Updated: April 05, 2025

1. Acceptance of Terms

These Terms & Conditions (“Terms”) govern your use of oschao.com and Oschao’s AI-driven courses and tools (“Services”), offered by Oschao at 4808 14th St W, Bradenton, Florida 34207, United States. By accessing or purchasing Services, you (“User”) agree to these Terms. If you disagree, do not use our Services. We may revise these Terms, effective upon posting on oschao.com.

2. Service Overview

Oschao provides educational content—courses, guides, and tools—to help adults aged 35-65+ leverage AI for career shifts, income growth, and retirement planning. Outcomes depend on your effort; we don’t guarantee specific results (e.g., wealth or job offers).

3. Eligibility

You must be 18+ to use our Services, aligning with our focus on 35-65+ adults. By registering, you confirm your age and legal capacity. Use by those under 18 is prohibited and will result in account termination.

4. Account Registration

To access Services like the Career Shift Package, you’ll create an account with accurate details (e.g., name, email). You’re responsible for securing your login and all account activity. Notify us at [email protected] of any unauthorized access.

5. Fees and Payment

Pricing (e.g., $349 for Income Booster) is in U.S. dollars, including taxes, processed via secure third-party platforms. Plans may offer a 30-day trial; post-trial fees are non-refundable unless stated. We may adjust prices with notice on oschao.com.

6. Refunds and Cancellation

Cancel anytime via [email protected] or 941-751-2675. Refunds apply only within the 30-day trial (if offered), not for partial use or post-trial purchases, except where legally required (e.g., CCPA). Non-payment or Terms violations may lead to termination without refund.

7. User Responsibilities

You agree to:

  • Use Services legally and as intended.
  • Not copy, share, or resell course content (e.g., Retirement Ready Package).
  • Avoid hacking or disrupting oschao.com.
  • Provide truthful information, including age.
Breaches may result in suspension or legal action.

8. Intellectual Property

All Oschao content (videos, guides, tools) is our property or licensed to us, protected by U.S. copyright law. You may use it personally for learning, not for commercial redistribution without written consent.

9. Disclaimers

Services are “as is,” with no warranties beyond what law requires. We don’t promise uninterrupted access, error-free content, or specific outcomes (e.g., income increases). Third-party tool performance isn’t our responsibility.

10. Limitation of Liability

Oschao isn’t liable for indirect damages (e.g., lost profits) from Service use, to the fullest extent permitted by law. Our liability is capped at what you paid us in the last 12 months.

11. Indemnification

You’ll defend Oschao against claims arising from your misuse of Services, violation of Terms, or infringement of others’ rights, covering legal fees and damages.

12. Governing Law

These Terms follow Florida law. Disputes will be resolved in Manatee County, Florida courts, where you consent to jurisdiction.

13. Force Majeure

We’re not liable for delays due to unforeseen events (e.g., outages, natural disasters) beyond our control.

14. Third-Party Services

Oschao may use third-party tools (e.g., payment processors). Their terms apply, and we’re not liable for their performance or policies.

15. Modifications to Services

We may alter or discontinue Services (e.g., course updates) without prior notice. No liability arises from such changes.

16. Termination

We may suspend or end your access for Terms violations, non-payment, or if you’re under 18, without refund or notice where appropriate.

17. Contact Us

For inquiries or issues:

  • Email: [email protected]
  • Phone: 941-751-2675
  • Mail: Oschao, 4808 14th St W, Bradenton, Florida 34207, United States
We’ll respond promptly to assist you.