Welcome to www.leverage42.com, www.resourcerolodex.com, www.asktina.tips, go.ask-tina.co, and www.tips4mtina.com (collectively, the “Site”), operated by Tips4mTina® (“Company,” “we,” “our,” or “us”).

These Terms and Conditions (“Agreement”) govern your access to and use of the Site, digital products, consulting services, memberships, AI-enabled tools, programs, and related services (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by this Agreement. If you do not agree, you may not use the Services.

You must be at least 18 years old to use the Services.

1. Governing Policies

Your use of the Services is also governed by:

• Our Privacy Policy

• Our AI Policy

Both policies are incorporated into this Agreement by reference.

The Privacy Policy governs personal data handling.
The AI Policy governs how Artificial Intelligence tools are used within our Services.

Client-specific data processing is governed separately by a written Data Processing Agreement (DPA), where applicable.

2. Description of Services

We provide:

• Business and systems consulting

• AI strategy and implementation

• CustomGPT development and AI configuration

• Educational programs and courses

• Templates, prompts, frameworks, and downloads

• Subscription-based memberships

• AI-enabled tools and automations

We reserve the right to modify or discontinue Services at any time.

3. No Professional Advice

The Services are provided for informational and educational purposes only.

Nothing contained in the Services constitutes legal, financial, tax, medical, psychological, or other licensed professional advice.

You are solely responsible for consulting qualified professionals before making decisions based on information provided.

4. Artificial Intelligence Use

Certain Services incorporate Artificial Intelligence tools in accordance with our AI Policy.

By using AI-enabled Services, you acknowledge:

• AI-generated outputs may contain inaccuracies or incomplete information.

• AI operates probabilistically and is not guaranteed to be error-free.

• You are responsible for verifying outputs before reliance or implementation.

• AI-assisted materials do not constitute professional advice.

AI tools operate under human oversight and are not autonomous decision-makers.

5. No Guarantees

We make no representations or guarantees regarding business results, revenue, performance improvements, or other outcomes.

Results vary based on implementation, effort, external market factors, and circumstances beyond our control.

6. Accounts

If you create an account:

• You must provide accurate and current information.

• You are responsible for safeguarding login credentials.

• You are responsible for all activity under your account.

We may suspend or terminate accounts that violate this Agreement.

7. Payments and Billing

All payments are due at the time of purchase unless otherwise agreed in writing.

You authorize us to charge your selected payment method for all applicable fees.

You are responsible for all applicable taxes and transaction fees.

Subscriptions

Subscriptions renew automatically at the stated billing interval unless canceled prior to renewal.

You may cancel by emailing [email protected]. Cancellation applies to future billing cycles only. No prorated refunds are provided.

Chargebacks

Initiating a chargeback without first contacting us constitutes breach of this Agreement.

We reserve the right to:

• Dispute chargebacks

• Suspend or terminate access

• Recover associated fees and costs

8. Refund Policy

Unless explicitly stated in writing, all digital products, templates, consulting services, memberships, and downloadable materials are non-refundable.

All sales are final.

9. License to Use Digital Products

All materials provided are licensed, not sold.

You are granted a limited, non-exclusive, non-transferable, single-user license for personal or internal business use.

You may not:

• Share, resell, sublicense, or distribute materials

• Provide account access to third parties

• Use materials to create competing products

• Use materials to train, fine-tune, or develop AI systems for redistribution

• Remove proprietary notices

Violation may result in termination without refund.

10. Intellectual Property

All content, including text, graphics, branding, frameworks, AI prompts, GPT configurations, software, and materials, is owned by Tips4mTina® or its licensors and protected by intellectual property laws.

No ownership rights transfer to you.

11. User Content

You retain ownership of content you submit. By submitting content, you grant us a limited license to use it solely for providing the Services.

You may not submit content that:

• Infringes intellectual property rights

• Violates privacy laws

• Is unlawful, harmful, or deceptive

We may remove content at our discretion.

12. Acceptable Use

You agree not to:

• Reverse engineer Services

• Attempt prompt injection or exploit AI systems

• Upload unauthorized confidential third-party data

• Interfere with platform functionality

• Use scraping tools

• Build competing services using our materials

13. Third-Party Services

Services may integrate with third-party platforms, including payment processors, hosting providers, AI vendors, CRM systems, and analytics providers.

We are not responsible for third-party outages, policies, or actions.

14. Data Protection

Personal data handling is governed by our Privacy Policy.

Client engagements involving sensitive data are governed by a separate Data Processing Agreement (DPA).

In the event of conflict, the DPA governs data processing matters.

15. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WE DO NOT WARRANT THAT SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE PRIOR TWELVE (12) MONTHS.

17. Indemnification

You agree to indemnify and hold us harmless from claims arising from:

• Your use of the Services

• Your violation of this Agreement

• Your misuse of AI tools

• Your infringement of third-party rights

18. Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including internet outages, AI platform disruptions, natural disasters, governmental actions, or technical failures.

19. Termination

We may suspend or terminate access at any time for violation of this Agreement.

Upon termination:

• Access ceases immediately

• No refunds are issued

• Surviving clauses remain in effect

20. Dispute Resolution and Arbitration

This Agreement is governed by the laws of the State of Maryland.

Any dispute shall be resolved through binding arbitration administered by JAMS in Anne Arundel County, Maryland.

Claims must be brought individually and not as part of any class action.

If arbitration is deemed unenforceable, disputes shall be resolved exclusively in state or federal courts in Anne Arundel County, Maryland.

21. Changes to Terms

We may update these Terms from time to time.

Material changes will be reflected by updating the Effective Date above.

Continued use of the Services constitutes acceptance of revised Terms.

Prior versions may be retained for reference.

22. Contact Information

Tips4mTina®
Email: [email protected]

Copyright © 2017–2026 Tips4mTina® and affiliated brands. All rights reserved.

Effective Date: 22 FEB 2026

Last Updated: 03/01/2026