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Effective Date* June 29, 2026

Welcome to Marienna Mercedes | The Wealth Creatrix ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of [www.mariennamercedes.com](http://www.mariennamercedes.com)**, **https://stan.store/thewealthcreatrix, and all products, services, digital content, coaching, consulting, memberships, courses, communities, downloads, workshops, and programs offered by Marienna Mercedes.

By accessing our websites, purchasing any product or service, or participating in any program, you acknowledge that you have read, understood, and agree to these Terms.

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# 1. Eligibility

You must be at least 18 years of age to purchase or participate in our products or services.

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# 2. Services

Our products and services may include, but are not limited to:

* Digital Courses
* Business Consulting
* Revenue Strategy
* Revenue Systems Partner Training
* AI & Automation Training
* Coaching & Mentorship
* Group Programs
* Memberships
* Workshops
* Masterclasses
* Templates
* Downloads
* Digital Resources
* Live Events
* Community Access

We reserve the right to modify, discontinue, or update any offering at any time.

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# 3. No Guarantees

We provide educational, consulting, and business strategy services designed to help you improve your business knowledge and skills.

However, **we make absolutely no guarantees regarding your results.**

Every business is different. Your success depends on numerous factors including, but not limited to:

* Your effort
* Your experience
* Your consistency
* Market conditions
* Your implementation
* Your financial situation
* External circumstances beyond our control

We do not guarantee:

* Income
* Revenue
* Profit
* Clients
* Business success
* Funding
* Contracts
* Partnerships
* Sales
* Business growth
* Employment
* Certifications leading to employment

Any testimonials, case studies, examples, or income statements are provided for illustrative purposes only and should not be interpreted as promises or guarantees of future results.

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# 4. Educational Purposes Only

All information provided through our websites, coaching, consulting, digital products, videos, emails, trainings, and communities is intended for educational and informational purposes only.

You are solely responsible for your own business decisions.

Nothing provided should be considered legal, financial, tax, accounting, investment, medical, or professional advice.

You should consult qualified professionals before making business, financial, legal, or tax decisions.

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# 5. No Refund Policy

Due to the immediate delivery of digital products and the nature of our intellectual property:

## ALL SALES ARE FINAL.

We maintain a strict **No Refund Policy**.

This includes, but is not limited to:

* Digital Courses
* Coaching
* Consulting
* Mentorship
* Memberships
* Workshops
* Templates
* Downloads
* Digital Products
* Programs
* Live Trainings
* Communities

Once access has been granted to any digital content, course portal, downloadable materials, recordings, or membership area, **no refunds, cancellations, chargebacks, or credits will be issued for any reason.**

By purchasing, you acknowledge and agree to this policy.

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# 6. Payment Terms

You agree to provide accurate payment information.

If enrolled in a payment plan:

* You authorize all scheduled payments.
* Missed payments may result in immediate suspension of access.
* You remain responsible for the full balance owed unless otherwise agreed in writing.

Failure to complete payment does not cancel your financial obligation.

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# 7. Intellectual Property

All content created by Marienna Mercedes is protected by copyright and intellectual property laws.

This includes:

* Courses
* Videos
* Templates
* Workbooks
* Frameworks
* Graphics
* Logos
* Documents
* PDFs
* Downloads
* Emails
* AI prompts
* Training materials
* Website content

Purchasing a product grants you a limited, non-transferable license for personal use only.

You may not:

* Copy
* Sell
* Share
* Reproduce
* Redistribute
* Upload
* Teach
* License
* Publish
* Modify
* Claim ownership of our content

without written permission.

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# 8. Community Conduct

If you participate in any community, membership, coaching group, or online platform, you agree to:

* Treat others respectfully.
* Refrain from harassment, discrimination, or abusive conduct.
* Not spam members.
* Not solicit clients without permission.
* Not share confidential information belonging to other members.

We reserve the right to remove anyone from our communities at our sole discretion without refund.

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# 9. Confidentiality

You agree not to disclose confidential information shared within coaching sessions, communities, mastermind groups, or programs.

Likewise, while we strive to respect your privacy, you acknowledge that group programs involve other participants and absolute confidentiality cannot be guaranteed.

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# 10. User Responsibility

You are solely responsible for:

* Your business
* Your financial decisions
* Your implementation
* Your marketing
* Your compliance with applicable laws
* Your results

You assume all risks associated with implementing information obtained through our services.

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# 11. Limitation of Liability

To the fullest extent permitted by law, Marienna Mercedes, The Wealth Creatrix, its affiliates, contractors, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:

* Use of our websites
* Digital products
* Coaching
* Consulting
* Business decisions
* Lost revenue
* Lost profits
* Business interruption
* Data loss
* Technology failures

Your sole remedy is to discontinue using our services.

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# 12. Third-Party Services

Our websites may contain links to third-party websites, software, platforms, or resources.

We are not responsible for the content, privacy practices, products, or services of third parties.

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# 13. Website Availability

We strive to maintain uninterrupted access but cannot guarantee our websites, platforms, downloads, or communities will always be available.

Temporary interruptions may occur due to maintenance, software updates, hosting issues, or circumstances beyond our control.

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# 14. Changes to Terms

We reserve the right to modify these Terms at any time.

Updated versions will be posted on our websites with a revised Effective Date.

Continued use of our services constitutes acceptance of any revised Terms.

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# 15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Any disputes arising under these Terms shall be resolved in the appropriate state or federal courts located in Florida.

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# 16. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

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# 17. Entire Agreement

These Terms constitute the entire agreement between you and Marienna Mercedes regarding your use of our websites, products, and services and supersede all prior communications or agreements.

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# 18. Contact Information

For questions regarding these Terms or customer support, please contact:

**Marienna Mercedes | The Wealth Creatrix**

Customer Support

**Email:** [mjthewealthcreatrix@gmail.com](mailto:mjthewealthcreatrix@gmail.com)

**Website:** [www.mariennamercedes.com](http://www.mariennamercedes.com)

By purchasing any product or service or using our websites, you acknowledge that you have read, understood, and agree to these Terms of Service.