These Terms & Conditions (“Terms”) govern your access to and use of any products, services, digital content, software, tools (including AI-powered tools or automated systems) subscriptions, training programs, consulting services, courses, or any other offerings (collectively, the “Services”) made available by JPN Education & Consultancy LLC (“Company,” “we,” “us,” or “our”), DBA as Milheiros na América.

BY PURCHASING, ACCESSING, OR USING ANY OF THE COMPANY’S SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS, ALL APPLICABLE DISCLOSURES AND POLICIES MADE AVAILABLE BY THE COMPANY, AND THE TERMS AND CONDITIONS OF THE THIRD-PARTY PAYMENT AND COURSE DELIVERY PLATFORM THAT MAY BE USED TO HOST AND SELL THE SERVICES (HOTMART). THESE TERMS INCLUDE IMPORTANT DISCLOSURES AND RELEVANT INFORMATION, INCLUDING A REQUIREMENT THAT MOST DISPUTES BE RESOLVED INDIVIDUALLY THROUGH BINDING ARBITRATION. IF YOU DO NOT AGREE WITH THESE TERMS, YOU SHOULD NOT PURCHASE, ACCESS, OR USE THE SERVICES.

1. Description of Services

The Services provide educational, informational, and consulting-related services, which may include, without limitation:

• Information related to travel, loyalty programs, rewards, and consumer products;
• General strategies, frameworks, tools, or examples intended to illustrate concepts;
• Software tools, automated or AI-powered features, templates, checklists, or digital resources;
• Websites, mobile sites, applications, content, features, and services, including purchase, possession, or use of any Company’s materials.
• Commentary, tips, insights, or illustrative use cases

THE SERVICES ARE PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. ANY CONSULTING, COACHING, OR PERSONALIZED GUIDANCE PROVIDED IS BASED SOLELY ON THE INFORMATION YOU VOLUNTARILY PROVIDE AND IS INTENDED TO OFFER GENERAL PERSPECTIVES AND DOES NOT CONSTITUTE FINANCIAL, CREDIT, INVESTMENT, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL AND CREDIT DECISIONS. YOU ACKNOWLEDGE THAT CREDIT CARDS INVOLVE RISK, INCLUDING INTEREST, FEES, AND CREDIT SCORE IMPACT.

2. No Guarantees; No Promises of Results

The Company does not guarantee any particular outcome, result, savings, travel benefit, credit approval, rewards accumulation, or financial improvement from your use of the Services. Any examples, illustrations, or success stories are provided for informational purposes only and are not a promise or guarantee of future results. Your results may vary based on numerous factors beyond the Company’s control.

3. License

You are granted a limited, non-transferable, non-exclusive, revocable right to access and use the Services solely for your own internal personal or business purposes (within an existing business or professional activity) subject to the Terms herein.

4. Eligibility

You represent and warrant that:

• You are at least 18 years old or have reached the age of majority in your jurisdiction;
• You have full legal capacity to enter into this Terms agreement;
• Your access to and use of the Services does not violate any applicable laws or regulations in your jurisdiction; and
• You acknowledge that certain information provided may not be applicable or available in all countries.

5. User Accounts & Security

To access certain features of the Services, you may be required to create an account. You agree to provide accurate, current, and complete information and to keep your account information updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. The Company is not responsible for any loss or damage arising from unauthorized access to your account.

6. Confidential Information

Certain content, materials, methodologies, strategies, frameworks, prompts, templates, or tools provided through the Services may constitute the Company’s confidential or proprietary information. You agree not to disclose, copy, distribute, or use any such confidential information for any purpose other than your own internal personal or business purposes (within an existing business or professional activity), unless expressly authorized in writing by the Company.

7. Fees, Payments, and Refunds

a. Fees. Fees for the Services will be disclosed to you prior to purchase and may vary by product, service, plan, or offering. By completing a purchase, you authorize the Company to charge the applicable fees using the payment method you provide. All fees are non-transferable.

b. Refund Policy. Refund eligibility, if any, will be expressly disclosed at the time of purchase and may vary depending on the specific Service.

c. Consulting and Live Services. For consulting sessions, individual coaching, or live services: (i) missed or canceled sessions may be non-refundable unless otherwise stated at the time of booking and (ii) refunds or rescheduling, if permitted, must comply with the terms disclosed at purchase.

d. Discounts, Promotions, and Free Access. The Company may, in its sole and absolute discretion, offer discounts, promotional pricing, coupon codes, complimentary or free access to certain Services, or trial, beta, or other limited-duration access to the Services. Any such offers may be time-limited, revocable, and subject to eligibility requirements; they do not create any ongoing entitlement, right, or expectation, and may be modified, suspended, or terminated at any time unless otherwise expressly stated in writing at the time of the offer. The Company is under no obligation to offer discounts, free access, or promotional terms to all users or to continue any such offers.

Except as otherwise provided in an applicable refund policy, which you may be eligible for and were informed of at the time of purchase, all sales are final, and we do not offer refunds or cancellations.

8. Third Party Products and Affiliates Disclosure

a. Third-Party Services. The Services may reference, link to, or integrate with third-party products, services, websites, tools, programs, or resources, including but not limited to credit cards, loyalty or rewards programs, travel services, financial products, consumer products, software tools, or other offerings (“Third-Party Services”). The Company does not own, control, or operate any Third-Party Services and is not responsible for their availability, accuracy, content, policies, practices, pricing, eligibility criteria, approval decisions, rewards, benefits, or performance. All terms and conditions applicable to Third-Party Services are determined solely by the applicable third-party provider and may be changed, modified, discontinued, restricted, or devalued at any time without notice. Any interactions, transactions, or agreements you enter into with Third-Party Services are solely between you and the third party, and the Company disclaims all liability arising from your use of or reliance on any Third-Party Services.

b. Eligibility and Approval. Approval for any Third-Party Service, product or program is not guaranteed. Eligibility criteria, credit decisions, pricing, rewards, and benefits are determined solely by the applicable third-party provider and may vary based on individual circumstances and provider policies. Past examples, illustrations, or outcomes discussed through the Services do not guarantee future results.

c. Affiliate Relationships. Certain Services may include references to, or links for, Third-Party Services for which the Company may receive compensation, including through affiliate, referral, or partnership programs. You are under no obligation to use any such links or offerings, and any compensation received by the Company does not increase the cost to you. The existence of an affiliate or referral relationship does not constitute an endorsement, guarantee, recommendation, or professional advice.

d. Editorial Independence. The Company strives to reference products, tools, and services that it has evaluated or otherwise identified through its own experience or research, and that it believes may be helpful or valuable. However, all references reflect the Company’s subjective opinion at the time of publication and may change. The Company does not make any representations or warranties regarding the quality, suitability, performance, or outcomes of any Third-Party Services.

e. Credit Card Disclaimer. This content is not provided, commissioned, reviewed, approved, or endorsed by any credit card issuer, advertiser, or third-party provider unless expressly stated. Opinions, analyses, reviews, and evaluations expressed through the Services are those of the Company alone.

f. No Representations. The Company makes no representations as to the accuracy, completeness, currentness, suitability, or validity of any information provided through the Services and will not be liable for any errors or omissions. All content is provided for general informational and educational purposes only and should not be construed as financial, credit, legal, tax, or other professional advice. Approval for any product or program is not guaranteed, and past examples or illustrations do not guarantee future results.

9. Intellectual Property

All content, materials, software, tools, data, designs, text, graphics, videos, audio, and other materials made available through the Services (collectively, the “Materials“) are owned by or licensed to the Company and are protected by intellectual property laws.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services and Materials solely for your own internal personal or business purposes within an existing business or professional activity.

You may not, without the Company’s prior written consent:

• Copy, reproduce, modify, distribute, sell, re-sell, sublicense, or otherwise exploit any Materials;
• Share access credentials or make Materials available to third parties;
• Record, scrape, reverse engineer, or redistribute any portion of the Services;
• Use the Services or Materials to develop or promote competing products or services.

10. User Content

The Company may allow you or may ask you to submit, upload, post, or otherwise make available content, including comments, feedback, testimonials, or other materials (“User Content”). By submitting User Content, you grant the Company a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, display, and otherwise exploit such User Content in any media now known or later developed, for any lawful purpose, including marketing and promotional purposes. You represent and warrant that you have all rights necessary to grant this license.

The Company does not endorse, and is not responsible or liable for, any User Content submitted by you or any third party. The Company assumes no responsibility for any loss or damage to User Content and is not liable for any errors, omissions, or unlawful content. Although the Company has no obligation to monitor or review User Content, the Company reserves the right, in its sole discretion, to remove, edit, or refuse to post any User Content at any time and for any reason without notice.

11. Feedback

If you choose to submit any questions, comments, suggestions, ideas, plans, notes, drawings, original or creative materials, or other information regarding the Services or the Company (collectively, “Feedback”), such Feedback is provided on a non-confidential basis and shall become the sole and exclusive property of the Company. The Company shall have the unrestricted, perpetual right to use, reproduce, modify, adapt, publish, translate, distribute, and otherwise exploit such Feedback for any purpose, commercial or otherwise, without acknowledgment, attribution, or compensation to you.

12. Authorized Publicity

By submitting any testimonial, review, feedback, or statement regarding the Services or your experience with the Company, you grant the Company a perpetual, worldwide, royalty-free, and irrevocable right to use, reproduce, publish, display, and distribute such testimonial, in whole or in part, together with your name, business name, logo, likeness, image, and/or title, in any media or format, for marketing, advertising, promotional, or informational purposes, without further notice, attribution, or compensation.

13. User Conduct

You agree that you will not use the Services in violation of any law, contract, or intellectual property or other third-party right. You further agree not to:

1. Use the Services in any manner that could damage, disable, overburden, or impair the Services;
2. Send unsolicited or unauthorized advertising, solicitations, promotional materials, spam, junk mail, chain letters, and pyramid schemes, or harvest or collect email addresses or other contact information of other users from the Services for the purposes of sending commercial emails;
3. Use any robot, spider, crawler, scraper, or other automated means or interface not provided by us to access the Services or to extract data;
4. Introduce to the Services any virus, Trojan worms, logic bombs, or other harmful material;
5. Circumvent measures employed to prevent or limit access to any area, content, or feature of the Services;
6. Use or attempt to use another’s account, or grant any third party any right to access your account, without authorization from Company;
7. Engage in any harassing, intimidating, predatory, or stalking conduct;
8. “Frame” the Services or otherwise make it look like you have a relationship to us or that we have endorsed you for any purpose without the prior written permission of Company.

The Company reserves the right, in its sole discretion, to suspend, restrict, or terminate your access to the Services at any time if you violate these Terms. In addition, the Company reserves the right to pursue any and all legal, equitable, and contractual remedies available to it, including seeking injunctive relief and monetary damages. Upon termination, your right to access and use the Services will immediately cease.

14. Trademarks and Authorized Publicity

All trademarks, service marks, logos, trade names, trade dress, and branding elements used or displayed in connection with the Services are the exclusive property of the Company or its licensors, partners and recommended solutions. Nothing in these Terms grants you any right, license, or permission to use the Company’s trademarks, logos, or branding without the Company’s prior written consent or except as expressly authorized as part of an official Company program, partnership, affiliate relationship, referral arrangement, or other Company-designated offering. Any unauthorized use is strictly prohibited and may result in legal action.

15. Copyright Infringement; DMCA Notice

The Company respects the intellectual property rights of others. If you believe that any content available through the Services infringes your copyright, you may submit a written notification in accordance with the Digital Millennium Copyright Act (“DMCA”) to the Company’s designated agent at suporte@milheirosnaamerica.com. Your notice must include: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the infringing material and its location; (c) your contact information; (d) a statement that you have a good faith belief that use of the material is not authorized; and (e) a statement, under penalty of perjury, that the information in your notice is accurate.

16. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE CONTENT, PRODUCTS, TOOLS, AND SERVICES INCLUDED OR OBTAINED VIA OR AS PART OF THE COMPANY SITES OR MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED ON OR IN THE COMPANY SITES AND MATERIALS.

17. Limitation of Liability

To the maximum extent permitted by law:

• The Company is not liable for indirect, incidental, punitive, or consequential damages
• The Company’s total cumulative liability arising out of or relating to the Services shall be limited to the amount you paid for the Services in the six (6) months immediately preceding the claim.

18. Indemnification

You agree to defend, indemnify and hold harmless Company, our independent contractors, service providers and consultants, and our and their respective directors, officers, employees and agents (collectively, the “Company Parties“) from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to (a) any Feedback or User Content you provide, (b) your breach of any of these Terms, or (c) your violation of the rights of any third party.

19. Governing Law

These Terms are governed by the laws of the State of South Carolina, excluding conflict-of-laws rules.

20. Dispute Resolution; Arbitration; Jury Trial Waiver

a. Informal Resolution First.
Before starting arbitration or a court proceeding, you and the Company agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to the Services or these Terms (a “Dispute”) through good-faith informal discussions. Either party must provide written notice of the Dispute, including a brief description of the issue and the relief sought. The parties will have 30 days from receipt of such notice to attempt to resolve the Dispute informally.

b. Small Claims Court.
Either party may bring an eligible Dispute in small claims court, provided the claim qualifies and remains on an individual basis.

c. Binding Arbitration.
If a Dispute cannot be resolved through informal resolution and is not brought in small claims court, the Dispute shall be resolved through final and binding arbitration, rather than in court. This means you and the Company waive the right to a judge or jury trial.

d. Individual Claims Only.
All Disputes must be brought on an individual basis only. Class actions, class arbitrations, consolidated actions, or representative proceedings are not permitted.

e. Arbitration Agreement Governing Law.
This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and shall be interpreted and enforced in accordance with the FAA.

f. Arbitration Provider and Rules.
Unless otherwise required by law, arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as in effect at the time the arbitration is initiated.

g. Delegation Clause.
The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this agreement is void or voidable.

Location and Procedure.
Arbitration will take place at a mutually agreed location or remotely via video conference, at the Company’s election, unless otherwise required by law.

h. Time Limit.
Any Dispute must be brought within one (1) year from the date the Dispute first arose, or it is permanently barred, to the extent permitted by law.

i. Costs.
The consumer’s arbitration filing fee will be limited to the amount required under the applicable AAA Consumer Arbitration Rules. The Company will pay arbitration fees in excess of the consumer filing fee, subject to a $5,000 (five thousand dollars) cap, unless the arbitrator determines that the claim is frivolous or brought in bad faith.

j. Injunctive Relief for IP.
Nothing in this section prevents either party from seeking injunctive or equitable relief in court for the alleged unlawful use of intellectual property.

k. Arbitration Opt-Out
You may opt out of the arbitration and class action waiver provisions of these Terms by sending written notice to the Company within thirty (30) days of first accepting these Terms. To opt out, you must send an email to suporte@milheirosnaamerica.com with the subject line “Arbitration Opt-Out” and include your full name and the email address associated with your account. The arbitration opt-out applies only to disputes arising after the opt-out is received and does not apply retroactively. Opting out of arbitration will not affect your access to or use of the Services and will not subject you to any penalties.

21. Miscellaneous

Entire Agreement. These Terms, together with any policies or disclosures incorporated by reference, constitute the entire agreement between you and the Company regarding your use of the Services and supersede all prior or contemporaneous agreements, understandings, or communications, whether written or oral.

Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

Any absence of enforcement of these Terms in some instances does not constitute a waiver of our right to enforce the Terms in other instances. In addition, these Terms do not create any private right of action for any third party or any reasonable expectation or promise that the Services will not contain any content prohibited by these Terms.

22. Modifications

We reserve the right to change or modify these Terms at any time and in our sole discretion. Your continued use of the Services constitutes acceptance of our Terms and Conditions. If you do not agree to the amended Terms, you may not continue to access or use the Services. All questions or comments about the Services should be directed to suporte@milheirosnaamerica.com.