Terms of Service
Last updated: February 22, 2026
These Terms of Service ("Terms") govern your use of mjm.earth (the "Site") and all related products and services offered by Michael J. Morgan ("we," "us," or "our"). By accessing the Site or purchasing our products, you agree to these Terms.
Account Terms
- You must provide a valid email address to create an account.
- You are responsible for maintaining the security of your account and password.
- You are responsible for all activity that occurs under your account.
- We reserve the right to suspend or terminate accounts that violate these Terms.
Course Access & Digital Products
- Purchasing a course or digital product grants you a personal, non-transferable license to access the content.
- You may not redistribute, resell, share login credentials, or publicly reproduce any course materials.
- We reserve the right to update, modify, or remove course content at any time.
- Access to purchased content remains available for as long as the platform is operational.
Payments & Refunds
- All payments are processed securely through Stripe.
- Prices are listed in US dollars unless otherwise noted.
- Monthly financing options are provided by third-party financing partners and are subject to credit approval. 0% APR is not guaranteed.
- Due to the digital nature of our products, all sales are final. If you experience a technical issue preventing access, contact us at hi@mjm.earth and we will work to resolve it.
Appointments & Scheduling
- By booking an appointment, you agree to the cancellation policy displayed at the time of booking.
- We reserve the right to reschedule or cancel appointments with reasonable notice.
- Paid appointment fees are non-refundable for no-shows or late cancellations as defined in the cancellation policy.
Rate Reality Check & Tools
The Rate Reality Check calculator and other tools on this Site are provided for educational and informational purposes only. They do not constitute financial, legal, or professional advice. Results are estimates based on the information you provide and should not be relied upon as the sole basis for business decisions.
Intellectual Property
- All content on the Site, including text, graphics, logos, course materials, tools, and software, is owned by Michael J. Morgan and protected by copyright and intellectual property laws.
- You may not copy, modify, distribute, or create derivative works from any Site content without written permission.
User Conduct
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Site or its systems
- Interfere with or disrupt the Site's operation
- Scrape, crawl, or automated-collect data from the Site without permission
- Share your account credentials with others
Limitation of Liability
To the fullest extent permitted by law, Michael J. Morgan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, its products, or services. Our total liability for any claim shall not exceed the amount you paid for the specific product or service giving rise to the claim.
Disclaimer
The Site and its content are provided "as is" without warranties of any kind, express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components. Business results vary, and we make no guarantees about specific income or outcomes from using our products or services.
Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms. Material changes will be communicated via email or a notice on the Site.
Governing Law
These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.
Contact
Questions about these Terms? Email us at hi@mjm.earth.