Terms of Use

These Terms of Use (“Terms”) govern access to and use of the Phoenix Group website (the “Site”) operated by The Phoenix Business Collective Inc. (“Phoenix,” “we,” or “us”). By accessing or using the Site, you agree to be bound by these Terms, our Privacy Policy, and, if you register as a Member, the Phoenix Group Terms and Conditions of Membership (collectively, the “Agreements”). If you do not agree to all of these Agreements, you may not access or use the Site.

1. Acceptance and Incorporation by Reference

By registering on the Site or creating a Member account, you acknowledge that you have read and agree to (i) these Terms, (ii) the Privacy Policy, and (iii) the Phoenix Group Terms and Conditions of Membership, each of which is incorporated herein by reference. These Agreements collectively govern your relationship with Phoenix Group. If you are accessing the Site on behalf of a business, you represent that you have authority to bind that business to these Agreements.

2. Intellectual Property

All content on the Site—including text, images, graphics, logos, and software—is owned or licensed by Phoenix and protected by U.S. and international copyright and trademark laws. You may use content only for personal, informational, or non‑commercial purposes and may not modify, copy, distribute, or exploit it without Phoenix Group’s written consent.

3. Permitted Use and Restrictions

You may use the Site only for lawful purposes and in accordance with these Terms. You agree that you will not: (a) use any automated system, robot, or “scraper” to access the Site without prior written consent; (b) attempt to gain unauthorized access to any portion of the Site, server, or network; (c) upload or transmit any virus, malware, or other harmful code; (d) use the Site to harass, defame, or otherwise violate the rights of others; or (e) use any Phoenix name, logo, or trademark as a metatag or hidden text without Phoenix’s express written consent.

4. Member Accounts

When you register as a Member, you must provide accurate information and maintain the confidentiality of your credentials. You are responsible for all activities under your account. Phoenix may suspend or terminate access for any violation of these Terms or other Agreements.

5. Third‑Party Links; Content; Geographic Use

The Site may contain links to third‑party websites or display materials provided by vendors or partners. Phoenix is not responsible for the content, accuracy, or practices of such third parties and provides such links solely for convenience. Inclusion of any link does not imply endorsement or association with the linked party.

The Site is intended for use by businesses and individuals located within the United States. Phoenix makes no representation that the Site or its content is appropriate or available for use outside the U.S. Users accessing the Site from other jurisdictions do so at their own risk and are responsible for compliance with applicable laws.

6. Copyright and Contact Information

All trademarks, trade names, and content appearing on the Site are the property of Phoenix or their respective owners. If you believe that material available on the Site infringes your copyright, you may notify Phoenix’s designated agent as set forth below. Your notice must include: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to have been infringed;
(c) identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material; (d) your contact information, including address, telephone number, and email; (e) a statement that you have a good-faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in your notice is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Designated Agent:
Phoenix Business Collective Inc.
Attn: DMCA Agent
179 W. Wilson St., Apt. 528, Madison, WI 53703
Email: operations@the-phoenix.com

7. Modifications and Availability

Phoenix may update, modify, or discontinue the Site or these Terms at any time. The “Last Updated” date above indicates when these Terms were most recently revised. Continued use of the Site after any modification constitutes acceptance of the revised Terms. Phoenix is not liable for any interruption, modification, or discontinuation of the Site.

8. Disclaimers and Limitation of Liability

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS.” PHOENIX GROUP MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON‑INFRINGEMENT. NOTHING ON THE SITE CONSTITUTES LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE. IN NO EVENT SHALL PHOENIX GROUP OR ITS AFFILIATES BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

NOTHING ON THE SITE CONSTITUTES LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE. ALL CONTENT IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS A SUBSTITUTE FOR INDEPENDENT PROFESSIONAL JUDGMENT.

9. Governing Law and Venue

These Terms are governed by and construed under the laws of the State of Delaware, without regard to conflict-of-law rules. Any dispute shall be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to such jurisdiction and venue.

10. Severability and Entire Agreement

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force. These Terms, together with the Privacy Policy and Terms and Conditions of Membership, constitute the entire agreement between you and Phoenix Group regarding use of the Site.

Last Updated: November 2025