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Terms & Conditions

Effective Date: September 18, 2026

Last Updated: September 18, 2026

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Welcome to www.AccreditedElla.com. These Terms and Conditions (“Terms”) govern your access to and use of the website, products, services, memberships, subscriptions, workshops, digital offerings, and physical merchandise offered by Accredited Ella, LLC (“AE,” “we,” “us,” or “our”). By accessing our site or purchasing our offerings, you (“User,” “Client,” or “Ella”) agree to be bound by these Terms.

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1. Scope of Services & Conspicuous Disclaimers

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  • EDUCATIONAL PURPOSE ONLY: AE PROVIDES WEALTH EDUCATION, FINANCIAL LITERACY WORKSHOPS, PERSONAL FINANCE TECHNOLOGY AND RESOURCE GUIDANCE, COMMUNITY PROGRAMMING, ADVISOR INTEGRATION, DIGITAL PRODUCTS, AND MERCHANDISE OFFERINGS.

 

  • NO PROFESSIONAL ADVICE: AE, ITS OWNERS, AND EMPLOYEES DO NOT PROVIDE LEGAL, TAX, INSURANCE, INVESTING, OR FINANCIAL ADVICE. NO FIDUCIARY DUTY, ATTORNEY-CLIENT RELATIONSHIP, OR FINANCIAL ADVISORY RELATIONSHIP IS CREATED THROUGH YOUR USE OF THE WEBSITE OR PARTICIPATION IN AE OFFERINGS.
     

  • THIRD-PARTY TECHNOLOGY ASSUMPTION OF RISK: AE MAY PROVIDE EDUCATIONAL GUIDANCE ON THIRD-PARTY PERSONAL FINANCE TOOLS, SOFTWARE, PLATFORMS, OR BUDGETING APPLICATIONS. AE DOES NOT TAKE CUSTODY OF ACCOUNT CREDENTIALS, DOES NOT OWN THIRD-PARTY SOFTWARE, AND MAKES NO WARRANTIES REGARDING THIRD-PARTY TECHNOLOGY PERFORMANCE, ACCURACY, OR SECURITY. YOU ASSUME ALL RISK ASSOCIATED WITH USING THIRD-PARTY PLATFORMS.

 

  • CONSULT LICENSED PROFESSIONALS: AE IS NOT A LICENSED FINANCIAL ADVISORY FIRM, RIA, BROKER-DEALER, INSURANCE BROKERAGE, OR LAW FIRM. YOU EXPRESSLY AGREE TO CONSULT LICENSED PROFESSIONALS REGARDING YOUR SPECIFIC CIRCUMSTANCES PRIOR TO EXECUTING FINANCIAL, LEGAL, TAX, OR INVESTMENT DECISIONS.

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2. Third-Party Advisor Integration

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Upon your explicit written request, AE may introduce you to or share your profile data with third-party professional advisors. AE does not endorse, guarantee, or assume responsibility for the advice, actions, or performance of any third-party professional. Engagements with third-party advisors are governed strictly by your independent agreements with those professionals.

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3. Comprehensive AE Intellectual Property (IP) & Content Rights

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  • AE IP Ownership: AE owns and at all times retains all right, title, and interest in and to its trademarks, copyrights, patents, trade secrets, data, know-how, website content, non-public frameworks, templates, program materials, session recordings, proprietary methodologies, digital downloads, and other intellectual property or proprietary rights arising from or related to AE offerings and the site (“AE IP”).
     

  • Assignment of Derivatives: You hereby assign to AE any ancillary right, title, or interest created in the AE IP and direct derivatives thereof.
     

  • Client IP: You retain exclusive ownership of all pre-existing personal data, business materials, and background intellectual property provided to AE (“Ella IP”).
     

  • Limited License & Restrictions: AE grants you a limited, non-exclusive, non-transferable, revocable license to use AE IP solely in connection with receiving or utilizing AE offerings for personal, non-commercial use. You agree not to record sessions, nor copy, sell, share, display, reproduce, or distribute AE Proprietary Content or AE IP to third parties without AE's prior written consent. AE Proprietary Content remains protected perpetually.
     

4. Fees, Billing, Transactions, & Recurring Payment Authorization

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  • Fees & Purchases: Fees for services, program enrollment, subscriptions, memberships, add-on features, digital products, physical merchandise, and other such offerings (“Fees”) are set at the time of purchase, on applicable website checkout portals, invoice notices, order forms, agreements and/or service proposals. Fees are due in advance. Offerings may be sold directly through the AE website or via third-party channels and external payment portals.
     

  • Surcharges & ACH: ACH bank transfers do not incur payment surcharges. Where permitted by state law, credit card payments may incur a processing surcharge not exceeding AE's actual cost of processing, capped at three percent (3%).
     

  • Recurring Billing Authorization: For recurring subscriptions or fee installments, you authorize AE and its designated payment processors to charge your payment method for agreed Fees when due. You may update billing details or revoke recurring authorization with written notice at least five (5) business days prior to the next scheduled billing date.

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5. SMS Communications

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By opting in to AE's SMS program, you consent to receive customer service and marketing text messages. You may cancel at any time by texting STOP. Message and data rates may apply, and carriers are not liable for delayed or undelivered messages.

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6. Limitation of Liability & Indemnification

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  • DISCLAIMER OF WARRANTIES: ALL OFFERINGS, PRODUCTS, SERVICES, AND SITE MATERIALS ARE PROVIDED “AS-IS” AND “AS-AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
     

  • LIMITATION OF LIABILITY: AE’S AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO AE OFFERINGS OR THE WEBSITE SHALL BE LIMITED TO DIRECT DAMAGES NOT TO EXCEED THE TOTAL FEES PAID BY YOU TO AE UNDER YOUR MOST RECENT PURCHASE OR SERVICE PROPOSAL. AE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
     

  • CLAIM DEADLINE: YOU MUST NOTIFY AE OF ANY LEGAL CLAIM WITHIN ONE (1) YEAR OF THE OCCURRENCE GIVING RISE TO THE CLAIM. FAILURE TO DO SO PERMANENTLY RELEASES AE FROM ALL LIABILITY RELATED TO SUCH CLAIM.
     

  • Indemnification: You agree to hold harmless and indemnify AE, its officers, directors, employees, agents, vendors, successors and assigns from any third-party claims arising from and/or related to your breach of these Terms, misuse of offerings, and/or failure to consult a licensed professional when merited.
     

7. Dispute Resolution, Governing Law, & Class Action Waiver

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  • Governing Law: These Terms are governed by Georgia state law, without regard to conflict of law principles.
     

  • Pre-Suit Mediation: The parties agree to participate in good-faith virtual or local mediation in Gwinnett County, Georgia, prior to filing any lawsuit.
     

  • Jurisdiction: Exclusive jurisdiction and venue reside in the U.S. District Court for the Northern District of Georgia or the Superior Court of Gwinnett County, Georgia.
     

  • CLASS ACTION & JURY TRIAL WAIVER: YOU AND AE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU AND AE EXPRESSLY WAIVE ANY RIGHT TO A TRIAL BY JURY.

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8. Order of Precedence & Severability

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In the event of a conflict between these general website Terms and a fully executed client agreement between you and AE, the terms of the executed client agreement shall govern and control. If any provision of these Terms is held invalid, the remaining provisions shall remain in full force and effect, and the invalidated provisions shall be replaced with enforceable provisions mirroring the intent of the original terms.

 

9. Contact Information

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Accredited Ella, LLC

279 W Crogan St., Lawrenceville, GA 30046

Email: hello@accreditedella.com

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