Debt Ditcher Academy (DDA) Terms & Conditions

Last Updated: January 19, 2026

These Terms & Conditions (“Terms”) govern your participation in Debt Ditcher Academy (“Program”), operated by Madison J LLC (“Company,” “we,” “us,” or “our”). By purchasing, enrolling in, or participating in the Program, you (“Client,” “Participant,” “you,” or “your”) agree to these Terms.

If you do not agree with these Terms, do not purchase or participate in the Program.

1) Program Overview

Debt Ditcher Academy is an 8-week group coaching and educational program designed to support your personal finance growth, including building a debt payoff plan, aligned spending habits, and wealth-building foundations.

The Program may include, depending on your enrollment tier:

Weekly group coaching calls and/or live trainings

Digital curriculum (video lessons, worksheets, templates, calculators)

Community access (e.g., group chat, platform community)

Additional resources, bonuses, or guest trainings

Support via chat or email (as outlined in your purchased tier)

Program dates, curriculum, and delivery methods may be updated at the Company’s discretion to improve participant experience.

2) Educational Purpose Only (Not Financial Advice)

You understand and agree that:

The Program is provided for educational and informational purposes only.

The Company is not a financial advisor, broker, tax professional, or attorney, and does not provide regulated financial advice.

You are solely responsible for your financial decisions, actions, and results.

Any examples, debt payoff claims, financial outcomes, or success stories shared are not guarantees of your results.

You agree to consult with a qualified professional before making financial decisions related to your specific situation.

3) Eligibility + Personal Responsibility

By enrolling, you confirm that:

You are at least 18 years old

You are mentally and emotionally able to participate in the Program

You will take full responsibility for your participation, actions, and results

You acknowledge that your results depend on many factors, including your income, expenses, debts, consistency, and implementation.

4) Payment Terms

You agree to pay the full Program investment listed at checkout, either:

Paid in full, or

Through an approved payment plan

If you choose a payment plan:

You authorize recurring charges according to the schedule shown at checkout

You agree to maintain an active payment method on file

You remain responsible for all payments, even if you stop participating

Failed payments: If a payment fails, you will have a limited time to update your payment method. If payment is not resolved, your access may be paused or revoked until your account is current.

Chargebacks: Initiating a chargeback or payment dispute is a violation of these Terms. The Company reserves the right to revoke access immediately and pursue collection of outstanding balances.

5) Refund Policy (All Sales Final)

Due to the nature of digital education and group coaching, all sales are final and no refunds will be issued.

This includes (but is not limited to):

Not attending calls

Not using the resources

“Not having time” to participate

Disliking the material or delivery style

Results not meeting expectations

You are responsible for choosing to participate fully and implementing the work.

6) Lifetime Access to Program Materials

Unless otherwise stated at purchase, you will receive lifetime access to the Program materials and training videos, meaning access for as long as the Program exists and remains available.

You understand that:

The Company may update, replace, remove, or modify materials over time

Platforms and delivery methods may change

“Lifetime access” refers to the life of the Program, not your lifetime as an individual

Community access (if included) may be time-limited and may expire after the Program ends.

7) Calls, Scheduling, and Replays

If your Program includes live calls:

Call dates/times will be provided in advance

You are responsible for attending live or watching the replay (if provided)

Replays may be available for a limited time, depending on your enrollment tier

The Company does not guarantee that every call will have a replay (for example, due to tech issues).

8) Participant Conduct + Community Standards

Debt Ditcher Academy is a supportive and respectful space.

You agree to:

Treat other participants with respect

Avoid harassment, hate speech, bullying, discrimination, or harmful behavior

Keep discussions supportive and not disruptive

Not solicit or promote unrelated services inside the community

The Company reserves the right to remove you from the Program and community without refund if you violate these standards.

9) Confidentiality

We respect your privacy, and you agree to respect the privacy of others.

You may not:

Share screenshots, recordings, or private discussions from the Program community

Disclose personal information shared by other participants

You understand that group coaching is a shared environment and cannot be guaranteed as fully confidential. You participate at your own discretion.

10) Intellectual Property + Use of Materials

All Program materials are owned by the Company and protected by copyright.

You may not:

Copy, reproduce, share, sell, distribute, or republish Program content

Record calls (unless you receive written permission)

Share templates, calculators, worksheets, or training videos with non-participants

Use materials to create your own competing program or offer

You are granted a limited, personal, non-transferable license for individual use only.

Violation of this policy may result in immediate removal from the Program without refund and potential legal action.

11) Technology + Platform Responsibility

You are responsible for:

Having reliable internet access

Access to the platform(s) used for DDA (Zoom, course portal, community platform, etc.)

Ensuring you can open and use program resources

The Company is not responsible for participant-side tech limitations.

12) Testimonials + Client Permission

By participating, you agree that the Company may request testimonials or feedback. You may choose whether or not to provide one.

If you submit a testimonial, review, or written feedback, you grant the Company permission to use it for marketing purposes, including:

Website

Social media

Emails

Sales pages

Ads

The Company will never share private financial details without your consent.

13) No Guarantees

You acknowledge that the Company does not guarantee:

Specific debt payoff results

Income increases

Credit score changes

Investment growth

Financial outcomes of any kind

Success depends on your personal implementation and circumstances.

14) Limitation of Liability

To the maximum extent permitted by law:

The Company is not liable for any direct or indirect damages related to your participation in the Program

You agree to hold the Company harmless for any outcomes related to your financial decisions

The Company’s liability is limited to the amount you paid for the Program

15) Termination of Access

The Company reserves the right to terminate or suspend your access to the Program if:

Payments fail or remain unpaid

You violate community standards

You violate the intellectual property policy

You engage in harassment, harmful behavior, or illegal activity

No refunds will be issued in these cases.

16) Dispute Resolution

If a dispute arises, you agree to attempt resolution in good faith by contacting the Company first at: [email protected].

If resolution cannot be reached, you agree that any dispute will be pursued in accordance with the laws and venue of the State of Arizona.

17) Governing Law

These Terms are governed by the laws of Arizona, without regard to conflict of law principles.

18) Updates to These Terms

The Company may update these Terms at any time. By continuing to participate, you agree to the updated Terms.

19) Contact

Madison Aldini
Email: [email protected]
Website: www.madisonaldini.com

Consent + Agreement

By purchasing and participating in Debt Ditcher Academy, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.