TERMS AND CONDITIONS
Effective Date: 12/20/25

These Terms and Conditions (“Terms”) govern your use of witstrategy.education (the “Site”), operated by KMA Venture, LLC and KMA Education (“we,” “our,” or “us”). By accessing or using the Site, enrolling in our courses, or purchasing any programs or digital materials, you agree to be bound by these Terms. If you do not agree, do not use the Site.

• USE OF THE SITE
  You must be at least 18 years old to use this Site or participate in any of our programs. You agree to use the Site for lawful purposes only and not for any activity that violates applicable laws or regulations.
• EDUCATIONAL USE ONLY
  All content on this Site, including courses, videos, materials, downloads, workshops, and coaching resources, is provided for educational and informational purposes. It should not be considered financial, investment, legal, tax, medical, mental health, or professional advice.
• INTELLECTUAL PROPERTY
  All content on the Site, including text, graphics, videos, course materials, branding, and digital downloads, is owned by KMA Venture, LLC and KMA Education and protected by copyright and other intellectual property laws.
  You may not modify, copy, reproduce, distribute, or share any content without written permission. Course access is for personal use only and may not be shared, resold, or transferred.
• ACCOUNT ACCESS
  If you create an account, you are responsible for maintaining its confidentiality and all activities under your account. You must notify us immediately of any unauthorized use.
• PAYMENTS AND BILLING
  All purchases, subscriptions, and program fees must be paid in full at the time of purchase unless otherwise stated. You agree to provide accurate payment information and authorize us or our payment processors to charge your chosen payment method.
• REFUNDS
  Refund policies vary depending on the specific program and will be clearly stated at checkout or in program materials. Unless specifically stated otherwise, all digital products, courses, and downloadable materials are non-refundable due to the nature of instant access.
• NO GUARANTEES
  We do not guarantee specific results, outcomes, financial gains, business growth, mindset shifts, or any particular performance from using our materials. Your results depend on many personal factors including commitment, knowledge, and market conditions.
• USER RESPONSIBILITIES
  You agree not to:
  a. Share course access with others
  b. Attempt to reverse engineer or duplicate course content
  c. Misuse any communication features within courses or programs
  d. Engage in harassment, abuse, or inappropriate conduct toward staff or other students

We reserve the right to terminate access to the Site or programs without refund if these Terms are violated.

• THIRD-PARTY TOOLS AND LINKS
  The Site may link to third-party websites or use third-party tools. We are not responsible for the content, accuracy, or actions of any third-party sites or services. Accessing third-party content is at your own risk.
• DISCLAIMERS
  The Site is provided “as is” without warranties of any kind. We do not guarantee the accuracy, completeness, or reliability of Site content or that the Site will be available without interruptions or errors.
• LIMITATION OF LIABILITY
  To the fullest extent permitted by law, KMA Venture, LLC and KMA Education are not liable for any direct, indirect, incidental, consequential, or other damages arising from your use of the Site, application of educational content, investment decisions, or participation in programs.
• INDEMNIFICATION
  You agree to indemnify and hold harmless KMA Venture, LLC and KMA Education from any claims or damages arising out of your use of the Site, violation of these Terms, or misuse of our content.
• PRIVACY
  Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your data. By using the Site, you consent to the practices described in the Privacy Policy.
• CHANGES TO TERMS
  We may update these Terms at any time. Any changes will be posted on this page with a new “Effective Date.” Continued use of the Site constitutes acceptance of the updated Terms.
• TERMINATION
  We may suspend or terminate your access to the Site or programs at any time for violation of these Terms or for conduct that we determine to be harmful to the Site, our company, or other users.
• GOVERNING LAW
  These Terms are governed by and interpreted in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.
• CONTACT INFORMATION
  If you have questions about these Terms, contact us at:
  Email: [your contact email]