Terms & Conditions

These Terms govern your access to and use of loscallahan.com and any digital products, ebooks, programs, consultations, and services (collectively, the "Services") offered by Bullet Proof Business LLC ("we", "us", or "our"). By accessing the site or purchasing any Service, you agree to these Terms.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to purchase from us.

2. Digital Products & Programs

• All ebooks and downloadable materials are licensed, not sold, for your personal, non-commercial use.
• You may not copy, redistribute, resell, sublicense, post publicly, or share login or download links.
• Coaching, consultations, and program seats are non-transferable.

3. Payments

Prices are listed in USD and processed by third-party providers (Stripe, PayPal). You authorize us to charge your selected payment method for the full amount at checkout. Taxes may apply based on jurisdiction.

4. No Refunds

All sales are final. Due to the nature of digital downloads, mentorship, and time-based consultations, we do not offer refunds, returns, exchanges, or chargebackson any product or service — including ebooks, programs, coaching, consultations, and event seats — once purchased or delivered. See our Refund Policy for full detail.

5. No Guarantees

Our content is educational. We do not guarantee specific credit scores, approval amounts, funding outcomes, income, or business results. Outcomes depend on your effort, financial situation, lender criteria, and factors outside our control. Nothing on this site is legal, tax, accounting, or financial advice. Consult a licensed professional for your situation.

6. Acceptable Use

• No reverse engineering, scraping, or automated access to the Services.
• No uploading of unlawful, infringing, defamatory, or harmful content via the upload tools.
• We may suspend or terminate access for any violation, without refund.

7. Intellectual Property

All content — text, graphics, logos, books, recordings, frameworks, and curriculum — is the property of Bullet Proof Business LLC or its licensors and is protected by U.S. and international copyright law.

8. Third-Party Services & Links

We use third-party tools (e.g., Stripe, PayPal, Calendly, Google) and may link to affiliate partners. We are not responsible for the content, policies, or practices of third parties.

9. Disclaimers & Limitation of Liability

The Services are provided "as is" without warranties of any kind. To the maximum extent permitted by law, Bullet Proof Business LLC and its affiliates will not be liable for any indirect, incidental, consequential, or punitive damages. Our total liability for any claim arising from the Services is limited to the amount you paid us in the twelve (12) months prior to the claim.

10. Indemnification

You agree to indemnify and hold harmless Bullet Proof Business LLC, its officers, and contractors from any claim arising out of your misuse of the Services or violation of these Terms.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Illinois, USA, and applicable U.S. federal law. Any dispute will be resolved by binding arbitration in Cook County, Illinois, on an individual basis. You waive any right to participate in a class action.

12. Changes

We may update these Terms from time to time. Continued use of the Services after changes means you accept the updated Terms.

13. Contact

Bullet Proof Business LLC — info@bulletproofcredit.com