Terms of Service & Legal Agreement
Luc Austin Cochran / DBA / LAC & Brands
Effective Date: May 30, 2022
Revised: February 15, 2025
By accessing, purchasing, subscribing to, or using any service, website, platform, or product operated under LAC & Brands, you agree to the following legally binding Terms of Service (“Agreement”).
By completing a form, typing your name, checking an acceptance box, or submitting payment, you are providing a legally binding electronic signature under the U.S. E-SIGN Act.
If you do not agree to these terms, do not use the services.
1. Business Structure
LAC & Brands is a sole proprietorship owned and operated by Luc Austin Cochran. All services, billing, and operations are conducted under this structure.
2. Eligibility & Proper Use
You must be at least 18 years old (or have legal parental consent) to use the services.
You agree not to use any service for unlawful, fraudulent, abusive, or unauthorized purposes. Violation of these terms may result in immediate termination of service.
3. Payments & No Refund Policy
All payments made to LAC & Brands are final.
Once a service has been purchased, scheduled, delivered, accessed, downloaded, or initiated, no refunds will be issued for any reason, except where required by applicable law.
You acknowledge and agree that by submitting payment, you voluntarily waive any right to request or demand a refund.
At our sole discretion, we may offer a non-cash service credit toward future services. Service credits are optional, non-transferable, and not redeemable for cash.
4. Credit Card Disputes & Chargebacks
By submitting payment, you agree not to initiate a chargeback, payment reversal, or dispute with your bank or payment processor without first contacting us in writing to attempt resolution.
Initiating a chargeback without prior written communication and good-faith resolution efforts may be considered a breach of this Agreement.
If a chargeback or payment dispute is initiated:
We reserve the right to provide this Agreement and proof of service delivery to your financial institution.
We may suspend or terminate current and future services.
You agree to remain responsible for the original amount owed, plus any processing fees, chargeback fees, administrative costs, or collection expenses incurred as a result of the dispute, to the extent permitted by law.
5. Intellectual Property
All content, branding, materials, designs, and deliverables provided remain the property of LAC & Brands unless otherwise stated in a written agreement.
No ownership rights transfer to you unless explicitly agreed to in writing.
6. Disclaimer of Warranties
All services are provided “as is” and “as available.” We make no guarantees that services will be uninterrupted, error-free, or suitable for a particular purpose.
7. Limitation of Liability
To the fullest extent permitted by law, LAC & Brands shall not be liable for indirect, incidental, consequential, or special damages.
Total liability for any claim shall not exceed the amount paid by you for the specific service giving rise to the claim.
8. Dispute Resolution
Any dispute arising from these terms or your use of services shall first be attempted to be resolved informally.
If unresolved, disputes shall be resolved through binding arbitration in Clayton County, Georgia, unless otherwise required by law.
You agree to bring claims individually and waive the right to participate in any class action proceeding.
9. Governing Law
This Agreement is governed by the laws of the State of Georgia.
If any provision is found unenforceable, the remaining provisions remain in effect.