By accessing the website at joy.cpa (“we,” “our,” “us,” or “this website”), you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this website. The materials contained on this website are protected by applicable copyright and trademark law.

Permission is granted to temporarily download one copy of the materials (information or software) on this website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials;

use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

attempt to decompile or reverse engineer any software contained on this website;

remove any copyright or other proprietary notations from the materials; or

transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

The materials on this website are provided on an “as is” basis. We make no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, we do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this website.

In no event shall we or our suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this website, even if we or our authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

The materials appearing on this website could include technical, typographical, or photographic errors. We do not warrant that any of the materials on this website are accurate, complete or current. We may make changes to the materials contained on this website at any time without notice. However, we do not make any commitment to update the materials.

We have not reviewed all of the sites linked to this website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply our endorsement of the site. Use of any such linked site is at the user's own risk.

We may revise these terms of service for this website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

These terms and conditions are governed by and construed in accordance with the laws of Texas and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location.

As stipulated by law, we cannot and do not make any guarantees about your ability to generate results or earn money with our ideas, information, tools or strategies. All products and services by our company are for educational and informational purposes only. Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax, or other professional advice. Any numbers referenced here, or on any of our websites, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance. Making decisions based on any information presented in our products, events, services, or website should be done only with the knowledge that you bear the risk of loss. Always consult your accountant, lawyer or professional advisor before acting on information provided on this website. You agree not to attempt to hold us liable for your decisions, actions or results under any circumstances.

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