TERMS OF SERVICE

MIKE SANCHO CONSULTING

Operated by MS Enterprise Holdings, LLC

Last Revised: November 3, 2025

Your access to this website constitutes full and unconditional acceptance of these Terms.

1. ACCEPTANCE OF TERMS

1.1 By accessing or using the website (the “Platform”), you agree to be legally bound by these Terms of Service (“Terms”), the Privacy Policy, and any posted guidelines.

1.2 If you do not agree, you must immediately cease all use of the Platform.

1.3 MS Enterprise Holdings, LLC (“Company,” “we,” “us”) may revise these Terms at any time. Continued use after revision means you accept the updated version.

1.4 You represent that you are at least 18 years old and have full legal capacity to enter this agreement.

2. INFORMATIONAL PURPOSES ONLY

2.1 All content on the Platform — including text, forms, videos, and downloads — is provided solely for general informational purposes.

2.2 It is not professional advice of any kind (business, financial, legal, tax, accounting, or otherwise).

2.3 You assume full responsibility for any use or reliance on the content. We make no warranties as to its accuracy, completeness, or suitability.

3. NO PROFESSIONAL RELATIONSHIP FORMED

3.1 No action on your part — including submitting a form, scheduling a call, or receiving a response — creates a consultant-client, fiduciary, or any other professional relationship.

3.2 A formal relationship is established only when:

• A written engagement agreement is mutually signed;

• A Scope of Work is approved;

• The initial retainer is paid and cleared;

• The Company issues written confirmation.

Until all four steps are complete, no duty or obligation exists.

4. USER DATA & LICENSE

4.1 By submitting any information (“User Data”), you grant the Company a worldwide, royalty-free, perpetual license to use, store, and process it solely to:

• Respond to your inquiry;

• Provide requested materials;

• Improve internal operations (anonymized).

4.2 You warrant that all User Data is accurate and submitted lawfully.

4.3 We will not sell or share identifiable User Data for marketing without your explicit consent.

5. PROHIBITED CONDUCT

You agree not to:

• Use the Platform for illegal or unauthorized purposes;

• Interfere with its operation (e.g., hacking, DDoS, malware);

• Scrape, crawl, or extract data without written permission;

• Impersonate any person or misrepresent affiliation;

• Transmit harmful code or spam.

Violations may result in immediate access termination and legal action.

6. INTELLECTUAL PROPERTY

6.1 All content, design, code, and branding are owned by MS Enterprise Holdings, LLC and protected by U.S. and international copyright and trademark laws.

6.2 You are granted a limited, revocable, non-transferable license to view the Platform for personal, non-commercial use only.

6.3 Unauthorized use, copying, or distribution is strictly prohibited and may result in legal action.

7. THIRD-PARTY LINKS

7.1 Links to external sites are provided for convenience only. We do not endorse and are not responsible for their content, privacy, or practices.

8. DISCLAIMER OF WARRANTIES

8.1 The Platform is provided “AS IS” and “AS AVAILABLE” without any warranties, express or implied.

8.2 We disclaim all warranties, including:

• MERCHANTABILITY

• FITNESS FOR A PARTICULAR PURPOSE

• NON-INFRINGEMENT

• ACCURACY OR RELIABILITY

• UNINTERRUPTED OR ERROR-FREE OPERATION

9. LIMITATION OF LIABILITY

9.1 To the fullest extent permitted by law, the Company shall not be liable for any:

Indirect, incidental, special, consequential, or punitive damages;

Loss of profits, data, goodwill, or business opportunities.

9.2 Our total liability shall not exceed $100.00, regardless of the claim.

10. INDEMNIFICATION

10.1 You agree to defend, indemnify, and hold harmless the Company and its affiliates from any claims, losses, or expenses (including reasonable attorneys’ fees) arising from:

• Your use of the Platform;

• Your violation of these Terms;

• Your submitted data.

11. GOVERNING LAW & VENUE

11.1 These Terms are governed by the laws of the State of Florida, without regard to conflict of law rules.

11.2 Exclusive jurisdiction and venue for any dispute shall be the state or federal courts in Miami-Dade County, Florida.

12. DISPUTE RESOLUTION

12.1 Informal Resolution: Contact us first to attempt resolution.

12.2 Binding Arbitration: If unresolved, disputes will be settled by final, binding arbitration under AAA Commercial Rules in Miami, Florida.

12.3 No class actions. You waive the right to participate in any class, collective, or representative proceeding.

12.4 You may opt out of arbitration within 30 days by written notice.

13. ELECTRONIC COMMUNICATIONS

You consent to receive notices and communications electronically. You may withdraw consent for marketing emails at any time.

14. CHILDREN’S PRIVACY

The Platform is not intended for users under 18. We do not knowingly collect data from minors.

15. FORCE MAJEURE

We are not liable for delays or failures caused by events beyond our control (e.g., natural disasters, government actions, internet outages).

16. MISCELLANEOUS

• Severability: Invalid provisions will be reformed or removed; the rest remains enforceable.

• No Waiver: Failure to enforce a right does not waive it.

• Assignment: We may assign these Terms; you may not.

• Entire Agreement: These Terms and the Privacy Policy are the complete agreement.