Terms & Conditions

Effective Date: May 4

Welcome to howardwolpoff.com. This website is owned and operated by Howard Wolpoff.

By visiting this website, using its content, downloading resources, submitting information, joining a community, booking a conversation, or purchasing any product or service offered through this website, you agree to the following Terms & Conditions.

Please read them carefully. If you do not agree with these Terms & Conditions, please do not use this website.

1. Website Purpose

This website provides information, resources, coaching-related content, educational materials, community access, and business guidance related to Small Business Owner 101, small business clarity, sales, marketing, decision-making, systems, leadership, and growth.

The content on this website is provided for general educational and informational purposes only.

2. No Professional Advice

The information on this website is not intended to replace legal, financial, tax, accounting, medical, mental health, or other professional advice.

Any business guidance, coaching content, articles, resources, downloads, videos, community discussions, or conversations are provided for educational and practical business-development purposes.

You are responsible for your own business decisions, actions, implementation, and results. You should consult qualified professionals before making legal, financial, tax, or other significant business decisions.

3. Coaching and Educational Services

Howard Wolpoff may offer coaching, consulting, workshops, courses, community access, downloads, webinars, or other educational services.

Participation in any coaching, consulting, community, or educational program does not guarantee a specific outcome, revenue result, business result, sales result, personal result, or financial improvement.

Results vary based on many factors, including your business model, market, effort, timing, implementation, available resources, and decisions.

4. No Guarantees

While the goal of this work is to help small business owners gain clarity, improve decisions, build better systems, and move forward with more confidence, no guarantee is made regarding specific business outcomes.

Testimonials, examples, case studies, or stories shared on this website are not promises of what you will experience. They are examples only.

5. Intellectual Property

All content on this website, including text, images, graphics, designs, videos, downloads, frameworks, worksheets, course materials, page layouts, logos, branding, and other materials, is owned by Howard Wolpoff or used with permission unless otherwise stated.

This includes, but is not limited to, materials related to Small Business Owner 101.

You may view, download, or print materials for your own personal or internal business use only.

You may not copy, reproduce, modify, distribute, sell, publish, teach, share, repurpose, or create derivative works from website content, downloads, coaching materials, course materials, or frameworks without written permission.

6. Acceptable Use

You agree not to use this website or its materials in any way that:

Violates any law or regulation
Infringes on intellectual property rights
Attempts to interfere with the website’s operation or security
Uses the website for spam, scraping, data mining, or unauthorized automation
Submits false, misleading, harmful, or unlawful information
Attempts to gain unauthorized access to website systems, forms, platforms, or accounts
Harasses, abuses, or harms another person or user

We reserve the right to restrict or terminate access to the website, resources, community, or services if these Terms are violated.

7. Downloads, Resources, and Free Materials

This website may offer free or paid downloads, including guides, worksheets, frameworks, books, checklists, or other resources.

These materials are provided for educational use only. You are responsible for how you apply them.

Free resources may be changed, removed, or discontinued at any time without notice.

8. Payments, Purchases, and Refunds

If paid products, coaching, workshops, courses, community memberships, or other services are offered through this website, payment terms will be stated at the time of purchase or enrollment.

Unless otherwise stated in writing, all purchases are subject to the specific terms provided for that product or service.

Refund policies may vary depending on the offer. Any applicable refund policy will be provided at the time of purchase, registration, or agreement.

For private coaching, consulting, or custom services, payment terms, cancellation terms, scheduling terms, and refund terms may be governed by a separate written agreement.

9. Scheduling and Cancellations

If you book a conversation, consultation, coaching session, or meeting through this website or a third-party scheduling platform, you agree to provide accurate information and attend at the scheduled time.

If you need to reschedule or cancel, please provide as much notice as possible.

Howard Wolpoff reserves the right to reschedule, decline, or cancel a meeting when necessary.

10. Community Guidelines

If this website links to or provides access to a community, membership area, online group, or discussion platform, you agree to participate respectfully and professionally.

You agree not to:

Harass, threaten, or demean others
Share confidential information without permission
Spam, pitch excessively, or misuse the community
Post offensive, unlawful, or harmful content
Copy, sell, or distribute community content without permission

Access to a community may be removed if these guidelines are violated.

11. User-Submitted Information

If you submit information through forms, email, downloads, scheduling tools, comments, community platforms, or other website features, you are responsible for making sure the information is accurate and appropriate to share.

Do not submit highly sensitive, confidential, financial, legal, medical, or personal information unless specifically requested through a secure process.

By submitting information, you grant permission for Howard Wolpoff to use it for the purpose of responding to your inquiry, providing requested resources, managing services, or communicating with you, consistent with the website’s Privacy Policy.

12. Third-Party Links and Tools

This website may include links to third-party websites, platforms, tools, scheduling systems, payment processors, social media platforms, community platforms, podcasts, articles, or other resources.

These third-party websites and services are not controlled by Howard Wolpoff.

We are not responsible for the content, policies, security, availability, accuracy, or practices of any third-party websites or platforms.

Your use of third-party tools or websites is subject to their own terms and privacy policies.

13. Website Availability

We make reasonable efforts to keep the website available and functioning properly. However, we do not guarantee that the website will always be available, uninterrupted, secure, error-free, or free from viruses or harmful components.

The website may be updated, changed, suspended, or discontinued at any time without notice.

14. Limitation of Liability

To the fullest extent permitted by law, Howard Wolpoff shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from your use of this website, its content, downloads, resources, services, links, or third-party platforms.

This includes, but is not limited to, business losses, lost revenue, lost profits, lost opportunities, data loss, reputational harm, or decisions made based on website content.

Your use of this website and its materials is at your own risk.

15. Indemnification

You agree to indemnify and hold harmless Howard Wolpoff from any claims, damages, liabilities, losses, expenses, or costs arising from your use of this website, your violation of these Terms & Conditions, your misuse of any materials, or your violation of any rights of another person or entity.

16. Privacy

Your use of this website is also governed by the Privacy Policy, which explains how information may be collected, used, and protected.

Please review the Privacy Policy here:

[Insert Privacy Policy Link]

17. Changes to These Terms

These Terms & Conditions may be updated from time to time.

Any changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted means you accept the updated Terms & Conditions.

18. Governing Law

These Terms & Conditions shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes related to these Terms, this website, or related services shall be handled in the appropriate courts located in Florida, unless otherwise required by law or agreed in writing.

19. Contact Information

If you have questions about these Terms & Conditions, please contact:

Howard Wolpoff
Email: [Insert your email address]
Website: howardwolpoff.com