1. Terms

HG Marketing LLC ("we" or "us") operate the From Pennies to Gold online training program (the “School”) and the www.pennies2gold.com website (the “Website”).

Please read these Terms of Use carefully. By accessing any part of the Website or the School, you agree to be bound by the Terms of Use. These Terms of Use comprise an electronic contract that establishes the legally binding terms you must accept to use the School, and include our Privacy Policy. If you do not agree to the Terms of Use, you are prohibited from accessing the Website or the School.

If you breach any provision of these Terms of Use, your right to access the School shall cease immediately.

2. Scope of Services

The School is a proprietary course that provides users with online training, tutorials, support groups, strategies in relation to online marketing through Shopify using Facebook and Instagram advertising platform.

We are not a business consultant, advisor, or other professional service, and we offer the School as an informational course to assist you in your eCommerce business.

You agree that you are solely responsible for the performance of your eCommerce business.

3. Use License

Permission is granted to temporarily download one copy of any downloadable material available through the School (“Materials”) for personal, non-commercial use. This is the grant of a license, not a transfer of title, and under this license you may not:

(a) modify or copy the Materials;

(b) use the Materials for any commercial purpose, or for any public display (commercial or non-commercial);

(c) remove any copyright or other proprietary notations from the Materials; or

(d) transfer the Materials to another person, 'mirror' the Materials on any other server, or reproduce the Materials in any form.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time.

Upon termination of this license, you agree to destroy any downloaded Materials in your possession, whether in electronic or printed format.

You agree that you shall not use the School, the Website, or any of the Materials:

(a) in any unlawful, fraudulent, or commercial manner other than as outlined herein, or any other manner prohibited under these Terms of Use;

(b) to submit any information that amounts to a breach of any third party’s privacy or intellectual property rights;

(c) to upload, transmit, or distribute to or through the Website any computer viruses, worms, or any software intended to damage or alter a computer system or data;

(d) to send through the Website unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise;

(e) to use the Website to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent;

(f) to interfere with, disrupt, or create an undue burden on servers or networks connected to the Website, or violate the regulations, policies or procedures of such networks;

(g) to attempt to gain unauthorized access to the Website, the School, or any Materials whether through password mining or any other means; or

(h) to use software or automated agents or scripts to produce multiple accounts, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Website.

4. Disclaimer

The materials on the School’s website are provided 'as is'. The School makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchant ability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, the School does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the Materials or otherwise relating to such materials or on any sites linked to the Website or the School, including the terms of our Disclaimer, which are incorporated into these Terms of Use by reference.

5. Limitations

In no event shall we be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of your use of the School, the Materials, or the Website, or the use or inability to access, the School, use the Materials, even if we or an have been notified orally or in writing of the possibility of such damage. You further agree that we are not involved in any way in your business operations and provide no representation, guarantee, or warranty in relation to your business’ performance.

6. Revisions and Errata

The Materials may include technical, typographical, or photographic errors. We do not warrant that any of the Materials are accurate, complete, or current. We may make changes to the Materials at any time without notice. The Materials are provided on an “as is” basis, accordingly, we do not make any commitment to update the Materials.

7. Links

We may provide links, through the Website or the School, to the websites of third parties. We have not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by us of such site. Any such links are provided for your interest and convenience only, and you agree that use of any such linked website will be at your own sole risk.

8. Confidentiality

We are committed to protecting your privacy, and will process any information received from you in accordance with our Privacy Policy. By using the School, you agree to the manner and form in which we process and deal with all personal information.

9. Account

You are responsible for maintaining the security of your account, and you agree to provide us with complete and accurate information when you register for an account. You are fully responsible for keeping your password secure, and all activities that occur under the account and any other actions taken in connection with the account. You must immediately notify us of any unauthorized uses of your account, or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

10. Indemnity

You agree to defend, indemnify and hold us, and our subsidiaries, affiliates, and each of our directors, officers, managers, partners, agents, other representatives, employees and customers (each an “Indemnified Party” and collectively, the “Indemnified Parties”), harmless from any claim, demand, action, damage, loss, cost or expense, including without limitation, lawyers' fees and costs, investigation costs and settlement expenses, incurred in connection with any investigation, claim, action, suit or proceeding of any kind brought against any Indemnified Party arising out of your use of the Website, the Materials or the School, any alleged or actual infringement of the intellectual property rights of any party, any injury or damage to property or person, any act by you in connection with any user or any other third party, or alleging facts or circumstances that could constitute a breach by you of any provision of these Terms of Use and/or any of the representations and warranties set forth above.

11. Intellectual Property

We own and retain all proprietary rights in the School, Website, and the Materials, and in all content, trademarks, trade names, service marks and other intellectual property rights related thereto. The School contains the copyrighted material, trademarks, and other proprietary information. You agree not to not copy, modify, transmit, create any derivative works from, make use of, or reproduce in any way any copyrighted material, trademarks, trade names, service marks, or other intellectual property or proprietary information accessible through the Website or the School. You agree to not remove, obscure or otherwise alter any proprietary notices appearing on any content, including copyright, trademark and other intellectual property notices.

12. Term and Termination

These Terms of Use will remain in full force and effect while you use the School.

You acknowledge and agree that we may, at our sole discretion, terminate your access to the School, without notice, for any reason, including, without limitation, your breach of any term of these Terms of Use. You understand and agree that we are not required, and may be prohibited, from disclosing to you the reason for termination of your access to the School.

You acknowledge and agree that we will not be liable to you or any third party for any costs or damages of any kind for or resulting from any termination of your access to the School, and that upon termination, your information may be deleted or kept as necessary.

13. Payment

We will use reasonable efforts to process any payment made by you in accordance with the terms agreed upon.

Any refund will be made in accordance with our refund policy.

Certain courses provided by the School are available for a deferred payment plan on the following terms:

(a) you shall have the options to make two monthly payments;

(b) such payments shall be due on the date which you sign up for the applicable course, and on the day that is one month from such date;

(c) in the event that any subsequent payment fails to complete, you authorize us to continue to attempt to charge your applicable credit card information via the Stripe application;

(d) in consideration of the deferred payment, a purchase of a course pursuant to any deferred payment plan shall be non-refundable and all fees associated with such course shall be fully earned by us on the date of purchase;

(e) we reserve the right to modify, alter, cancel, or discontinue the availability of certain courses on a deferred payment plan from time to time, at our sole discretion; and

(f) in the event that consecutive payments have failed, we may add a 19% interest rate accrued on a monthly basis until the balance has been cleared.

Our billing system, and any system used by parties that facilitate such billing system, is not fault-free or flexible, as such you agree to release us from any liability resulting from any problems, miscalculations, or malfunctions in processing the payments made by you.

If you believe that a mistake with regard to any payment has occurred you may send your complaint to home@pennies2gold.com, and we will make reasonable efforts to resolving such complaint.

(g) You agree to pay the full amount of the program. Whether you choose installment ‘payment’ plans or decide to pay in full, you understand that there are NO REFUNDS, and NO CHARGEBACKS of any sort, at any time.

(h) Due to the personalized nature of the Services, Chelsea Guarriello may also offer other services add-ons on an a la carte basis which may be purchased separately. Upon purchase of our Services, you will receive exclusive information regarding all Services provided and information to cater to your business needs and goals. Requests for Services that fall outside of those outlined under any membership will be priced on an a la carte basis to be determined by Chelsea Guarriello.

14. Site Terms of Use Modifications

We may revise these Terms of Use at any time without notice. All changes shall be effective from their date of posting. By using the Website, the School, or the Materials you are agreeing to be bound by the then current version of these Terms of Use.

15. Arbitration

You agree that any claim or dispute related to the use of the School, related to these Terms of Use or otherwise, including the validity of this arbitration clause, shall be resolved by binding arbitration by the American Arbitration Association, under the Arbitration Rules then in effect. Any award of the arbitrator(s) may be entered as a judgment in any court of competent jurisdiction.

16. Feedback

If you provide us with any feedback or suggestions regarding the School (“Feedback”), you hereby assign to us all rights in such Feedback and agree that we shall have the right to use and fully exploit such Feedback and related information in any manner we may deem appropriate.

We will treat any Feedback as non-confidential and non-proprietary, and you agree not to submit as Feedback any information or ideas that you consider to be confidential or proprietary.

17. Miscellaneous

HG Marketing LLC (“we” or “us”) provides the Website, the School, and all Materials provided in connection with such resources and services, and these Terms of Service comprise an electronic contract made between you and HG Marketing LLC which governs the provision of such services and resources.

Nothing in these Terms of Use shall be construed as making either party the partner, joint venture, agent, legal representative, employer or employee of the other. Neither party shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action that shall be binding on the other, except as provided for herein or authorized in writing by the party to be bound.

You shall not assign your rights and obligations according to these Terms of Use, in whole or in part, whether voluntarily or by operation of law, without our prior written consent. Any purported assignment by you without the appropriate prior written approval will be null and void and of no force or effect.

These Terms of Use shall be interpreted only in accordance with the laws of the State of Nevada, USA and any legal proceeding arising out these Terms of Use will occur exclusively in the courts located in Nevada.

Subject to the foregoing, these Terms of Use will be binding and will ensure to the benefit of the legal representatives, successors and assigns of the parties hereto.

No amendment to these Terms of Use will be effective unless made in writing.

The paragraph headings herein are solely for the sake of convenience and will not be applied in the interpretation hereof.

If any provision of these Terms of Use are held by a court of competent jurisdiction to be illegal, invalid, unenforceable, or otherwise contrary to law, the remaining provisions of these Terms of Use will remain in full force and effect.

18. Price Changes

Prices posted on this Site may be different than prices offered by us through promotions online, on social media, or with affiliates or brand partners. All prices, discounts, and promotions posted on this Site are subject to change without notice. The price charged for a product or service will be the price in effect at the time the order is placed and will be set out in your order confirmation email. Price increases will only apply to orders placed after such changes. We strive to display accurate price information, however we may, on occasion, make inadvertent typographical errors, inaccuracies or omissions related to pricing and availability. We reserve the right to correct any errors, inaccuracies, or omissions at any time and to cancel any orders arising from such occurrences.

19. Contact

If you have any questions or concerns about these Terms of Use, you may contact us at home@pennies2gold.com.

You will be emailed a coaching contract that you will need to sign confirming that you read the terms and conditions above. By reading these terms and conditions, and checking the box confirming on the checkout page confirming that you did, you are agreeing to sign this coaching contract once emailed to you.