General Agreements

General Acknowledgments

Welcome: At Changing Courses 11, we are dedicated to providing valuable tools, resources, and guidance to help you achieve your goals. However, we believe it is essential to outline certain acknowledgments and disclaimers to ensure clarity, transparency, and mutual understanding. By using our services, resources, or tools, you agree to the terms outlined in this document, which are governed by our Terms of Service.

1. Risk Acknowledgment

Important: Starting and running a business involves inherent risks, including but not limited to financial loss, market fluctuations, and unforeseen challenges.

By engaging with Changing Courses 11 and its offerings, you acknowledge the following:

The guidance, tools, and resources provided by Changing Courses 11 are intended to assist in your entrepreneurial journey but do not guarantee specific outcomes.
You are responsible for conducting independent research and making decisions that align with your unique circumstances and goals.
Business success depends on numerous factors beyond our control, including your dedication, market conditions, and external economic factors.

2. Liability Waiver Acknowledgment

Notice: Changing Courses 11 provides its services and materials "as-is" without warranties or guarantees of any kind.

By participating in our programs, using our tools, or following our guidance, you agree to:

Release Changing Courses 11, its affiliates, employees, and representatives from any liability related to losses, damages, or other consequences resulting from your use of our resources.
Accept full responsibility for any actions taken based on the information or guidance provided by Changing Courses 11.
Understand that any results achieved through our programs or tools are dependent on your own effort, skills, and circumstances.

3. Promotional Consent Acknowledgment

Communication: To ensure effective communication, we may provide updates, announcements, and marketing materials related to Changing Courses 11 via email or other digital platforms.

By agreeing to this document, you:

Consent to receive promotional communications from Changing Courses 11.
Understand that you can opt-out of these communications at any time by following the unsubscribe link included in our emails.
Acknowledge that unsubscribing from promotional communications does not absolve you of your responsibility to remain informed of updates, policies, and terms related to your engagement with Changing Courses 11.

4. Disclaimer for Educational Content Acknowledgment

Disclaimer: The materials, courses, and tools provided by Changing Courses 11 are for informational purposes only. They are not intended to replace professional advice in fields such as finance, legal matters, or healthcare.

By using our educational content, you agree to the following:

Acknowledge that our materials are designed to provide general guidance and not tailored to your specific circumstances.
Understand that we do not guarantee specific results or outcomes from the use of our tools, resources, or strategies.
Take full responsibility for how you apply the information provided and the results you achieve.

5. General Terms Acknowledgment

Modification of Terms: Changing Courses 11 reserves the right to update or modify these terms at any time. Changes will be communicated via electronic means—either by email or on our website—no less than 5 business days before implementation. Continued use of our services constitutes acceptance of the updated terms.

Severability: If any provision of this document is found to be unenforceable, the remaining provisions will remain in full force and effect.
Relationship to Terms of Service: This Risk and Disclaimer Agreement is governed by the Terms of Service for Digital Products provided by Changing Courses

6. In the event of any disputes or inconsistencies, the Terms of Service shall prevail as the primary source. Users are advised to review both documents in conjunction to fully understand their rights and obligations.

Final Acknowledgment

Agreement: By engaging with Changing Courses 11, you acknowledge that you have read, understood, and agree to the terms outlined in this document, as well as the Terms of Service. If you do not agree to these terms, you should refrain from using our services, tools, and resources.
We are committed to supporting your journey and providing the resources you need to succeed while ensuring clarity and fairness in our agreements.

Business Disclosure

At Changing Courses 11, we are committed to transparency and honesty in everything we do. The information provided in this Income Disclosure Statement is designed to give you a realistic understanding of the opportunities and challenges associated with starting and running a business. Success in business requires dedication, hard work, and consistent effort, and results are not guaranteed.

Business Is Not for Everyone

Running a business can be rewarding, but it is also challenging. Entrepreneurship is not suited for everyone, and success often requires a significant investment of time, energy, and resources. Many people underestimate the complexities of starting and maintaining a business, including managing finances, developing products or services, and attracting and retaining customers.

Success Is Not Guaranteed

While we are proud of our achievements and those of our customers, we cannot guarantee that you will experience the same level of success. Every individual’s results depend on a variety of factors, including but not limited to:

Their experience and skills
The amount of effort and time invested
Market conditions and demand
The ability to adapt and make strategic decisions
The success stories shared by Changing Courses 11 or its customers represent unique outcomes that are not typical for every entrepreneur.

The Role of Education in Success

At Changing Courses 11, we believe that education, knowledge, and skills are essential pillars of success for entrepreneurs. While education does not guarantee success, it equips individuals with the tools, strategies, and confidence needed to navigate the challenges of business ownership. A commitment to learning can increase your chances of achieving your goals by:

Improving your decision-making capabilities
Enhancing your ability to adapt to changing circumstances
Providing insights into industry trends and best practices
Building valuable skills that set you apart in the marketplace

We encourage entrepreneurs to continually seek knowledge through courses, workshops, books, and mentorship. Investing in your education is an investment in your future, and while success is never guaranteed, a strong foundation of knowledge can help you approach your goals with greater clarity and preparedness.

Statistical Realities of Business

Starting a business is a significant undertaking that comes with inherent risks. To provide a clearer picture, here are some important considerations and statistics about the realities of entrepreneurship:

First-Year Survival Rate: Approximately 78.6% to 80% of new businesses survive their first year, meaning about 20% to 21.4% do not. (Source: SBA)
Five-Year Survival Rate: About 48.8% to 51% of small businesses survive beyond the five-year mark, indicating that nearly half do not. (Source: SBA)
Ten-Year Survival Rate: Approximately 33.6% to 34% of businesses remain operational after ten years, meaning about two-thirds close within this period. (Source: SBA)

Average Costs: Starting a business can cost anywhere from $2,000 to $50,000 or more, depending on the industry, scope, and location. Operational costs such as marketing, inventory, and payroll can add significant expenses over time.

Time Commitment: Entrepreneurs typically work 50-60 hours per week in the early stages of their business. This intense time commitment is often required to establish operations, secure customers, and navigate challenges.

These statistics and realities highlight the challenges entrepreneurs face and underscore that success is not guaranteed. We encourage individuals to approach entrepreneurship with realistic expectations, thorough planning, and a willingness to adapt to changing circumstances. Additionally, it's important to consider external factors, such as market trends and economic conditions, that can significantly impact your journey.

To learn more about the realities of starting and running a business, we recommend exploring the following resources:

U.S. Small Business Administration (SBA): Comprehensive information on small business trends, financial planning, and startup advice. (Visit SBA)
Bureau of Labor Statistics (BLS): Data on industry growth, labor trends, and economic conditions that may affect businesses. (Visit BLS)
SCORE: Free mentoring and workshops for small business owners and entrepreneurs. (Visit SCORE)
Entrepreneur Magazine: Articles, tools, and resources for starting and managing a business. (Visit Entrepreneur)
National Association for the Self-Employed (NASE): Tips and resources tailored to self-employed professionals. (Visit NASE)

We encourage you to take advantage of these tools to deepen your understanding and make informed decisions as you embark on your entrepreneurial journey.

Our Success Is Not a Reflection of Your Potential

The achievements of Changing Courses 11 or other entrepreneurs should not be viewed as a benchmark for your own success. Everyone’s journey is different, and comparing yourself to others can lead to unrealistic expectations. Instead, we encourage you to focus on your personal growth, skills, and goals as you navigate your entrepreneurial path.

Earning Potential

The earning potential in business varies widely and depends on numerous factors, including the nature of the business, the effort put into it, and external market conditions. Some entrepreneurs may achieve significant financial success, while others may experience minimal or no financial gain. It is possible to incur losses, especially in the early stages of business development.

Hard Work Is Essential

Business success requires consistent effort, resilience, and the willingness to learn from setbacks. There is no shortcut to building a thriving business, and challenges are an inevitable part of the process. Those who are willing to embrace these challenges and work diligently are more likely to see positive results over time.

Encouraging Realistic Expectations

We strongly encourage anyone considering entrepreneurship to:
Conduct thorough research into their chosen industry or market
Set realistic goals and expectations for their business journey
Seek advice from experienced mentors or professionals
Be prepared for both successes and setbacks

Commitment Statement

At Changing Courses 11, we are committed to adhering to all rules and guidelines set forth by the Federal Trade Commission (FTC). If you believe we are not in compliance or notice any potential infractions, we encourage you to reach out to our team and bring these concerns to our attention. We value transparency and accountability and strive to ensure that our practices remain above board. However, we acknowledge that mistakes and oversights can occur, and open communication is the best way to address and resolve any issues.

We also encourage anyone with questions about business ownership, the challenges of entrepreneurship, or the realities of navigating an online market to reach out to us. We are here to provide insight and support as you explore the entrepreneurial journey. Your feedback and inquiries are invaluable to maintaining a trustworthy and supportive environment for everyone.

Conclusion

Changing Courses 11 provides tools, resources, and guidance to support you in your business journey, but we cannot guarantee specific outcomes. Your success depends on your unique circumstances, decisions, and actions. We encourage you to approach entrepreneurship with an open mind, a willingness to learn, and realistic expectations about the challenges and rewards of business ownership.

By engaging with Changing Courses 11, you acknowledge and accept that business success is not guaranteed and that individual results will vary. We wish you the best on your entrepreneurial journey and are here to support you along the way.