Terms of Service

Welcome to Spike Sales NOW! These Terms of Service (the “Terms”) govern your use of the website at spikesalesnow.com (the “Site”) and the products available through it, including the Advisor Toolkit membership (together, the “Services”), all operated by Spike Sales, LLC (“Spike,” “we,” “us”).

By using the Site, creating an account, or purchasing a membership, you agree to these Terms. If you don't agree, please don't use the Site.

One important distinction: if you engage Spike for marketing services (our monthly plans, one-time projects, or other client work), that engagement is governed by a separately signed Client Services Agreement — not these Terms. These Terms cover the Site and self-serve products only.

1. Who May Use the Site

You must be at least 18 years old and able to form a binding contract. If you use the Site on behalf of a business, you represent that you're authorized to bind that business, and “you” includes it.

2. Accounts

Some features require an account. You agree to provide accurate information, keep your credentials confidential, and notify us promptly of any unauthorized use. You're responsible for activity under your account. We may suspend or terminate accounts that violate these Terms.

3. Advisor Toolkit Membership

3.1 What it is.The Advisor Toolkit is a paid membership that gives you access to a library of prompts, templates, courses, and related resources for financial professionals (the “Toolkit Content”).

3.2 Pricing and billing.The Toolkit is offered at $30 per month or $300 per year (pricing may change as described below). Payment is processed by Stripe; we don't store your full card details. Your subscription renews automatically at the end of each billing period, and your payment method is charged at the then-current rate, until you cancel.

3.3 Cancellation. You may cancel anytime through your account or by emailing spike@spikesalesnow.com. Cancellation takes effect at the end of the current billing period; you keep access until then. Except where the law requires otherwise, fees already paid are non-refundable — including partial months or years after cancellation.

3.4 Price changes.We may change subscription pricing with at least thirty (30) days' notice (by email or in-product notice) before the change applies to your next renewal. If you don't agree, cancel before the renewal.

3.5 License to Toolkit Content. While your subscription is active, we grant you a personal, non-exclusive, non-transferable license to access the Toolkit Content and to use it in your own business — including adapting prompts and templates for your own clients and marketing. You may notresell, redistribute, publish, share access to, or use the Toolkit Content to build a competing product, and you may not share your login with others. One subscription = one user, unless we've agreed otherwise in writing.

3.6 Content changes.We add, revise, and occasionally retire Toolkit Content. We don't guarantee that any particular item will remain available.

4. Not Professional Advice

The Site and Toolkit Content are educational and marketing resources only. Nothing on the Site is legal, compliance, investment, tax, accounting, or insurance advice. You are solely responsible for reviewing anything you create with our resources — including AI-generated output from our prompts — for accuracy and for compliance with the laws and rules that apply to you (including, if applicable, SEC and FINRA rules, state insurance regulations, and the FTC's advertising and endorsement rules) before you use it. Your compliance department, broker-dealer, or counsel has the final word — not us.

5. Acceptable Use

You agree not to: (a) violate any law or third-party right while using the Services; (b) probe, scan, or breach the Site's security, or interfere with its operation; (c) scrape, harvest, or bulk-download the Site or Toolkit Content, including for training machine-learning models; (d) upload malicious code; (e) misrepresent your identity or affiliation; or (f) use the Services to send spam or unlawful communications.

6. Intellectual Property

The Site and its content — including the Spike Sales NOW! name, logos, design, text, graphics, videos, courses, prompts, and templates — are owned by Spike or its licensors and are protected by intellectual-property laws. Except for the license in Section 3.5, no rights are granted to you. Don't use our trademarks without written permission.

If you send us feedback or suggestions, we may use them without restriction or obligation to you.

7. Third-Party Services and Links

The Services rely on third-party providers (for example, Clerk for authentication, Stripe for payments, cloud hosting and infrastructure providers such as Vercel and Amazon Web Services, and our CRM and course-hosting platforms — which may change as our operations evolve), and the Site may link to third-party websites. We're not responsible for third-party services or sites; your use of them is governed by their own terms.

8. Booking and Communications

If you submit a form, book a call, or otherwise share your contact information, you agree that we may contact you about your inquiry and our services by email or phone. Marketing emails always include an unsubscribe link. See our Privacy Policy for details on how we handle your information.

8A. SMS / Text Messaging Terms

These terms apply if you opt in to receive text messages from Spike Sales NOW! (the “SMS Program”):

• What you'll receive. By opting in — for example, by submitting a form on the Site, booking a call, or texting us a keyword — you consent to receive text messages from us at the number you provided. Depending on your opt-in, messages may include replies to your inquiry, appointment confirmations and reminders, account and service notifications, and (only if you expressly consented) marketing and promotional messages.
• Consent is not a condition of purchase. You can buy anything we sell without agreeing to receive texts.
• Message frequency varies. The number of messages depends on your interaction with us.
• Message and data rates may apply, according to your mobile carrier plan.
• Opt out anytime. Reply STOP to any message to cancel. You'll receive one final confirmation message, after which you won't receive further texts unless you opt in again.
• Help. Reply HELP to any message, or email spike@spikesalesnow.com.
• Carriers. Mobile carriers are not liable for delayed or undelivered messages. Supported carriers may change without notice.
• Your number. You represent that the number you provide is yours, and you agree to notify us if you change or give up that number.
• Privacy. SMS opt-in data and consent are never shared with third parties for marketing purposes — see the Privacy Policy.

9. Disclaimers

The Site and Services are provided “as is” and “as available.” To the maximum extent permitted by law, Spike disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the Site will be uninterrupted, error-free, or secure, or that the Toolkit Content will produce any particular business result. Marketing outcomes depend on many factors outside our control — nothing here is a guarantee of leads, clients, or revenue.

10. Limitation of Liability

To the maximum extent permitted by law: (a) Spike will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data; and (b) Spike's total aggregate liability arising out of or relating to the Site or the Services will not exceed the greater of (i) the amounts you paid us in the twelve (12) months before the claim arose, or (ii) one hundred dollars ($100). Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.

11. Indemnification

You will indemnify and hold Spike harmless from claims and losses arising out of your violation of these Terms, your misuse of the Services, or your violation of any law or third-party right — including any claim arising from marketing materials you created using our resources.

12. Termination

We may suspend or terminate your access to the Services if you breach these Terms, and we may discontinue any part of the Site with reasonable notice. Sections 4, 6, and 9–15 survive termination. If we terminate your paid subscription without cause, we'll refund the prorated unused portion of prepaid fees — that's the exception to Section 3.3.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to conflicts-of-law rules. Any dispute will be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to their jurisdiction. Before filing a claim, you agree to contact us first and give us thirty (30) days to try to resolve the issue informally.

14. Changes to These Terms

We may update these Terms from time to time. We'll post the updated version with a new “Last updated” date and, for material changes affecting paid subscribers, provide notice by email or in-product message. Continued use after changes take effect means you accept them.

15. Contact

Spike Sales, LLC
34145 Pacific Coast Highway, #615
Dana Point, CA 92629
spike@spikesalesnow.com