Terms and Conditions

Joel Bauer & Associates, Inc. · Effective date: 10/20/2026

These Terms & Conditions ("Terms") govern your purchase of and participation in the programs, events, consulting, memberships, digital products and related services (together, the "Services") offered by Joel Bauer & Associates, Inc. ("we," "us," or "our") through JoelBauer.com and our related pages and checkout forms. By placing an order, registering for an event, or using our Services, you agree to these Terms.

1. Orders, Pricing and Offers

All prices are in U.S. dollars unless stated otherwise. Special offers, bonuses and promotional pricing are available only for the period stated on the offer page and may be changed or withdrawn after that date. For example, the JoeLIVE Conversion Immersion Day offer is valid only until the end of WebinarCON (November 14th). We reserve the right to correct pricing errors and to decline or cancel any order.

2. Payment and Payment Plans

Payment is due at the time of purchase unless you select a payment plan. If you choose a payment plan (for example, 3-Pay), you authorize us and our payment processor to charge your selected payment method for the deposit today and for each remaining installment on the scheduled dates shown at checkout. You agree to keep your payment information current. The total cost of a payment plan may be higher than paying in full, and the full amount of every installment is owed once you enroll.

If an installment fails or is declined, we may retry the charge, contact you for an updated payment method, and suspend your access to the Services until the balance is paid. You remain responsible for all unpaid installments. Payments are processed by third-party providers such as card processors, Klarna and PayPal, whose own terms also apply.

3. Deposits and Refund Policy

All deposits are non-refundable. Unless a different refund policy is stated in writing on the specific offer page, all other payments for programs, events, memberships, digital products and consulting are final and non-refundable, and we do not offer refunds or guarantees of results. Because our Services include immediate access to digital content and reserved seats, your purchase cannot be canceled for a refund once completed. If you believe you were charged in error, contact us within 14 days of the charge at the email below and we will review it.

4. Events, Dates and Attendance

Event dates, times, formats and speakers may change. If we reschedule an event, your registration transfers to the new date. If we cancel an event entirely, we will offer a transfer to a future event or another remedy of our choosing, and our liability is limited to the amount you paid for that event. You are responsible for your own travel, lodging and related expenses. If you cannot attend, you are not entitled to a refund, but you may request to transfer your seat to another person with our prior written approval.

Recording, livestreaming or redistributing any part of a live or online event, replay or training without our written permission is prohibited.

5. Consulting Services

All consulting is delivered remotely and face-to-face through video conferencing (Zoom) unless we agree otherwise in writing. All consulting fees, and any travel expenses we agree to, are paid in full up front. There are no refunds or guarantees. Consulting sessions that you miss or cancel are not refundable, and rescheduling is subject to availability and our approval.

6. Memberships, Certifications and Applications

Membership fees, such as the M4M Online Membership, are charged at the price and interval shown at checkout. Unless you cancel before your renewal date by emailing us, your membership may renew for another term at the then-current price. Access to the membership portal, private community, Q&A sessions and replays is personal to you and is provided for the duration of your active membership. Certain programs, such as the STAC-Mastery Certification, are by application only, and we may accept or decline any application at our discretion.

7. Personal Video Presentation Audit and Bonuses

Bonuses and add-ons, including the Personal Video Presentation Audit, VIP passes and challenge access, are provided as described on the offer page and have no cash value. Where a time limit applies, such as submitting your presentation for audit within one year after an event concludes, bonuses expire when that period ends. Bonuses are not transferable and may be changed or discontinued.

8. Intellectual Property and License

All content we provide, including training videos, slide decks, the Money Matrix and 20-Move Matrix, templates, worksheets, books, recordings and branding, is owned by Joel Bauer & Associates, Inc. or its licensors and is protected by copyright, trademark and other laws. We grant you a limited, personal, non-exclusive, non-transferable license to use the materials for your own business and personal development. You may not copy, resell, share, sublicense, publish, train others with, or create derivative products from our materials, or share your login or access, without our written permission.

9. Community and Conduct

You agree to treat other members, staff and guests respectfully in our events, calls, private groups and communications. We may remove any person, without refund, who harasses others, spams or solicits members, shares our materials, or otherwise violates these Terms.

10. Results and Income Disclaimer

We provide education, training and coaching. We do not guarantee any particular result, income, sales, client acquisition or business outcome. Testimonials and examples describe the experiences of individual people and are not typical or guaranteed. Your results depend on many factors, including your effort, experience, market, skills, finances and decisions. You are solely responsible for your own business decisions. Nothing we provide is legal, tax, financial or investment advice, and you should consult your own qualified professionals.

11. Communications Consent

By providing your email address or phone number, you agree that we may contact you about your order, events and the Services, including by email, phone and text message. Message and data rates may apply to texts. You may opt out of marketing communications at any time using the unsubscribe link or by replying STOP. We may still send you transactional messages about your purchase.

12. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect and use your information. Payment details are handled by our third-party payment processors and are not stored on our own servers.

13. Disclaimer of Warranties

The Services and all materials are provided "as is" and "as available," without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the Services will be uninterrupted, error-free or meet your expectations.

14. Limitation of Liability

To the fullest extent permitted by law, Joel Bauer & Associates, Inc., its owners, employees and affiliates will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or business opportunities, arising out of or related to the Services. Our total liability for any claim will not exceed the amount you paid us for the specific Service giving rise to the claim.

15. Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of [STATE], without regard to conflict-of-law rules. Before filing any claim, you agree to first contact us and try in good faith to resolve the dispute informally for at least 30 days. Any dispute not resolved informally will be resolved by [binding arbitration / the state or federal courts located in [COUNTY, STATE]], and you agree to the exclusive jurisdiction of that forum. [If using arbitration: You and we each waive the right to a jury trial and to participate in a class action.]

16. Changes to These Terms

We may update these Terms from time to time. The version in effect when you place your order applies to that order. Updated Terms take effect when posted on this page, and continued use of the Services after that means you accept them.

17. General

These Terms, together with the offer page you purchased from and our Privacy Policy, are the entire agreement between you and us. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them to a successor.

18. Contact Us

Joel Bauer & Associates, Inc. Customer support: [email protected]
We aim to respond to support requests within 24 hours.