
• Customer service and support replies;
• Promotional and marketing messages (offers, enrollment openings, events, new resources).

To stop receiving messages, reply STOP to any text message. Message and data rates may apply. Check with your carrier for details. Carriers are not liable for delayed or undelivered messages. You must be 18 years of age or older to use this SMS service.

For help, reply HELP to any message or email hello@forthe18percent.com. Message frequency varies. Consent to receive marketing texts is not a condition of purchase.

16. Entire Agreement

These Terms, along with our Privacy Policy, the Action Taker Guarantee Agreement, and any policies referenced herein, constitute the entire agreement between you and For The 18 Percent, LLC™ and supersede all prior agreements or understandings. We may revise these Terms at any time without notice. Continued use of the Site or Program signifies your acceptance of the current Terms.