Terms of Service

1. Acceptance of Terms

By accessing leethomas.dev or school.leethomas.dev, creating an account, or enrolling in or purchasing any Lee Thomas IT program or service, you agree to be bound by these Terms of Service (“Terms”). Acceptance of these Terms is required before completing any purchase or enrollment. If you do not agree, do not use our services.

2. Services

Lee Thomas IT Operations, LLC and Lee Thomas IT Financial, LLC (collectively, “Lee Thomas IT”) provide the following services:

• AI education platform — self-paced course modules delivered through school.leethomas.dev
• Credit line origination — retail installment financing under the Credit Path program
• Custom AI Business OS — private AI infrastructure built for your business
• Enterprise consulting — strategic AI implementation services

3. Accounts

You must be at least 18 years old to create an account or enroll in any program. You are responsible for maintaining the security and confidentiality of your account credentials. You agree to provide accurate and current information during registration and to update it promptly if it changes. Sharing your account credentials with others is prohibited.

4. Payment Terms

The following payment terms apply to all enrollment options:

• Down payment — any required down payment is due in full at the time of enrollment and must be paid before access is granted.
• Monthly installments — where applicable, monthly payments are due on the same calendar date each month, beginning 30 days from your enrollment date.
• Late fee — a late fee of $25.00 will be assessed if a monthly payment is 15 or more calendar days past its due date.

5. Three-Day Right of Cancellation

Under applicable consumer protection law, you have the right to cancel this agreement without penalty within three (3) business days of your enrollment date. To exercise this right, you must notify us in writing within that period by emailing oliver@leethomas.devwith the subject line “Cancellation Request” and your full name and enrollment date.

After the three-business-day cancellation period has expired, all payments made are non-refundable, except as otherwise provided in your Retail Installment Agreement.

6. Cancellation

• Monthly and Annual subscriptions — you may cancel at any time. Your access will continue through the end of your current paid billing period, after which no further charges will be made.
• Credit Path (retail installment) — cancellation of school access does not cancel your installment payment obligation. Your obligation to make monthly installment payments continues in full pursuant to the terms of your signed Promissory Note and Retail Installment Agreement, regardless of whether you continue to use the platform.

7. Credit Path — Important Disclosures

The Credit Path program is a retail installment sale of educational services. It is NOT a bank loan, personal loan, or revolving credit product.

• Seller-Financier: Lee Thomas IT Financial, LLC
• Tier 1 (AI School): APR 14.99% · $497 down · $197/mo × 24 · Credit line: $4,997
• Tier 2 (AI Business OS): APR 13.99% · $997 down · $397/mo × 24 · Credit line: $9,997
• A soft credit inquiry may be performed at application. No hard inquiries are performed.
• Your installment account is reported to Equifax, Experian, and TransUnion monthly via Metro 2 format.
• After 24 consecutive on-time payments, your remaining balance is deferred per the Deferred Balance Addendum.
• We will NEVER report a negative tradeline upon non-renewal of the Deferred Balance provision.
• Wyoming law governs all installment agreements.

8. Course Access

Monthly subscribers access one module at a time and advance upon completion of each module. Annual and Credit Path subscribers have full access to all course modules immediately upon enrollment. Course access is personal, non-transferable, and is granted for your individual use only.

9. Grants Assistance Tool

The Grants Assistance Tool is available to enrolled students as an informational resource to help identify potential grant eligibility. It does not guarantee funding. All grant applications are subject to third-party program rules, eligibility criteria, and decisions outside our control. We make no representations regarding the likelihood of grant approval.

10. Intellectual Property

All course content, AI tools, platform software, Business OS outputs, training materials, and related intellectual property are owned by Lee Thomas IT Operations, LLC. You receive a personal, non-exclusive, non-transferable license to access and use course materials and platform features during your active enrollment.

You may use AI Business OS outputs and deliverables created for your business during your engagement for your own business purposes. You may not reproduce, distribute, sublicense, or resell any course content or platform materials to third parties.

11. Disclaimer of Warranties

Our services are provided “as is” and “as available” without warranty of any kind, express or implied. We do not guarantee specific educational outcomes, income results, credit score improvements, grant approvals, or business results. AI course modules reflect knowledge available at the time of creation and are updated periodically but may not reflect the most current developments.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Lee Thomas IT Operations, LLC and Lee Thomas IT Financial, LLC shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of our services, even if we have been advised of the possibility of such damages. Our total aggregate liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the total amount you paid to us in the twelve (12) months immediately preceding the claim.

13. Arbitration — Waiver of Jury Trial — No Class Actions

Please read this section carefully. It affects your legal rights.

All disputes, claims, or controversies arising out of or relating to these Terms, our services, or your relationship with Lee Thomas IT — including any dispute regarding the validity or enforceability of this arbitration provision — shall be resolved exclusively by binding individual arbitration under the Consumer Arbitration Rules of the American Arbitration Association (AAA), as amended from time to time. Arbitration shall take place in Wyoming, or by video conference if mutually agreed.

• No class actions — you agree to resolve disputes on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration.
• Waiver of jury trial — by agreeing to arbitration, you and Lee Thomas IT each waive the right to a jury trial.
• The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
• Nothing in this section prevents either party from seeking emergency injunctive relief from a court to prevent irreparable harm pending arbitration.

14. Governing Law

These Terms of Service are governed by the laws of the State of Wyoming, without regard to its conflict-of-law provisions. To the extent any dispute is not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Wyoming.

15. Contact

For questions, disputes, or cancellation requests:
Lee Thomas IT Operations, LLC
Email: oliver@leethomas.dev