Terms and Conditions — 15 Minute Content Engine

1. Links to Important Policies

These Terms incorporate by reference the following policies:

• Privacy Policy: legal.15minutecontentengine.com/privacy
• Refund Policy: legal.15minutecontentengine.com/refund
• Earnings Disclaimer: legal.15minutecontentengine.com/earnings-disclaimer

If there is a conflict between these Terms and a policy, the policy will control for that subject matter.

2. Eligibility; No Use by Minors

You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is higher) to purchase or use the Services. By using the Services, you represent and warrant that you meet this requirement.

3. No Professional Advice

The Services provide general educational and informational content only. We do not provide and are not providing financial, legal, tax, accounting, medical, or any other professional advice. You are solely responsible for your decisions, actions, and results. Consult qualified professionals before acting on any information provided through the Services.

4. Earnings, Results & FTC Compliance

We are committed to full transparency and FTC compliance:

• No Earnings Guarantees. We do not promise, guarantee, or represent that you will earn any money, obtain clients, grow an audience, or achieve any specific outcome using the Services.
• Results Vary. Any results depend entirely on individual factors including your skill, effort, consistency, experience, niche selection, market conditions, and platform changes beyond our control.
• Testimonials Are Not Typical. Any testimonials, income figures, screenshots, or case studies shared are not typical results, are not a guarantee of future performance, and are provided for illustrative purposes only. Individual results will vary.
• Your Marketing Must Be Compliant. If you market your own results or promote our Services (including as an affiliate), you agree to:
  • clearly disclose any material connections (e.g., "I may earn a commission"),
  • avoid deceptive or misleading income claims,
  • comply with all applicable FTC endorsement and advertising guidelines.

For full detail, review our Earnings Disclaimer.

5. Accounts & Security

You may be required to create an account to access certain Services. You agree to:

• provide accurate, current, and complete information,
• keep your login credentials strictly confidential,
• notify us immediately of any unauthorized access or suspected breach.

Account sharing is strictly prohibited. Each purchase grants access to a single user only. We may suspend or terminate access for suspected credential sharing, abuse, or fraud without refund.

6. Purchases; Digital Delivery; Taxes

Upon purchase, you will receive immediate or near-immediate access to digital course materials, training content, and/or digital products. You acknowledge that:

• digital products are delivered electronically and are non-tangible,
• you are responsible for any applicable taxes, duties, or fees imposed by your jurisdiction,
• it is your responsibility to ensure your device and internet connection are compatible with accessing the materials.

7. Refund Policy (Incorporated by Reference)

All refunds, if any, are governed solely by our Refund Policy. Due to the immediate digital delivery of our products, all sales are final unless otherwise expressly stated in the Refund Policy or required by applicable law. Purchasing constitutes your acknowledgment and acceptance of this policy.

8. Intellectual Property; License to You

All content and materials provided through the Services — including but not limited to course videos, training modules, scripts, prompt libraries, templates, worksheets, graphics, branding, and written materials — are owned by us or our licensors and are protected by applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own personal or internal business use only.

You may not:

• reproduce, copy, sell, sublicense, share, publish, or distribute our materials in any form,
• create competing products or derivative works based on our materials,
• record, screenshot, or redistribute course content,
• remove or alter any proprietary notices or branding,
• use automated means to access or scrape our content or platforms.

Violation of this section may result in immediate termination of access without refund and may expose you to legal liability.

9. AI Tools, Prompts & User Responsibility

The Services include AI prompt frameworks, templates, and training on the use of third-party AI tools. You acknowledge and agree that:

• Output Accuracy. AI-generated content may be inaccurate, incomplete, or misleading. You are solely responsible for reviewing, verifying, and editing all outputs before use.
• Platform Compliance. You are responsible for ensuring your content complies with all applicable laws, regulations, and third-party platform policies (e.g., social media platform rules, FTC guidelines).
• Third-Party Tools. Any third-party tools referenced or recommended in the Services (including AI video generation platforms) are governed by their own terms of service. We are not responsible for third-party performance, outages, pricing changes, content moderation decisions, or policy changes.
• No Responsibility for User Content. We are not responsible for what you create, publish, or how you use AI-generated outputs derived from our training.

Ownership of Your Content

As between you and us, you own the original content you create using our training and prompt frameworks. We do not claim ownership of your outputs. We retain full ownership of all proprietary prompt frameworks, training materials, and methodologies taught in the Services.

10. User Content & Community Areas

If you submit content to any community, forum, or group associated with the Services ("User Content"), you grant us a worldwide, royalty-free license to host, store, reproduce, and display such User Content solely for the purpose of operating the Services. You represent that you have the rights to submit such content and that it does not infringe any third-party rights.

We reserve the right to remove any User Content at our sole discretion without notice.

11. Acceptable Use

You agree not to use the Services to:

• make deceptive, misleading, or unsubstantiated income claims in your own marketing,
• engage in spam, platform manipulation, or violations of any platform's terms of service,
• infringe intellectual property, privacy, or publicity rights of any person,
• create or distribute illegal, hateful, harassing, defamatory, or exploitative content,
• impersonate others or create deceptive deepfakes,
• attempt unauthorized access to our systems or other users' accounts,
• violate any applicable local, state, federal, or international law or regulation.

We may suspend or terminate access immediately and without refund for any violation of this section.

12. DMCA / Copyright Complaints

If you believe content available through the Services infringes your copyright, please contact us through the support channel in your member dashboard with sufficient detail to allow us to investigate. We will respond in accordance with applicable law and may remove infringing content and/or terminate repeat infringers.

13. Termination & Suspension

We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe:

• you have violated these Terms,
• your use creates legal, reputational, or operational risk,
• required by law or to prevent fraud or abuse.

Upon termination, your license to access the Services ends immediately. No refund will be issued for terminations resulting from violations of these Terms. The following sections survive termination: Sections 8, 9, 14, 15, 16, 17, 19, and 20.

14. Disclaimers (As-Is; No Warranties)

To the maximum extent permitted by applicable law, the Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or completeness.

We do not warrant that:

• the Services will be uninterrupted, error-free, or secure,
• course content will be current, accurate, or complete at all times,
• AI-generated outputs will be correct or suitable for your purposes,
• any specific results, income, or outcomes will be achieved.

15. Limitation of Liability

To the maximum extent permitted by applicable law:

• We will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to lost profits, lost revenue, lost data, business interruption, or reputational harm, even if advised of the possibility of such damages.
• Our total cumulative liability for any and all claims arising out of or related to the Services will not exceed the greater of:
  • the total amount you paid to us in the 12 months preceding the event giving rise to the claim, or
  • $100 USD.

Some jurisdictions do not allow certain liability limitations. In such cases, the limitation applies to the fullest extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless 15 Minute Content Engine and its owners, officers, directors, employees, contractors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• your use of or access to the Services,
• your content, marketing materials, or public representations (including any income claims),
• your violation of these Terms,
• your violation of any applicable law or third-party rights.

17. Chargebacks & Payment Disputes

If you initiate a chargeback or payment dispute that is inconsistent with our Refund Policy, we reserve the right to:

• immediately suspend your access to the Services pending resolution,
• submit evidence to the payment processor to contest the dispute,
• pursue recovery of any fees, costs, or losses incurred as a result of a wrongful or fraudulent chargeback, to the extent permitted by law.

Initiating a chargeback does not constitute a valid refund request and may result in permanent account termination.

18. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law provisions, except where preempted by applicable federal law. Any disputes not subject to arbitration under Section 19 shall be brought exclusively in the state or federal courts located in Bexar County, Texas, and you consent to personal jurisdiction in those courts.

19. Binding Arbitration & Class Action Waiver

(a) Informal Resolution First

Before initiating arbitration, you agree to contact us through the support channel in your member dashboard with a written description of the dispute and your desired resolution. We will attempt to resolve the dispute informally within 30 days of receipt.

(b) Binding Arbitration

If the dispute is not resolved informally, any and all disputes, claims, or controversies arising out of or relating to these Terms or the Services — including questions of arbitrability — will be resolved exclusively by binding individual arbitration, not in court, except as provided in subsection (e) below.

• Arbitration Provider: JAMS (jamsadr.com)
• Rules: JAMS Streamlined Arbitration Rules & Procedures (for claims under $250,000) or JAMS Comprehensive Arbitration Rules & Procedures (for claims over $250,000)
• Seat/Location: San Antonio, Bexar County, Texas
• Language: English
• Fees: Each party will bear its own arbitration costs unless the arbitrator determines otherwise. For claims under $10,000, we will pay all JAMS filing fees.

(c) Class Action Waiver

You and we each agree to bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims. If this class action waiver is found unenforceable, the entire arbitration agreement in this Section 19 shall be null and void.

(d) Jury Trial Waiver

To the fullest extent permitted by law, you waive your right to a jury trial for any dispute arising out of or related to these Terms or the Services.

(e) Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction in Bexar County, Texas to prevent misuse of intellectual property, unauthorized access, or irreparable harm without first engaging in arbitration or the informal dispute resolution process.

(f) Opt-Out

You may opt out of this arbitration agreement by sending written notice to us within 30 days of first accepting these Terms via the support channel in your member dashboard. Your opt-out notice must include your full name, email address used at purchase, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.

20. Changes to These Terms

We reserve the right to update or modify these Terms at any time. The "Last Updated" date at the top will reflect the most recent revision. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

21. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court or arbitrator, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

22. Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, and Earnings Disclaimer, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements, representations, or understandings.

23. Contact

For questions about these Terms, please use the official support channel provided in your member dashboard.