Terms & Conditions

Last updated: December 1, 2025

These Terms and Conditions (“Terms”) govern your use of the website, digital products, and services offered by Greater Later Management & Consulting (“Greater Later,” “we,” “us,” or “our”). By accessing or using our website, purchasing our digital products, or engaging with our management and advisory-related services, you agree to be bound by these Terms.

If you do not agree with these Terms, you should not use our website or services.

1. Who We Are

Greater Later Management & Consulting provides management, advisory, professional development training, and related services, including self-guided digital programs, planners, templates, and journals designed to support personal and professional growth.

2. Eligibility

By using our website or purchasing our products or services, you confirm that:

You are at least 18 years old; and
You have the legal capacity to enter into a binding agreement; and
You will use our website and products in compliance with these Terms and all applicable laws and regulations.

3. Use of the Website

You agree to use our website for lawful purposes only and in a way that does not:

Violate any applicable law or regulation;
Infringe the rights of any third party;
Interfere with the operation or security of the website; or
Attempt to gain unauthorized access to any part of the website, systems, or data.

We reserve the right to suspend or terminate access to the website or any part of it at our discretion if we believe these Terms have been violated.

4. Digital Products and Programs

Greater Later offers digital products such as self-guided programs, planners, templates, journals, and other downloadable resources.

When you purchase a digital product:

You receive a non-exclusive, non-transferable license to use the product for your personal use only.
You may not share, resell, redistribute, or publicly display the digital product in any form without our written permission.
You are responsible for providing a valid email address and ensuring you can access the files after purchase.

All digital products are delivered electronically. No physical products are shipped unless clearly stated.

5. No Professional Legal, Financial, Medical, or Mental Health Advice

Although Greater Later provides management, advisory, and development-focused content, our products and services are for educational and informational purposes only.

Nothing on our website, in our programs, or in our digital materials should be understood as:

Legal advice
Financial advice
Medical advice
Mental health or therapy services

You are solely responsible for your decisions and actions. You should consult with a qualified professional (such as an attorney, financial advisor, medical professional, or licensed therapist) for advice specific to your situation.

6. Results Not Guaranteed

We do not guarantee any particular outcome, result, income, or transformation from using our website, products, or services. Your results depend on many factors, including your effort, decisions, consistency, and personal circumstances.

By using our materials, you acknowledge that:

Personal growth, discipline, habit change, and development take time and effort.
You are responsible for your own progress and results.
We are not liable for any perceived lack of results or outcomes.

7. Pricing, Payments, and Refunds

Prices for our products and services are listed on our website or sales pages and may change at any time at our discretion.

All payments must be made in full at the time of purchase, unless otherwise specified.
Payments are processed through third-party payment providers (such as Stripe, PayPal, Wix Payments, or similar). We do not store your full payment card information.
Due to the digital and instantly accessible nature of our products, all sales of digital products are typically final and non-refundable, unless otherwise stated on the specific product page or required by applicable law.

If we do offer a refund policy for a particular product or service, the details will be clearly stated on the corresponding sales page.

8. Intellectual Property

All content on our website and within our digital products, including but not limited to text, graphics, logos, images, designs, layouts, and downloadable materials, is owned by or licensed to Greater Later Management & Consulting and is protected by copyright, trademark, and other intellectual property laws.

You may not:

Copy, reproduce, distribute, modify, or create derivative works of our content or digital products;
Share login details, downloads, or files with others;
Use our content for commercial purposes without our prior written consent.

You are granted a limited license to use our materials for your personal, non-commercial use, in line with these Terms.

9. User Responsibilities

When you use our website or purchase our products or services, you agree that:

All information you provide is accurate and up to date.
You will not attempt to disrupt, damage, or interfere with the website or any related systems.
You will respect our intellectual property and not engage in unauthorized sharing or distribution of our materials.

10. Third-Party Links and Services

Our website or products may contain links to third-party websites, services, or resources. These are provided for convenience only.

We do not control and are not responsible for the content, policies, or practices of any third-party sites or services.
Any access to third-party sites is at your own risk and subject to their terms and privacy policies.

11. Disclaimers

To the fullest extent permitted by law:

Our website, products, and services are provided “as is” and “as available,” without warranties of any kind, whether express or implied.
We do not warrant that the website will be error-free, uninterrupted, secure, or free of viruses or other harmful components.
We make no warranties or representations regarding the accuracy, reliability, or completeness of any content.

12. Limitation of Liability

To the maximum extent permitted by law, Greater Later Management & Consulting and its owners, employees, contractors, or affiliates will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to:

Your use of or inability to use the website, products, or services;
Any decisions or actions you take based on information provided by us;
Any errors, omissions, or interruptions in our website or content.

If any liability is found despite the above, our total liability to you for any claim will not exceed the total amount you paid to us for the product or service giving rise to the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless Greater Later Management & Consulting and its owners, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use or misuse of the website, products, or services;
Your violation of these Terms;
Your violation of any rights of a third party.

14. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page.

Your continued use of the website, products, or services after changes are posted means you accept the revised Terms.

15. Governing Law

These Terms are governed by and interpreted in accordance with the laws of the state or country in which Greater Later Management & Consulting is based, without regard to its conflict-of-law principles.

Any disputes arising under or related to these Terms shall be resolved in the courts located in Nevada, unless otherwise required by law.

16. Contact Information

If you have any questions about these Terms and Conditions, you may contact us using the contact details provided on our website or by emailing the primary contact email associated with Greater Later Management & Consulting.