Terms and Conditions

(Last updated: January 01, 2026)

Please read these terms and conditions carefully before using Our Service.

1. Interpretation and Definitions

1.1 Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

1.2 Definitions 

For the purposes of these Terms and Conditions:

1.2(a) Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority. For clarity, this definition does not refer to marketing affiliates, referral partners, or individuals who may promote the Company’s Products through affiliate codes or referral codes.

1.2(b) State refers to: Tennessee, United States

1.2(c) Company (referred to as either "the Company," "We," "Us," or "Our" in this Agreement) refers to JM Consulting, LLC, the owner and operator of Stay The Course Institute.

1.2(d) Account refers to a user account created to access purchased Products, course materials, digital content, or other parts of the Service.

1.2(e) Application refers to any mobile application, web application, or third-party platform application through which the Company makes the Service, Products, course materials, or digital content available, including any application provided by Kajabi or any future application operated by or on behalf of the Company.

1.2(f) Device means any device that can access the Service, including a computer, cellphone, tablet, or other internet-connected device.

1.2(g) Order refers to Your purchase, enrollment, registration, or request to access a Product or Service through the Website or any approved payment method.

1.2(h) Payment Plan refers to an installment payment arrangement that allows You to purchase a Product by making scheduled payments over time rather than paying the full purchase price upfront.

1.2(i) Product or Products refers to any digital courses, online programs, videos, downloadable materials, workbooks, templates, resources, physical materials, memberships, subscriptions, or related educational products offered for sale or access through the Service.

1.2(j) Promotions means contests, sweepstakes, discounts, coupons, special offers, affiliate codes, referral codes, or other promotions offered through the Service.

1.2(k) Service refers to the Website, Application, Products, course platform, checkout pages, account access, digital content, and related services provided by or on behalf of the Company.

1.2(l) Subscriptions means any recurring paid access to Products or Services that the Company may offer now or in the future.

1.2(m) Terms and Conditions also referred to as "Terms," means these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

1.2(n) Third-party Social Media Service means any website, platform, application, service, software, content, data, information, product, payment processor, financing provider, or other service provided by a third party that may be displayed, linked, integrated, included, or made available through the Service.

1.2(o) Website refers to Stay The Course Institute, accessible at www.staythecourseinstitute.com, and any related pages, checkout pages, course access pages, or subdomains operated by or on behalf of the Company.

1.2(p) You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Acknowledgment

These Terms and Conditions govern Your access to and use of the Service, including the Website, Application, Products, course materials, digital content, checkout pages, and any related services provided by or on behalf of the Company.

By accessing the Website, using the Application, creating an Account, purchasing a Product, enrolling in a course, or using any part of the Service, You agree to be bound by these Terms and Conditions.

If You do not agree with any part of these Terms and Conditions, You must not access or use the Service.

You represent that You are at least 18 years old. The Company does not permit individuals under 18 to purchase Products, create an Account, or use the Service.

Your use of the Service is also subject to the Company’s Privacy Policy. Please review the Privacy Policy before using the Website, Application, Service, or submitting personal information.

3. Your Information

If You wish to purchase a Product or access part of the Service, You may be asked to provide information relevant to Your Order, including, without limitation, Your name, email address, billing information, shipping information, and payment information.

You represent and warrant that: (i) You have the legal right to use any credit card, debit card, or other payment method used in connection with any Order; and (ii) the information You provide to the Company or its payment processors is true, accurate, current, and complete.

By submitting such information, You authorize the Company to provide necessary information to third-party service providers and payment processors for the purpose of processing payments, fulfilling Orders, providing access to Products, and operating the Service.

The Company does not directly store full credit card or debit card numbers unless expressly stated otherwise. Payment information is processed by third-party payment processors subject to their own terms and privacy policies.

4. Refund Policy

Due to the digital nature of the Products and the immediate access provided upon purchase, refund eligibility is limited.

A refund request may be submitted within fourteen (14) days of purchase by contacting the Company at [email protected]. To be eligible for consideration, the request must be submitted within the 14-day period and must include the name and email address used for the purchase.

Refunds are not available after fourteen (14) days from the date of purchase.

The Company reserves the right to deny a refund request if the customer has completed a substantial portion of the Product, downloaded significant course materials, violated these Terms, shared account access, or otherwise used the Product in a manner inconsistent with a good-faith refund request.

Approved refunds will be returned to the original payment method when possible. Processing times may vary depending on the payment processor or financial institution.

Refunds for Products purchased through a third-party payment provider, financing provider, app store, or other third-party platform may be subject to that provider’s refund rules and processing requirements.

The Company may consider refund requests on a case-by-case basis, but any refund granted is at the sole discretion of the Company and does not create a right to future refunds.

If You purchased a Product through a Payment Plan, an approved refund does not automatically cancel remaining scheduled payments unless the Company confirms the cancellation of those payments in writing.

5. Prices Policy

The Company reserves the right to revise Product prices, discounts, promotions, payment options, and available offers at any time.

The price charged for a Product will be the price displayed at the time Your Order is submitted, unless there is an obvious pricing error or the Order cannot be processed.

Promotional prices, coupons, affiliate codes, referral codes, and special offers may be limited, changed, suspended, or discontinued at any time without notice.

The Company is not required to provide price adjustments, partial refunds, credits, or retroactive discounts if a Product is later offered at a lower price or under different promotional terms.

6. Payments

Payment may be made through the payment methods made available at checkout, which may include credit cards, debit cards, Stripe, PayPal, Apple Pay, Google Pay, Kajabi Payments, Klarna, Afterpay, or other approved payment methods.

Available payment methods may vary based on the Product, checkout page, location, payment processor, financing provider, or platform used to complete the purchase.

Klarna and Afterpay options, if available, are only available on paid-in-full purchases unless otherwise stated at checkout.

Payment cards and other payment methods are subject to validation checks, authorization, and approval by the applicable card issuer, payment processor, financing provider, or financial institution. If payment authorization is not received, the Company will not be liable for any delay, denial of access, or non-delivery of a Product.

By submitting an Order, You authorize the Company and its third-party payment processors to charge the payment method provided for the full amount due, including any applicable taxes, fees, installment payments, or recurring charges disclosed at checkout.

If a payment is declined, reversed, disputed, charged back, or otherwise not completed, the Company may suspend or revoke access to the Product or Service until the payment issue is resolved.

The Company is not responsible for fees charged by Your bank, card issuer, financing provider, or payment processor, including overdraft fees, foreign transaction fees, late fees, interest, or other charges.

You are responsible for any applicable taxes, duties, fees, or governmental charges associated with Your Order, except where the Company is required by law to collect and remit such amounts.

7. Payment Plans

The Company may offer Payment Plans for certain Products. A Payment Plan allows You to purchase a Product by making scheduled installment payments instead of paying the full purchase price upfront.

By selecting a Payment Plan, You agree to pay the full purchase price according to the payment schedule disclosed at checkout. A Payment Plan is not a subscription and does not automatically cancel simply because You stop using the Product, stop accessing the Service, or fail to complete the course.

You authorize the Company and its third-party payment processors to charge the payment method provided for each scheduled installment payment until the Payment Plan is paid in full.

If a Payment Plan payment fails, is declined, is reversed, or is otherwise not completed, the Company may suspend or revoke access to the Product or Service until the account is brought current.

You remain responsible for all amounts due under the Payment Plan unless the Company agrees otherwise in writing.

Updating, replacing, cancelling, or removing a payment method does not cancel Your remaining payment obligations under a Payment Plan.

If a refund is approved under Section 4, the Company will determine whether any remaining Payment Plan obligations are cancelled, reduced, or remain due, based on the terms of the approved refund.

8. Subscriptions

The Company may offer subscription-based Products or Services now or in the future.

If You purchase a Subscription, You will be billed in advance on a recurring basis according to the subscription terms disclosed at checkout. Subscription billing may occur monthly, annually, or on another recurring schedule presented at the time of purchase.

Unless otherwise stated at checkout, Subscriptions automatically renew until cancelled by You or the Company.

You may cancel a Subscription through Your Account settings, if available, or by contacting the Company. Cancellation stops future renewal charges but does not automatically entitle You to a refund for amounts already paid.

Paid Subscription fees are non-refundable unless otherwise required by law or expressly stated in writing by the Company.

If automatic billing fails, the Company may attempt to process the payment again. If payment is not completed, the Company may suspend or revoke access to the Subscription or related Products.

The Company may change Subscription fees at any time. Any Subscription fee change will apply at the end of the then-current subscription period or as otherwise permitted by law. The Company will make reasonable efforts to provide notice of material Subscription fee changes before they take effect.

9. Enterprise and Institutional Purchases

The Company may offer Products to businesses, organizations, agencies, facilities, institutions, or other groups through enterprise, bulk, institutional, or group purchasing arrangements.

Enterprise and institutional purchases may be subject to separate pricing, license counts, payment terms, access terms, implementation terms, reporting terms, refund terms, or written agreements.

Unless otherwise stated in a separate written agreement, an enterprise or institutional purchase provides a set number of individual access licenses. Each individual access license is intended for one student or end user.

Unused individual access licenses may remain available for future assignment unless otherwise stated in a separate written agreement.

Once an individual access license is assigned to or redeemed by a student or end user, access belongs to that student or end user and may not be reassigned, transferred, resold, shared, or used by another person.

The purchasing organization does not own, control, or receive the right to use a student’s individual Account after the license has been assigned or redeemed. The student or end user retains access to the Product according to the access terms provided at the time of purchase or assignment.

The Company may provide different pricing, discounts, payment arrangements, or access terms for enterprise, institutional, promotional, affiliate, referral, nonprofit, government, or bulk purchases. Such pricing or terms do not entitle any other customer, purchaser, organization, student, or user to the same pricing, terms, credits, refunds, discounts, or adjustments.

If there is a conflict between these Terms and a separate written agreement signed or approved by the Company for an enterprise or institutional purchase, the separate written agreement will control only with respect to that purchase.

9. Promotions

The Company may offer Promotions, including discounts, coupons, affiliate codes, referral codes, contests, sweepstakes, launch pricing, or special offers.

Promotions may be limited by time, availability, Product, customer eligibility, location, payment method, or other conditions stated at the time of the Promotion.

The Company reserves the right to modify, suspend, revoke, or discontinue any Promotion at any time, unless prohibited by law.

Promotions have no cash value and may not be transferred, resold, combined with other offers, or applied retroactively unless expressly stated in writing by the Company.

If a Promotion is governed by separate rules, those rules will apply. If the separate Promotion rules conflict with these Terms, the Promotion rules will control only with respect to that specific Promotion.

10. Intellectual Property

The Service, Products, course materials, videos, audio recordings, workbooks, downloadable materials, templates, graphics, text, designs, frameworks, lessons, course structure, trademarks, logos, trade dress, and other content made available through the Service are owned by the Company or its licensors and are protected by copyright, trademark, and other applicable intellectual property laws.

Except as expressly permitted by these Terms or by written permission from the Company, You may not copy, reproduce, modify, adapt, publish, display, distribute, sell, license, share, upload, transmit, create derivative works from, or otherwise exploit any part of the Service or Products.

The Company’s trademarks, logos, names, trade dress, and branding may not be used in connection with any product, service, business, promotion, website, social media account, or other public-facing material without the prior written consent of the Company.

Nothing in these Terms transfers ownership of any intellectual property rights to You. All rights not expressly granted are reserved by the Company.

11. License to Use Products

When You purchase or receive access to a Product, the Company grants You a limited, revocable, non-exclusive, non-transferable license to access and use the Product for Your personal educational use only.

This license does not allow You to copy, share, resell, distribute, sublicense, publish, teach, display publicly, upload, reproduce, or otherwise use the Product for commercial purposes without the Company’s prior written consent.

You may not share Your Account login information, provide access to another person, allow another person to use Your Account, or transfer Your access to any Product unless expressly authorized by the Company in writing.

The Company may suspend or revoke access to a Product if it reasonably believes You have violated this license or otherwise misused the Service.

Unless otherwise stated at the time of purchase or assignment, individual student access to a purchased Product is intended to be lifetime access for that individual student, subject to these Terms and continued availability of the Service.

12. User Conduct and Account Restrictions

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You agree that You will not:

12.1 share, sell, rent, transfer, or provide access to Your Account or any Product to another person;

12.2 copy, record, screenshot, download, distribute, upload, publish, resell, or otherwise exploit course materials except as expressly permitted by the Company;

12.3 Use the Service or Products to create, market, sell, or support a competing product, course, training, program, or service;

12.4 interfere with, disrupt, reverse engineer, scrape, copy, or attempt to gain unauthorized access to the Service, Website, Application, course platform, systems, or accounts;

12.5 Use the Service to post, transmit, or distribute unlawful, harmful, abusive, defamatory, fraudulent, misleading, or infringing content;

12.6 misrepresent Your identity, payment information, affiliation, authority, or eligibility to access a Product;

12.7 Violate any applicable law, regulation, third-party right, or payment processor requirement.

The Company may suspend or terminate Your Account or access to the Service if it reasonably believes You have violated this Section or any other part of these Terms.

13. Links to Other Websites

The Service may contain links to third-party websites, platforms, applications, products, or services that are not owned or controlled by the Company.

The Company has no control over and assumes no responsibility for the content, privacy policies, terms, practices, availability, accuracy, or security of any third-party websites, platforms, applications, products, or services.

You acknowledge and agree that the Company is not responsible or liable, directly or indirectly, for any damage, loss, claim, or issue caused or alleged to be caused by or in connection with Your use of, reliance on, or interaction with any third-party content, products, services, websites, platforms, or applications.

We strongly advise You to review the terms and privacy policies of any third-party websites, platforms, applications, products, or services You access.

14. Termination

The Company may suspend, restrict, or terminate Your Account or access to the Service immediately, with or without notice, if the Company reasonably believes that You have violated these Terms, failed to make required payments, initiated an improper chargeback or payment dispute, shared Account access, misused the Products, infringed intellectual property rights, violated applicable law, or engaged in conduct that may harm the Company, the Service, other users, or third-party providers.

Upon termination, Your right to access or use the Service and Products will cease immediately.

Termination does not relieve You of any payment obligations incurred before termination, including amounts due under a Payment Plan, unless the Company agrees otherwise in writing.

Sections concerning payments, refunds, intellectual property, license restrictions, user conduct, disclaimers, limitation of liability, governing law, dispute resolution, and any other provisions that by their nature should survive termination will survive termination.

15. Educational Disclaimer

The Products and Service are provided for general educational, informational, and personal development purposes only.

The Company does not provide medical advice, mental health treatment, therapy, counseling, addiction treatment, legal advice, financial advice, or other professional services through the Service.

The Products and Service are not intended to diagnose, treat, cure, prevent, or manage any medical condition, mental health condition, substance use disorder, or other health-related issue.

The Products and Service are not a substitute for professional care, treatment, counseling, therapy, medical advice, legal advice, or emergency services. You should consult qualified professionals regarding any medical, mental health, legal, financial, or other professional concerns.

If You are experiencing a medical emergency, mental health crisis, risk of harm to Yourself or others, or any other urgent situation, You should contact emergency services or a qualified crisis resource immediately.

The Company makes no guarantee that use of the Products or Service will produce any particular result, including personal growth, recovery outcomes, employment outcomes, leadership improvement, behavior change, relationship improvement, financial improvement, or any other specific outcome.

Your results may vary based on many factors, including Your effort, consistency, circumstances, support system, environment, and willingness to apply the materials.

The Company does not monitor the Service for emergencies and is not responsible for responding to urgent health, safety, legal, or crisis situations.

16. Limitation of Liability

To the maximum extent permitted by applicable law, the Company and its owners, officers, employees, contractors, affiliates, service providers, licensors, and suppliers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages for loss of profits, loss of revenue, loss of data, business interruption, personal injury, emotional distress, loss of goodwill, or any other damages arising out of or related to Your use of, or inability to use, the Service, Products, Website, Application, course platform, third-party platforms, payment processors, or related services.

To the maximum extent permitted by applicable law, the Company shall not be liable for any outcome, result, decision, action, or inaction based on Your use of the Products or Service.

The Company’s total liability for any claim arising out of or related to these Terms, the Service, or any Product shall not exceed the amount You actually paid to the Company for the Product giving rise to the claim during the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

Some jurisdictions do not allow certain limitations or exclusions of liability. In those jurisdictions, the Company’s liability will be limited to the greatest extent permitted by law.

17. "AS IS" and "AS AVAILABLE" Disclaimer

The Service and Products are provided to You on an "AS IS" and "AS AVAILABLE" basis, with all faults and without warranties of any kind, whether express, implied, statutory, or otherwise.

To the maximum extent permitted by applicable law, the Company disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, availability, and course of performance.

The Company does not warrant that the Service, Products, Website, Application, course platform, checkout pages, digital content, emails, files, downloads, or third-party platforms will be uninterrupted, secure, error-free, accurate, complete, current, compatible with Your Device, or free from viruses, malware, or other harmful components.

The Company does not warrant that any errors, defects, interruptions, or technical issues will be corrected.

The Company does not warrant or guarantee that the Products or Service will meet Your expectations, produce any particular result, or be suitable for Your specific personal, professional, legal, financial, medical, recovery-related, or organizational circumstances.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on statutory consumer rights. In those jurisdictions, the exclusions and limitations in this Section will apply to the greatest extent permitted by law.

18. Governing Law

These Terms and Your use of the Service will be governed by the laws of the State of Tennessee, United States, without regard to its conflict of law rules.

Your use of the Service may also be subject to other local, state, national, or international laws.

19. Dispute Resolution

If You have any concern, claim, or dispute arising out of or related to the Service, Products, Website, Application, these Terms, or any transaction with the Company, You agree to first attempt to resolve the matter informally by contacting the Company at [email protected].

You agree to provide a written description of the issue, the email address associated with Your Account or Order, the Product involved, and the resolution You are requesting.

The Company will make a reasonable effort to review and respond to the matter. Both parties agree to attempt in good faith to resolve the dispute informally before pursuing any formal legal action, unless emergency relief or another remedy is required by law.

20. For European Union (EU) Users

If You are a European Union consumer, You may have certain mandatory rights under the laws of the country in which You reside. Nothing in these Terms is intended to limit rights that cannot be limited under applicable law.

21. United States Federal Government End Use Provisions

If You are a U.S. federal government end user, our Service is a "Commercial Item" as that term is defined at 48 C.F.R. §2.101.

22. United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

23. Severability and Waiver

23.1 Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

23.2 Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

24. Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

25. Changes to These Terms and Conditions

The Company reserves the right, at its sole discretion, to modify or replace these Terms at any time.

If a revision is material, the Company will make reasonable efforts to provide notice before the new terms take effect. What constitutes a material change will be determined at the Company’s sole discretion.

By continuing to access or use the Service after revisions become effective, You agree to be bound by the revised Terms.

If You do not agree to the revised Terms, in whole or in part, You must stop using the Website, Application, Products, and Service.

26. Contact Us

If You have any questions about these Terms and Conditions, You can contact the Company by email at [email protected].