Terms of Service

1. Agreement to Terms

By accessing or using the TMB Analytics website (tmbanalytics.com) and our products and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

TMB Analytics provides online educational content, courses, and training materials related to Microsoft Excel and data analytics for finance professionals. Our services include but are not limited to:

• Online courses and training programs
• Downloadable guides and resources
• Email newsletters and communications
• Blog content and tutorials

3. Account and Purchases

When you purchase a course or product, you will create an account through our course platform (Kajabi). You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

All purchases are processed securely through Kajabi and Stripe. By making a purchase, you agree to their respective terms of service.

4. Refund Policy

We offer a 30-day money-back guarantee on all our courses. If you are not satisfied with your purchase, you may request a full refund within 30 days of purchase by emailing matt@tmbanalytics.com.

To be eligible for a refund:

• Request must be made within 30 days of purchase
• Request must be sent via email to matt@tmbanalytics.com
• Refunds are processed within 5-10 business days

5. Intellectual Property

All content on this website and in our courses, including but not limited to text, graphics, logos, videos, and course materials, is the property of TMB Analytics and is protected by copyright and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission. Course materials are for personal use only and may not be shared or resold.

6. User Conduct

You agree not to:

• Share your account credentials with others
• Distribute or resell course materials
• Use our services for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services or servers

7. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. While we strive to provide accurate and helpful information, we do not guarantee specific results from using our courses or materials.

Educational content is for informational purposes only and should not be considered professional financial, career, or legal advice.

8. Limitation of Liability

To the maximum extent permitted by law, TMB Analytics shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes constitutes acceptance of the modified terms.

10. Contact Information

For questions about these Terms of Service, please contact us at:

Email: matt@tmbanalytics.com

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.