1. WHO WE ARE AND WHAT THIS COVERS
This website and our programs are owned and operated by YotaLabs Inc., a corporation organized under the laws of the State of Delaware, United States ("we," "us," "our," or the "Company").
Registered office (for legal notices and service of process): YotaLabs Inc., c/o A Registered Agent, Inc. 8 The Green, Suite A Dover, DE 19901 United States
Email: [email protected]
These Terms of Service ("Terms") govern your access to and use of:
the websites jesusmba.org, demfresh.com, and any other website, subdomain, funnel, or landing page we operate (each, a "Site");
the Bible Business School™ program, the Jesus MBA™ program, the F.A.S.T. Challenge™, the R.U.L.E. of Finance workshop, the Kingdom Builders community, and any other course, workshop, challenge, membership, coaching, event, download, or digital product we offer (each, a "Program"); and
all videos, workbooks, checklists, templates, live sessions, replays, and communications we provide (together with the Sites and Programs, the "Services").
Bible Business School™, Jesus MBA™, F.A.S.T. Challenge™, Kingdom Builders, and R.U.L.E. of Finance are brands and trade names operated by YotaLabs Inc. They are not separate legal entities. Every obligation and right in these Terms belongs to YotaLabs Inc., and YotaLabs Inc. is the seller of record for every purchase.
2. YOUR AGREEMENT
By visiting a Site, creating an account, enrolling in a Program, joining a community, or clicking a box that references these Terms, you agree to be bound by them and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
If you accept these Terms on behalf of a company or other organization, you represent that you have authority to bind it, and "you" refers to both you and that organization.
3. DEFINITIONS
"Content" means all material we make available through the Services, including text, video, audio, images, graphics, logos, slide decks, workbooks, checklists, frameworks, prompts, templates, curricula, and software.
"Member Content" means anything you submit, post, upload, or transmit through the Services, including messages in a community, questions in a live session, testimonials, reviews, photographs, and your camera and microphone feed during a live session.
4. ELIGIBILITY AND AGE
You must be at least 18 years old to purchase a Program or create an account. Individuals aged 13 to 17 may use the Services only with the involvement and consent of a parent or legal guardian, who agrees to be bound by these Terms and is responsible for the minor's use.
The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will delete it. If you believe a child under 13 has provided us information, contact us at [email protected].
We may refuse service, close accounts, remove content, or cancel orders at our discretion, including where required by law or by economic sanctions.
5. ACCOUNTS AND SECURITY
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account, whether or not you authorized it. Notify us immediately at [email protected] if you suspect unauthorized use.
Accounts are personal and non-transferable. Sharing credentials, streaming a session for a group without a group license, or otherwise providing access to anyone who has not paid is a material breach of these Terms and grounds for immediate termination without refund.
6. WHAT YOU ARE BUYING
Each Program is described on its own sales page at the time of purchase. That description, together with these Terms, forms your agreement with us. In summary:
Bible Business School™ — a self-paced digital program including video sessions, a workbook, a checklist, and the daily reading method described on the sales page. Delivered instantly on payment.
F.A.S.T. Challenge™ — a live, cohort-based challenge delivered over the number of days stated on the sales page, with replay access as described in Section 12.
Jesus MBA™ — a higher-tier mentorship program governed by these Terms and by any separate program agreement you sign. If the two conflict, the separate program agreement controls for that Program.
Kingdom Builders — a community hosted on a third-party messaging platform, subject to Sections 13, 22, and 23.
Bonuses — any bonus described as included is provided at our discretion and may be substituted with an item of comparable or greater value.
Content changes. We continuously improve our Programs. We may update, reorder, replace, or retire modules, sessions, and bonuses. We do not guarantee that any specific module, bonus, session, guest, or feature will remain available.
7. NOT AN ACCREDITED INSTITUTION — NO DEGREE
YotaLabs Inc. is a for-profit educational and media company. Bible Business School is not a school, college, university, seminary, Bible college, or accredited academic institution. It does not grant degrees, academic credit, diplomas, certifications, or licenses recognized by any accrediting body, state agency, or government authority.
"Jesus MBA" is a brand name. It is not a Master of Business Administration, is not affiliated with any university or business school, and confers no academic degree or professional credential of any kind.
Words such as "school," "student," "enroll," "faculty," "session," "curriculum," and "graduate" are used informally in our marketing and do not indicate accreditation, licensure, or academic standing.
8. NOT A CHURCH, MINISTRY, OR TAX-EXEMPT ORGANIZATION
YotaLabs Inc. is a for-profit Delaware corporation. It is not a church, ministry, religious order, or organization exempt from federal income tax under Section 501(c)(3) of the Internal Revenue Code.
Where we describe our pricing as "ministry pricing" or say we treat our work as a calling, we are describing our motivation and our pricing philosophy. We are not describing our tax status, and no such statement should be read as a claim of tax-exempt status.
9. TAX TREATMENT OF YOUR PAYMENT
Payments to YotaLabs Inc. are payments for goods and services. They are not donations, tithes, offerings, gifts, or charitable contributions, and they are not deductible as charitable contributions under IRC § 170. We do not issue contribution acknowledgments, donation receipts, or Form 1098-series statements, and we will not characterize a purchase as a donation on request.
Whether a payment to us is deductible by you as an ordinary and necessary business expense under IRC § 162 depends entirely on your own facts and circumstances. Consult your own CPA, Enrolled Agent, or tax attorney.
Any tax information appearing anywhere in the Services is general in nature. It is not written or intended to be used, and cannot be used, by any person for the purpose of avoiding penalties under the Internal Revenue Code, and it is not a covered opinion, reliance opinion, or marketed opinion under IRS Circular 230.
You are solely responsible for reporting and paying tax on any income you earn, for your own bookkeeping and recordkeeping, for classifying your own workers, and for your own federal, state, local, and foreign tax compliance.
Sales and consumption taxes. Prices are shown in US Dollars and exclude applicable sales, use, VAT, GST, or similar taxes unless stated otherwise. Where we are required to collect such tax, it will be added at checkout. Where you are required to self-assess, that obligation is yours.
10. NO PROFESSIONAL ADVICE — NO PROFESSIONAL RELATIONSHIP
Everything in the Services is provided for general educational and informational purposes only.
Nothing in the Services constitutes investment, financial, securities, tax, legal, accounting, insurance, medical, psychological, psychiatric, or mental-health advice. We are not registered investment advisers, broker-dealers, certified public accountants, enrolled agents, attorneys, licensed therapists, or licensed medical professionals, and we do not hold ourselves out as any of these.
No fiduciary, advisory, attorney–client, accountant–client, therapist–patient, or agency relationship is created by your use of the Services, by attending a live session, by asking a question, or by receiving individualized feedback. Feedback given in a coaching call or community thread is one person's opinion based on limited information you supplied, not professional advice, and you remain solely responsible for verifying it and for every decision you make.
Always consult your own licensed professionals before acting on anything you learn through the Services.
11. RELIGIOUS AND SCRIPTURAL CONTENT
Our Programs teach business and career principles drawn from the Bible and reflect our sincerely held Christian convictions. This content is offered for encouragement, instruction, and education.
It is not pastoral counseling, spiritual direction, deliverance ministry, prophetic ministry, or a substitute for the care of your own pastor, church, or licensed counselor. We do not provide crisis support. If you are in emotional or psychological distress, please contact a licensed professional or, in an emergency in the United States, call or text 988 or dial 911.
Participation is voluntary and open to people of every faith and of no faith. We welcome participants regardless of religion, and we make no promise of any spiritual outcome, blessing, healing, financial increase, answered prayer, or divine favor. Prayer offered during a session is voluntary; you may decline to participate at any time without affecting your access.
Scripture is quoted for teaching purposes. Copyright notices for the translations we use appear in Section 28.4.
12. LIVE SESSIONS, RECORDING, AND REPLAYS
Recording consent. Live sessions are recorded. By joining a live session, you consent to being recorded — including your name, voice, image, chat messages, and anything you say or show on camera — and you grant us the license in Section 15 to use that recording. If you do not consent, keep your camera and microphone off, use a display name that does not identify you, and do not post in chat. Some states require the consent of all parties to a recording; your consent under this Section satisfies that requirement for you.
You may not record. You may not record, screen-capture, stream, transcribe, or otherwise capture any live session or replay by any means. Doing so is a material breach and grounds for immediate termination without refund, in addition to any other remedy available to us.
Replay availability. Replays of live F.A.S.T. Challenge sessions are available for 24 hours after each session unless a longer period is stated on the sales page for that cohort. Replays for self-paced Programs are available for the access period described in Section 20. Replays are provided as a convenience, are not guaranteed, and may be unavailable due to technical failure.
Scheduling. Dates, times, and guest appearances may change. If we cancel a live Program entirely and do not reschedule it, your remedy is as stated in Section 21.
13. COMMUNITY CONDUCT
Our communities — including Kingdom Builders and any WhatsApp, Slack, Discord, Facebook, Circle, or similar group we host — exist to help members build. When participating you agree not to:
sell, pitch, recruit, or solicit members, or promote any business opportunity, MLM, coin, token, fund, or investment;
share, resell, or summarize our paid Content outside the community;
give investment, tax, legal, or medical advice, or hold yourself out as licensed when you are not;
post anything unlawful, defamatory, harassing, hateful, sexually explicit, or discriminatory, or that targets any person on the basis of race, ethnicity, national origin, sex, disability, religion, or any other protected characteristic;
share another member's personal information, messages, or business details outside the community;
post malware, spam, chain messages, or automated content;
impersonate any person or misrepresent your affiliation with us; or
use any member's content, testimonial, or result in your own marketing.
We do not pre-screen Member Content and are not responsible for it. We may remove content and remove members at our discretion, with or without notice. Other members' statements are theirs alone and are not endorsed by us. Anything another member tells you about money, business, health, or faith is not our advice and we are not responsible for it.
14. YOUR LICENSE TO USE OUR CONTENT
Subject to your payment and compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Content of the Programs you have purchased, for your own use and for the internal use of the business you own or work in.
You may: watch, read, take notes, print workbook pages for your own use, and apply what you learn in your own business without paying us any royalty.
You may not:
copy, republish, upload, post, transmit, distribute, or publicly display the Content;
sell, rent, license, sublicense, share, or give away the Content or your access;
record, transcribe, or create derivative works, summaries, "cheat sheets," or study guides from the Content for distribution;
teach, coach, or deliver our frameworks, curricula, or materials as a paid or unpaid offering of your own, or present them as your own work;
use the Content to train, fine-tune, ground, or evaluate any machine-learning or artificial-intelligence model, or upload the Content to any AI service that retains or trains on submitted data;
scrape, crawl, data-mine, or use bots or automated tools on the Services;
frame the Services, or use our Marks in meta tags or hidden text; or
circumvent any access control, paywall, watermark, or usage limit.
Any breach automatically terminates this license.
15. YOUR CONTENT AND YOUR TESTIMONIALS
You keep ownership of your Member Content. You grant us a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, adapt, publish, publicly display, and distribute your Member Content for the purpose of operating, improving, and marketing the Services, in any media now known or later developed.
Marketing use and testimonials. This license includes the right to use your name, city, business name, likeness, voice, and results in our marketing — including on sales pages, in ads, and in social posts — where you have provided a testimonial, review, or recorded session appearance. You may withdraw consent for future marketing use at any time by emailing [email protected]; we will stop new uses within a commercially reasonable time but are not required to recall materials already printed, distributed, or placed with advertising platforms.
You promise that: you own or control the rights to your Member Content; it is accurate and not misleading; it does not infringe anyone's rights or violate any law; and any result or figure you state is true and is one you actually achieved.
We may, but need not, use your Member Content. We may remove or decline to use it at any time. We are not obligated to compensate you for it.
Feedback. If you send us suggestions or ideas for improving the Services, we may use them freely without obligation to you.
16. EARNINGS DISCLAIMER — NO GUARANTEE OF RESULTS
Results may vary, and results are not promised, projected, or guaranteed.
We do not believe in "get rich quick" programs. We believe in hard work, adding value, building a real and professional career, and serving others with excellence.
Any revenue figures, growth multiples, case studies, screenshots, testimonials, income examples, or success stories described anywhere in the Services — including the founder's own results — are illustrations of what has been possible for specific people in specific circumstances. They are not typical, not average, and not a representation that you or anyone else will achieve the same or similar results.
Dem Fresh is an experienced business owner and investor with many years of operating experience. His results are not representative of what a new participant should expect. References to particular companies, valuations, or well-known businesses are used to illustrate a principle and do not imply that any such company used our methods, endorses us, or is affiliated with us.
Your results will depend on your own education, effort, application, consistency, experience, background, offer, market, capital, timing, team, and many factors outside our control — as well as on ordinary business risk.
Because of the sensitivity of financial information, we do not track and do not know the typical results of our students. We cannot and do not guarantee that you will earn money, keep money, grow a business, or succeed by applying anything discussed, specifically or generally.
All business involves risk, including the risk of losing money. You alone are responsible for your decisions and your outcomes. If you are not willing to accept that, do not purchase.
17. TESTIMONIALS AND REVIEWS
Testimonials and reviews reflect the individual experience of the person giving them at the time given, and are not necessarily representative of what any other participant will experience. Testimonials shown may relate to programs, services, or coaching other than the Program you are purchasing, and are labeled where that is the case.
Where a person received free access, a discount, a gift, payment, or any other material benefit in connection with a testimonial, that connection is disclosed at or near the testimonial, consistent with the FTC's Endorsement Guides (16 C.F.R. Part 255).
We do not create, buy, incentivize, or suppress reviews. We do not publish reviews written by anyone who has not used the relevant Program, and we do not remove negative reviews solely because they are negative.
18. FORWARD-LOOKING STATEMENTS
Any statement about future performance, income, growth, or outcomes is a forward-looking statement that involves risks and uncertainties. Actual results may differ materially, and we undertake no obligation to update any such statement.
19. PRICING AND PAYMENT
Prices are shown in US Dollars and may change at any time. A price change does not affect a purchase already completed.
Reference prices. Where we display a struck-through or "regular" price, that price is a bona fide price at which the Program has been offered. Where we display a total "value" of included items, that figure represents our good-faith estimate of the standalone value of each item and is not a price at which every item has been separately sold.
Promotional deadlines. Where we advertise an early-bird price, a cohort closing date, or a limited-time offer, that deadline is real and the stated price or availability will change when it passes.
Payment. You authorize YotaLabs Inc. and our payment processors to charge your selected payment method for the full amount, including any applicable tax. You represent that you are authorized to use that payment method. Payments are processed by third parties — see Section 23. We do not store your full card number. The descriptor shown on your card statement may differ from the brand name of the Program you purchased; all charges are made by YotaLabs Inc.
Payment plans. If you purchase on a payment plan, you owe the full purchase price. Access may be suspended for a failed or late payment, and remaining installments become immediately due if you default.
Chargebacks. All sales are final (Section 21). If you believe you have been charged in error, contact us first at [email protected] — billing errors are corrected under Section 21.1. Initiating a chargeback instead of contacting us may result in immediate termination of access to all Programs. Filing a chargeback to reverse a completed, delivered purchase is a breach of these Terms, and we may respond with evidence of your acceptance of this Section and of your access to and use of the Content.
20. ACCESS PERIOD — WHAT "LIFETIME ACCESS" MEANS
Where we offer "lifetime access," "lifetime" means the lifetime of the Program, not your lifetime. It means we will provide access for as long as we continue to offer that Program in substantially its current form, subject to these Terms and to your account remaining in good standing.
We may retire a Program. If we permanently discontinue a Program to which you hold lifetime access, we will give you at least 30 days' notice to the email address on your account and a reasonable opportunity to download the materials you are permitted to keep. Retirement of a Program after it has been delivered to you does not entitle you to a refund (Section 21).
Access also ends if we terminate your account under Section 29.
21. ALL SALES ARE FINAL — NO REFUNDS
All sales are final. We do not offer refunds, returns, exchanges, credits, or cancellations once a purchase is complete.
Our Programs deliver digital content and access immediately or on the scheduled start date. Because that content cannot be returned once delivered, and because your access cannot be un-given, you agree that your purchase is non-refundable in whole and in part, including where you:
change your mind, or decide the Program is not what you expected;
do not have time to complete the Program, or do not complete it;
do not achieve the results you hoped for (see Section 16);
lose access because we terminated your account for breach under Section 29; or
purchased on a payment plan and stop paying — the full purchase price remains due.
By completing your purchase you acknowledge that you have read this Section, that you are buying digital content delivered immediately, and that you are giving up any right you might otherwise have to cancel or obtain a refund.
21.1 The narrow exceptions
We will issue a refund only in these circumstances:
Billing errors. You were charged more than once for the same purchase, charged after cancelling under Section 22, or charged an amount other than the advertised price. Contact us and we will correct it.
We fail to deliver. If we cancel a live Program and do not reschedule it, or we fail to provide access to a Program you paid for and cannot resolve the problem within a reasonable time, you may choose a seat in the next equivalent cohort or a refund of the amount paid for that Program.
Unauthorized charges. A charge was made without the cardholder's authorization.
Where the law requires it. See Section 21.3.
Approved refunds are issued to the original payment method within 10 business days. Your access ends when the refund is issued and you must delete all downloaded materials.
21.2 Discretionary goodwill
Nothing above prevents us from issuing a refund voluntarily in an individual case. Any refund we choose to give is a one-time act of goodwill at our sole discretion, is not an admission of any obligation, and does not create a policy, precedent, or entitlement for you or anyone else.
21.3 Rights you keep regardless
Some jurisdictions grant consumers cancellation or refund rights that cannot be waived by contract. Nothing in these Terms limits or removes any such right where it applies to you.
In particular, if you are a consumer in the European Union or the United Kingdom, you normally have a 14-day right to withdraw from a purchase of digital content. That right is lost once supply of the digital content begins with your express consent and your acknowledgment that you thereby lose the right of withdrawal. By purchasing and requesting immediate access, you give that consent and make that acknowledgment. If you do not wish to give it, do not purchase.
21.4 Before you dispute a charge
If something has gone wrong, email [email protected] first. Most issues — access problems, duplicate charges, wrong amounts — are fixed the same day. See Section 19 on chargebacks.
22. RENEWING SUBSCRIPTIONS AND FREE TRIALS
Where a Program includes a recurring charge or a free or discounted introductory period that converts to a paid one, then before you are charged we will clearly disclose the recurring amount, the billing frequency, the date the first charge occurs, and how to cancel; and we will obtain your express affirmative consent to those terms separately from your other purchase.
Automatic renewal. Your subscription renews automatically for successive monthly periods at the then-current rate until you cancel.
How to cancel. You may cancel at any time by emailing [email protected], or through the cancellation link in your account or billing confirmation email. Cancellation takes effect at the end of the current billing period. You keep access until then. We do not prorate partial periods except where required by law.
Reminders. Where required by law, we will send you a renewal reminder before charging you.
These practices are intended to comply with the federal Restore Online Shoppers' Confidence Act (ROSCA) and state automatic-renewal laws, including those of California and New York.
23. THIRD-PARTY SERVICES, PLATFORMS, AND LINKS
The Services depend on third parties, including payment processors, video conferencing and hosting providers, email and CRM platforms, and messaging platforms such as WhatsApp. Your use of those platforms is governed by their terms and privacy policies, not ours. We do not control them and are not responsible for their availability, security, data practices, or actions, including if a platform suspends or removes a group, loses messages, or changes its rules.
Where a Program suggests using an AI tool, that tool is a third-party product you use at your own risk and under its own terms. Do not enter confidential, personal, or client information into any AI tool without confirming its data-handling terms.
Links to third-party sites are provided for convenience. We do not endorse and are not responsible for their content, products, or practices.
24. THIRD-PARTY TRADEMARKS — NO ENDORSEMENT OR AFFILIATION
This Site and our Programs are not part of, endorsed by, sponsored by, administered by, or affiliated with: Meta Platforms, Inc. (Facebook™, Instagram™, WhatsApp™, Threads™); Google LLC (Google™, YouTube™); TikTok Ltd.; X Corp.; LinkedIn Corporation; Apple Inc.; Amazon.com, Inc.; Stripe, Inc.; Airbnb, Inc.; Nasdaq, Inc.; or any university, business school, accrediting body, church, denomination, or government agency.
Where we name a company, executive, author, speaker, or public figure, we do so descriptively — to illustrate a business principle or to credit an idea. No such reference implies endorsement of us by that person or company, or any partnership, sponsorship, or affiliation with them.
All third-party trademarks are the property of their respective owners and are used for identification purposes only.
25. DISCLAIMER OF WARRANTIES
THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOTALABS INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE SERVICES ARE FREE OF VIRUSES OR HARMFUL COMPONENTS; OR THAT THE CONTENT IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE.
WE MAKE NO WARRANTY AS TO ANY RESULT, OUTCOME, INCOME, GROWTH, OR BENEFIT — FINANCIAL, PROFESSIONAL, PERSONAL, OR SPIRITUAL — FROM YOUR USE OF THE SERVICES.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you, and you may have additional rights.
26. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER YOTALABS INC. NOR ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, COACHES, GUEST SPEAKERS, AGENTS, LICENSORS, OR SUPPLIERS (THE "COMPANY PARTIES") WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST OPPORTUNITY, LOST GOODWILL, OR LOST OR CORRUPTED DATA, ARISING OUT OF OR RELATING TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU ACTUALLY PAID YOTALABS INC. IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).
Force majeure. No Company Party is liable for any delay or failure caused by events beyond our reasonable control, including acts of God, natural disaster, war, terrorism, civil unrest, epidemic, labor dispute, government action, utility or internet failure, platform outage, or third-party non-performance.
These limitations apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so parts of this Section may not apply to you.
27. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless the Company Parties from any claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your breach of these Terms; (b) your Member Content; (c) your use of the Services; (d) your business decisions, products, services, marketing, tax filings, or employment practices; or (e) your violation of any law or of any third party's rights.
We may assume exclusive defense and control of any matter subject to indemnification by you, at your expense, and you agree to cooperate.
28. INTELLECTUAL PROPERTY
28.1 Ownership. All Content is owned by YotaLabs Inc. or its licensors and is protected by United States and international copyright, trademark, and other laws. Except for the limited license in Section 14, no rights are granted to you.
28.2 Marks. Bible Business School™, Jesus MBA™, F.A.S.T. Challenge™, Kingdom Builders, R.U.L.E. of Finance, and our logos and slogans are trademarks or trade names of YotaLabs Inc. You may not use them without our prior written consent, including in domain names, handles, ads, keywords, or in any way likely to cause confusion or to suggest affiliation.
28.3 Copyright complaints (DMCA). If you believe material on the Services infringes your copyright, send our designated agent a notice containing: your physical or electronic signature; identification of the copyrighted work; identification of the material claimed to be infringing and where it is located; your address, telephone number, and email; a statement that you have a good-faith belief the use is not authorized; and a statement, under penalty of perjury, that the information is accurate and that you are the owner or authorized to act on the owner's behalf.
Designated Copyright Agent: Copyright Agent, YotaLabs Inc. c/o A Registered Agent, Inc., 8 The Green, Suite A, Dover, DE 19901, United States [email protected]
We terminate repeat infringers in appropriate circumstances.
28.4 Scripture copyright notices. Scripture quotations are used as follows:
KJV — King James Version. Public domain in the United States. (Rights in the United Kingdom are vested in the Crown; reproduce with care for UK audiences.)
NASB — New American Standard Bible®, copyright The Lockman Foundation. Used by permission.
AMPC — Amplified® Bible, Classic Edition, copyright The Lockman Foundation. Used by permission.
29. TERMINATION
By you: stop using the Services and, if you have a subscription, cancel under Section 22.
By us: we may suspend or terminate your access at any time, with or without notice, for breach of these Terms, for conduct harmful to other members or to us, for non-payment or chargeback, or where required by law.
Effect. On termination, your license under Section 14 ends immediately and you must stop using and delete all Content. Termination for breach does not entitle you to a refund. Sections 9, 14 (restrictions), 15, 16, 17, 24–28, 30, and 31 survive termination.
30. DISPUTE RESOLUTION — ARBITRATION AND CLASS WAIVER
30.1 Informal resolution first. Before filing anything, you agree to email [email protected] with a description of the dispute and the relief you seek, and to allow 30 days for good-faith resolution.
30.2 Governing law. These Terms and any dispute are governed by the laws of the State of Delaware and the United States, without regard to conflict-of-laws principles. The UN Convention on Contracts for the International Sale of Goods does not apply.
30.3 Arbitration. Except as stated below, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before one arbitrator. The Federal Arbitration Act governs. Any in-person hearing will take place in the county of your residence or another mutually agreed location, as provided by those Rules; the arbitrator may also decide the matter on documents or by videoconference. Judgment on the award may be entered in any court of competent jurisdiction.
30.4 Class action waiver. YOU AND YOTALABS INC. EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is found unenforceable as to a claim, that claim proceeds in court and the rest of this Section still applies.
30.5 Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.
30.6 Your right to opt out. You may opt out of arbitration and the class waiver by emailing [email protected] within 30 days of first accepting these Terms, stating your name, the email used to purchase, and that you opt out of arbitration. Opting out does not affect any other part of these Terms and will not affect your access.
30.7 Costs. Filing, administrative, and arbitrator fees are allocated according to the AAA Consumer Arbitration Rules, which require YotaLabs Inc. to bear the majority of those fees in consumer disputes. Each party otherwise bears its own attorneys' fees unless the arbitrator awards them under applicable law.
31. GENERAL
31.1 Changes. We may modify these Terms at any time. The "Last Updated" date will change, and material changes will be notified by email to registered users and by a notice on the Site. Continued use after the effective date constitutes acceptance. Changes do not apply retroactively to a dispute already arising.
31.2 Electronic communications. You consent to receive communications from us electronically and agree that electronic notices satisfy any legal requirement of writing. If you provide a phone number, you consent to receive service-related messages; marketing calls or texts, if any, require your separate express written consent and you may revoke it at any time by replying STOP. Message and data rates may apply.
31.3 Notices to us. Legal notices must be sent to YotaLabs Inc., c/o A Registered Agent, Inc., 8 The Green, Suite A, Dover, DE 19901, United States, with a copy by email to [email protected].
31.4 No partnership. Nothing creates a partnership, joint venture, franchise, employment, or agency relationship between you and YotaLabs Inc.
31.5 Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.
31.6 Severability. If any provision is unenforceable, it is modified to the minimum extent necessary or severed, and the rest remains in effect.
31.7 No waiver. Our failure to enforce any provision is not a waiver of it.
31.8 Export and sanctions. You represent that you are not located in, or a national of, any country subject to US embargo, and that you are not on any US government restricted-party list.
31.9 Entire agreement. These Terms, the Privacy Policy, and any Program-specific agreement are the entire agreement between you and YotaLabs Inc. regarding the Services and supersede all prior agreements on the subject.
31.10 Language. These Terms are drafted in English. Any translation is for convenience; the English version controls.
32. CONTACT
YotaLabs Inc. c/o A Registered Agent, Inc. 8 The Green, Suite A, Dover, DE 19901 United States
Email: [email protected]
This address is our registered office for legal notices and service of process. For all customer matters — billing, refunds, access, privacy requests, copyright notices, and arbitration opt-outs under Section 30.6 — email [email protected], which is the fastest route and the one we monitor.
© 2026 YotaLabs Inc. All rights reserved. Bible Business School™, Jesus MBA™, F.A.S.T. Challenge™, Kingdom Builders, and R.U.L.E. of Finance are trademarks or trade names of YotaLabs Inc.