Terms and Conditions

This is an agreement ("Agreement") between Ethos 360 ("we", "us", "Ebapro Inc." or "www.Ethos360.com" or “Company”) and you, an end user ("you", “Client”, “customer” or "user") of Ethos 360 Services (the "Service") as described herein. By establishing, activating, using, or paying for the Service, you acknowledge that you have read and understood these terms, you agree to the terms and conditions in this Agreement, and you represent that you are of legal age to enter this Agreement and become bound by its terms and to the prices, charges, and conditions provided to you in association with your enrollment as a Client, including marketing materials and the Company website, which are incorporated herein by reference. This Agreement governs the Service - such as Coaching, Business Consulting, Business Development, Ethos 360 BizCred Builder Program, Ethos 360 Business Plan Service, Investor Relations, Public Relations, Website Design, Capital Raising, Logo Design, Incorporation Services, Ethos 360 Private Placement Memorandum Service, Investor Search Services, or Marketing - website, or software used in conjunction with the Service.

1. You agree to the terms and conditions outlined in this Terms and Conditions ("Agreement") with respect to our site (the "Site"). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understands with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. Any changes made to this agreement will be posted on our website or emailed to you within three business days of any changes.
2. The moment your order is placed, our staff will immediately start setting up your account and your consultant will act as your primary contact person. The staff will start researching your project and working on your account. For this reason all orders are non-refundable and we do not have a cancellation policy. For program purchases, if a chargeback or refund is requested after documented work and or consulting dialogue has begun, you will be billed an hourly rate for these services at $300 per hour. If a draft of a business plan has been delivered and final payment is disputed, the company reserves the right to bill hourly consulting fees and/or writing fees at 30 cents per word drafted. Any chargeback or payment dispute in association with services that have been purchased through Company will be sent to collections that may negatively affect your credit. Once Company is notified of a chargeback, we will notify you via email and postal mail, this notification will provide you with 30 days to resolve this matter, if payment is not received in full within 30 days, Company reserves the right to send your account to a collections agency of our choice. A chargeback fee of $99 will be applied to your account upon notification of a chargeback.
3. If a client provides the company with inaccurate information before or during the consultative process, it is the client's responsibility to correct the error before any further action is taken to progress with the program(s). Ethos 360/Ebapro Inc. is not responsible to provide services that are not paid for. Service rendered will be based and substantiated on the Service Agreement and/or invoice sent to the client. Chargebacks or refunds based on claims of services not purchased or substantiated by the above means will be construed as fraudulent chargebacks and theft of intellectual information.
4. The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the site, except as allowed by Company, is strictly prohibited.
5. Our Site may contain links to other Web sites. We are not responsible for the content; accuracy or opinions expressed in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked Web site on our Site does not imply approval or endorsement of the linked Web site by us. If you decide to leave our Site and access a third-party site, you do so at your own risk.
6. Certain sections of, or offerings from, the Site may require you to register. If registration is requested, you agree to provide us with accurate, complete registration information. Your registration must be done using your real name and accurate information. We do not permit (a) any other person using the registered sections under your name; or (b) access through a single name being made available to multiple users on our network. You are responsible for preventing such unauthorized use.
7. The estimated turnaround time for an Ethos 360 Business Plan Service is 5 to 10 business days. The turnaround estimation is based on the date that we receive all applicable information to complete your plan. This means that the questionnaire needs to be completed by either you or by you and the Consultant. You understand that this turn around estimation is a best approximation of when the work will be completed and is not guaranteed in any way.
8. We do not guarantee a turnaround time on plan revisions. Estimated turnaround time is 72 hours. Plan revisions will be processed in the order in which they are received and will be processed/completed with respect to your plan writer’s or consultant’s current work load.
9. For the business plan, it will be your responsibility to attend all scheduled meetings with your business plan consultant in order for us to receive all applicable information to complete your Plan. This will enable us to begin writing your Plan. If you have any questions during the discovery process, we will do our best either to answer your questions or to direct you to the possible source of the answers to your questions. Essentially, the business plan includes the following services from Company: Approximately 25-45 hours of total work including interview, follow up, and revision, limited writing and re-writing, spell and grammar check, generation of tables and 3D color charts, and all formatting. At the end of three months from the date of your order, if we have not heard from you or had contact with you, we will deem that we have provided you sufficient time to complete the Plan and that our performance is complete. Henceforth, we shall no longer assume the responsibility of completing your Plan and we will issue no refunds.
10. Custom Graphics means customer provided graphics such as logos, photos or products or services, or diagrams. Business plan customers may provide a total of 3 custom graphics, in an acceptable format, for inclusion into their business plan.
11. The length of the plans is only given in terms of approximate number of pages. This is because there are too many variables responsible for determining a length of a plan, and the focus will be more on the quality of the plan rather the quantity.
12. The terms Bank Ready, SBA Ready, Venture Capital Ready and Investor Ready, and Grant Ready simply refer to the standard format of our business plan, which follows the general guidelines set forth by the U.S. Small Business Administration. There may be other specific formats required by Banks, Investors, Venture Capital, Grant-making entities or other entities. It is the responsibility of the customer to request those other formats and Company may or may not quote an additional charge for those other formats, or decline to provide its plan in the other format.
13. The moment your order is placed, our staff will immediately start setting up your account and your Consultant will act as your primary contact person. The staff will start researching your project and working on your account. For this reason, and because the turnaround times are relatively short, all orders are non refundable and we do not have a cancellation policy. Any chargeback or payment dispute in association with services that have been purchased through Company will be sent to collections that may negatively affect your credit. Once Company is notified of a chargeback, we will notify you via email and postal mail, this notification will provide you with 30 days to resolve this matter, if payment is not received in full within 30 days, Company reserves the right to send your account to a collections agency of our choice. A chargeback fee of $99 will be applied to your account upon notification of a chargeback.
14. Chargeback policy: clients who chargeback after work has been started on their account will be reported to all major credit bureaus as a delinquent collection account.
15. We promise to deliver a business plan that has been formatted professionally, and that has all the sections included that we have information for. Furthermore, we promise to include tables, and color charts and graphics. The completed plan will be made available in both Word and PDF formats. All plans will be customer written. We will also spend the amount of time we promise on the client's plan. All plans will be checked for correct grammar and spelling.
16. Clients who purchase the Ethos 360 Private Placement Memorandum Service will receive all applicable materials, documents, files and written instructions via email along with coaching from your Consultant. The moment your order is placed, our staff will immediately start setting up your account and your Consultant will act as your primary contact person. For this reason, and because you will have received all materials necessary along with ownership of said materials all orders are non refundable and we do not have a cancellation policy. You may no resell any of the Private Placement Memerandum materials, documents, files or written instructions. Any chargeback or payment dispute in association with services that have been purchased through Company will be sent to collections that may negatively affect your credit. Once Company is notified of a chargeback, we will notify you via email and postal mail, this notification will provide you with 30 days to resolve this matter, if payment is not received in full within 30 days, Company reserves the right to send your account to a collections agency of our choice. A chargeback fee of $99 will be applied to your account upon notification of a chargeback.
17. Clients who purchase the Ethos 360 BizCred Builder Program will receive all applicable instructions on how to build corporate credit via email along with coaching from your Consultant. The moment your order is placed, our staff will immediately start setting up your account and your Consultant will act as your primary contact person. For this reason, and because you will have received all instructions along with our intellectual property all orders are non refundable and we do not have a cancellation policy. You may no resell the service or any of the information, materials, documents, files or instructions. We do not guarantee that Client will receive credit by following the Ethos BizCred Builder Program but your chances of obtaining credit are greatly enhanced. Any chargeback or payment dispute in association with services that have been purchased through Company will be sent to collections that may negatively affect your credit. Once Company is notified of a chargeback, we will notify you via email and postal mail, this notification will provide you with 30 days to resolve this matter, if payment is not received in full within 30 days, Company reserves the right to send your account to a collections agency of our choice. A chargeback fee of $99 will be applied to your account upon notification of a chargeback.
18. Information contained on or made available through the Site or an Company employee or subcontractor is not intended to and does not constitute legal advice, recommendations, mediation or counseling under any circumstance and no attorney-client relationship is formed. We do not warrant or guarantee the accurateness, completeness, adequacy or currency of the information contained in or linked to the Site. Your use of information on the Site or from a Company employee or subcontractor or materials linked to the Site is entirely at your own risk. We are not a law firm and the Site is not a lawyer referral service.
19. Company will treat every client with the highest level of respect and professionalism. You agree that all client communication is documented and we reserve the right to assign a client to a different employee or subcontractor or terminate an agreement at any time due to uncooperative or abusive clients. In the event of this occurrence, we reserve the right to terminate our agreement and return 0% of the order total for incomplete work.
20. The capital raising/sourcing service provides introduction to angel investors, angel groups, institutional investors, alternative financing, grant resources, commercial finance providers, brokers and lenders. No action or service provided by Company constitutes or implies the endorsement, recommendation, or appropriateness of a particular investment opportunity for any investor or entrepreneur. Any information provided by Company to investors or entrepreneurs are to be used for informational purposes only and in no way constitute or imply the endorsement, recommendation, or appropriateness of a particular investment opportunity. Company makes no independent investigation to verify the integrity of the information submitted to potential investors or entrepreneurs and makes no representations or warranties with respect to the truthfulness of the information provided by applicant investors or entrepreneurs. As a result, potential investors and entrepreneurs must conduct their own investigation of the merits and risks of each investment opportunity, and independently negotiate the terms of their investment and/or agreement. All users of the capital raising/sourcing service are strongly encouraged to seek legal and other professional counsel prior to the making of any decisions. Users of this service may not use the information provided on the site to gather email addresses or other contact information of investors and entrepreneurs and their companies for sale purposes. We reserve the right to deny service of any user that violates these terms, or for any other reason, without prior notice or warning. Purchasing Company services does not constitute an offer by Company to sell or the solicitation by Company of an offer to buy or sell any investment interest in the business ventures of applicant investors or entrepreneurs. The actual sale or purchase of an investment interest shall be a private and independent transaction between the entrepreneur and the investor without any participation by or remuneration to Company In no event will Company be liable for any loss of earnings or any other commercial damages, including without limitation direct or indirect, special, incidental, or consequential or other indirect damages, losses or expenses arising out of or in correlation with an independent transaction, agreement, or interaction between Clients. There may be errors in the information provided by this service and we strongly suggest that you seek legal counsel prior to commencement of any potential transaction. All materials provided by this service are strictly for information purposes. Company does not function as a broker-dealer or investment advisor and is not registered as such with any federal or state securities regulator. Company does not sell or offer to sell any securities and no information contained through this service is intended to constitute or to be interpreted as any such offer. Company isn’t a loan broker or originator and receives no compensation for referring Clients to lenders, credit providers or financing sources. Further, no representations or warranties, express or implied, are given regarding the legal or other consequences resulting from Company referring Clients to funding sources. Any investor or entrepreneur using this service requesting to contact any other investor or entrepreneur using our service, does so at their own risk and is solely responsible for conducting any legal, accounting, or due diligence review. In no event will Company be liable for any loss of earnings or any other commercial damages, including without limitation direct or indirect, special, incidental, consequential, or other indirect damages, losses or costs arising out of or in correlation with the use of this service or including without limitation, interactions with other users, claims arising from malfunction or defects in the site or related service or inability to access or use the site by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or telecommunications or system malfunction.
21. Company provides an incorporation and trademark registration referral service designed to allow you to form your own corporation or file a trademark along with referrals to financing sources and service providers. Company is not to be held liable in any way for the actions of any entity a Client is referred to. It is the Client’s responsibility to perform all due diligence. Company is not a law firm or loan broker and neither Company nor any of its employees provide legal services or legal advice. Further, no representations or warranties, express or implied, are given regarding the legal or other consequences resulting from the use of our services or forms.
22. You agree to indemnify, defend and hold us and our partners, agents, directors, employees, subcontractors, successors, assigns, third party suppliers of information and documents, advertisers, product or service providers, and affiliates (collectively, "Affiliated Parties") harmless from any liability, loss, claim and expense related to your violation of this Agreement or use of the Site.
23. Your right to use the Site is not transferable or assignable. Any password or right given to you to obtain information or documents is not transferable or assignable.
24. The information, content and documents from or through the site, from the Company or its employees or subcontractors are provided "as is", "as available", with "all faults", and all warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability and fitness for a particular purpose). The information and services may contain bugs, errors, problems or other limitations. We and our affiliated parties have no liability whatsoever for your use of any information or service, except as stated in the agreement. In particular, but not as a limitation thereof, we and our affiliated parties are not liable for any indirect, special, incidental or consequential damages (including damages for loss of business, loss of profits, litigation, or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages. The negation and limitation of damages set forth above are fundamental elements of the basis of the bargain between us and you. This site and the products, services, documents and information presented would not be provided without such limitations. No advice or information, whether oral or written, obtained by you from us through the site or otherwise shall create warranty, representation or guarantee or expressly stated in this agreement. All responsibility or liability for any damages caused by viruses contained within the electronic file containing a form or document is disclaimed.
25. Company and any Affiliated Party shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from; any errors in or omissions from the Site or any services or products obtainable therefore. The unavailability or interruption of the Site or any features thereof. Your use of the Site. The content contained on the Site. Any delay or failure in performance beyond the control of a Covered Party. The aggregate liability of us and the affiliated parties in connection with any claim arising out of or relating to the site and/or the products, information, documents and services provided herein or hereby shall not exceed the amount paid for our services and that amount shall be in lieu of all other remedies which you may have against us and any affiliated party.
26. We take your privacy and the use of the information that you provide us very seriously, we use only the highest level of security when handling confidential customer information. Our Privacy Policy is a part of this Agreement and can be reviewed by clicking on the "Privacy Policy" links throughout our website.
27. You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Site and the Content and Materials provided therein.
28. This Agreement shall be treated as though it were executed and performed in Portland, Oregon and shall be governed by and construed in accordance with the laws of the State of Oregon (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or any information, Documents, products or services related thereto) must be instituted within (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth in this Agreement. The language in the Agreement shall be interpreted as to its fair meaning and not strictly for or against any party. Any rule of construction to the effect that ambiguities are to be resolved against the drafting party shall not apply to interpreting this Agreement. This Agreement and all incorporated agreements and your information may be automatically assigned by us at our sole discretion to a third party in the event of an acquisition, sale or merger. If any provision of this agreement is held illegal, invalid or unenforceable for any reason, that provision shall be enforced to the maximum extend permissible, and the other provisions of this Agreement shall remain in full force and effect. If any provision of this Agreement is held illegal, invalid or unenforceable, it shall be replaced, to the extent possible, with a legal, valid, and unenforceable provision that is similar in tenor to the illegal, invalid, or unenforceable provision as is legally possible. To the extent that anything in or associated with the Site is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. Our rights under this Agreement shall survive any termination of this Agreement. The title, headings and captions of this Agreement are provided for convenience only and shall have no effect on the construction of the terms of this agreement.
29. Any legal controversy or legal claim arising out of or relating to this Agreement or our services, excluding legal action taken by us relating to Site operations and/or intellectual property, shall be settled solely by confidential binding arbitration in accordance with the commercial arbitration rules applicable at the time the arbitration commences. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Portland, Oregon. Each party shall bear its own attorneys' fees. Each party shall bear one-half of the arbitration fees and costs incurred.
30. We do not represent or warrant that the Site will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not represent or warrant that the information available on or through the Site will be correct, accurate, timely or otherwise reliable. We may make changes to the features, functionality, services, products or content of the Site at any time. We reserve the right at our sole discretion to edit or delete any documents, information or other content appearing on the Site.
31. The information contained in this website or provided through our services is provided with the understanding that the authors, employees and/or owners of Company are not providing any legal, accounting or any other professional advice on the subject matter and therefore assume no liability whatsoever. Furthermore, if any legal, accounting or any other type of professional advice is required to assist in the process of raising capital, we recommend you obtain the services of a licensed professional before you proceed with any aspect of raising capital. We also strongly urge you to investigate the necessary regulatory requirements with regards to raising capital and to consult with the SEC, FSA or any other body which regulates the process of raising equity capital in private or public businesses. In no way do we guarantee that money will be raised or credit obtained. This is not an offer to buy or sell securities. All services, contracts and agreements, either written or verbal, are null and void if Company becomes insolvent, declares bankruptcy or ceases operation. Company and/or Ebapro Inc. shall not be held liable by Client or any other entity for unfulfilled services, obligations or products. No refunds will be issued. Company and/or Ebapro Inc. shall in no way be responsible for the actions pertaining to use of our services and/or products of current or prospective clients. Any additional products and/or services purchased from Company are non-refundable at moment of purchase. A purchase invoice will be emailed to Client within three business days of purchase. Client deems Company and/or Ebapro Inc. not liable for any unethical, fraudulent or illegal use of Company’s products and services. Client acknowledges they are 18 years of age or older.

If you have any questions or concerns, please do not hesitate to contact us at info@Ethos360.com and expect a prompt response to any issues you may have.

Ethos 360 is a division of Ebapro Inc. (a Delaware corporation since 2006).