Terms & Conditions
Last Updated: December 3, 2025
Welcome to Carmin Wharton International, LLC (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website, digital products, coaching services, physical products, programs, memberships, and all related content or services offered (collectively, the “Services”).
By accessing or using any of our Services, you agree to be bound by these Terms. If you do not agree, please discontinue use of our website and Services immediately.
1. Eligibility
By using our Services, you represent and warrant that you are at least 18 years of age and legally capable of entering into a binding contract. Minors are not permitted to use or purchase our Services.
2. Intellectual Property Rights
All content provided through our Services—including, but not limited to, website content, digital downloads, Business Briefs, workbooks, templates, eBooks, audio files, courses, coaching materials, graphics, branding elements, photographs, and written content—is the exclusive property of Carmin Wharton International, LLC and is protected by U.S. and international copyright, trademark, and intellectual property laws.
You agree that you will not:
Reproduce, copy, or distribute any materials
Sell, license, or modify any content
Claim ownership or authorship of any content
Share paid materials with third parties
Upload, post, or transmit our content onto any AI model, tool, software, dataset, or training system without explicit written permission
Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action.
3. Use of Services
You agree to use our Services only for lawful purposes. You further agree that you will not:
Use the Services to harass, abuse, or harm others
Provide false, misleading, or incomplete information
Attempt to gain unauthorized access to our systems
Interfere with the functionality or security of the website
Use our content for competitive or commercial purposes without permission
Share your account access, login credentials, course materials, or membership materials with others
Engage in data scraping, data extraction, or copying of website structure, content, or code
We reserve the right to terminate or restrict your access to the Services for violations of these Terms.
4. Coaching Services
All coaching provided (including self-study courses, group coaching, private coaching, intensives, consultations, and memberships) is intended for educational and informational purposes only. Coaching is not therapy, counseling, medical treatment, mental health care, legal assistance, or financial advising.
You understand and agree that:
We do not guarantee business outcomes, income levels, personal results, or financial performance
You are solely responsible for your decisions, actions, and results
Access to coaching materials may be revoked if Terms are violated
Coaching may involve discussion of business goals, life goals, personal development, or mindset strategies, but none of these constitute professional or licensed advice.
5. Digital Products and Online Courses
Digital products—including Business Briefs, templates, eBooks, audio files, online courses, planners, and downloadable materials—are licensed for personal use only.
You may not:
Share, sell, or distribute digital products
Upload digital products to shared drives, social media, AI systems, or public platforms
Claim the materials as your own
Use the content to create derivative products for resale
We monitor unauthorized distribution and will pursue violations of these Terms.
6. Physical Products
Physical products (including merchandise, Print-on-Demand items, and VIP boxes) may be offered through third-party vendors. By purchasing, you acknowledge that fulfillment, shipping, and delivery times may vary due to vendor processes.
The Company is not liable for:
Delays in shipping
Lost packages once in transit
Vendor errors outside our control
(Refunds and replacements for physical products are addressed in your separate Returns & Refunds Policy.)
7. Payment Terms
By purchasing any product or service, you authorize the Company (and its payment processors) to charge your selected payment method for the total amount due, including taxes where applicable.
You agree not to initiate a chargeback or payment reversal without first contacting the Company to resolve any issue.
Fraudulent chargebacks may result in:
Account suspension
Collection activity
Legal action to recover funds and fees
These terms of use apply to your use of all of the Sites and services owned, hosted, or operated by Carmin Wharton International LLC (collectively “we,” “us,” or “our”), including CarminWharton.com, SuccessAcademyforWomen.com, BusinessWomenUniversity.com, and any other site that we have owned or operated, do own and operate or may own or operate in the future including social media sites (collectively, the “Sites”). Unless we say otherwise, all references to the Sites in these terms of use include all such Sites. These terms of use do not apply to your use of unaffiliated Sites to which any of the Sites may link to or direct you to.
8. No Guarantee of Results
You understand and agree that the Company does not make any guarantees—financial, business, personal, or otherwise—regarding the outcomes of using our content or services.
Your results depend on many factors outside our control, including:
Personal effort
Business skills
Market conditions
Consistency and commitment
Decision-making
Any examples of results shown through testimonials or case studies are illustrative only.
9. Testimonials and Reviews
Testimonials on our website, marketing materials, and social media are submitted voluntarily and reflect individual experiences. They do not guarantee that current or future clients will achieve similar results.
Testimonials may be edited for clarity without altering meaning.
10. Third-Party Links and Tools
Our website may contain links to third-party websites, applications, or tools. We are not responsible for:
The content on third-party platforms
The privacy practices of these platforms
Any harm or damages that may occur from using them
Your interactions with third-party sites are solely at your own risk.
11. Limitation of Liability
To the fullest extent permitted by law, Carmin Wharton International, LLC is not liable for any:
Direct, indirect, incidental, special, or consequential damages
Loss of income, profits, business, data, or goodwill
Injuries or damages resulting from your use (or inability to use) any Services
This includes, but is not limited to, issues involving:
Website downtime
Errors in content
Unauthorized access by third parties
Delays or interruptions in service
Actions taken based on information provided through our Services
You agree to use all Services at your own risk.
12. Indemnification
You agree to indemnify, defend, and hold harmless Carmin Wharton International, LLC from any claims, losses, liabilities, damages, costs, or expenses—including legal fees—arising from:
Your use or misuse of the Services
Your violation of these Terms
Your infringement of intellectual property rights
Your misconduct or unlawful behavior
13. Termination
We reserve the right to suspend or terminate your access to any Service, without notice, if you:
Violate these Terms
Engage in harmful or fraudulent behavior
Share or distribute protected materials
Threaten the integrity, safety, or operation of our business
Upon termination, all rights granted to you immediately revert to the Company.
14. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of Georgia, without regard to its conflict of law principles.
You agree that any dispute arising from these Terms will be resolved exclusively in the appropriate courts located in DeKalb County or Fulton County, Georgia.
15. Changes to Terms
We may update these Terms from time to time.
The “Last Updated” date at the top indicates the most recent revision.
Continued use of the Services after changes are made constitutes acceptance of the revised Terms.
16. Events, Information, and Content
The events, information, courses, and content on the list are subject to change without notification.
17. Submissions
We welcome your comments about any of the Sites. However, we will not review or consider any unsolicited creative submissions or suggestions for topics within our newsletters, blogs, or products. We hope you will understand that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by our staff might seem to be similar to the ideas submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions or materials. If, despite our request, you send us any idea, suggestion or material (“Submission”), it shall become our property. We will not be subject to any obligation of confidence for any Submission, and we will not be liable for any use or disclosure of any Submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the Submission worldwide, and we will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you. We love that you are inspired, but keep that inspiration as yours.
18. Forums
A “forum” means any message board, chat room, social media posts, social media comments, user review forum, or other interactive service appearing on any of the Sites and includes both public boards and private folders. You must register in accordance with instructions that you will find on the Sites in order to contribute to any forum. You may not post on any forum, or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the Sites, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, non-exclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Sites.
19. Registration
We may, at our discretion, suspend or terminate the registration of any forum user or general user who violates any of these terms of use of use, any of the forum member guidelines or for any other behavior that we in our discretion believe is inappropriate.
20. Confidentiality
Users of our Sites hereby understand that the tools, processes, strategies, materials, and information presented on our Sites are copyrighted and proprietary, so users agree not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorized use or distribution of our Sites proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and Promoter will pursue legal action and full damages if these terms are violated in order to protect its rights.
21. Contact Information
If you have any questions about these terms of use you may contact us at
Carmin Wharton International LLC
650 Ponce De Leon Avenue
Suite 300, #1615
Atlanta, GA 30308
Email: info@carminwharton.com