IUL.org Terms of Purchase and Refund Policy

Effective Date: 7/8/2025

This Terms of Purchase and Refund Policy ("Agreement") is a binding legal contract between you ("Customer," "You") and Media Holding Group LLC d/b/a IUL.org ("IUL.org," "We," "Us," or "Our"). By making any purchase from IUL.org, you affirmatively agree to the terms and conditions stated herein, which are legally enforceable and designed to protect IUL.org’s commercial interests to the fullest extent permissible under applicable law. If you do not accept these terms, do not engage in any transaction with us.

1. All Sales Are Final – No Refunds

You understand and agree that all sales are final and non-refundable under any and all circumstances. This includes dissatisfaction with lead quality, lead quantity, response rates, conversion performance, subscription access, or perceived value. We do not guarantee any specific outcome or result from the use of our services. Refund requests will not be entertained or processed.

No oral, written, or implied representation or communication from IUL.org or its representatives shall modify or override this strict no-refund policy.

2. Results Not Guaranteed

IUL.org makes no express or implied representations or warranties of any kind, including but not limited to performance metrics, financial gain, contact rates, lead quality, or ROI. You understand that marketing and sales outcomes depend on factors outside our control. Your results may vary and are not guaranteed in any way.

3. Lead Delivery Disclaimer

We do not guarantee a set quantity of leads per day, week, or month. Lead volume is dependent on market conditions and third-party behavior. Leads are distributed on a best-effort basis and are considered delivered once uploaded or transmitted by our system.

We accept no liability for the timing, pace, or outcomes resulting from lead delivery.

4. Chargebacks and Fraudulent Disputes

You explicitly waive your right to dispute any charges through your payment processor. Any attempt to reverse charges, file a chargeback, or otherwise dispute a legitimate transaction will be treated as a breach of contract, fraud, and theft of service.

We reserve the right to:

  • Immediately suspend or terminate your account

  • Report the incident to collections

  • Enforce our rights through legal or equitable action

  • Recover any damages, including attorney fees and costs

5. Discretionary Promotions

From time to time, IUL.org may offer discretionary promotions, incentives, bonuses, or pricing structures. All such offerings are provided purely at our discretion and may be modified, suspended, or terminated at any time for any reason without notice. No promotional benefit is guaranteed or promised to continue.

6. Subscription Billing Terms

Subscription services will auto-renew unless canceled in writing via email to support@iul.org prior to the next billing cycle. Canceling or removing your payment method does not cancel your obligation.

All cancellations apply prospectively and do not result in refunds for prior billing periods. You are responsible for full payment through the current subscription term, regardless of usage.

7. Delinquency and Account Suspension

If your payment is declined or your account falls 10 or more days into arrears, we may suspend services without further notice. If unpaid invoices are more than 30 days overdue, we reserve the right to refer the balance to collections and/or pursue civil litigation.

You remain liable for the full contract value, regardless of whether services are paused or terminated due to non-payment.

8. Intellectual Property & Restrictions

All materials, tools, leads, content, and digital assets provided by IUL.org are proprietary and protected by intellectual property laws. You receive a non-transferable, non-exclusive, limited-use license to use these materials solely for internal business purposes.

You may not copy, resell, redistribute, transfer, or repurpose any materials without our express written permission.

9. Non-Circumvention Clause

You agree not to contact, solicit, contract, hire, or do business directly or indirectly with any third-party lead providers, vendors, partners, sources, affiliates, or relationships introduced to you through IUL.org for a period of five (5) years from the date of last engagement.

Violating this clause will result in immediate legal action, including injunctive relief, monetary damages, and the recovery of all legal fees incurred.

10. Limitation of Liability

To the maximum extent permitted by law, IUL.org shall not be liable for any indirect, incidental, consequential, punitive, or special damages of any kind, including loss of profits, business interruption, loss of data, or reputational harm.

Our maximum liability under any theory of law shall not exceed the actual amount paid by you to IUL.org within the six (6) months preceding the claim.

11. Modifications to Terms

IUL.org reserves the right to update, amend, or revise these Terms at any time without prior notice. Your continued use of our services or products after any changes are posted constitutes your full acceptance of the revised terms.

12. Governing Law and Dispute Resolution

This Agreement shall be governed by and interpreted in accordance with the laws of the State of Delaware, without regard to conflict of law principles. All claims and disputes shall be resolved exclusively through binding arbitration conducted in Delaware by the American Arbitration Association (AAA), and you waive your right to participate in a class action or jury trial.

13. Contact Us

For all questions or legal notices:

Media Holding Group LLC d/b/a IUL.org
8 The Green, Suite A
Dover, DE 19901
support@iul.org

BY COMPLETING A PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND ACCEPT THESE TERMS IN FULL.