Terms of Service

Welcome to The Next Gen Business! These Terms of Service (“Terms”) govern your access to and use of our website (the “Website”), professional digital services, including general informational services such as news articles and related content, and any other products or services (collectively, the “Services”) owned and operated by New Media International, LLC d/b/a The Next Gen Business (“TNGB,” “we,” “us,” or “our”). “You” refers to any individual or entity using the Website or Services.

The information we provide through our Services, including news articles, is for general informational purposes only. It is not intended as financial, legal, tax, or investment advice, nor as a recommendation to take any specific action. Before subscribing or using our Services, please read these Terms fully to understand their scope and limitations.

By accessing or using the Website or Services, you agree to follow these Terms and our Privacy Policy (separate document), which is incorporated by reference in its entirety as if fully set forth herein. If you don’t agree, you may not use the Website or Services. We may update these Terms at any time by posting changes on the Website, and your continued use after the effective date means you accept the updated terms (with material changes notified by email or prominent notice where required by applicable law, including CCPA/CPRA).

1. Eligibility and Agreement

1.1 You confirm that you are at least 18 years old (or the age of majority in your jurisdiction, if higher) and legally able to agree to these terms and that your use will comply with all applicable U.S. export control, sanctions, and trade laws.

1.2 TNGB reserves the sole and absolute right, in its discretion, to refuse, suspend, or terminate your access or use of the Website or Services at any time, for any reason or no reason, without notice or liability to you.

2. Intellectual Property Ownership

2.1 All content, trademarks, logos, designs, software, and materials on the Website or in the Services (“TNGB Property”) belong to TNGB or its licensors and are protected by U.S. and international laws, including copyright, trademark, and trade secret laws. You acknowledge that TNGB Property may not be used for any AI training, scraping, or machine-learning purposes without express written consent (including but not limited to any use for AI training, prompt engineering, synthetic data generation, fine-tuning, or derivative model creation).

2.2 You may not use, copy, share, or modify TNGB Property unless we give you written permission. Unauthorized use is a serious violation of these Terms and may lead to legal action, including claims for damages or court orders to stop misuse.

3. Restricted License

3.1 TNGB gives you a limited, non-exclusive, non-transferable, and revocable license to use the Website and Services strictly for your personal, non-commercial use or internal professional reference as expressly authorized in the paid subscription terms.

3.2 You may not: (a) change, reverse-engineer, or try to access the source code of any software; (b) remove or alter any ownership notices; (c) use the Services commercially beyond what’s allowed; (d) share, sublicense, or copy the Services; or (e) disrupt or harm the Website or Services; (f) scrape, crawl, or use automated means to access or collect data; (g) use Services to train AI models; (h) frame or mirror any portion of the Website; (i) create derivative databases or works from TNGB Property for commercial purposes; (j) use the Services to develop or support any competing product or service; (k) circumvent any technical protection measures; (l) use any data mining, robots, or similar data gathering/extraction methods except as expressly permitted; (m) use the Services to build, support, or compete with any news, media, or informational product or service.

3.3 This license ends if you break these Terms or if TNGB chooses to revoke it. When it ends, you must stop using the Services and delete any materials you’ve downloaded.

4. Digital Services Terms

4.1 TNGB offers professional digital services, including informational content like news articles, through the Website, governed by these Terms.

4.2 Services are provided “as-is” and “as available,” without promises about how well they’ll work, updates, or ongoing availability. TNGB can change, pause, or stop any Service at any time without notice or liability.

4.3 You agree to pay all fees for Services when due. Fees may renew automatically, and we’ll charge your payment method on file. All auto-renewal terms are clearly disclosed at purchase; you may cancel anytime via your account settings or by contacting us (cancellation effective at next renewal). If payment fails, we may suspend or terminate your access, add late fees, or take legal action to collect what’s owed, including our legal costs. You are responsible for all applicable taxes. Fees are subject to change upon renewal with prior notice. You waive any right to initiate chargebacks except in cases of proven unauthorized use. You acknowledge that subscriptions automatically renew unless you cancel in accordance with the cancellation procedures disclosed conspicuously at the time of purchase and in full compliance with ORS 646A.295. Cancellation is effective at the end of the then-current term. For billing errors or disputes, contact us within 30 days using the contact form located at https://thenextgenbusiness.com/contact/, and TNGB will review in its sole discretion; otherwise, you waive the right to dispute past charges.

4.4 All purchases are final and non-refundable except where expressly provided in this Section 4.4 or where required by non-waivable applicable law. For digital products purchased directly from TNGB (and not through any third-party platform or reseller), TNGB may, in its sole and absolute discretion, permit a refund request submitted in writing within seven (7) calendar days of the purchase date, provided the user has not accessed, downloaded, viewed, or consumed any part of the product. TNGB reserves the right to deny any refund request for any reason or no reason. All subscriptions and all other purchases remain strictly non-refundable.

4.5 You accept all risks that the Services might not meet your needs, may have interruptions or errors, or may become outdated. TNGB isn’t responsible for any decisions or results based on your use of the Services.

5. Informational Content and Potential Inaccuracies

5.1 The news articles, data, and other informational content provided through the Services are for general education and awareness only. They are not financial advice, investment recommendations, or signals to buy or sell anything. Markets, investments, and related activities are inherently risky, and relying on our content could lead to partial or complete losses.

5.2 TNGB is not a registered financial advisor, securities broker-dealer, or investment professional with any regulatory body like the U.S. Securities and Exchange Commission or state authorities. Nothing we provide should be taken as an offer to sell, a solicitation to buy, or an endorsement of any product, service, or strategy.

5.3 Our content may contain inaccuracies, errors, or omissions due to human input, algorithmic processes, or external sources beyond our control. We don’t guarantee that our information is correct, complete, or up-to-date. You are solely responsible for researching and verifying any information before acting on it. We strongly recommend consulting a qualified professional (e.g., financial advisor, lawyer, or tax expert) for your specific situation.

5.4 Any tools or features in the Services that offer insights based on your input are for educational purposes only. You alone decide if any action or strategy fits your goals, finances, and risk tolerance.

5.5 TNGB expressly disclaims any liability for losses arising from user reliance on the Services or any third-party links or content. TNGB exercises editorial discretion protected under Section 230 of the Communications Decency Act where applicable.

5.6 Affiliate Links. Certain hyperlinks on the Website are affiliate links. TNGB may receive a commission or other compensation if you purchase products or services through those links at no additional cost to you. TNGB does not endorse, warrant, or guarantee any third-party products, services, or websites linked through affiliate links. You assume all risk and responsibility for any purchases made via affiliate links. TNGB expressly disclaims all liability for any loss, damage, or claim arising from or related to any affiliate-linked product or service.

6. User Responsibilities

6.1 You agree not to: (a) use the Website or Services illegally; (b) post or send anything unlawful, harmful, or that violates others’ rights; (c) send spam, phishing attempts, or malware; (d) try to hack TNGB’s systems; or (e) interfere with the Website or Services.

6.2 If you submit content, you grant TNGB an irrevocable, perpetual, worldwide, royalty-free, fully paid-up, sublicensable and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, publicly perform, display, and create derivative works of such content in any form and media. You waive all moral rights in the content. TNGB has no obligation to monitor, retain, or respond to user content and may remove or edit it at any time in its sole discretion without notice.

6.3 You represent and warrant that any content you submit does not infringe third-party rights and complies with all laws.

7. Warranty Disclaimer

7.1 To the fullest extent allowed by law, TNGB makes no promises about the Website or Services, including that they’ll work perfectly, be secure, or meet your expectations. We provide them “as-is” with no guarantees, to the maximum extent permitted by applicable law. TNGB expressly disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, title, and quiet enjoyment.

7.2 You use the Website and Services at your own risk, and we’re not responsible if something goes wrong.

8. Limitation of Liability

8.1 To the maximum extent permitted by applicable law, TNGB, its affiliates, officers, directors, employees, agents, or licensors won’t be liable for any damages, direct, indirect, special, or otherwise, like lost profits or data, from your use or inability to use the Website or Services, even if we knew such damages might happen, including negligence.

8.2 If we’re ever liable, the most you can recover is the lesser of the amount you paid TNGB for the Service in the twelve (12) months immediately preceding the claim or One Hundred U.S. Dollars ($100.00).

8.3 These limits apply to all claims (contract, tort, negligence, etc.) and stay in place even if these Terms end.

9. Indemnification

9.1 You agree to cover TNGB, its affiliates, officers, directors, employees, agents, and licensors for any claims, losses, or costs (including legal fees) caused by: (a) your use of the Website or Services; (b) breaking these Terms; (c) violating someone else’s rights; or (d) content you share.

9.2 We can take over the defense of any claim you’re responsible for, and you can’t settle anything without our written okay. TNGB shall have the exclusive right to assume control of the defense and settlement of any claim, and you shall not settle any claim without TNGB’s prior written consent.

10. Termination Rights

10.1 TNGB can stop or end your access to the Website or Services anytime, for any reason or no reason, without notice or liability.

10.2 When access ends, your rights stop immediately, but Sections 2, 4.4, 5, 6.2, 6.3, 7, 8, 9, 10, 11, 12, 13, and 14 still apply.

11. Dispute Resolution

11.1 Any disagreement about these Terms or the Website or Services must go to binding arbitration with the American Arbitration Association in Portland, Oregon, following its Commercial Arbitration Rules. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that these Terms or any provision is void or voidable.

11.2 You and TNGB expressly waive any right to participate in a class action, class arbitration, collective action, representative action, or private attorney general action. All disputes shall be resolved on an individual basis only. The arbitration shall be conducted solely on an individual basis.

12. Governing Law

12.1 Oregon law governs these Terms, ignoring any conflicting laws elsewhere.

12.2 For non-arbitration issues, only courts in Multnomah County, Oregon, can hear them, and you agree to that location.

13. Force Majeure

13.1 TNGB isn’t responsible for delays or failures due to events beyond our control, like natural disasters, cyberattacks, or government actions. Your obligations, like payment, remain in effect unless we agree otherwise in writing.

14. General Provisions

14.1 If any part of these Terms doesn’t hold up in court, the rest still applies. TNGB not enforcing something doesn’t mean we waive it. These Terms and the Privacy Policy are the full deal between us.

14.2 You can’t pass these terms to someone else without our permission; we can. No one else gets rights from this agreement.

14.3 For users located outside the United States, if any provision of these Terms (including arbitration or governing law) is unenforceable under local law, that provision shall be reformed to the minimum extent necessary to make it enforceable, and the remainder of these Terms shall remain in full force.

14.4 DMCA Copyright Infringement Notice and Takedown. If you believe any content on the Website infringes your copyright, you may submit a DMCA notice using the contact form located at https://thenextgenbusiness.com/contact/ containing all elements required under 17 U.S.C. § 512. TNGB will respond expeditiously in accordance with the Digital Millennium Copyright Act.

Contact Information

For any questions or comments regarding the terms of use, please contact us using the contact form located at https://thenextgenbusiness.com/contact/.