Terms and Conditions

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Preppy Prep LLC
 

Effective Date: May 6, 2026

Welcome to Preppy Prep. These Terms and Conditions (“Terms”) govern your use of the Preppy Prep LLC website, educational services, courses, events, memberships, digital products, and related services (collectively, the “Services”).

By accessing or using our Services, registering for classes, purchasing products, attending events, or interacting with our content, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services.

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1. Company Information

Preppy Prep LLC (“Preppy Prep,” “Company,” “we,” “our,” or “us”) is an educational company providing investing and financial literacy education.

Preppy Prep LLC is organized under the laws of the State of Oklahoma.

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2. Educational Purposes Only

Preppy Prep content is designed to:

• improve financial literacy;

• encourage educational discussion; and

• support independent learning.

Users remain solely responsible for their own financial decisions and outcomes.

All content, classes, materials, presentations, discussions, coaching, workshops, webinars, and educational resources provided by Preppy Prep are intended solely for educational and informational purposes.

Preppy Prep does NOT:

• provide personalized investment advice;

• act as a registered investment advisor;

• act as a broker-dealer;

• provide legal, tax, accounting, or fiduciary services; or

• recommend specific securities or investment strategies for individual circumstances.

You acknowledge that:

• investing involves risk;

• financial markets fluctuate;

• losses may occur, including loss of principal; and

• past performance does not guarantee future results.

You should consult qualified licensed professionals before making financial, tax, or investment decisions.
Preppy Prep does not provide:

• personalized investment advice;

• securities recommendations;

• portfolio management;

• legal advice;

• tax advice;

• accounting advice; or

• fiduciary services.

Nothing presented by Preppy Prep should be interpreted as:

• a recommendation to buy or sell securities;

• individualized financial planning; or

• professional investment guidance.

Participants should consult licensed professionals before making financial or investment decisions.
 

Participation in Preppy Prep Services does not create:

• an advisor-client relationship;

• fiduciary relationship;

• brokerage relationship; or

• professional advisory relationship.

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3. No Guarantees or Earnings Claims

Preppy Prep makes no guarantees regarding:

• investment performance;

• financial success;

• profitability;

• income generation;

• wealth creation; or

• future financial outcomes.

Any examples, illustrations, hypothetical scenarios, testimonials, or educational demonstrations are provided solely for illustrative purposes and should not be interpreted as guarantees or promises of results.

Individual results will vary.

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4. Eligibility

By using our Services, you represent that:

• you are at least 18 years old; or

• you are using the Services under the supervision and consent of a parent or legal guardian.

We reserve the right to refuse service to anyone at our sole discretion.

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5. Registration and Account Responsibilities

If you create an account with Preppy Prep, you agree to:

• provide accurate and current information;

• maintain the security of your login credentials;

• accept responsibility for all activities occurring under your account; and

• promptly notify us of unauthorized use.

Preppy Prep is not responsible for losses resulting from unauthorized access to your account.

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6. Payments and Billing

All prices are listed in U.S. dollars unless otherwise stated.

By purchasing Services, you agree to:

• provide valid payment information;

• authorize applicable charges;

• pay all fees associated with your purchases; and

• comply with any payment terms presented at checkout.

Preppy Prep reserves the right to:

• modify pricing at any time;

• refuse or cancel orders; and

• suspend Services for unpaid balances.

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7. Refund and Cancellation Policy

Unless otherwise stated in writing:
   A. In-Person Classes and Events Standard Cancellation Policy

Customers may request cancellation of in-person classes, workshops, seminars, or group instruction sessions subject to the following terms:

• Cancellations requested at least thirty (30) calendar days before the scheduled event may qualify for:

  • a full refund; or

  • a transferable account credit.

• Cancellations requested fewer than seven (30) calendar days before the event may not qualify for refunds.

• No-shows are non-refundable.

 

Event Rescheduling

Preppy Prep may allow rescheduling at its sole discretion depending on:

• class availability;

• event capacity; and

• timing of the request.

Rescheduling is not guaranteed.
 

In-Person Events and Classes

• Cancellations made at least 14 days before the event may qualify for a refund or credit.

• Cancellations within 14 days of an event may not be eligible for refunds.

• No-shows are generally non-refundable.

Digital Products and Online Courses

Due to the digital nature of educational content, purchases of downloadable materials, online courses, memberships, and digital products are generally non-refundable unless otherwise stated.

Preppy Prep reserves the right to evaluate refund requests on a case-by-case basis.
 

B. Digital Products and Online Educational Content

Due to the immediate access and downloadable nature of digital educational materials, the following are generally non-refundable:

• online courses;

• recorded webinars;

• downloadable PDFs;

• curriculum packages;

• worksheets;

• templates;

• digital memberships; and

• educational downloads.

Exceptions may be considered only in cases involving:

• duplicate purchases;

• technical access failures caused by Preppy Prep; or

• legal requirements under applicable consumer protection laws.
  
  C. Memberships and Subscription Services

• If Preppy Prep offers recurring memberships or subscription-based services:

• customers may cancel future renewals at any time;

• cancellations do not generate retroactive refunds for prior billing periods; and

• access may continue through the end of the current billing cycle.

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  D. Organization, School, and Group Bookings

• Refunds for:

• schools;

• churches;

• companies;

• organizations; or

• private group events

• may be governed by separate written agreements or service contracts.

• Deposits for reserved group instruction dates may be non-refundable unless otherwise stated in writing.
   

• E. Company-Initiated Cancellations

• If Preppy Prep cancels an event or class due to:

• instructor unavailability;

• low enrollment;

• weather;

• emergencies; or

• unforeseen circumstances,

• customers may receive:

• a refund;

• rescheduling opportunity; or

• transferable credit.

• Preppy Prep is not responsible for:

• travel expenses;

• lodging costs;

• lost wages; or

• other incidental expenses.
   

• F. Refund Processing

• Approved refunds are typically processed within 7–14 business days depending on:

• payment provider processing times; and

• financial institution policies.

• Refund timing cannot be guaranteed.
   

• G. Chargebacks

• Customers agree to contact Preppy Prep before initiating payment disputes or chargebacks.

• Fraudulent or abusive chargebacks may result in:

• account suspension;

• denial of future services; and

• collection efforts where permitted by law.

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8. Intellectual Property Rights

All content provided by Preppy Prep, including but not limited to:

• logos;

• branding;

• course materials;

• worksheets;

• videos;

• graphics;

• presentations;

• curriculum;

• written content;

• downloads; and

• website materials

are the exclusive property of Preppy Prep LLC and are protected by applicable copyright, trademark, and intellectual property laws.

You may not:

• copy;

• reproduce;

• distribute;

• modify;

• republish;

• sell;

• share;

• upload; or

• commercially exploit

any Preppy Prep materials without prior written permission.

All educational materials are licensed for personal, non-commercial use only.

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9. Prohibited Conduct

You agree not to:

• use the Services for unlawful purposes;

• infringe on intellectual property rights;

• interfere with website functionality;

• harass or disrupt instructors or participants;

• impersonate another person or entity;

• upload malicious software or harmful code; or

• attempt unauthorized access to systems or accounts.

Preppy Prep reserves the right to terminate access for violations of these Terms.

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10. Classroom, Webinar, and Community Conduct

Preppy Prep strives to maintain a respectful, professional, and educational environment.

Participants may be removed from:

• classes;

• webinars;

• live events;

• group sessions; or

• online communities

for disruptive, abusive, threatening, discriminatory, or inappropriate conduct without refund.

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11. Recording and Media Consent

Preppy Prep may record:

• webinars;

• virtual sessions;

• classes;

• workshops; and

• live educational events

for educational, quality assurance, promotional, or business purposes.

By participating in our Services, you consent to possible recording and use of your voice, image, likeness, comments, or participation unless prohibited by law.

If you do not wish to appear in recordings, please notify us in advance.

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12. Third-Party Links and Resources

Our website or educational materials may contain links to third-party websites, products, or services.

Preppy Prep is not responsible for:

• third-party content;

• accuracy;

• availability;

• practices; or

• policies.

Use of third-party resources is at your own risk.
 

Educational materials may reference:

• publicly available financial information;

• third-party tools;

• market examples; or

• external resources.

Preppy Prep does not guarantee the accuracy, completeness, or reliability of third-party information.

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13. Disclaimer of Warranties

The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied.

Preppy Prep disclaims all warranties, including but not limited to:

• merchantability;

• fitness for a particular purpose;

• non-infringement; and

• uninterrupted availability.

We do not guarantee that:

• the Services will be error-free;

• access will be uninterrupted; or

• content will always be accurate or current.

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14. Limitation of Liability

To the fullest extent permitted by law, Preppy Prep LLC and its owners, employees, instructors, affiliates, and representatives shall not be liable for:

• indirect damages;

• incidental damages;

• consequential damages;

• loss of profits;

• loss of data;

• investment losses; or

• financial damages

arising from or related to use of the Services.

Your use of the Services is solely at your own risk.

In jurisdictions where limitations of liability are restricted, liability shall be limited to the maximum extent permitted by law.

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15. Indemnification

You agree to defend, indemnify, and hold harmless Preppy Prep LLC and its affiliates from claims, damages, liabilities, costs, and expenses arising from:

• your use of the Services;

• violation of these Terms;

• misuse of educational materials; or

• violation of applicable laws or third-party rights.

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16. Privacy

Your use of our Services is also governed by our Privacy Policy.

By using our Services, you consent to the collection and use of information consistent with our Privacy Policy.

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17. Modifications to Terms

Preppy Prep reserves the right to modify these Terms at any time.

Updated Terms become effective upon posting to the website.

Continued use of the Services after changes constitutes acceptance of revised Terms.

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18. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Oklahoma, without regard to conflict of law principles.

Any disputes arising from these Terms or the Services shall be resolved in the appropriate courts located in Oklahoma.

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19. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

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20. Contact Information

Preppy Prep LLC
Tulsa, Oklahoma, USA

Website: Preppy Prep

For questions regarding these Terms, please contact us through the website contact form or official business communication channels.

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