Terms & Conditions
Last updated: July 22, 2026
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCTS. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Mentors.chat ("we," "our," or "us") governing your access to and use of our website, digital products, content, and services (collectively, the "Service"). By accessing, browsing, or using the Service, or by completing a purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any additional policies referenced herein. If you do not agree to these Terms, you must immediately discontinue use of the Service and refrain from making any purchases.
1. Acceptance of Terms
By using the Service, you represent and warrant that you have the full legal capacity to enter into these Terms and that you are at least 18 years of age (or the legal age of majority in your jurisdiction). If you are using the Service on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms. Your continued use of the Service following any changes to these Terms constitutes your acceptance of such changes.
2. Account Registration and Security
To access certain features of the Service, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account. We reserve the right to suspend, disable, or terminate your account and your access to the Service at our sole discretion, with or without notice, for any conduct that we deem to be in violation of these Terms or harmful to us, our users, or third parties.
3. Product License and Intellectual Property
The Product sold through the Service is a digital file (Markdown format) containing an educational framework, prompts, templates, and guidance for decision-making ("OMNIBUS" or "Product"). Upon successful payment, you are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access, download, store, and use the Product solely for your own individual, personal, non-commercial, educational purposes. You may not, without our prior express written consent:
- Reproduce, redistribute, resell, lease, license, sublicense, or commercially exploit the Product, in whole or in part;
- Modify, adapt, translate, reverse engineer, decompile, or create derivative works from the Product;
- Share, publish, or disclose the Product to any third party, including but not limited to posting it on public forums, file-sharing platforms, or social media;
- Use the Product for any unlawful, fraudulent, or malicious purpose;
- Remove, alter, or obscure any proprietary notices, marks, or labels on the Product.
All intellectual property rights, including copyright, trademarks, service marks, trade secrets, patents, and other proprietary rights, in and to the Product, the Service, and all content therein are and shall remain the sole and exclusive property of Mentors.chat and its licensors. Unauthorized use of the Product or the Service may violate copyright, trademark, and other laws and may result in civil and criminal penalties.
4. Payment Processing and Fees
All payments for the Product are processed through Stripe, Inc., a third-party payment processor. By making a purchase, you agree to provide accurate and complete payment information and authorize Stripe to charge the applicable fees to your chosen payment method. We do not store or have access to your full payment card details; such information is handled exclusively by Stripe in accordance with their privacy and security policies. You are responsible for any taxes, duties, or fees imposed by applicable authorities in connection with your purchase. The price of the Product is subject to change at any time without prior notice, but changes will not affect orders already placed and paid for. If your payment fails or is declined, we reserve the right to cancel your order and refuse to provide the Product.
5. Disclaimer of Warranties
THE SERVICE AND THE PRODUCT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, AVAILABILITY, OR FREEDOM FROM VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT THE SERVICE OR THE PRODUCT WILL MEET YOUR REQUIREMENTS, BE ERROR-FREE, UNINTERRUPTED, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OBTAINED THROUGH THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR USE.
EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. The Product is an educational tool designed to help you organize your thinking, challenge assumptions, and structure decisions. It does not constitute financial, investment, tax, legal, accounting, medical, psychological, or professional advice of any kind. All information, frameworks, prompts, and examples provided are for general informational and educational purposes only. You should not rely solely on the Product for making any significant personal, business, financial, or legal decisions. We strongly recommend that you consult with qualified, licensed professionals who are familiar with your specific circumstances before taking any action that could have material consequences. Any reliance on the Product is strictly at your own risk.
NO GUARANTEES OR OUTCOMES. We make no representation, warranty, or guarantee that the Product will result in any specific outcome, including but not limited to increased income, business success, career advancement, wealth accumulation, improved health, emotional well-being, or any other personal or professional benefit. Individual results vary widely and depend on numerous factors beyond our control, including your own effort, skills, knowledge, market conditions, and circumstances. We expressly disclaim any and all liability for any actions you take or refrain from taking based on the content of the Product.
6. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MENTORS.CHAT, ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUBSIDIARIES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, REPUTATIONAL HARM, LOSS OF GOODWILL, OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE OR THE PRODUCT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our total cumulative liability to you for any and all claims arising from or related to these Terms, the Service, or the Product shall not exceed the total amount you actually paid to us for the Product giving rise to the claim, or one hundred euros (€100), whichever is less. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you to the extent prohibited by law. In such cases, our liability shall be limited to the fullest extent permitted by applicable law.
7. Indemnification
You agree to indemnify, defend, and hold harmless Mentors.chat and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable legal fees and costs) arising out of or relating to: (a) your use of the Service or the Product in violation of these Terms; (b) your violation of any applicable law, regulation, or third-party right; (c) any content you submit, post, or transmit through the Service; (d) your infringement of any intellectual property, privacy, or proprietary rights; or (e) any interaction or dispute between you and other users or third parties. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims and not to settle any such claim without our prior written consent.
8. Third-Party Services and AI Tools
The Service and the Product may reference, link to, or interact with third-party platforms, tools, and services, including but not limited to artificial intelligence (AI) models, chatbots, language models, software applications, and cloud services (collectively, "Third-Party Services"). We do not own, operate, control, or endorse any such Third-Party Services, and we are not responsible for their availability, accuracy, security, legality, functionality, or performance. Your use of any Third-Party Services is subject to the terms, conditions, and privacy policies of those respective providers. You acknowledge that when you upload, input, or transmit personal or confidential information to Third-Party Services, such information is subject to the provider's own data handling practices. We strongly advise you to review the privacy settings, security practices, and terms of any Third-Party Services before use. We disclaim all liability arising from your use of or reliance on any Third-Party Services, including any loss, damage, or exposure of your data resulting from such use.
9. Acceptable Use Policy
You agree not to use the Service or the Product in any way that:
- Violates any applicable local, national, or international law, regulation, or treaty;
- Infringes the intellectual property, privacy, publicity, or other rights of any person or entity;
- Is fraudulent, deceptive, misleading, or otherwise unlawful;
- Transmits or disseminates any harmful, abusive, defamatory, obscene, discriminatory, or otherwise objectionable content;
- Interferes with or disrupts the integrity, security, or performance of the Service, including but not limited to introducing viruses, malware, spyware, or other malicious code;
- Attempts to gain unauthorized access to any portion of the Service, or any other systems or networks connected to the Service, through hacking, password mining, or any other means;
- Scrapes, spiders, harvests, or collects any data from the Service without our prior written consent;
- Imposes an unreasonable or disproportionately large load on our infrastructure;
- Impersonates any person or entity or misrepresents your affiliation with any person or entity.
10. User Submissions and Feedback
If you submit any ideas, suggestions, feedback, comments, or other materials to us (collectively, "Submissions"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Submissions in any form, medium, or technology now known or later developed, without any obligation to compensate you or acknowledge you. You represent and warrant that you have all rights necessary to make such Submissions and that they do not infringe any third-party rights. We shall have no obligation to maintain the confidentiality of any Submissions, except as otherwise required by law.
11. Governing Law and Dispute Resolution
These Terms and any dispute arising out of or relating to them, the Service, or the Product shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law principles. However, we may also comply with applicable consumer protection laws in the European Union and other jurisdictions where we operate.
MANDATORY ARBITRATION AND WAIVER OF CLASS ACTIONS. Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or the Product, including the breach, termination, enforcement, or validity thereof, shall be resolved exclusively through binding arbitration administered by a recognized arbitration institution mutually agreed upon by the parties, or failing such agreement, by the courts of Ireland. The arbitration shall be conducted in the English language and take place in Dublin, Ireland, or virtually as determined by the arbitrator. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. You and we each agree to resolve any disputes on an individual basis, and you expressly waive your right to a trial by jury or to bring a claim as a plaintiff or class member in any class action, consolidated action, or representative proceeding. If any provision of this arbitration clause is found to be unenforceable, the remainder shall remain in full force and effect.
12. Time Limitation on Claims
Any claim or cause of action arising out of or relating to these Terms, the Service, or the Product must be brought within one (1) year after the cause of action arises, or such claim or cause of action shall be forever barred, regardless of any statute of limitations to the contrary.
13. Force Majeure
We shall not be held liable for any delay or failure to perform our obligations under these Terms where such delay or failure results from any cause beyond our reasonable control, including but not limited to acts of God, war, civil unrest, terrorism, pandemics, epidemics, governmental actions, strikes, labor disputes, supply chain disruptions, power outages, cyber-attacks, data breaches, failures of telecommunication or internet infrastructure, or any other event that is unforeseeable or unavoidable.
14. Severability and Waiver
If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, it shall be severed from these Terms, and the remaining provisions shall continue in full force and effect. The failure of us to enforce any right or provision of these Terms at any time shall not be deemed a waiver of such right or provision or of our right to enforce it in the future. No waiver shall be effective unless in writing and signed by an authorized representative of Mentors.chat.
15. Assignment
You may not assign, transfer, or sublicense any of your rights or obligations under these Terms without our prior express written consent. We may assign, transfer, or sublicense our rights and obligations under these Terms at any time without notice to you, including in connection with a merger, acquisition, reorganization, or sale of assets.
16. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or policies referenced herein, constitute the entire and exclusive agreement between you and Mentors.chat regarding the Service and the Product, and supersede and replace any prior or contemporaneous agreements, communications, representations, or understandings, whether written or oral, relating to such subject matter. Any headings, captions, or summaries used in these Terms are for convenience only and do not affect the interpretation or meaning of any provision.
17. No Third-Party Beneficiaries
These Terms are for the sole benefit of you and us, and nothing in these Terms, express or implied, shall confer upon any other person any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of these Terms, except as otherwise explicitly stated.
18. Electronic Communications and Notices
You consent to receive communications from us electronically, including via email or by notices posted on the Service. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Notices to you may be sent to the email address you provide during registration or purchase. Notices to us must be sent by email to hello@mentors.chat.
19. Survival
All provisions of these Terms which by their nature should survive termination, including but not limited to intellectual property rights, disclaimers, limitations of liability, indemnification, governing law, dispute resolution, and the no-refund policy, shall survive any termination or expiration of these Terms.
20. All Sales Final
We operate a strict no-refund policy. Due to the digital nature of the Product, all purchases are final. We do not offer refunds, exchanges, credits, partial reimbursements, or accept chargebacks for any reason, including but not limited to buyer's remorse, change of mind, compatibility issues, technical difficulties, failure to read the product description, dissatisfaction with the content, failure to achieve desired outcomes, or any other reason whatsoever. By completing your purchase, you expressly waive any right to request a refund, initiate a chargeback, or dispute the transaction through your payment provider. It is your sole responsibility to review the product description, FAQs, and preview materials before making a purchase. If you encounter a technical issue with downloading or accessing the Product, please contact our support team at hello@mentors.chat, and we will make reasonable efforts to assist you; however, such assistance does not constitute a refund or waiver of this strict no-refund policy.
21. Changes to These Terms
We reserve the right, at our sole discretion, to modify, update, or replace these Terms at any time without prior notice to you, except as required by applicable law. Any changes will be effective immediately upon posting the revised Terms on this page, with the "Last updated" date revised accordingly. Your continued use of the Service or the Product after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for any updates. If you do not agree to any revised Terms, you must stop using the Service and the Product immediately.
22. Contact Information
If you have any questions, concerns, or comments regarding these Terms or the Service, please contact us at:
Mentors.chat
Email: hello@mentors.chat