These Terms of Service (“Terms”) govern your access to and use of all websites, applications, and services operated by S Groups, Inc., including sgroups.com and my.sgroups.com (collectively, the “Platform”).

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Scope of Services
The Platform provides information, member services, account access, scheduling, payments, private messaging, and other features related to S Groups’ programs and services.

2. Eligibility and Accounts
You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Accounts are non-transferable.

3. Acceptable Use
You agree to use the Platform lawfully and responsibly. You may not misuse the Platform, interfere with its operation, access accounts without authorization, harass or abuse others, or use the Platform for unlawful or prohibited purposes.

4. Payments and Billing
Fees for services, memberships, consultations, or subscriptions are disclosed at the time of purchase. Payments are processed through third-party payment processors. Subscription or recurring billing terms, cancellation policies, and refund terms are presented at checkout or during enrollment.

5. Messaging and Communications
The Platform may allow private messaging between users and service providers. Messages are stored and processed to provide services and for legal or operational purposes. Confidentiality of messages cannot be guaranteed.

6. Scheduling and Consultations
Bookings, appointments, and consultations are subject to availability and applicable cancellation or rescheduling policies disclosed at the time of booking. We do not guarantee outcomes or results from any service.

7. Content and User Submissions
You retain ownership of content you submit, including messages and profile information. By submitting content, you grant S Groups a limited license to use it solely to operate and provide the Platform and related services.

8. Intellectual Property
All Platform content, trademarks, logos, designs, software, and materials are owned by S Groups or its licensors and may not be used without permission.

9. Disclaimers
The Platform is provided on an “as is” and “as available” basis. We make no warranties regarding availability, accuracy, or fitness for a particular purpose. The Platform does not provide medical or legal advice.

10. Limitation of Liability
To the maximum extent permitted by law, S Groups shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of the Platform.

11. Termination
We reserve the right to suspend or terminate access to the Platform at our discretion, with or without notice, for violations of these Terms or for any lawful reason.

12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California. Any disputes shall be resolved through binding individual arbitration in California, except where prohibited by law.

13. Changes to These Terms
We may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

14. Contact Information
Questions regarding these Terms may be directed to support@sgroups.com.