Terms of Service

1. Agreement to terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you” or “User”) and FiveToClose (“Company,” “we,” “us,” or “our”) governing your access to and use of payday.fivetoclose.cloud, related checkout experiences, digital downloads, and communications (collectively, the “Services”). By accessing the Services, creating an order, or completing a purchase, you represent that you are at least eighteen (18) years of age and have the legal capacity to enter into these Terms. If you do not agree, do not use the Services.

2. Description of services

We offer educational digital products, guides, and related materials concerning online commerce, marketing, and the practical use of artificial intelligence tools generally (not limited to any single vendor or platform). Content is informational and instructional in nature. We do not provide professional financial, legal, tax, investment, or career advisory services.

3. Accounts, purchases, and payment

Purchases are processed by third-party payment processors (including Stripe). You agree to provide accurate billing and contact information. Prices are stated at checkout and may change prospectively. Upon successful payment, you receive a limited license to access the purchased materials as described at the point of sale.

Chargebacks initiated without first contacting support may result in suspension of access. We reserve the right to refuse or cancel orders that appear fraudulent, abusive, or in violation of these Terms.

4. License and intellectual property

All content, trademarks, trade dress, copy, PDFs, graphics, and software associated with the Services are owned by FiveToClose or its licensors and are protected by intellectual property laws. Subject to these Terms and your payment of applicable fees, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use purchased materials for your own lawful educational and commercial application.

You may not resell, redistribute, publicly re-publish, reverse engineer, scrape, or create competing derivative products from our materials for distribution to third parties without prior written authorization.

5. Acceptable use

You agree not to misuse the Services, including by attempting unauthorized access, introducing malware, interfering with site operation, harvesting data, impersonating others, or using the Services for unlawful, deceptive, or harmful purposes. We may suspend or terminate access for violations.

6. No warranties

THE SERVICES AND ALL MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY. We do not warrant that use of any AI tool, platform, or technique described will produce revenue, customers, employment, or any particular outcome.

7. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIVE TOCLOSE AND ITS OFFICERS, AFFILIATES, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, REGARDLESS OF THEORY OF LIABILITY. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US FOR THE PRODUCT GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT.

8. Indemnification

You agree to defend, indemnify, and hold harmless FiveToClose and its affiliates from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Services, your violation of these Terms, or your infringement of any third-party right.

9. Refunds

Refund eligibility, if any, is described on the applicable sales page or delivery materials (e.g., time-limited educational satisfaction terms). Abuse of refund policies, including repeated purchases for the purpose of obtaining materials without payment, is prohibited. Contact support@fivetoclose.cloud or support@markzmarketing.com to request review of a purchase.

10. Third-party services

The Services may reference or integrate third-party platforms (payment processors, email providers, AI tools, hosting providers, analytics). Your use of third-party services is governed by their respective terms and privacy policies. We are not responsible for third-party acts, omissions, outages, pricing changes, or policy changes.

11. Modifications

We may modify the Services or these Terms at any time. Material changes will be indicated by updating the effective date. Continued use after changes become effective constitutes acceptance of the revised Terms.

12. Governing law and disputes

These Terms shall be governed by the laws applicable in the jurisdiction where FiveToClose primarily conducts business, without regard to conflict-of-law principles, except where mandatory consumer protections of your place of residence apply. Courts in that jurisdiction shall have exclusive venue for disputes, subject to applicable consumer rights to bring claims in your local courts where required by law.

13. Severability and entire agreement

If any provision of these Terms is held unenforceable, the remaining provisions remain in full force. These Terms, together with our Privacy Policy and any order-specific terms at checkout, constitute the entire agreement between you and FiveToClose regarding the Services and supersede prior or contemporaneous understandings on the same subject.

14. Contact

Questions regarding these Terms: support@fivetoclose.cloud or support@markzmarketing.com.