These Terms of Service (“Terms”) govern your use of this website and any content, resources, forms, coaching information, speaking information, mentorship information, business resources, real estate education content, and insurance licensing education links provided by Team Mendoza / Joe Mendoza (“we,” “us,” or “our”).
By using this website, you agree to these Terms. If you do not agree, do not use this website.
1. Website Purpose
This website provides information about Joe Mendoza, Team Mendoza, coaching, mentorship, speaking, business growth resources, real estate education, professional development, and insurance licensing education opportunities through XCEL Solutions.
The website is intended for informational, educational, and business inquiry purposes only.
2. No Guarantee of Results
We may share education, coaching, business strategy, leadership, sales, real estate, investing, licensing, or professional development information. However, we do not guarantee any specific result.
Your results depend on many factors, including your background, effort, market conditions, state licensing requirements, business model, experience, execution, financial position, and decisions.
Testimonials, examples, case studies, or success stories are not guarantees that you will achieve the same or similar outcome.
3. XCEL Solutions Relationship
Team Mendoza may provide links or referrals to XCEL Solutions for insurance licensing education, exam preparation, continuing education, and related online courses.
XCEL Solutions is responsible for its own course platform, course content, checkout process, account access, customer support, refunds, terms, privacy policy, cookie policy, and education-related services.
Team Mendoza / Joe Mendoza does not issue insurance licenses, approve licensing applications, administer state licensing exams, control state licensing rules, or guarantee that you will pass an exam or receive a license.
You are responsible for reviewing and satisfying the licensing requirements in your state before enrolling in any course or exam preparation program.
4. Third-Party Websites and Services
This website may link to third-party websites, including XCEL Solutions, scheduling tools, payment processors, podcast platforms, video platforms, social media platforms, and other service providers.
We do not control and are not responsible for third-party websites, policies, services, content, pricing, availability, refunds, technical issues, or data practices. Your use of third-party websites is governed by their own terms and policies.
5. Coaching, Mentorship, and Consulting
Any coaching, mentorship, consulting, or strategy services offered by Joe Mendoza or Team Mendoza are designed to provide guidance, education, accountability, and professional development.
Coaching and mentorship do not replace legal, tax, accounting, investment, insurance, employment, real estate, or financial advice from licensed professionals. You are responsible for your own decisions and should consult qualified professionals before making business, investment, licensing, tax, legal, or financial decisions.
6. Real Estate and Investment Disclaimer
Any real estate, investing, business growth, wealth-building, or financial discussion provided through this website, coaching, speaking, content, or related materials is for educational and informational purposes only.
Nothing on this website is an offer to sell securities, a solicitation to buy securities, individualized investment advice, legal advice, tax advice, or financial planning advice.
Investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. You should consult qualified legal, tax, financial, and investment professionals before making any investment decision.
7. User Responsibilities
You agree to use this website lawfully and responsibly. You agree not to:
Submit false, misleading, or fraudulent information
Use the website for unlawful purposes
Attempt to gain unauthorized access to website systems
Interfere with website security or operation
Copy, scrape, reproduce, or exploit website content without permission
Upload malicious code, spam, or harmful material
Misrepresent your identity or affiliation
We reserve the right to restrict or terminate access to the website if we believe these Terms have been violated.
8. Intellectual Property
All website content, including text, graphics, branding, videos, downloads, logos, page layouts, images, materials, and other content, is owned by or licensed to Team Mendoza / Joe Mendoza unless otherwise stated.
You may view and use the website for personal, non-commercial, informational purposes. You may not copy, reproduce, distribute, modify, sell, publish, or create derivative works from our content without written permission.
Third-party names, trademarks, and logos, including XCEL Solutions, belong to their respective owners.
9. Payments and Refunds
If coaching, consulting, mentorship, speaking, events, or other paid services are offered directly by Team Mendoza / Joe Mendoza, payment terms, refund terms, cancellation policies, and service details will be provided at or before purchase.
For courses, products, or services purchased through XCEL Solutions or another third-party platform, all payments, refunds, cancellations, access issues, and customer support matters are governed by that third party’s policies.
10. Website Availability
We aim to keep the website available and functional, but we do not guarantee uninterrupted access. The website may be unavailable due to maintenance, updates, technical problems, third-party service interruptions, or circumstances beyond our control.
We may update, modify, suspend, or discontinue any part of the website at any time without notice.
11. Accuracy of Information
We work to provide accurate and useful information, but website content may contain errors, outdated information, omissions, or general statements that may not apply to your specific situation.
Insurance licensing requirements, continuing education rules, exam requirements, business regulations, real estate rules, and professional requirements may vary by state and may change over time. You are responsible for verifying current requirements with the appropriate state authority, licensing body, or service provider.
12. No Professional Relationship Created
Using this website, submitting a form, watching content, clicking a link, downloading material, or contacting us does not automatically create a coaching, consulting, fiduciary, investment advisory, legal, tax, insurance, real estate brokerage, or professional-client relationship.
Any formal coaching, consulting, speaking, or mentorship relationship must be confirmed through a separate agreement or written arrangement.
13. Limitation of Liability
To the fullest extent permitted by law, Team Mendoza / Joe Mendoza and its owners, employees, contractors, affiliates, partners, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of the website, reliance on website content, use of third-party links, participation in coaching or education resources, or inability to access the website.
Your use of the website is at your own risk.
14. Disclaimer of Warranties
The website and its content are provided “as is” and “as available.” We make no warranties, express or implied, regarding website operation, accuracy, completeness, availability, security, merchantability, fitness for a particular purpose, or non-infringement.
15. Indemnification
You agree to defend, indemnify, and hold harmless Team Mendoza / Joe Mendoza and its owners, employees, contractors, affiliates, partners, and service providers from any claims, damages, liabilities, costs, or expenses arising from your use of the website, violation of these Terms, misuse of content, or violation of any law or third-party right.
16. Testimonials and Endorsements
Testimonials, reviews, endorsements, and success stories reflect individual experiences. They do not guarantee that you will achieve the same or similar results.
We may edit testimonials for length, clarity, or formatting, but we will not intentionally change the meaning of the original statement.
17. Changes to These Terms
We may update these Terms at any time. The updated version will be posted on this page with a revised effective date. Your continued use of the website after changes are posted means you accept the updated Terms.
18. Governing Law
These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles. Any disputes shall be handled in the courts located in [Insert County and State], unless otherwise required by law.
19. Contact Us
For questions about these Terms, contact us at:
Team Mendoza / Joe Mendoza
Email: [email protected]
Address:Office:100 East San Marcos Boulevard, SUITE 400, San Marcos, 92069
Website: [Insert Website URL]