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Terms of Service

Revision Date: June 17, 2026 (REV 260617)

These Terms of Service (the Terms) govern your access to and use of Torch Ignited Academy, an online subscription learning platform located at academy.torchignited.ai, including its courses, community features, downloadable materials, and related services (together, the Academy). The Academy is operated by Torch Designs LLC, a Florida limited liability company located at 1810 Lakeland Hills Blvd, Lakeland, FL 33805 and doing business as Torch Ignited (Torch Ignited, we, us, or our).

By creating an account, completing a purchase, or accessing or using the Academy, you agree to be bound by these Terms and acknowledge that you have read and understand our Privacy Policy, which describes how we collect, use, and protect your information and is available at https://academy.torchignited.ai/privacy-notice. If you do not agree, do not create an account, purchase a subscription, or use the Academy.

These Terms include a binding arbitration provision and a class action waiver in Section 19 that affect how disputes between you and us are resolved. Please review that section carefully.

1. Acceptance of These Terms and the Parties Bound

The person or entity that completes a purchase and creates the paying account is the Account Holder and is the party contracting with us under these Terms. The Account Holder may be an individual or an organization. By completing checkout, the Account Holder accepts these Terms and is responsible for all amounts due and all activity associated with the account. If you accept these Terms on behalf of an organization, you represent that you have authority to bind that organization, and references to you include that organization.

If the Account Holder assigns access to other individuals (each an Assigned User), the Account Holder represents that it has authority to bind those individuals to these Terms, agrees to make them aware of and ensure their compliance with these Terms, and remains responsible for any breach of these Terms by any Assigned User, including unauthorized sharing of content or account credentials.

Each Assigned User must also accept these Terms before accessing the Academy. Where the Academy presents these Terms for acceptance at first login, accessing or using the Academy constitutes acceptance by that individual. Both the Account Holder and each Assigned User are bound by these Terms.

2. Eligibility

The Academy is intended for adults. You must be at least 18 years old to create an account, accept these Terms, or use the Academy. The Academy is not directed to children, and we do not knowingly permit anyone under 18 to register or knowingly collect information from anyone under 18. By using the Academy, you represent that you are at least 18 years old and that the information you provide is accurate. If we learn that we have collected information from a person under 18, we will take reasonable steps to delete it.

3. Accounts and Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not you authorized it. Accounts and seats are for individual use. You agree to:

  • Keep your login credentials secure and not disclose them to anyone;
  • Not share, transfer, sell, or allow others to use your account or seat; and
  • Notify us promptly at support@academy.torchignited.ai if you suspect any unauthorized use of your account.

Sharing account credentials, allowing more than one person to use a single seat, or providing access to anyone who is not an Assigned User is a material violation of these Terms and may result in immediate termination without refund, in addition to any other remedies available to us.

4. Subscriptions, Billing, and Auto-Renewal

The Academy is offered on a paid subscription basis, priced per seat. By subscribing, you authorize us and our payment processor to charge the applicable fees to your payment method on a recurring basis.

Subscriptions automatically renew at the end of each billing period (monthly or annual, as selected) unless you cancel before the renewal date. Renewals are charged at your locked rate as described in the Pricing and Price Lock section. You may cancel at any time, directly through your account on the Academy, without contacting us. Cancellation takes effect at the end of your current billing period. You will retain access for the remainder of the period you have already paid for, and you will not be charged for the following period.

You are responsible for all applicable taxes and for keeping your payment information current. If a payment fails, we may suspend or terminate your access until payment is resolved.

5. Pricing and Price Lock

The Academy is priced per seat according to the plan you select at checkout. The base subscription rate in effect for your plan when you subscribe is locked to your account and will not increase for as long as your subscription remains continuously active. If we raise our prices in the future, the new prices apply to new subscriptions, not to your existing subscription.

The price lock applies only to the base subscription rate for the seats you hold. It does not apply to optional add-ons, to new products or features we offer separately, or to taxes. The price lock depends on continuous subscription. If your subscription lapses, is cancelled, or is terminated for any reason, the lock ends, and any new subscription will be at the then-current rates. Any promotional or founding-member rate, once active, is locked on the same terms.

Nothing in this section prevents us from offering you a lower rate, and nothing in this section requires us to continue offering any particular plan, feature, or the Academy itself.

6. No Refunds

All fees are non-refundable. Because the Academy provides immediate access to digital content that can be viewed, downloaded, and retained, we do not offer refunds, credits, or money-back guarantees for any subscription, renewal, or unused portion of a billing period, including where an account is terminated for a violation of these Terms. Canceling a subscription stops future charges but does not entitle you to a refund of amounts already paid. This Section applies to the maximum extent permitted by applicable law.

Where the law of your jurisdiction grants you a non-waivable right to a refund or to cancel within a specified period, that right applies, and nothing in these Terms limits it. Apart from such non-waivable rights, all fees are non-refundable.

7. License to Use Materials

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access the Academy and to use and adapt the videos, slides, worksheets, templates, prompts, and other materials we make available (the Materials) for your own internal business or personal purposes. This includes using and adapting downloadable Materials within your own organization and sharing them as reasonably necessary with your own employees and professional advisors who are assisting you, provided they are bound by confidentiality obligations consistent with these Terms.

If you cancel your subscription, you may keep and continue to use and adapt, for your own internal purposes, any Materials you downloaded while your subscription was active. Cancellation ends your access to the platform, to new and updated content, and to any further downloads.

You may not, at any time and regardless of whether your subscription is active, sell, license, sublicense, publish, distribute, post, or otherwise share the Materials with anyone outside your organization. This restriction is permanent and survives cancellation or termination.

8. Intellectual Property

The Academy and all Materials, including all text, video, audio, graphics, slide content, worksheets, templates, prompts, custom GPT designs, course structure, software, and the Torch Ignited name, logos, and branding, are owned by Torch Designs LLC or its licensors and are protected by copyright, trademark, and other laws. Except for the limited license granted in Section 7, no rights are granted to you, and we reserve all rights not expressly granted.

Where the Academy provides prompts for use with third-party artificial intelligence services, those prompts are our intellectual property and are licensed to you only as described in Section 7. Any output you generate by running a prompt or otherwise using a third-party service is a matter between you and the provider of that service. We make no claim of ownership over and accept no responsibility for that output.

9. AI Features and Third-Party Services

The Academy includes links to third-party artificial intelligence services and prompts intended for use with those services (together, the AI Features). When you use an AI Feature, you are directed to a third-party platform such as ChatGPT (operated by OpenAI), Claude (operated by Anthropic), or another service you choose. We do not host, operate, integrate with, or control those services, and we do not process, receive, or store the inputs you provide or the output those services generate. Your use of any third-party service is governed by that provider's own terms and policies, not by these Terms. We do not guarantee that any third-party service will remain available, compatible, or unchanged, and any prompt or instruction we provide may stop working as those services evolve.

Artificial intelligence output is probabilistic and inconsistent by nature. Different models produce different results, the same model can produce different results from the same input, and providers update and change their models at any time without notice. As a result, AI output may be inaccurate, incomplete, outdated, biased, or otherwise unreliable.

A human must always remain in the loop. As a condition of using the AI Features and of using anything you learn through the Academy, you agree that a qualified person will review and verify all AI output for accuracy and suitability before relying on it or acting on it. Artificial intelligence should never be left to operate on its own. You are solely responsible for any decision you make or action you take based on AI output.

You are responsible for the information you enter into any third-party service. You should not enter confidential, proprietary, personal, regulated, or otherwise sensitive information, such as protected health information, social security numbers, or financial account credentials, into any AI Feature or third-party service except in accordance with that provider's terms and your own legal obligations.

10. Educational Nature, No Advice, and No Guarantees

The Academy provides general education and training only. It does not provide legal, financial, accounting, tax, compliance, security, or other professional advice, and nothing in the Materials or AI Features should be treated as a substitute for advice from a qualified professional who is familiar with your specific circumstances.

We make no guarantees of any kind regarding results or outcomes. We do not warrant or guarantee that the Materials or AI Features are accurate, complete, current, or suitable for your particular situation, or that following them will produce any particular result. Artificial intelligence changes constantly and can make mistakes, and there is no way for us to guarantee the results that any artificial intelligence will produce.

You are solely responsible for how you interpret, apply, and act on the training, Materials, and AI Features, and for the consequences of doing so. To the maximum extent permitted by law, we accept no responsibility or liability for any decision you make, any action you take, or any result you experience based on your use of the Academy.

11. Acceptable Use

You agree that you will not, and will not permit any Assigned User or third party to:

  • Copy, reproduce, redistribute, publish, sell, resell, license, sublicense, rent, or otherwise make the Materials available to anyone outside your organization;
  • Share, transfer, or expose your login credentials, or allow anyone other than the assigned user to access a seat;
  • Scrape, crawl, harvest, or use automated means to extract content from the Academy;
  • Reverse engineer, decompile, or attempt to derive the source code or underlying structure of the platform, except to the extent this restriction is prohibited by law;
  • Circumvent, disable, or interfere with any security, access control, or usage limit;
  • Use the Academy for any unlawful purpose or in any manner that infringes the rights of others; or
  • Upload or transmit malicious code or otherwise disrupt the operation of the Academy.

12. User-Submitted Content

The Academy may allow you to post, submit, or share content, including forum posts, completed worksheets, and other submissions (collectively, User Content). You retain ownership of your User Content.

By posting or submitting User Content, you grant Torch Designs LLC a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, sublicensable license to use, host, store, reproduce, modify, adapt, display, and feature that User Content in connection with operating, providing, and promoting the Academy.

You represent and warrant that you own or have all rights necessary to post your User Content and to grant this license, that your User Content is your original work, is properly authorized, or is in the public domain, and that it does not infringe or violate the intellectual property, privacy, or other rights of any third party.

We are under no obligation to use, feature, or retain any User Content, and we may remove, decline to display, or stop using any User Content at our discretion and at any time.

13. Disclaimer of Warranties

The Academy, the Materials, and the AI Features are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Academy will be uninterrupted, secure, error-free, or available at any particular time, and we may modify, suspend, or discontinue any part of the Academy at any time.

14. Limitation of Liability

To the maximum extent permitted by law, Torch Designs LLC and its members, managers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, business, or goodwill, arising out of or relating to your use of or inability to use the Academy, the Materials, or the AI Features, even if we have been advised of the possibility of such damages.

Our total liability for all claims arising out of or relating to these Terms or the Academy will not exceed the total amount you paid us in the twelve (12) months immediately before the event giving rise to the claim.

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. In that case, our liability is limited to the greatest extent permitted by law.

15. Indemnification

You agree to defend, indemnify, and hold harmless Torch Designs LLC and its members, managers, employees, contractors, and agents from and against any claims, demands, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Academy, your breach of these Terms, your violation of any law or the rights of any third party, your User Content, or any act or omission of an Assigned User you provisioned. This obligation includes any third-party claim that your User Content infringes or violates that party's rights.

16. Termination

You may cancel your subscription at any time as described in Section 4. We may suspend or terminate your access to the Academy, in whole or in part, at any time and without prior notice if you violate these Terms. Violations involving intellectual property theft, redistribution or resale of Materials, credential sharing, unauthorized access, or reverse engineering may result in immediate termination.

Termination does not entitle you to any refund, and termination is not our only remedy. We reserve the right to pursue all available legal and equitable remedies, including injunctive relief and damages, against anyone who violates these Terms.

The provisions of these Terms that by their nature should survive termination will survive, including Sections 6, 7, 8, 10, 12, 13, 14, 15, 19, and 20.

17. Changes to These Terms

We may update these Terms from time to time as the Academy evolves. To the maximum extent permitted by law, you are responsible for reviewing the current Terms, and the most current version will always be posted on the Academy. We may, but are not required to, provide notice of material changes through the Academy or by other reasonable means. Your continued use of the Academy after changes take effect constitutes your acceptance of the updated Terms. We will not use a change to these Terms to increase a locked subscription rate for any account whose subscription remains continuously active.

18. Changes to the Academy and Pricing

We may add, change, suspend, or discontinue any part of the Academy, including features, content, and Materials, at any time. We may also change our pricing. Price changes apply to new subscriptions. They do not increase the locked rate of an existing subscription that remains continuously active, as described in the Pricing and Price Lock section.

19. Governing Law and Dispute Resolution

Governing Law and Venue. These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Subject to the arbitration agreement below, any court proceeding permitted under these Terms will be brought exclusively in the state or federal courts located in Polk County, Florida, and you consent to the jurisdiction of those courts.

Binding Arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Academy will be resolved by final and binding arbitration on an individual basis, rather than in court. The arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules then in effect, before a single arbitrator, and will take place in Polk County, Florida, or be conducted remotely or by written submission as those rules allow. Judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver. You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding.

Exception for Injunctive Relief. Notwithstanding the arbitration agreement, either party may bring an action in the state or federal courts located in Polk County, Florida, to seek injunctive or other equitable relief arising out of or relating to the actual or threatened infringement, misappropriation, or violation of intellectual property rights, the confidentiality obligations in these Terms, or unauthorized access to or use of the Academy. Seeking such relief in court does not waive either party's right to arbitrate any other claim.

Severability of Claims. If a single dispute includes both claims that fall within the injunctive-relief exception above and claims that are subject to arbitration, the arbitrable claims will be severed and resolved in arbitration, and only the request for injunctive or equitable relief described above may proceed in court. The arbitration agreement and the class action waiver are each independently enforceable and survive even if any other part of this Section is found unenforceable.

Time to Bring a Claim. To the fullest extent permitted by law, any claim arising out of or relating to these Terms or the Academy must be brought within twelve (12) months after the claim arose. Any claim not brought within that period is permanently barred. This limitation applies regardless of the form of action or the legal theory asserted.

20. Miscellaneous

Entire Agreement. These Terms, together with any program-specific terms you accept and our Privacy Policy, are the entire agreement between you and us regarding the Academy and supersede any prior agreements on that subject.

Severability. If any provision of these Terms is found to be unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

Force Majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control.

Notices and Contact. Formal legal notices to us must be in writing and sent to Torch Designs LLC, 1810 Lakeland Hills Blvd, Lakeland, FL 33805. General support questions may be sent to support@academy.torchignited.ai. You do not need to send a notice to cancel your subscription. You may cancel at any time through your account as described in Section 4.