These Terms of Use (“Terms”) govern your access to and use of the website of The Fred Joyal Company (“Company,” “we,” “us,” or “our”), including our website, content, services, programs, products, courses, communications, and any related features or functionality made available through the site (collectively, the “Site” and “Services”).

By accessing or using our Site or Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site or Services.

1. Who We Are and Description of Use Cases

The Fred Joyal Company provides educational, informational, and promotional content and services related to topics that may include, without limitation:

• personal and professional development
• leadership, communication, and boldness training
• sales and marketing education
• keynote speaking and consulting
• newsletters and email communications
• text message communications
• webinars, courses, downloadable resources, and other digital products

The Site may be used to:

• learn about our services, programs, and speaking offerings
• access educational materials, articles, videos, and other content
• subscribe to newsletters, updates, or promotional communications
• register for events, webinars, or digital programs
• purchase products, services, or training
• contact us or request information

All content is provided for general informational and educational purposes only.

2. No Medical, Dental, Legal, Financial, or Professional Advice

The content on this Site, including text, graphics, images, video, audio, downloads, links, and other materials, is provided for informational and educational purposes only.

Nothing on this Site constitutes or is intended to constitute medical, dental, legal, financial, tax, or other professional advice. You should not rely on Site content as a substitute for advice from a qualified professional who is familiar with your particular situation.

If you believe you may be experiencing a medical emergency, call 911 or contact a qualified healthcare provider immediately.

Educational and Informational Purpose

All content, materials, courses, and communications provided by The Fred Joyal Company are for educational and informational purposes only.

Nothing contained on the Site or in our programs constitutes legal, financial, medical, business, or professional advice. You are solely responsible for your decisions, actions, and results.

You should consult qualified professionals before making decisions that may affect your business, finances, health, or legal matters.

Results Disclaimer

Any examples, case studies, testimonials, or success stories presented on this Site or in our programs are provided for illustrative purposes only. They are not intended to represent or guarantee that any individual will achieve the same or similar results.

Individual results will vary based on numerous factors including experience, skills, effort, market conditions, and other circumstances beyond our control.

The Fred Joyal Company makes no guarantees regarding financial results, sales performance, business growth, or other outcomes from the use of our content, programs, or services.

3. Eligibility and Age Restrictions

You must be at least 18 years old to use this Site or Services. By using the Site, you represent and warrant that you are at least 18 and legally able to enter into these Terms.

Our Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13 without legally required consent. If you believe a child under 13 has provided personal information to us, please contact us so we can address the matter appropriately. (Federal Trade Commission)

4. Privacy Policy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your information.

Please review our Privacy Policy here: Privacy Policy

5. Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• use the Site in violation of any applicable law or regulation
• interfere with the security or operation of the Site
• attempt to gain unauthorized access to any part of the Site or its systems
• upload, post, transmit, or otherwise make available any material that is unlawful, infringing, defamatory, obscene, threatening, abusive, harmful, or otherwise objectionable
• impersonate any person or entity
• introduce viruses, malware, or other harmful code
• copy, scrape, distribute, reproduce, modify, or exploit Site content except as expressly permitted

We reserve the right to suspend or terminate access to the Site or Services for any violation of these Terms.

6. Intellectual Property and Limited License

All content on the Site, including without limitation all text, graphics, logos, branding, images, videos, audio, course materials, downloads, design, layout, and other materials, is owned by or licensed to The Fred Joyal Company and is protected by copyright, trademark, and other applicable laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use only. Except as expressly permitted in writing, you may not:

• reproduce, republish, distribute, display, perform, transmit, or modify Site content
• create derivative works from Site content
• use our name, logo, or branding without permission
• use Site content for commercial purposes

All rights not expressly granted are reserved.

7. Purchases, Programs, and Digital Products

If you purchase any service, course, program, event, membership, or digital product from us, you agree to provide accurate billing and account information.

Unless otherwise stated in writing:

• purchases are for your personal use only
• access may not be shared, resold, sublicensed, or transferred
• we reserve the right to modify, discontinue, or update products or services at any time
• any refund, cancellation, renewal, or access terms presented at checkout or in a separate written agreement will govern that purchase

Unauthorized Sharing and Distribution

Access to digital products, courses, memberships, or training materials provided by The Fred Joyal Company is granted solely to the individual purchaser unless otherwise expressly stated.

You may not reproduce, distribute, share login credentials, sublicense, resell, or otherwise make our materials available to third parties without prior written permission.

Unauthorized distribution of course content, recordings, or materials may result in termination of access and may subject the user to legal action.

No Guarantee of Success

Participation in our programs requires effort, implementation, and independent judgment. We do not guarantee specific outcomes, career advancement, or business success from participation in our programs.

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8. SMS/Text Messaging Terms

If you provide your mobile number and opt in to receive text messages from us, you agree to receive SMS or MMS messages from The Fred Joyal Company, which may include promotional messages, reminders, alerts, updates, confirmations, or other communications related to our Services.

By opting in, you acknowledge and agree to the following:

• Consent is not a condition of purchase.
• Message frequency may vary.
• Message and data rates may apply.
• You can opt out at any time by replying STOP to any message.
• For help, reply HELP or contact us at fred@fredjoyal.com.
• Wireless carriers are not liable for delayed or undelivered messages.
• We may use automated technology to send text messages where permitted by law.

If you opt out, we will stop sending you marketing text messages within a reasonable time as required by applicable law. Consumers may revoke consent to receive robotexts in any reasonable manner, and current FCC rules reinforce that opt-out requests must be honored promptly. (Federal Communications Commission)

9. Email and Marketing Communications

By submitting your contact information through the Site, downloading a resource, registering for an event, making a purchase, or otherwise interacting with us, you agree that we may send you emails and other communications relating to our content, services, promotions, announcements, and updates, subject to applicable law.

You may unsubscribe from marketing emails at any time by using the unsubscribe link in the email or by contacting us at [Insert contact email].

Even if you opt out of marketing communications, we may still send you non-promotional communications relating to transactions, service updates, security notices, or other administrative matters.

10. User Submissions

If you submit comments, testimonials, feedback, ideas, suggestions, messages, or other content to us through the Site, by email, or otherwise, you represent that you have the right to do so.

Unless we expressly agree otherwise in writing, any such submission will be treated as non-confidential and non-proprietary. You grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, publish, display, adapt, and distribute such submissions for lawful business purposes, including marketing and promotional purposes.

You agree not to submit anything unlawful, infringing, deceptive, or harmful.

11. Public or Interactive Areas

If the Site includes comment sections, community features, chat functions, member discussions, or other interactive areas, you are solely responsible for your use of those features and for any content you post.

We reserve the right, but not the obligation, to monitor, review, edit, remove, or disable content or access at our discretion.

12. Third-Party Links and Services

The Site may contain links to third-party websites, tools, platforms, or resources. We provide these links for convenience only.

We do not control and are not responsible for third-party content, policies, products, services, or practices. Your use of third-party websites or services is at your own risk and subject to their terms and policies.

13. Disclaimer of Warranties

The Site and all content, products, and services are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the fullest extent permitted by law.

We do not warrant that:

• the Site will be uninterrupted, secure, or error-free
• the Site or its servers are free of viruses or harmful components
• the content is accurate, complete, reliable, current, or suitable for your purposes
• any particular results will be achieved from using the Site or Services

14. Limitation of Liability

To the fullest extent permitted by law, The Fred Joyal Company and its officers, directors, employees, contractors, agents, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or business opportunities arising out of or related to your use of, or inability to use, the Site or Services.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Site or Services shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the event giving rise to the claim.

15. Indemnification

You agree to defend, indemnify, and hold harmless The Fred Joyal Company and its officers, directors, employees, contractors, agents, licensors, affiliates, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or fees, including reasonable attorneys’ fees, arising out of or related to:

• your use of the Site or Services
• your violation of these Terms
• your violation of any law or the rights of any third party
• any content or material you submit or transmit through the Site
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16. Right to Refuse Service

We reserve the right, in our sole discretion and to the extent permitted by law, to refuse service, restrict access, cancel orders, terminate accounts, or remove content at any time and for any lawful reason.

If you are enrolled in a recurring service, membership, or program, any separate written agreement or checkout terms concerning cancellation, renewal, notice, or access will control.

17. Termination

We may suspend or terminate your access to the Site or Services at any time, with or without notice, if we believe you have violated these Terms or if continued access could create risk, harm, or liability.

The provisions of these Terms that by their nature should survive termination will survive, including without limitation intellectual property, disclaimers, limitations of liability, indemnification, and governing law.

18. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Rhode Island, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms, the Site, or the Services shall be brought exclusively in the state or federal courts located in Rhode Island, and you consent to the jurisdiction of those courts.

19. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date at the bottom of this page.

Your continued use of the Site after updated Terms are posted constitutes your acceptance of the revised Terms.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other written legal notices or terms expressly incorporated by reference, constitute the entire agreement between you and The Fred Joyal Company regarding your use of the Site and Services.

21. Contact Information

If you have questions about these Terms, please contact:

The Fred Joyal Company

fred@fredjoyal.com

401-681-8183

5600 Post Road Unit 114-135
East Greenwich RI 02818

Last updated 03/09/2026