Terms of Service Agreement
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By visiting our site and/or purchasing something from Cofield's Concepts, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content. 

This Agreement (“Agreement”) is made effective by and between Cofield's Concepts (the “Company”), and purchaser of the digital product (hereafter “Customer”), for the purpose of Customer purchasing a digital product from Company’s website (the “Product”). Customer agrees to the terms and conditions below by checking the box in the online checkout form or by submitting payment for the Product.

1. General Conditions

Company reserves the right to refuse service to anyone for any reason at any time. Customer agrees to understand that his/her content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. Customer understands that all receipts, transactions, and invoices are sent from Company will show up as the registered company name, Cofield's Concepts.

By completing a sale you agree that you have fully consented to any payment to Cofield’s Concept’s LLC and that any/all payments are valid and that you have consented to the purchase of the Program. You agree to waive any/all rights to charge-back, dispute, or make claims (“disputes”) against any payment made to Cofield’s Concepts LLC as being fraudulent, purchased in error, services not delivered to you, product not received, or any other dispute which claims that any payment is unlawful. You agree to not initiate any disputes or claims through your credit card company, bank, lending institution, or any other payment provider since you have fully consented to all charges outlined in the program you are enrolled in. Thus you agree that you may not dispute any payments made to Cofield’s Concepts LLC.

2. Digital Product Usage 

After purchasing the digital product, Customer will be given access to the product materials in within [48 hours] through his/her email. Customer will have access to the materials so long as the product(s) is/are available.

Company hereby grants to Customer one (1) exclusive, non-sublicensable, non-transferable, license to use the Product. Customer understands and agrees that the Product materials may not be shared with any third party. In the event Company suspects that the Product is being shared with another party, Company reserves the right to immediately terminate Customer’s access to the Product.

Customer agrees not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Product, use of the Product, or access to the Product or any contact on the website through which the product is provided, without express written permission by us.

Customer may use the Product for his/her own personal use but may not redistribute anything without proper credit. Customer is obligated to tag or give credit to Company for anything he/she posts or shares.

3. Fees & Payment Processing 

In consideration for access to the Product provided by Company, Customer agrees to compensate Company the fee indicated on the online checkout form. If any payment methods are declined by the online payment processor, Customer shall provide a new eligible payment method before receiving access to the Product. In the event Customer has already been given access to the Product and a payment method is declined, Company reserves the right to collect any and all outstanding receivables.

4. Accuracy of Billing and Account Information

Company reserves the right to refuse any order placed with them. Company may, in their sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that a change is made to an order or an order is cancelled, Company may attempt to notify Customer by contacting the e-mail and/or billing address/phone number provided at the time the order was made.

Customer agrees to provide current, complete and accurate purchase and account information for all purchases made. Customer agrees to promptly update his/her account and other information, including his/her email address and credit card numbers and expiration dates, so that Company can complete his/her transactions and contact his/her as needed.

5. Subscription or Payment Plan Policy

Customer who purchases a subscription based Product or purchase under a payment plan will be subjected to the following:
• “Monthly” payments or subscriptions will be charged each month on the same day as the day of the month when subscription was first activated.
• “Annual” payments or subscriptions will be charged each year on the same day and month as the day and month as when subscription was first activated.
• If the charge is scheduled for a day that does not exist in the month being charged (for example the 31st June), then the charge will instead occur on the last day of that month.

6. Refund Policy for Digital Products & Event Tickets

All Sales are final. No refunds will be issued except under extreme circumstances. It is up to the Company’s discretion to offer Customer a partial refund or full refund on any other digital products.  Products sold for less than $40 are non-refundable with no negotiations. If explicitly stated on a product disclaimer that it is non-refundable or sale is final, no partial or full refunds will be available and no negotiations will be tolerated. 

All Digital Products are intellectual-based property, due to the inability to reverse knowledge, you will have immediate access to this information and as a result all sales are final. Due to the nature of digital products being immediately accessible upon purchasing, not all Products sold by Company are available for refunds of any.

7. Payment Policy for Deposits & Mastermind or Mentorship Programs

You hereby agree that all Program sales are final, non-refundable, and non-transferable under no circumstances. You agree that you have fully consented to any payment to Melanin Money Program and that any/all payments are valid and that you have consented to the purchase of the Program.

You agree to waive any/all rights to charge-back, dispute, or make claims (“disputes”) against any payment made to the Melanin Money Program as being fraudulent, purchased in error, services not delivered to you, product not received, or any other dispute which claims that any payment is unlawful. You agree to not initiate any disputes or claims through your credit card company, bank, lending institution, or any other payment provider since you have fully consented to all charges outlined in the program you are enrolled in.

Thus you agree that you may not dispute any payments made to the Melanin Money Mastermind Program, Melanin Money Mentorship  Program, or a Deposit.

A. Deposit PaymentThe Member will pay a deposit of $3,000 via Mastermind with Carter Cofield Deposit site before the Member will be permitted to participate in the Melanin Money Program. The deposit fee is a non-refundable, non-transferable payment, and reserves the Member's spot in the Melanin Money Program described herein. The deposit is due and payable before when the Member signs this Agreement and shall be applied towards the total cost amount of payments due. By signing this Agreement, the Member expressly recognizes and agrees that Carter Cofield and George Acheampong have decided to reserve the Member's spot in the Melanin Millionaire Program for the date listed, and because a cancellation by Member would preclude Carter Cofield and George Acheampong from filling that spot with another member, Carter Cofield and George Acheampong would suffer damages in an amount that is difficult or impossible to reasonably estimate at the time of entering into this agreement.

B. Payments. The total cost of the program is $30,000.00 if paid in FULL or $33,000 if paid in installments with a program duration of 12 months. Participation in the Melanin Money Program for the stated term will be $30,000 if paid in FULL by credit card, ACH, or Wire transfer. Or $33,000 if paid in installments the "Fee" Payments shall be made by ACH, automatically drafted when signing the agreement and on the 1st of every month. Members will complete a Bank Authorization sent separately. All payments made under this agreement are non-refundable.

8. Cancellation & Refund Policy For Subscription Based Products

For subscription based products, Company must receive a written cancellation request from Customer via email to Contact@cofieldsconcepts.com within 24 hours of his/her upcoming payment collection date. Or Customer must self-initiate a cancellation no later than the day of payment collection date.

Company reserves the right to take 24-48 hours to process cancellation requests, excluding weekends and holidays. Under the circumstance that the Customer was charged their subscription fee after requesting a cancellation, the Customer understands that the Company will process a refund for that fee within 24-48 hours, excluding weekends and holidays.

9. Personal Information

By purchasing the Product, Customer will be asked to provide personal information including his/her name, email address, phone number, mailing and billing address. Customer agrees to allow Company access to this personal information for all lawful purposes. Customer is responsible for the accuracy of the identifying information, maintaining the safety and security of his/her identifying information, and updating Company on any changes to his/her identifying information.

The billing information provided to Company by Customer will be kept secure and is subject to the same confidentiality and accuracy requirements as Customer’s identifying information indicated above. Providing false or inaccurate information, or using the Product for fraud or unlawful activity, is grounds for immediate termination from the Product.

10. Warranties and Liability 

Company makes every effort to ensure that the Product is accurate and fit for the use of Company’s customers. However, Company takes no responsibility whatsoever for the suitability of the Product, and Company provides no warranties as to the function or use of the Product, whether express, implied or statutory, including without limitation any warranties of merchantability or fitness for particular purpose. Customer agrees to indemnify Company against all liabilities, claims, demands, expenses, actions, costs, damages, or loss arising out of Customer’s breach of these terms and conditions. Company shall not be liable to Customer or any third party for consequential, indirect, special or exemplary damages including but not limited to damages for loss of profits, business or anticipated benefits whether arising under tort, contract, negligence or otherwise whether or not foreseen, reasonably foreseeable or advised of the possibility of such damages. 

11. Force Majeure

If the performance of this Agreement or any obligations hereunder is prevented, restricted or interfered with by reason of earthquake, fire, flood or other casualty or due to strikes, riot, storms, explosions, acts of God, death of him/herself or a family member, war, terrorism, or a similar occurrence or condition beyond the reasonable control of the parties, the party so affected shall, upon giving prompt notice to the other party, be excused from such performance during such prevention, restriction or interference, and any failure or delay resulting therefrom shall not be considered a breach of this Agreement.

12. Guarantees 

Company does not make any guarantees as to the results, including financial or other personal gains, of Customer’s use of the Product. Customer agrees to take responsibility for Customer’s own results with regard to using the Product.

13. Release & Reasonable Expectations 

Customer has spent a satisfactory amount of time reviewing Company’s business and has a reasonable expectation that Company’s Product will produce different outcomes and results for each Customer. Customer understands and agrees that: 

▪ Every Customer and final result using the Product is different;
▪ The Product is intended for a mass audience.

14. Third-Party Links

Certain content, products and services available via our Company or Product may include materials from third-parties. Third-party links on this site may direct Customer to third-party websites that are not affiliated with us. Company is not responsible for examining or evaluating the content or accuracy and Company does not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

Company is not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Customer agrees to review carefully the third-party's policies and practices and make sure he/she understands them before he/she engages in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

15. Entire Agreement

This is a binding Agreement that incorporates the entire understanding of the parties, supersedes any other written or oral agreements between the parties, and any modifications must be in writing, signed by both parties, and physically attached to the original agreement.
16. Venue and Jurisdiction

The laws of the State of North Carolina shall govern this contract, and any resulting arbitration shall take place within Mecklenburg, North Carolina. Both parties assume responsibility for all collection costs and legal fees incurred should enforcement of this Agreement become necessary. 

17. Mediation and Arbitration 

Any and all disputes or disagreements rising between the parties out of this Agreement upon which an amicable understanding cannot be reached, shall be decided first by mediation, and if mediation is unsuccessful, then arbitration in accordance with the procedural rules of the American Arbitration Association. The parties agree to be bound by the decision of the arbitrator(s). The arbitration proceeding shall take place in Dallas, Texas, unless another location is mutually agreed to by the parties. The cost and expenses of the arbitrators shall be shared equally by the parties. Each party shall be responsible for its own costs and expenses in presenting the dispute for arbitration.

18. Severability

In the event that any part of this Agreement is found to be invalid or unenforceable, the remainder of this Agreement shall remain valid and enforceable. Any failure by one or both parties to enforce a provision of this Agreement shall not constitute a waiver of any other portion or provision of this agreement.

19. Changes To Agreement Terms

Customer can review the most current version of the Terms of Service at any time at this page.
Company reserves the right, at their sole discretion, to update, change or replace any part of this Agreement by posting updates and changes to our website. It is Customer’s responsibility to check our website periodically for changes. Customer’s continued use of or access to Company website or the Product following the posting of any changes constitutes acceptance of those changes. If Customer does not agree to all the terms and conditions of this agreement, access to the service will be revoked.

20. Contact information

Questions about the Service or Agreement should be sent to Company at Contact@cofieldsconcepts.com
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111 W. Jackson, Suite 1700, Chicago, 60604