1. Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Mentora Impact Circle ("Mentora," "we," "our," or "us") governing your access to and use of the Mentora website, mobile applications, and all related services (collectively, the "Services").
By creating an account, purchasing a subscription, or otherwise using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Services.
2. Description of Services
Mentora provides an educational platform designed to help immigrant families navigate the United States financial system. Our Services include:
- Plain-language financial education content covering credit, taxes, banking, insurance, investing, and real estate.
- Access to licensed financial advisors for consultations and personalized guidance.
- Goal-setting tools, calculators, and progress tracking features.
- A community forum for member questions and peer support.
- Video guides, articles, and other educational resources.
Mentora provides financial education, not financial advice. Nothing on our platform constitutes personalized investment, tax, legal, or insurance advice. See our full Disclaimer.
3. Accounts & Eligibility
Eligibility
You must be at least 18 years of age to create an account. By creating an account, you represent that you meet this requirement.
Account Accuracy
You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for safeguarding your password and for all activity that occurs under your account.
One Account Per Person
Each subscription is for a single individual. You may not share your account credentials with others or allow multiple people to access the Services using a single account.
4. Subscription & Billing
Plans & Pricing
Mentora offers subscription plans as described on our Pricing page. Prices are stated in US dollars and are subject to change with 30 days' notice.
Billing
Subscriptions are billed on a monthly or annual basis, automatically renewing at the end of each billing period unless canceled. By subscribing, you authorize us to charge your payment method on a recurring basis.
Free Trials
Where offered, free trials automatically convert to a paid subscription at the end of the trial period. We will notify you before billing begins. You may cancel during the trial period at no charge.
Cancellation & Refunds
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period — you retain access until then. We do not offer prorated refunds for partial billing periods, except where required by applicable law.
5. Acceptable Use
You agree not to use the Services to:
- Violate any applicable law, regulation, or third-party rights.
- Share your account access with others or resell the Services.
- Scrape, copy, or distribute content from the platform without our written permission.
- Post misleading, harmful, or abusive content in community forums.
- Attempt to gain unauthorized access to our systems or other users' accounts.
- Use automated tools (bots, scrapers) to access the Services.
- Impersonate Mentora, our advisors, or other users.
We reserve the right to suspend or terminate accounts that violate these terms without prior notice.
6. Intellectual Property
All content on the Mentora platform — including text, images, videos, graphics, course materials, and software — is owned by Mentora or its licensors and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial educational purposes only. You may not copy, distribute, modify, create derivative works from, or publicly display any content from our platform without our prior written consent.
7. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that: (a) the Services will be uninterrupted or error-free; (b) any information on the platform is complete, accurate, or current; (c) the Services will meet your specific educational or financial needs.
Financial information on our platform is for educational purposes only. Consult a licensed professional before making any financial decisions. See our Disclaimer.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MENTORA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.
In no event shall our total liability to you exceed the greater of (a) the amount you paid to us in the 12 months prior to the claim or (b) $100 USD.
9. Indemnification
You agree to indemnify, defend, and hold harmless Mentora, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any third-party right; or (d) any content you submit to the platform.
10. Termination
Either party may terminate these Terms at any time. You may terminate by canceling your subscription and deleting your account. We may suspend or terminate your access immediately if we determine you have violated these Terms, engaged in fraudulent activity, or if required by law.
Upon termination, your license to use the Services ceases immediately. Sections 6 (Intellectual Property), 7 (Disclaimer), 8 (Liability), and 9 (Indemnification) survive termination.
11. Governing Law
These Terms are governed by the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved exclusively in the state or federal courts located in California, and you consent to personal jurisdiction in such courts.
If you are a consumer in a jurisdiction that requires disputes to be resolved in your local courts, this section does not override those protections.
12. Changes to Terms
We may update these Terms from time to time. When we make material changes, we will notify you by email and/or by posting a notice on our website at least 30 days before the changes take effect. Continued use of the Services after the effective date constitutes acceptance of the updated Terms.
13. Contact
For questions about these Terms, contact us at:
- Email: legal@mentora.com
- Mail: Mentora Impact Circle, Attn: Legal, [Address], United States
Last updated: January 1, 2025.