TERMS AND CONDITIONS FOR THE SECRET SOCIETY FOR VETERANS
Effective date: 1st November 2024

I. Introduction
A. Definitions The following terms are used throughout these Terms and Conditions and have specific meanings:

1."The Site" refers to The Secret Society For Veterans website accessible at www.thesecretsocietyforveterans.com.

2. "The Company," "We," "Us," or "Our" refers to Apex Global Enterprises, LLC, the legal entity owning and operating The Site.
3. "User," "You," or "Your" refers to the individual or entity that has visited or is using The Site and its Services.

4. "Services" refers to all products, services, content, features, technologies, or functions offered by The Site and all related sites, applications, and services.

5. "Content" refers to text, images, audio, video, and all other forms of data or communication.

B. Acceptance of Terms By accessing or using The Site, you agree to be bound by these Terms and Conditions and all terms incorporated by reference. If you do not agree to all of these terms, do not use The Site.

C. Modification of Terms The Company reserves the right to change or modify these Terms and Conditions at any time and in our sole discretion. If we make changes, we will provide notice of such changes by updating the date at the top of these Terms and Conditions and, in some cases, providing a notice on The Site. Your continued use of The Site will confirm your acceptance of the revised Terms and Conditions.

D. Legal Capacity to Enter into Terms You affirm that you are of legal age to enter into these Terms and Conditions, or, if you are not, that you have obtained parental or guardian consent to enter into these Terms and Conditions.

II. User Accounts and Membership

A. Account Creation and Responsibility To access certain features of The Site, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

B. Account Security You are responsible for safeguarding your password and any other credentials used to access your account. You, and not The Company, are responsible for any activity occurring in your account, whether or not you authorized that activity.

C. Termination of Accounts The Company may, at its sole discretion, suspend or terminate your account and your access to The Site Services if you breach these Terms and Conditions.

D. Membership Eligibility Use of The Site is not available to any persons barred from receiving services under the laws of the United States or other applicable jurisdiction.

III. Intellectual Property Rights

A. Ownership of Website Content All content on The Site, including the text, graphics, logos, icons, images, and service names, are the property of The Company or its content suppliers and are protected by United States and international copyright and trademark laws.

B. Use of Trademarks The trademarks, service marks, and logos of The Company used and displayed on The Site are registered and unregistered trademarks or service marks of The Company. Other company, product, and service names located on The Site may be trademarks or service marks owned by third parties.

C. Copyright Notices All rights not expressly granted are reserved by The Company. Unauthorized use of the Content may violate copyright, trademark, and other laws.

D. Prohibited Uses You may not use The Site's Content for any unlawful purpose or any other purpose not expressly permitted by these Terms and Conditions without prior written consent from The Company.

IV. Products and Services Offered

A. Description of Digital Products The Site offers various digital products, including but not limited to ebooks, courses, and informational resources specifically designed for veterans.

B. Description of Courses Courses available on The Site aim to educate veterans on various topics such as retirement planning, personal finance, and property management.

C. Description of Ebooks Ebooks provided by The Site cover a range of topics, including credit repair and personal development, tailored to the needs of veterans.

D. Third-Party Services (KMG Credit Management, LLC) The Site partners with KMG Credit Management, LLC to offer credit repair services. These services are governed by separate terms and conditions and privacy policies provided by KMG Credit Management, LLC.

E. Licensing and Access The Company grants you a limited, non-exclusive, non-transferable license to access and make personal and non-commercial use of The Site's Content and Services.

V. Payment Terms

A. Pricing Information All prices for digital products, courses, and services made available through The Site will be as set out on The Site at the time of purchase. We reserve the right to change prices and to offer discounts and temporary promotions.

B. Payment Methods The Site accepts various forms of payment, including credit card, debit card, and other payment services. By submitting your payment information, you authorize us to charge the applicable payment method at our convenience but within thirty (30) days of credit card authorization.

C. Subscription Services Some of our services may consist of an initial period, for which there is a one-time charge, followed by recurring period charges as agreed to by you. By choosing a recurring payment plan, you acknowledge that such Services have an initial and recurring payment feature and you accept responsibility for all recurring charges prior to cancellation.

D. Taxes and Additional Charges You are responsible for any sales, duty, or other governmental taxes or fees due with respect to your purchase. We will collect applicable sales tax if we determine we have a duty to collect sales tax. We will present any taxes that we are required to collect at checkout, but note that actual taxes charged may be adjusted from the amount shown at checkout.

VI. Refund and Cancellation Policy

A. Digital Product Refund Policy All sales of digital products are final. We do not accept returns or issue refunds for digital products once the order is confirmed and the product is sent.

B. Service Cancellation Terms You may cancel a service with us at any time, but please note that no refunds will be given for cancellation. In the event that The Company suspends or terminates your service or this Agreement, you understand and agree that you shall receive no refund or exchange for any unused time on a subscription, any license or subscription fees, any content or data associated with your account, or for anything else.

C. Exceptions to Refund Policy In the case of a service provided by a third-party partner, such as KMG Credit Management, LLC, their refund policy may apply. It is your responsibility to review and understand the third-party partner's refund policy before making a purchase.

VII. User Conduct and Obligations

A. Permissible Use of Resources You agree to use The Site and the Services only for purposes that are permitted by these Terms and Conditions and any applicable law, regulation, or generally accepted practices or guidelines in the relevant jurisdictions.

B. User-Generated Content You may be able to upload, store, publish, display, and distribute information and content on or through The Site. You are solely responsible for any such User-Generated Content that you provide.

C. Compliance with Laws You agree to comply with all local, state, federal, and international laws and regulations applicable to your use of The Site and Services.

D. Reporting Infringements If you believe that any content on The Site infringes upon any copyright, trademark, or other intellectual property rights, you should notify The Company immediately.

VIII. Disclaimers and Limitations of Liability

A. General Disclaimer The Secret Society For Veterans website, operated by Apex Global Enterprises, LLC, provides various resources and information for educational and informational purposes only. While we strive to provide valuable and accurate information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

B. Specific Disclaimer Regarding Information and Services The Site offers resources and information related to mental health, Veterans Affairs (VA) resources, and various courses on topics such as retirement planning, personal car rental, and property rental through Airbnb. Apex Global Enterprises, LLC is not responsible for any decisions made based on the information provided on The Site. Users are advised to seek professional advice before taking any action on matters related to their mental health, financial planning, or property management.

C. No Endorsement of Third-Party Services The Site may reference or provide information about third-party services, including credit repair services by partnering organizations. Apex Global Enterprises, LLC does not endorse or assume responsibility for the accuracy or reliability of any information offered by third-party service providers featured on The Site.

D. Limitation of Liability In no event will Apex Global Enterprises, LLC be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of The Site.

E. Acknowledgement By using The Site, you acknowledge and agree that the information and services are provided "as is" and "as available" without any warranties of any kind. Your use of The Site and reliance on any information on the Site is solely at your own risk.

IX. Indemnification

A. User Indemnification Responsibilities You agree to indemnify, defend, and hold harmless The Company, its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to The Site from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms and Conditions by you or any other person accessing The Site using your account.

B. Procedure for Indemnification The Company will provide notice to you of any such claim, suit, or proceeding and will assist you, at your expense, in defending any such claim, suit, or proceeding.

X. Dispute Resolution

A. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

B. Arbitration Agreement Any dispute or claim relating in any way to your use of The Site, or to any products or services sold or distributed by The Company or through The Site will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

C. Class Action Waiver You agree that any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted.

D. Limitation on Time to File Claims Any cause of action or claim you may have arising out of or relating to these Terms and Conditions must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

XI. Miscellaneous

A. Severability If any provision of these Terms and Conditions is held to be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions and will not affect the validity and enforceability of any remaining provisions.

B. Waiver The failure of The Company to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.

C. Assignment You may not assign these Terms and Conditions or any rights or licenses granted hereunder, whether voluntarily, by operation of law, or otherwise without The Company’s prior written consent.

D. Entire Agreement These Terms and Conditions, together with any amendments and any additional agreements you may enter into with The Company in connection with The Site, shall constitute the entire agreement between you and The Company concerning The Site.

E. Contact Information For any questions about these Terms and Conditions, please contact us at contact@thesecretsocietyforveterans.com.

XII. Acknowledgment and Acceptance of Terms

By using The Site and its Services, you acknowledge that you have read these Terms and Conditions and agree to be bound by them.