Legal

Terms of Use

Effective Date: January 1, 2026

Welcome to IBC Academy (ibcacademy.org). By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this website.

Please also review our Privacy Policy, which governs your use of the site with respect to personal data.

Educational Purpose Only

IBC Academy provides educational content only. Nothing on this site constitutes financial, insurance, or investment advice. All content is for informational and educational purposes. You should consult with a qualified professional before making any financial decisions.

1 No Client Relationship

Your use of this website does not create a client, advisory, fiduciary, or professional relationship between you and IBC Academy, its owners, contributors, or affiliates.

Viewing educational content, subscribing to our newsletter, joining our community, or otherwise engaging with our materials does not constitute a professional engagement. No duty of care or advisory obligation arises from your use of this site.

2 Educational Disclaimer

The content on IBC Academy — including articles, videos, newsletters, and community discussions — is intended solely for educational purposes about the Infinite Banking Concept (IBC) and related topics.

This content is not:

✕ Financial advice or financial planning
✕ Insurance advice or a solicitation to purchase insurance
✕ Investment advice or securities recommendations
✕ Tax or legal advice

Individual financial situations vary. Always conduct your own research and consult with licensed, qualified professionals before making financial decisions.

3 Intellectual Property

All content on this website — including text, graphics, logos, images, videos, and educational materials — is the property of IBC Academy or its content creators and is protected by applicable copyright and intellectual property laws.

✓ You May

View and read content for personal use
Share links to our content
Quote brief excerpts with attribution

✕ You May Not

Reproduce or republish without permission
Use content for commercial purposes
Modify or create derivative works

4 User Conduct

When using our website and community platforms, you agree to:

• Use the site lawfully and respectfully
• Not harass, spam, or disrupt other users
• Not attempt to gain unauthorized access to any part of the site
• Not misrepresent your identity or affiliation
• Not use automated tools to scrape or collect data from the site

We reserve the right to restrict or terminate access for any user who violates these guidelines.

5 External Links

Our website may contain links to third-party websites, resources, or services. These links are provided for convenience and informational purposes only. IBC Academy does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing external links is at your own risk.

6 Limitation of Liability

To the fullest extent permitted by law, IBC Academy, its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use the website
• Any decisions made based on content found on this site
• Errors, inaccuracies, or omissions in the content
• Unauthorized access to or alteration of your data

The website and all content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to fitness for a particular purpose, accuracy, or non-infringement.

7 Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these terms or your use of the website shall be resolved in the courts located in the State of Texas.

8 Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page with an updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

Questions?

If you have any questions about these Terms of Use, contact us at:

support@ibcacademy.org