By using our services, you agree to adhere to the terms and conditions outlined in this document. These terms are designed to ensure a fair, transparent, and secure experience for all users. You are responsible for the accuracy of the information you provide and for maintaining the confidentiality of your account. We reserve the right to update these terms as needed to reflect changes in our services or policies.

Effective Date: August 22, 2025

Welcome to Carolina Business Institute (“Company,” “we,” “our,” or “us”), a service of DNL Coaching and Creative, LLC. By accessing or using our website, events, or online materials, you agree to the following Terms of Use. Please read carefully.

1. General Use

This website and any services, classes, workshops, or resources offered are provided for educational and informational purposes only. By using this website or registering for events, you agree to comply with all applicable laws and these Terms of Use.

2. Event Registration & Refund Policy

• All ticket purchases are fully refundable up to seven (7) days before the event date.

• No refunds will be issued after that time.

• If you cannot attend, you may request to transfer your ticket to another eligible participant (subject to our approval).

3. Access to Supplemental Learning

For certain events, supplemental online learning materials may be provided. Unless otherwise stated, access to these resources is granted for up to six (6) months following the event date.

4. No Professional Advice

The information contained on this website and any resources provided are not intended as, and shall not be understood or construed as, professional advice.

While our team may be professionals in their respective fields, nothing on this website or in our resources should replace consultation with a qualified professional who is aware of the specific facts of your situation.

We make every effort to ensure accuracy and value, but you agree that:

• Nothing provided constitutes professional advice.

• You remain solely responsible for seeking professional guidance where appropriate.

• Neither the Company nor its owners, employees, or contractors shall be held liable for errors, omissions, or reliance on the information provided.

5. No Guarantees

Your success depends entirely on your own effort, motivation, commitment, and follow-through.

We cannot predict or guarantee any particular outcome or result. Results differ for each individual and depend on numerous factors, including background, dedication, actions, and external circumstances.

By using our website, attending events, or purchasing our products, you agree and understand that:

• We make no promises or warranties concerning results, performance, earnings, profits, or outcomes of any kind.

• Any business endeavor carries inherent risks, including loss of capital or clients.

• You assume full responsibility for such risks.

6. Earnings Disclaimer

Any earnings or income examples presented through our website, events, or resources are illustrative only and do not represent typical or guaranteed outcomes.

You agree that:

• We are not responsible for your earnings, financial results, or success/failure of your decisions.

• You are solely responsible for applying the information provided and for the results of your own actions.

7. Intellectual Property

All content on this website, including text, images, videos, materials, and logos, are the property of DNL Coaching and Creative, LLC, unless otherwise credited. You may not copy, reproduce, or distribute materials without prior written permission.

8. Limitation of Liability

To the maximum extent permitted by law, we disclaim liability for any damages, losses, or claims arising from your use of our website, events, or resources.

9. External Links

Our website may include links to third-party sites. We are not responsible for their content, accuracy, or practices.

10. Modifications

We may update these Terms of Use at any time. Updates will be posted with the revised effective date. Your continued use of our site or services indicates your acceptance of any changes.

11. Arbitration & Dispute Resolution

You agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use, your use of our website, or participation in our events or services shall be resolved through binding arbitration conducted in Greenville County, South Carolina.

• Arbitration shall be administered by the American Arbitration Association (AAA) or another mutually agreed provider.

• Each party will bear its own costs and attorney’s fees, unless otherwise determined by the arbitrator.

• You waive your right to participate in a class action, collective action, or jury trial.

This agreement to arbitrate is intended to be broadly interpreted and to cover all disputes between you and the Company.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to conflict of law principles.

13. Contact Us

For questions about these Terms, contact:

Carolina Business Institute (a service of DNL Coaching and Creative, LLC)
Greenville, South Carolina

CBI@CarolinaBusinessInstitute.com