Last Updated 1/1/2023

TALTOA, taltoa.com and all subsidiaries or affiliated brands (hereinafter referred to as “TALTOA”, “taltoa.com”, “We”, “Us” or “Our”) stand behind all of our products and your satisfaction is very important to us. All purchases made from us (including all related website properties and sales over the phone) are covered by the following policies

General

Offers/Coupons cannot be used in conjunction with each other unless otherwise stated. Coupons are only valid during the advertised promotion period. Prices are subject to change without notice. Gift Cards are non-refundable.

Privacy Policy

Please review our Privacy Policy, which also governs your visit to our website and any purchases made on our website.

No Guarantee of Results

We don’t guarantee results or offer legal advice. Entrepreneurship involve risk and hard work. Always consult with your professionals. Any testimonials showing our success or our client’s success are not to be interpreted as common, typical, or expected. Some testimonials are from students who now work as a TALTOA coach or trainer. It takes education, drive and hard work to reach your goals.

All online purchases

Any online product (courses, subscription, merchandise, or books) are Non-Refundable. You understand that all Dues and/or Fees are non-refundable unless explicitly stated in this Agreement and that they are fully earned upon payment.

Payment Related Terms

Waiver of Notice. You also agree to waive written notice of an increase in any amounts charged for any additional products and services purchased from TALTOA or other Dues and/or Fees that TALTOA collects via the Transactions, including its resubmission of declined or returned Transactions during or after termination of the TALTOA Membership. Dues and/or Fees May Be Processed Together. You understand that TALTOA reserves the right to process Dues and/or Fees together in a single Transaction if such Dues and/or Fees are due and payable. Dues and/or Fees Are Not Dependent on Use. The obligation to pay Dues and/or Fees is not dependent upon usage or availability of, or access to, all or any portion of the Services, including whether access to the Services is denied or otherwise limited or restricted as described herein. In addition, non-access or non-use is not a basis for a refund of any prepaid Dues and/or Fees. Dues and/or Fees Paid by a Third Party. TALTOA’s acceptance of payment of some or all Financial Obligations from a third party, including without limitation a parent, legal guardian, employer or insurer, does not relieve or discharge your responsibility for any Financial Obligation under this Agreement. To the extent a third party stops making such payments, you understand that you are responsible for the full amount of Financial Obligations, including any Payment-Related Fees arising from such third party’s failure to make timely payment. A third party’s failure to remit payment on your behalf shall not operate as a defense to or impair your obligations to timely pay all Financial Obligations applicable to your Membership. Unpaid Dues and/or Fees. During any period of suspension or delinquency pending termination of your TALTOA Membership for nonpayment, you understand that your obligations under this Agreement and TALTOA Membership remain in effect such that you are responsible for payment of Financial Obligations, including, without limitation, Dues and/or Fees. You further understand that if you fail to pay any amount to TALTOA when due, you are responsible for all costs of collection incurred by TALTOA, including attorneys’ fees.

Special Promotions

TALTOA may in its sole discretion offer promotions or discounts related to TALTOA Memberships from time to time. These promotional offers, unless made to you or one of your Members, will not apply to your TALTOA Membership or these Terms. If we offer you a promotional offer, the specific terms of your promotion will be provided in the materials describing the particular promotion or at registration. Promotions involving free trials are limited to one (1) per household. If your promotional offer provides for a free trial without requiring a paid TALTOA Membership, your free access to the Services will automatically cease without any further notice or other obligation to you upon expiration of the applicable free trial period. IF YOUR PROMOTIONAL OFFER PROVIDES FOR A FREE TRIAL IN CONNECTION WITH A PAID MEMBERSHIP, YOUR MEMBERSHIP DUES BILLING DATE WILL OCCUR UPON EXPIRATION OF THE APPLICABLE TRIAL PERIOD AND WE (OR OUR COACH) WILL BEGIN BILLING YOUR MONTHLY PAYMENT METHOD ON A RECURRING BASIS FOR YOUR ELLIOTT GROUP MEMBERSHIP IN ACCORDANCE WITH THESE TERMS. IF THE TERMS OF YOUR PROMOTIONAL OFFER EXPRESSLY PERMIT YOU TO CANCEL YOUR TALTOA MEMBERSHIP PRIOR TO THE END OF YOUR TRIAL, YOU MUST TIMELY CANCEL YOUR ELLIOT GROUP MEMBERSHIP PRIOR TO THE EXPIRATION OF THE APPLICABLE TRIAL PERIOD OR YOU WILL BE CHARGED FOR TALTOA MEMBERSHIP UPON YOUR MEMBERSHIP DUES BILLING DATE. INSTRUCTIONS FOR CANCELING YOUR ELLIOTT GROUP MEMBERSHIP ARE DESCRIBED BELOW. PLEASE NOTE THAT YOU WILL NOT RECEIVE A NOTICE FROM US THAT YOUR TRIAL HAS ENDED OR THAT THE PAID PORTION OF YOUR ELLIOTT GROUP MEMBERSHIP HAS BEGUN. WE RESERVE THE RIGHT TO MODIFY OR TERMINATE TRIALS AT ANY TIME, WITHOUT NOTICE AND IN OUR SOLE DISCRETION.

 Subscriptions

You agree to pay all Financial Obligations with your Monthly Payment Method or such other payment method accepted or permitted by TALTOA. You authorize TALTOA to automatically and without notice charge or debit, as applicable, your Monthly Payment Method or such other payment method accepted or permitted by TALTOA to pay Financial Obligations. You understand and agree that certain of such Financial Obligations are recurring charges or debits that do not vary in amount and, as a result, no further notice is required for TALTOA or its agents to charge or debit such amounts to or from your Monthly Payment Method or such other payment method accepted or permitted by TALTOA. The payment and processing of Financial Obligations with your Monthly Payment Method or other payment method is referred to individually in this Agreement as a “Transaction” and collectively as “Transactions.”

You represent and warrant that you are an authorized account holder of any financial transaction account which you provide to TALTOA for payment of Membership Dues or other Transactions.

Monthly Payment Method. The credit or debit card or other financial account designated in the Account, as may be subsequently updated, is a valid financial account that may be charged or debited by TALTOA or its agents to pay amounts due to TALTOA (“Monthly Payment Method”) as follows:

Recurring Charges. You authorize TALTOA or its agents on or about the first of each month (or on another date selected, as permitted by TALTOA) to automatically and without notice charge or debit, as applicable, your Monthly Payment Method, to pay in advance recurring Financial Obligations, including, without limitation, Membership Dues, recurring Service-Related Fees, and any and all other recurring amounts, fees, costs or other charges due to TALTOA. You understand and agree that such Financial Obligations are recurring charges or debits that do not vary in amount and, as a result, no further notice is required for TALTOA or its agents to charge or debit such amounts to or from your Monthly Payment Method.

Digital Download Products & Digital Video Training Access

There is no refund at all on any digital products. You will receive access to the online training platform for the amount of time that was stated on the product description you purchased. If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at 1-479-668-0838 during the hours of 8 AM – 5 PM CST, Monday through Friday, so we can resolve the issue. Purchase of a TALTOA training module does not grant rights to the buyer to share, reproduce or resell the product in any way.

All digital and downloadable product sales are final. We do not offer digital product refunds, once a download/digital access has been assigned to you there is nothing we can retrieve back. If you are attempting to cancel your automatic renewal with TALTOA taltoa.com product, please contact orders@taltoa.com.

Please be advised that any and all agreements for downloadable/digital products, TALTOA and taltoa.com digital products are NOT subject to cancellation, refund or store credit. We do not accept any verbal modifications of these Agreements and the “no refund and no cancellation” policy stated in the Agreements is strictly adhered to. There is NO refund on digital products. By purchasing a digital product or download, you agree to all Terms of Use and this Terms of Purchase and Refund Policy. including that you agree to do not do a charge back for any services rendered, or for digital products that have been delivered. You also agree and acknowledge that you are paying in monthly installments on your total contract value as a payment plan, not a recurring subscription fee.

Cancelling or removing the credit card on file does not cancel your subscription and violates the terms of the agreement. If at anytime you have delinquent invoices past 90 days, or the account is paid delinquently for three consecutive payments, your account will be suspended, and you will still be liable for the full contract value through the term of the agreement.

If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at 1-479-668-0838 during the hours of 8 AM – 5 PM CST, Monday through Friday, so we can resolve the issue. Digital product purchases do not grant rights to the buyer to share, reproduce or resell the product in any way.

Gift Certificates & Coupon Codes

If you have received a coupon code for free merchandise or a gift certificate for merchandise from the Company or any of its affiliates, the coupon code or gift certificate is only good for a single use and up to the value on the code or card. Any physical items purchased are in accordance with the refund policy and digital products are nonrefundable and not eligible for exchange or store credit.

Payment Plans

If a product or service is purchased utilizing a monthly payment plan the customer is responsible for 100% of agreed-upon payments equaling the original purchase price of the product. If any payments are not received, the entire purchase is void and the payments made up to that point are forfeited to and will not be refunded. Access to any digital product or platform will be removed. Any payment plans that include live events must be paid in full 60 days prior to the event date or your ticket will be forfeited, and you will receive a store credit in the amount paid up to 60 days of the date of the event.