TERMS & CONDITIONS

Effective Date

July 2026

By accessing this website or purchasing any products or services from 20→40 Coaching ("Company," "we," "our," or "us"), you agree to these Terms and Conditions.

Website Use

You agree to use this website only for lawful purposes.

You may not:

Attempt unauthorized access.

Distribute malware.

Copy website content.

Reverse engineer website functionality.

Use the website to violate any laws.

Coaching Services

Coaching is educational in nature.

We provide guidance, accountability, and business education.

Clients remain solely responsible for all business decisions and actions.

No Guaranteed Results

Every client is different.

Individual results depend on factors including:

Experience

Market conditions

Work ethic

Implementation

Skills

Personal circumstances

We do not guarantee:

Income

Number of transactions

Business growth

Financial success

Specific outcomes

Payments

All payments are due according to the agreed payment schedule.

Failure to make payments may result in suspension or termination of services.

Subscription Programs

If applicable, subscription coaching automatically renews unless cancelled according to the membership agreement.

Digital Products

Upon purchase, customers receive a limited, non-transferable license for personal use.

Products may not be copied or shared.

Intellectual Property

All website content including:

Logos

Branding

Videos

Courses

Frameworks

PDFs

Graphics

Text

Worksheets

are protected by copyright and intellectual property laws.

Limitation of Liability

To the fullest extent permitted by law, 20→40 Coaching shall not be liable for:

Lost profits

Lost commissions

Business interruption

Indirect damages

Consequential damages

Personal decisions made by clients

Our maximum liability shall not exceed the amount paid for the applicable coaching service.

Third-Party Services

Our website may link to third-party websites or software.

We are not responsible for their content, policies, or practices.

Termination

We reserve the right to terminate services if clients:

Violate these Terms

Engage in abusive behavior

Breach confidentiality

Misuse coaching materials

Governing Law

These Terms shall be governed by the laws of the jurisdiction in which 20→40 Coaching is registered.

Changes

We may update these Terms at any time.

Continued use of the website constitutes acceptance of any changes.

DISCLAIMER

General Disclaimer

The information provided by 20→40 Coaching is for educational and informational purposes only.

Nothing on this website or within our coaching programs constitutes legal, financial, accounting, tax, investment, brokerage, or professional advice.

Always consult qualified professionals before making business or financial decisions.

Earnings Disclaimer

We make no guarantees regarding income or financial performance.

Testimonials and examples are provided for illustrative purposes only and should not be interpreted as promises of future results.

Your success depends on many variables outside our control, including your effort, market conditions, experience, skills, and implementation.

Coaching Disclaimer

Coaching is designed to provide guidance, accountability, education, and strategic support.

Clients remain solely responsible for:

Business decisions

Hiring decisions

Investments

Marketing

Compliance

Financial outcomes

Real Estate Disclaimer

20→40 Coaching provides business coaching for real estate professionals.

We do not provide legal, brokerage, compliance, or regulatory advice.

Clients are responsible for complying with all applicable laws, licensing requirements, brokerage policies, and local regulations.

Testimonials Disclaimer

Client testimonials reflect individual experiences.

They are not guarantees that every client will achieve similar results.

External Links Disclaimer

Our website may contain links to third-party websites.

We are not responsible for their content, services, or privacy practices.

Professional Relationship

Using this website or participating in coaching does not create a partnership, employment relationship, agency relationship, or fiduciary relationship between you and 20→40 Coaching.

Contact

20→40 Coaching
Founder: Dan Chlebowski

Email: [Insert Business Email]
Website: [Insert Website URL]