Terms of Service
Last Updated: November 2025
Welcome to Ivy Wealth Academy, operated by Ivy Emilien (“Ivy,” “we,” “us,” or “our”).
These Terms of Service (“Terms”) govern your access to and use of all programs, digital products, websites, classes, and services offered through Ivy Wealth University, Ivy Wealth Academy, and https://ivywealthacademy.net (collectively, the “Services”).
By accessing or using the Services, you agree to these Terms.
If you do not agree, you may not access or use the Services.
1. Acceptance of Terms
By using our Services, you confirm that:
You are at least 18 years old.
You are legally able to enter a binding agreement.
If you are enrolling on behalf of a business or organization, you have full authority to bind that entity to these Terms.
2. Use of Services
You agree to use the Services only for lawful and legitimate purposes.
You may NOT:
Share, sell, or distribute your login credentials.
Reproduce, redistribute, or resell course materials, templates, videos, or documents.
Share recordings, worksheets, or masterclass replays publicly or privately.
Attempt to bypass payment systems, access restrictions, or secure areas of the site.
Engage in disruptive behavior in live sessions, communities, or private groups.
Use program content to create competing products or services.
Access is granted solely to the registered user and only for personal or internal business use.
Any unauthorized use may result in removal from programs without refund.
3. Intellectual Property
All content provided inside Ivy Wealth Academy — including videos, frameworks, documents, scripts, designs, masterclass recordings, educational materials, and digital downloads — is the exclusive intellectual property of Ivy Emilien and Ivy Wealth Academy.
You may not:
Copy
Modify
Distribute
Upload
Sell
Create derivative works
Or reproduce any content in any manner without written permission.
Violation of this policy may result in legal action.
4. Privacy & Data Protection
We respect your privacy.
Please review our Privacy Policy for details on how your information is collected, used, and stored.
By using our Services, you consent to our data practices outlined in the Privacy Policy.
5. Third-Party Tools & Integrations
Our programs may link to or integrate with third-party tools — such as payment processors, scheduling systems, or communication platforms.
These platforms are not controlled by Ivy Wealth Academy.
We are not responsible for the functionality, policies, or actions of third-party services. Your use of any third-party platform is governed by their own terms and policies.
6. Payments & Refund Policy
All purchases made through https://ivywealthacademy.net or our checkout systems are final.
Because our content is digital with immediate access, we do not offer refunds, exchanges, or cancellations once a purchase is completed.
By purchasing, you agree:
No refunds will be issued under any circumstances.
If on a payment plan, you must complete all payments as agreed.
Failed payments may result in revoked access to programs or materials.
Chargebacks are treated as theft and may result in permanent removal from all programs.
7. Termination of Access
We reserve the right to suspend or terminate your access without refund if you:
Violate these Terms
Fail to complete required payments
Engage in disruptive or abusive conduct
Misuse program content
Share access or distribute copyrighted materials
Attempt to defraud or circumvent program rules
Upon termination, your right to access the Services immediately ends.
8. Updates to Terms
We may modify these Terms at any time.
Updates will be posted here with a revised “Last Updated” date.
Continued use of the Services means you accept the updated Terms.
9. No Income Guarantees
Ivy Wealth Academy provides educational content, credit guidance, and funding strategies.
We do not guarantee any specific income, credit score increase, approval amount, or financial outcome.
Your results depend on:
Your personal financial situation
Your action and consistency
Accuracy of information provided
Market and lender conditions
We make no earnings claims — expressed or implied.
10. Governing Law
These Terms are governed by and interpreted under the laws of the State of Florida, without regard to conflict-of-law principles.
11. Contact Us
For questions, support, or assistance, contact:
📧 [email protected]
🌐 https://ivywealthacademy.net
By accessing or using the Services, you confirm you have read, understood, and agree to these Terms and our Privacy Policy.
If you do not agree, please discontinue use of the Services.