The H.M.O. Terms & Conditions
Effective Date: November 12, 2025
Last Updated: September 8, 2026
These Terms & Conditions ("Terms") govern your access to and use of halalmoneyonline.com and all workshops, courses, coaching, communities, digital materials, implementation services, offers, and related services provided by Halal Money Online ("HMO," "we," "us," or "our"). By accessing the website, creating an account, submitting an order, or participating in a program, you agree to these Terms and our Privacy Policy. If you do not agree, do not use or purchase the services.
1. Eligibility and Account Responsibility
You must be at least 18 years old and legally capable of entering a binding agreement. You agree to provide accurate information, protect your login credentials, and promptly notify us of unauthorized account use. You are responsible for activity conducted through your account. Access is personal to the purchaser and may not be shared.
2. Educational and Business-Building Services
HMO provides education, coaching, community support, and, where purchased, implementation assistance. HMO does not provide legal, tax, accounting, investment, employment, or financial advice through its programs. You remain responsible for your business decisions, claims, compliance, contracts, taxes, licensing, customer service, and results. You should consult qualified professionals when appropriate.
3. No Earnings Promise
The phrase "$10K," examples, testimonials, case studies, projections, and discussions of potential revenue describe goals or individual experiences, not a promise that you will earn any amount. Results vary and depend on factors including your offer, pricing, experience, market, effort, implementation, sales activity, and circumstances. HMO does not guarantee revenue, profit, clients, financing approval, business viability, or any particular outcome except for the limited support commitment expressly stated in Section 6.
4. Orders, Pricing, and Payment Plans
Prices, deliverables, and payment options are those displayed or agreed to at purchase. You authorize HMO and its payment providers to charge the selected payment method according to your order. A payment plan is a commitment to pay the full purchase price, not a cancel-anytime subscription. Loss of access, nonparticipation, or failure to use the services does not cancel remaining installments.
When The HMO $10K Business Build is offered under its two-payment delivery structure, the total enrollment price is $3,000. The first $1,500 payment is due at enrollment and begins onboarding and the business-build process. The remaining $1,500 Business Delivery Balance becomes due when HMO notifies the client that the agreed business build is complete and ready for final review and delivery. HMO may withhold final delivery, transfer of completed assets, or the Delivery and Launch Call until the balance is paid. Any Klarna or Afterpay option used for either payment is a separate arrangement between the purchaser and the payment provider.
If a payment is late, declined, disputed, or reversed, HMO may suspend access, pause services, withhold deliverables, and pursue amounts lawfully due. You agree to contact us first at [email protected] to attempt to resolve billing concerns. Third-party financing, including Klarna or Afterpay when available, is governed by the provider's separate terms, eligibility rules, and repayment obligations. HMO does not control financing approval or provider decisions.
5. Refunds and Cancellations
Unless a checkout page, written order form, or these Terms expressly state otherwise, purchases are final and nonrefundable because access to digital content, intellectual property, coaching capacity, community resources, or implementation work begins promptly. Failure to attend calls, complete work, use access, or obtain desired results does not create a right to a refund. Any mandatory rights that cannot lawfully be waived remain unaffected.
Rescheduling, cancellation, expiration, and no-show rules for coaching or implementation appointments may be stated in the applicable booking notice, offer, or service agreement and are incorporated into these Terms.
6. HMO Launch-Ready Guarantee
The HMO Launch-Ready Guarantee is a limited continued-completion commitment available only when it is expressly included with The HMO $10K Business Build at the time of purchase. It is not a promise of earnings and is not a money-back guarantee.
To remain eligible, a client must:
- Complete the required intake and provide complete and accurate information;
- Attend scheduled calls and participate in the agreed process;
- Provide timely decisions, feedback, and approvals;
- Submit requested content, recordings, assets, and other materials by the agreed deadlines;
- Remain current on all payment obligations; and
- Comply with these Terms and reasonable program instructions.
The 30-day build period begins after the client approves the Business Blueprint and HMO delivers the applicable scripts and outlines. If, by the end of the 60-day private mentorship period, the approved business is not fully built, connected, tested, and ready to launch because HMO failed to complete the agreed scope, HMO will continue working with the client inside the Private HMO Strategy Room at no additional cost until the agreed system is launch-ready.
The sole remedy under this guarantee is the continued completion work described above. The guarantee does not require a refund, reimbursement of business expenses, payment of lost profits, or payment of any actual or expected revenue. Client delays, missing or incomplete content, late approvals, missed calls, payment default, changes to the approved scope, third-party platform issues, or circumstances outside HMO's reasonable control may pause or extend the timeline.
7. HMO $10K Business Build and Custom Services
The HMO $10K Business Build and other custom services are governed by the applicable checkout or order, the approved Business Blueprint, and any separate written service agreement. Depending on the agreed scope, HMO may provide strategy, copy, brand direction, scripts and outlines, and implementation inside Kajabi, including pages, products, offers, checkout flows, email campaigns, communities, delivery systems, and automations.
The client is responsible for providing expertise, complete and accurate intake information, required content, recordings, assets, account access, timely approvals, payments, and feedback. Unless expressly included in writing, HMO does not provide unlimited revisions, video editing, ongoing social media content, paid advertising, sales closing, legal review, indefinite technical management, or guaranteed revenue results. Timelines may be extended by client delay, changes in scope, or third-party platform issues.
The client retains ownership of original client materials. HMO retains ownership of its preexisting tools, frameworks, templates, processes, know-how, and reusable components. Rights in custom deliverables, if any, are controlled by the applicable written agreement and are subject to full payment.
8. Program Access and Changes
Access duration and included services are stated in the applicable offer. "Lifetime access," if expressly offered, means access for the commercially reasonable life of that product while HMO continues to operate and host it on the applicable platform, not the purchaser's lifetime or a promise of perpetual hosting. HMO may update, improve, replace, reschedule, or discontinue features, platforms, instructors, community spaces, or live sessions when reasonably necessary, provided the core value of a paid offer is not materially reduced without an appropriate substitute or remedy required by law.
9. Intellectual Property and Limited License
All HMO videos, recordings, text, prompts, worksheets, PDFs, designs, systems, frameworks, trademarks, and other materials are owned by or licensed to HMO and protected by law. Upon payment, you receive a limited, personal, nonexclusive, nontransferable, revocable license to use purchased materials for your own learning and internal business development.
You may not copy, record, reproduce, publish, upload, sell, sublicense, share logins, distribute materials, train an artificial intelligence system on protected HMO content, create competing products substantially derived from HMO materials, or use HMO trademarks without written permission. You may apply what you learn in your own business, but you may not repackage or teach HMO's proprietary materials as your own.
10. User Materials, Confidentiality, and Community Content
You retain ownership of materials you submit. You grant HMO a nonexclusive license to host, copy, process, display, and use those materials as reasonably necessary to deliver, support, improve, and secure the services. HMO will not publicly use your name, likeness, testimonial, or confidential business materials for advertising without permission, except that content you voluntarily post in a community may be visible to authorized members as indicated by the platform.
Group programs and communities are collaborative spaces. You agree not to copy, disclose, exploit, or distribute another participant's confidential or proprietary information. HMO cannot guarantee that other participants will maintain confidentiality, so do not share information you cannot safely disclose.
11. Conduct and Termination
You may not use HMO services for unlawful, fraudulent, abusive, harassing, discriminatory, infringing, deceptive, or disruptive activity; spam members; scrape data; introduce malicious code; impersonate others; or interfere with the services. HMO may remove content, suspend participation, or terminate access for a material or repeated violation, threats to safety or security, infringement, fraud, payment default, or conduct that materially harms HMO or the community. Where appropriate, HMO may provide notice and an opportunity to cure. Termination for your breach does not create a refund or cancel accrued payment obligations.
12. Third-Party Platforms and Links
Services may rely on Kajabi, payment and financing providers, video-conferencing, scheduling, messaging, automation, analytics, artificial intelligence, and other third-party tools. Those services are governed by their own terms and may change, experience outages, or discontinue features. HMO is not responsible for third-party acts, policies, availability, data loss, or decisions, but will use reasonable efforts to address material service disruptions within its control.
13. Disclaimers
To the fullest extent permitted by law, the website and services are provided "as is" and "as available." HMO disclaims implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement. HMO does not warrant uninterrupted access, error-free materials, platform availability, or that any strategy will be suitable for every participant. Nothing in these Terms excludes a warranty or right that applicable law does not permit us to exclude.
14. Limitation of Liability
To the fullest extent permitted by law, HMO and its owners, officers, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, opportunities, goodwill, or business interruption arising from the services. HMO's aggregate liability arising from a particular purchase or service will not exceed the amount you actually paid HMO for that purchase during the 12 months preceding the event giving rise to the claim.
These limitations do not apply to liability that cannot lawfully be limited, and they apply regardless of the theory of liability and even if a remedy fails of its essential purpose.
15. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless HMO and its owners, officers, employees, contractors, and affiliates from third-party claims, liabilities, damages, judgments, costs, and reasonable attorneys' fees arising from your business, offers, advertising, customers, user materials, unlawful conduct, infringement, or material breach of these Terms. This obligation does not apply to the extent a claim results from HMO's own unlawful conduct.
16. Governing Law and Disputes
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules. Before filing a claim, the parties agree to provide written notice describing the dispute and attempt in good faith to resolve it informally for at least 30 days. Unless applicable law requires otherwise, exclusive jurisdiction and venue for any unresolved dispute will lie in the state or federal courts serving Fulton County, Georgia, and each party consents to that jurisdiction and venue.
17. General Terms
Neither party is liable for delay caused by events beyond its reasonable control, except that payment obligations already due are not excused. You may not assign your rights under these Terms without HMO's written consent. HMO may assign these Terms in connection with a merger, sale, reorganization, or transfer of the business. If any provision is unenforceable, it will be modified to the minimum extent necessary and the remainder will remain effective. A waiver must be in writing and does not waive future enforcement. These Terms, the Privacy Policy, the applicable checkout or order form, and any signed service agreement form the entire agreement for the applicable services. If they conflict, a signed service agreement controls, followed by the checkout or order form, then these Terms.
18. Changes to These Terms
We may update these Terms prospectively by posting a revised version with a new "Last Updated" date. Changes will not retroactively alter material payment or guarantee terms for an existing purchase unless required by law or agreed in writing. Continued use after the effective date of revised Terms constitutes acceptance for future use.
19. Contact
Questions, notices, or billing concerns may be sent to [email protected].
Halal Money Online
Integrity. Proof. Barakah.
www.halalmoneyonline.com
