GENERAL CONDITIONS OF SALE

(Terms and Conditions of Purchase)
J&B Brown Companies

Article 1: Scope of Application

These General Conditions of Sale apply to all transactions completed through the websites, funnels, or payment systems managed by J&B Brown Companies (“the Company”).

A “Client” refers to any natural or legal person who places an order with the Company through a secure payment system, by check, cash, or any other accepted payment method.

By placing an order, the Client fully and unconditionally accepts these General Conditions of Sale.

Article 2: Age Requirement

To purchase or participate in the Company’s products and services, Clients must meet the following age requirements:

Digital or physical products: Clients must be at least 16 years old, or have the permission of a parent or legal guardian.
Coaching, health sessions, workshops, or live events: Clients must be at least 18 years old.

By making a purchase or registering for a service, you confirm that you meet these requirements and understand the personal responsibility involved in professional coaching and personal development programs.

Article 3: Orders

All orders placed through any platform belonging to J&B Brown Companies imply full and unconditional acceptance of these General Conditions of Sale.

The Company reserves the right to refuse or cancel any order in the event of payment issues, client disputes, or violations of these terms.

Article 4: Prices

All prices are displayed in U.S. Dollars (USD) and include applicable taxes, unless otherwise stated.
Shipping or handling fees, when applicable, are specified separately before checkout.

Prices may change at any time without notice, but the price confirmed at the time of purchase is the one that applies to the order.

Article 5: Payment

Payment is due immediately upon placing the order, including for pre-orders.

Accepted payment methods include:

Major credit or debit cards (Visa, Mastercard, etc.)
PayPal
Other secure payment gateways managed by Stripe or similar providers

All transactions are encrypted and securely processed by third-party payment processors.
J&B Brown Companies does not store or have access to your payment details.

Article 6: Delivery

Digital products (courses, downloads, memberships) are delivered immediately upon payment confirmation via email or secure member access.
Physical products (if applicable) are shipped to the address provided at checkout.

Clients are responsible for providing accurate delivery details.
In the case of a lost or damaged package, the Company will assist in locating or replacing the item, or issue a refund according to its policies.

Article 7: Refunds and Cancellations

Refund policies depend on the product or service purchased.

Unless otherwise stated on the product’s checkout page:

Digital products and online programs are non-refundable once accessed or downloaded.
Coaching sessions and live events may have specific cancellation terms, which will be provided in writing before purchase.

If a refund is approved, it will be processed within 7–14 business days to the original payment method.

Article 8: Data Protection and Privacy

By purchasing a product, joining a program, or subscribing to our mailing list, you consent to the collection and use of your personal information by J&B Brown Companies for communication, marketing, and customer support purposes.

We do not sell, rent, or share your information with third parties.
You can request data deletion or unsubscribe from communications at any time by emailing jamie@jamiemorganbrown.com.

Article 9: Intellectual Property

All materials provided by J&B Brown Companies, including videos, written content, templates, and coaching frameworks, remain the exclusive property of the Company.

Clients are granted a personal, non-transferable license to use purchased materials for their own education and development.
Reproduction, resale, or public distribution without prior written consent is strictly prohibited.

Article 10: Limitation of Liability

The Company provides its products and services for educational and informational purposes only.
Results vary depending on each client’s effort, understanding, and personal situation.

J&B Brown Companies shall not be held liable for direct or indirect damages arising from the use or misuse of its materials, coaching, or advice.

Article 11: Applicable Law

These General Conditions of Sale and any related transactions are governed by the laws of the United States of America.

In case of disagreement or dispute, both parties agree to attempt an amicable resolution before initiating any legal proceedings.

Article 12: Company Information

J&B Brown Companies
Email: jamie@jamiemorganbrown.com
Registered in the United States
(Mailing Address: To be added once finalized)