Important Notice

Individual courses offered through this Website may have additional or course-specific terms and conditions. Any such course-specific terms will be presented to you at checkout and linked within the applicable checkout page. In the event of a conflict between these Terms and any course-specific terms, the course-specific terms shall govern with respect to that course.

1. Agreement to Terms

By accessing or using the website located at https://immigration-courses.com/ (the "Website"), purchasing any product or service, or enrolling in any course offered by Botelho Financial Group LLC, you agree to be legally bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms in their entirety, you must immediately cease use of this Website and refrain from purchasing any products or services.

These Terms constitute a legally binding agreement between you ("User," "Student," or "you") and Botelho Financial Group LLC, a Massachusetts Limited Liability Company ("Company," "we," "us," or "our"), with its principal place of business at 901 Eastern Ave., Suite 4, Fall River, MA 02723.

2. About This Website and the Company

This Website is owned and operated by Botelho Financial Group LLC, a separate legal entity from Botelho Law Group PLLC. Botelho Financial Group LLC provides access to online educational content, digital products, and informational resources related to U.S. immigration processes and related topics.

Products and services offered through this Website include, but are not limited to:

3. Eligibility and Age Requirements

3.1 Minimum Age

You must be at least eighteen (18) years of age to access this Website, create an account, or purchase any product or service. By using this Website, you represent and warrant that you are at least 18 years of age.

3.2 Minors

This Website is not intended for use by individuals under the age of 18. If you are under 18 years of age, you are prohibited from using this Website without verified parental or legal guardian consent. We reserve the right to terminate any account we discover belongs to a minor and to refuse service to any individual who does not meet the minimum age requirement.

3.3 Capacity to Contract

By using this Website and agreeing to these Terms, you represent and warrant that you have the legal capacity to enter into a binding agreement and that you are not prohibited from doing so under any applicable law.

4. Accounts and Access

4.1 Account Creation

To access certain products and services, you may be required to create an account through our course platform operated by Kajabi. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your account login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account at info@immigration-courses.com.

4.3 No Credential Sharing

You are strictly prohibited from sharing your account login credentials or providing access to course materials to any third party. Each purchase grants access to one individual user only. Any sharing of login credentials constitutes a material breach of these Terms and may result in immediate termination of your access.

4.4 Account Termination

We reserve the right to suspend or terminate your account and access to any products or services at any time, with or without notice, if we determine, in our sole discretion, that you have violated these Terms or engaged in any conduct that is harmful to the Company, other users, or third parties.

5. Course Access and Duration

5.1 Access Period

Upon purchase of any course, you will be granted access to course materials for a period of three (3) years from the date of purchase ("Access Period"), subject to these Terms and continued compliance with all applicable policies.

5.2 No Permanent Ownership

The purchase of a course does not grant you any permanent ownership of the course materials. Access is provided as a limited license as described in Section 7 of these Terms.

5.3 Expiration of Access

Upon expiration of the three (3) year Access Period, your access to course materials will terminate automatically. We are under no obligation to extend the Access Period or to notify you of its impending expiration.

5.4 No Guarantee of Continued Availability

We reserve the right to modify, update, or discontinue any course or course content at any time. While we will make reasonable efforts to maintain course availability, we do not guarantee that all content will remain available for the full duration of the Access Period.

5.5 Course-Specific Terms

Individual courses may be subject to additional terms and conditions beyond those set forth in these general Terms. Any course-specific terms will be made available to you at the point of purchase and linked directly from the applicable checkout page. You are responsible for reviewing all applicable terms prior to completing any purchase.

6. Payment Terms

6.1 Pricing

All prices for products and services offered on this Website are listed in U.S. dollars. We reserve the right to modify pricing at any time without prior notice. Pricing changes will not affect purchases that have already been completed.

6.2 Primary Payment Processor

Payments are processed through Kajabi Payments, the integrated payment system of our course platform, Kajabi. Kajabi Payments is powered by Stripe on the backend and operates in accordance with Stripe's payment infrastructure and security standards. By completing a purchase, your transaction is subject to both Kajabi's Terms of Service and Stripe's Terms of Service. Botelho Financial Group LLC does not store payment card information directly.

6.3 Payment Options

The following payment options may be available at checkout depending on the course or product:

6.4 Authorization

By providing payment information, you represent and warrant that you are authorized to use the payment method provided and that you authorize all applicable charges in connection with your selected payment option.

6.5 Failed or Missed Payments

(a) Payment Plans: If any scheduled installment payment fails or is declined, your access to course materials may be suspended until the outstanding payment is successfully collected. If a failed payment is not resolved within ten (10) calendar days of the original failed charge date, Botelho Financial Group LLC reserves the right to permanently terminate your course access and refer the outstanding balance to collections. We will make reasonable efforts to notify you of a failed payment via the email address on file.

(b) Third-Party Financing: If you fail to meet your repayment obligations to Afterpay or Klarna, your dispute is solely with that financing provider. Botelho Financial Group LLC has already received payment in full and your access to course materials will not be affected by any dispute or default with a third-party financing provider, provided your account is otherwise in good standing.

6.6 No Refunds on Payment Plans

Payment plans are subject to the same no-refund policy described in Section 8. Enrolling in a payment plan does not create any right to cancel or receive a refund for amounts already paid or amounts remaining due. You remain obligated to pay all installments in full regardless of your use of, satisfaction with, or completion of the course.

7. Intellectual Property

7.1 Ownership

All content available on this Website, including but not limited to online courses, videos, written materials, templates, guides, downloads, graphics, logos, course structure, proprietary frameworks, and any other materials (collectively, the "Content"), is the sole and exclusive intellectual property of Botelho Financial Group LLC and is protected by United States and international copyright, trademark, and other applicable intellectual property laws. All rights, title, and interest in and to the Content remain with Botelho Financial Group LLC at all times.

7.2 Limited License

Upon purchase of a course or product, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Content solely for your own personal, non-commercial purposes during the applicable Access Period. This license does not grant you any ownership rights in the Content.

7.3 Prohibited Uses

You are strictly prohibited from:

7.4 Enforcement

Any unauthorized use of the Content constitutes a material breach of these Terms and a violation of applicable intellectual property laws. Such unauthorized use may result in immediate termination of your access, civil liability, and/or criminal penalties to the fullest extent permitted by law.

7.5 Third-Party Materials

We do not use any third-party copyrighted materials in our courses or content. All course content is original and exclusively owned by Botelho Financial Group LLC.

8. No-Refund Policy

8.2 Payment Plans — No Cancellation

Enrollment in a payment plan does not create a right to cancel your purchase or discontinue future installment payments. You are obligated to pay all scheduled installments in full, regardless of your use of or satisfaction with the course. Failure to pay scheduled installments may result in suspension or termination of your course access and may be referred to collections.

8.3 Technical Issues

If you experience a technical issue that prevents you from accessing purchased content, you must notify us within seven (7) days of purchase by contacting info@immigration-courses.com. We will make reasonable efforts to diagnose and resolve the issue and restore your access. Refunds will not be issued for technical issues that can be reasonably resolved.

8.4 Chargebacks

Initiating a chargeback or payment dispute with your bank, payment processor, or third-party financing provider in circumstances that do not constitute unauthorized use of your payment method, billing errors, or other grounds recognized as legitimate disputes under applicable consumer protection law is considered a breach of these Terms. Nothing in this section is intended to restrict your rights under applicable federal or state consumer protection laws. We reserve the right to dispute any such chargeback and to terminate your access to all course materials and services upon the initiation of an improper chargeback.

8.5 Confidence Credit Guarantee

Notwithstanding the no-refund policy stated above, students enrolled in The Marriage Green Card System course are eligible for the Confidence Credit Guarantee, the full terms of which are described in Section 9 of these Terms and at: https://portal.immigration-courses.com/confidence-guarantee/mgcs. The Confidence Credit Guarantee is not a refund. It is a credit toward legal services at a separate legal entity and does not alter the no-cash-refund policy of Botelho Financial Group LLC.

9. Confidence Credit Guarantee (The Marriage Green Card System Only)

https://portal.immigration-courses.com/confidence-guarantee/mgcs

9.1 Applicability

The Confidence Credit Guarantee applies exclusively to students enrolled in The Marriage Green Card System course. It does not apply to any other course, product, or service offered by Botelho Financial Group LLC.

9.2 What the Guarantee Provides

Within twelve (12) months of your enrollment date, you may elect to apply the full amount of your course investment as a credit toward full green card processing services only at Botelho Law Group PLLC. This credit is not a cash refund and has no cash value.

9.3 Credit Amount

9.4 Eligible Services

The Confidence Credit Guarantee credit may only be applied toward the following full green card processing services at Botelho Law Group PLLC:

9.5 Ineligible Services

The credit does not apply to and cannot be used toward:

9.6 Waivers Are Separate

If your case requires one or more immigration waivers (such as an I-601, I-601A, or I-212), those waivers are separate legal services billed independently by Botelho Law Group PLLC at full price. The Confidence Credit Guarantee credit will be applied to the green card processing portion only. Waivers are not included in or covered by this credit under any circumstances.

9.7 Eligibility Requirements

To be eligible for the Confidence Credit Guarantee:

There are no restrictions based on how much of the course you completed or whether you ever accessed the course.

9.8 Expiration

The Confidence Credit Guarantee expires twelve (12) months from your enrollment date. Requests submitted after this date will not be honored. No exceptions.

9.9 Limitation to Botelho Law Group PLLC Only

The credit can only be applied toward services at Botelho Law Group PLLC. It cannot be transferred to any other law firm or legal service provider.

9.10 Course Access Retained

Students who exercise the Confidence Credit Guarantee retain full access to all course materials for the remainder of their three (3) year Access Period. There is no penalty or restriction on course access resulting from exercising this guarantee.

9.11 No Cash Value

The Confidence Credit Guarantee has no cash value and cannot be redeemed for cash under any circumstances. All course sales remain final.

9.12 How to Request

To initiate the Confidence Credit Guarantee, contact support at:

10. Educational Disclaimer and Legal Notice

10.4 Immigration Law Complexity and Change

Immigration laws and policies are complex, fact-specific, and subject to frequent changes. While we strive to provide accurate and up-to-date information, we make no guarantees regarding the completeness, accuracy, or current applicability of any content at the time of your use.

10.6 Individual Case Differences

Every immigration case is unique. Information provided through courses and materials is general in nature and may not apply to your specific circumstances. Relying solely on general information without legal guidance may lead to unintended outcomes, delays, denials, or other adverse consequences.

10.7 Deadlines and Government Requirements

Immigration processes often involve strict deadlines and procedural requirements. You are solely responsible for tracking and complying with all applicable deadlines and submission requirements. Botelho Financial Group LLC is not responsible for missed deadlines or improperly filed applications.

10.8 User Responsibility for Filings

You are solely responsible for the accuracy, completeness, and truthfulness of any information you provide in immigration forms or applications.

10.9 No Review of User Submissions

Unless you have separately retained a licensed attorney through a formal engagement agreement with a law firm, no person affiliated with Botelho Financial Group LLC is reviewing your forms, documents, or submissions for legal sufficiency or accuracy.

10.10 Consultation Recommended

You are strongly encouraged to consult with a qualified immigration attorney regarding your individual case before taking or refraining from any action related to your immigration matter.

11. No Results Guarantee

Botelho Financial Group LLC makes no representations, warranties, or guarantees that you will achieve any particular result, outcome, or goal from use of this Website or any course or product purchased through it. Immigration outcomes depend on your individual facts and circumstances, the accuracy of your submissions, USCIS and government agency discretion, changes in law and policy, and many other factors beyond our control. Your results will vary. No specific outcome is promised or implied.

12. Testimonials and Results Disclosure

This Website may include testimonials, reviews, or statements from users of our products and services. These testimonials reflect the real-life experiences and opinions of individual users.

13. Community Guidelines and User Conduct

13.1 Community Access

Access to any private group, online forum, or course discussion community (collectively, the "Community") offered in connection with our courses is a privilege, not a right. Community access is subject to these Terms and the conduct standards set forth in this Section.

13.2 Prohibited Conduct

You agree not to use the Community to:

13.3 Revocation of Community Access

We reserve the right to remove content and to suspend or permanently revoke your Community access at any time, with or without notice. Revocation of Community access does not affect your access to purchased course materials.

13.4 No Obligation to Monitor

We are under no obligation to actively monitor the Community, but we reserve the right to do so and to take appropriate action in response to any content or conduct that violates these Terms.

14. Limitation of Liability

14.2 Cap on Liability

In the event that any liability of Botelho Financial Group LLC is established notwithstanding the foregoing, such liability shall be limited to the total amount you paid to Botelho Financial Group LLC for the specific product or service giving rise to the claim.

14.3 Disclaimer of Warranties

All content and services are provided "as is" and "as available," without warranties of any kind, either express or implied, including but not limited to implied warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, or non-infringement.

14.4 Jurisdictional Limitations

In jurisdictions that do not allow the exclusion or limitation of certain damages or warranties, liability shall be limited to the maximum extent permitted by applicable law.

15. Indemnification

You agree to indemnify, defend, and hold harmless Botelho Financial Group LLC, its members, managers, officers, employees, agents, affiliates, contractors, and successors from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

16. Immigration-Specific Risks and Acknowledgments

By accessing this Website and purchasing any products or services, you acknowledge, understand, and agree to the following:

16.1 No Guarantee of Immigration Outcomes

Immigration decisions are made solely by U.S. government agencies, including but not limited to USCIS, the Department of State, and immigration courts. Botelho Financial Group LLC has no control over these agencies, their decisions, or their processing timelines, and does not guarantee approvals, processing times, or any specific immigration results.

16.2 User Responsibility for Accuracy

You are solely responsible for the accuracy, completeness, and truthfulness of any information you provide in immigration forms or applications. Any errors, omissions, or misrepresentations may result in delays, denials, or other adverse consequences, including but not limited to potential immigration penalties, bars from future immigration benefits, or legal consequences.

16.3 Changing Laws and Policies

Immigration laws and policies may change at any time, including changes to eligibility requirements, procedures, fees, and enforcement priorities. You are responsible for independently verifying current requirements before taking any action.

16.4 Individual Case Differences

Every immigration case is unique. Information provided through courses and materials is general in nature and may not apply to your specific circumstances. Relying solely on general information without obtaining individualized legal guidance may lead to unintended outcomes.

16.5 Deadlines and Procedural Requirements

Immigration processes often involve strict deadlines and procedural requirements. You are solely responsible for tracking and complying with all applicable deadlines and submission requirements. Botelho Financial Group LLC is not responsible for missed deadlines or improperly filed or untimely applications.

16.6 No Review of Submissions

Unless you have separately retained a licensed attorney through a formal written engagement agreement with a law firm, no person affiliated with Botelho Financial Group LLC is reviewing your immigration forms, documents, or submissions for legal sufficiency, accuracy, or completeness.

16.7 Technical Requirements

Access to courses and materials requires a compatible device, active internet connection, and basic technical ability. Botelho Financial Group LLC is not responsible for issues arising from your equipment, internet access, or third-party platforms.

16.8 Use at Your Own Risk

By using this Website and its content, you acknowledge that you are proceeding at your own risk and accept full personal responsibility for any and all outcomes resulting from your use of the information provided.

17. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. You can review our Privacy Policy at: https://portal.immigration-courses.com/privacy-policy

18. Third-Party Services and Links

18.1 Course Platform

Our courses are hosted and delivered through Kajabi. By accessing course content, you may be subject to Kajabi's terms of service and privacy policies: kajabi.com/policies/terms and kajabi.com/policies/privacy.

18.2 Payment Processing

Payments are processed through Kajabi Payments, powered by Stripe. Your payment information is subject to both Kajabi's and Stripe's privacy and security policies.

18.3 Third-Party Financing

Buy Now, Pay Later financing options may be available at checkout through Afterpay and Klarna. Botelho Financial Group LLC is paid in full at the time of purchase when these services are used. Your repayment obligations are governed solely by your agreement with the applicable financing provider.

18.4 Analytics and Tracking Technologies

We use cookies and may use third-party tracking and analytics tools on this Website, which may include Meta Pixel (Facebook/Instagram), LinkedIn Insight Tag, and Google Analytics. For full details, please review our Privacy Policy.

18.5 Third-Party Links

This Website may contain links to third-party websites or resources for informational purposes. We are not responsible for the content, accuracy, or practices of any third-party websites and do not endorse them.

19. Governing Law and Jurisdiction

These Terms and any disputes arising out of or related to these Terms, this Website, or any products or services purchased through this Website shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, United States of America, without regard to its conflict of laws principles. Subject to the arbitration provisions in Section 20, any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Bristol County, Massachusetts.

20. Dispute Resolution and Arbitration

20.1 Informal Resolution

Before initiating any formal dispute resolution process, you agree to contact Botelho Financial Group LLC at info@immigration-courses.com and provide written notice of your dispute. The parties agree to attempt to resolve any dispute informally for a period of thirty (30) days from the date notice is received.

20.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms shall be resolved exclusively by final and binding arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures. Arbitration shall take place in Bristol County, Massachusetts, or at your option, by telephonic or video conference. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

20.3 Exceptions to Arbitration

Either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm, including but not limited to actions to protect intellectual property rights.

20.5 Jury Trial Waiver

To the fullest extent permitted by applicable law, you waive your right to a jury trial in connection with any dispute arising out of or related to these Terms or your use of this Website.

21. Modifications to Terms

21.1 Right to Modify

Botelho Financial Group LLC reserves the right to update, modify, or change these Terms and Conditions at any time, in its sole discretion, without prior notice.

21.2 Notice of Changes

Any updates will be posted on this Website with a revised "Last Updated" date at the top of these Terms and at https://portal.immigration-courses.com/Terms-&-Conditions. It is your responsibility to review these Terms periodically to stay informed of any changes.

21.3 Acceptance of Changes

Your continued use of the Website or any products or services after any updates or changes have been posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease use of the Website immediately.

21.4 Effect of Modifications on Existing Purchases

Any modifications to these Terms that materially and adversely affect the rights of students with respect to courses already purchased shall not apply to such students for the remainder of their existing Access Period, unless required by applicable law.

22. Miscellaneous

22.1 Entire Agreement

These Terms, together with the Privacy Policy, any course-specific terms presented at checkout, and any additional terms applicable to specific products or services, constitute the entire agreement between you and Botelho Financial Group LLC with respect to your use of this Website.

22.2 Severability

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

22.3 Waiver

The failure of Botelho Financial Group LLC to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

22.4 No Assignment

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Botelho Financial Group LLC. We may assign our rights and obligations freely without restriction.

22.5 Force Majeure

Botelho Financial Group LLC shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, changes in law or government regulation, or third-party platform outages.

22.6 Headings

Section headings in these Terms are for convenience only and have no legal or contractual effect.

23. Contact Information

23.5 Accessibility

Botelho Financial Group LLC is committed to ensuring that this Website and its course content are accessible to all users. If you experience any difficulty accessing any portion of this Website or our course materials due to a disability, please contact us at info@immigration-courses.com and we will make reasonable efforts to provide you with access in an alternative format or to otherwise accommodate your needs.

24. Acknowledgment