Legal Document

Terms of Service

Bravo Financial & AI Digital Solutions
Last Updated: April 22, 2025  |  Effective Date: April 22, 2025

1. Agreement to Terms

By accessing or using the website at hub.bravoaisystems.com and any related services, programs, or platforms operated by Bravo Financial & AI Digital Solutions ("Bravo," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our services.

These Terms apply to all visitors, users, clients, and members, including those who enroll in the $47 Skool Membership, the Ultimate Business Solution program, or the VIP Done-For-You program.

2. Our Services

Bravo Financial & AI Digital Solutions provides the following programs and services:

$47 Skool Membership

Monthly membership community at Skool.com. Includes access to business education content, first 3 classes free, office hours every 2 weeks. Content-only — does not include software or done-for-you services. Billed at $47/month after the free trial period.

Ultimate Business Solution — $2,997 + $247/mo + Ad Costs

Complete business setup including entity formation guidance, business credit/funding strategy, website, CRM, 24/7 Sophia AI phone system, conversation AI, and access to 5 apps: Bravo Service Suite, Bravo Studio Pro, Pathfinder Profit Unlock, Vault Guardian, and Biz Minute Pro. Includes weekly mentoring. This is a done-WITH-you program — client participation is required. Ad costs are separate and paid directly to advertising platforms.

VIP Done-For-You — $3,997 + $997/mo + Ad Costs

Full-service program where Bravo handles implementation on your behalf. Includes all features of the Ultimate Business Solution plus hands-on execution. Ad costs are separate and paid directly to advertising platforms.

Free Books & Lead Magnets

Digital books including "Built to Last," "Bringing Martial Arts to the 21st Century," and "The Business Owner's Money Playbook" are provided free of charge in exchange for your contact information. By requesting a free book, you consent to receiving follow-up communications from Bravo.

3. Payment Terms

  • All prices are listed in US dollars.
  • One-time fees are due at the time of enrollment or purchase.
  • Monthly recurring fees are billed automatically on the same day each month.
  • Payments are processed securely through Stripe. By providing payment information, you authorize us to charge your payment method for the agreed amounts.
  • Failure to pay monthly fees may result in suspension or termination of access to services.
  • Ad costs are not included in program fees and are paid directly to advertising platforms (Facebook, Google, etc.) by the client.

4. Refund Policy

$47 Skool Membership: You may cancel at any time. No refunds are issued for the current billing period. Cancellation takes effect at the end of the current billing cycle.

Ultimate Business Solution ($2,997 setup fee): Due to the nature of the done-with-you service and the time invested in onboarding, setup fees are non-refundable once onboarding has begun. Monthly fees ($247/mo) may be cancelled with 30 days written notice.

VIP Done-For-You ($3,997 setup fee): Setup fees are non-refundable once work has commenced. Monthly fees ($997/mo) may be cancelled with 30 days written notice.

Exceptions: Refund requests due to documented technical failure on our part will be reviewed on a case-by-case basis. Contact [email protected] within 7 days of the issue.

5. No Guarantee of Results

Bravo Financial & AI Digital Solutions provides business education, tools, systems, and consulting. We do not guarantee specific financial results, revenue increases, lead generation outcomes, or business success. Results depend on many factors including your effort, market conditions, industry, and implementation of strategies.

Any income examples, case studies, or testimonials shared are for illustrative purposes only and are not guarantees of what you will achieve. Individual results will vary.

6. Client Responsibilities

As a client or member, you agree to:

  • Provide accurate and complete information during onboarding and throughout the program
  • Actively participate in done-with-you programs as required
  • Keep your login credentials confidential and not share access with others
  • Use our services only for lawful business purposes
  • Not copy, reproduce, resell, or redistribute our proprietary content, systems, or materials without written permission
  • Maintain a professional and respectful demeanor in all community spaces including Skool

7. Intellectual Property

All content on our website and within our programs — including but not limited to training materials, videos, books, templates, scripts, systems, the Bravo AI System, Sophia AI, and app software — is the intellectual property of Bravo Financial & AI Digital Solutions and is protected by copyright law.

You are granted a limited, non-exclusive, non-transferable license to use program materials for your own personal business use only. You may not share, sell, distribute, or create derivative works from our content without written permission.

8. Termination

We reserve the right to suspend or terminate your access to any program or service at our discretion if you violate these Terms, engage in fraudulent activity, abuse our staff or community members, or fail to make required payments. In cases of termination for cause, no refunds will be issued.

You may cancel your membership or monthly services at any time by contacting us at [email protected] with 30 days written notice.

9. Limitation of Liability

To the maximum extent permitted by law, Bravo Financial & AI Digital Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising from your use of or inability to use our services.

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the total amount you paid to us in the 3 months preceding the claim.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranty regarding the accuracy or completeness of any content.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in California, except that either party may seek injunctive relief in a court of competent jurisdiction.

12. Changes to These Terms

We reserve the right to update these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. Continued use of our services after changes are posted constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Contact Us

For questions about these Terms of Service, contact us at:

Bravo Financial & AI Digital Solutions

Email: [email protected]

Website: hub.bravoaisystems.com

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