Terms & Conditions

Last updated: October 27, 2026

These Terms & Conditions ("Terms") govern your access to and use of this website, Enrique's Loan Officer University, and all products and services offered by Enrique And Greatness Inc. ("Company," "we," "us," or "our"), founded by Enrique Flores. This includes every course, master class, coaching or mentorship program, workshop, webinar, live event, membership, community, template, download, and other digital product or service we offer now or in the future (collectively, the "Programs"). By accessing this website, creating an account, or purchasing or using any Program, you agree to be bound by these Terms. If you do not agree, do not use this website or purchase any Program.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract to purchase or use the Programs. By purchasing, you confirm that the information you provide is accurate and that you are authorized to use the payment method provided.

2. Educational Purposes Only

All Programs and content are provided for general educational and informational purposes only. Nothing in the Programs or on this website is legal, tax, accounting, financial, investment, compliance, or licensing advice, and no professional, advisory, fiduciary, or employment relationship is created by your purchase or use. You should consult qualified professionals and follow your employer's policies and procedures before acting on any information.

3. Not an Offer to Lend; Independent Business

Nothing on this website or in the Programs is an advertisement for, or an offer or commitment to extend, any loan or credit. The Programs are offered by Enrique And Greatness Inc. and are not an official training program of, or endorsed by, On The Shore Lending, Equity Smart Home Loans, or any other lender or employer. Views and opinions expressed are those of Enrique Flores and the Company and do not necessarily reflect those of any other company or organization.

4. Licensing and Compliance

The Programs are not NMLS-approved pre-licensing or continuing education courses and do not satisfy any licensing or education requirement, unless a specific Program expressly states otherwise in writing. Licensing requirements vary by state and are set by the NMLS and state regulators. You are solely responsible for obtaining and maintaining any required licenses and for complying with all applicable federal, state, and local laws, regulations, and rules (including, without limitation, lending, advertising, consumer protection, fair lending, privacy, telemarketing, and anti-spam laws) and with your employer's policies. Strategies discussed are general in nature and may not be appropriate, lawful, or permitted for every company, state, or situation.

5. Earnings Disclaimer and No Guarantees

Any income, production, volume, or earnings figures shown on this website or in the Programs (including references such as "up to $100K in a single month") reflect Enrique Flores's personal results and experience only. They are not typical, are not average or expected results, and are not a promise or guarantee of any results. Your results depend on many factors, including your effort, skills, experience, licensing, employer, compensation plan, and market conditions. Many people who purchase educational programs earn little or no income. We do not guarantee licensing, passing any exam, employment, job offers, loan approvals, closed loans, leads, referrals, income, or any other outcome. See our Disclaimers page for more information.

6. Purchases, Pricing, and Payment

Prices are listed in U.S. dollars and may change at any time without notice; changes will not affect orders already completed. You authorize us and our third-party payment processors to charge the full purchase price (and any applicable taxes) to your payment method. If you choose a payment plan, you authorize all scheduled payments until paid in full, and you remain responsible for the full balance even if you stop using the Program. Failed or missed payments may result in suspension of access until your account is brought current.

7. Subscriptions and Automatic Renewals

Some Programs, such as memberships, may be offered on a recurring subscription basis. If you purchase a subscription, the price, billing frequency, and renewal terms will be clearly shown at checkout. Your subscription will automatically renew and your payment method will be charged at the then-current rate each billing period until you cancel. You may cancel at any time from your account settings or by emailing enriqueandgreatness@gmail.com, and cancellation takes effect at the end of the current billing period. We will notify you before any price change to your subscription.

8. Refunds

Except where required by applicable law, all sales are final. Because the Programs are digital products and access to the content is provided immediately after purchase, refunds are not issued for non-use, partial use, change of mind, scheduling conflicts, technical issues on your end, or dissatisfaction with the content or results. If a specific Program's sales page or checkout page states a different refund or guarantee policy, that stated policy applies to that Program. Please see our Refund Policy for full details, and contact us with any questions before purchasing.

9. Chargebacks and Payment Disputes

You agree to contact us at enriqueandgreatness@gmail.com to resolve any billing concern before contacting your bank or card issuer. If you file a chargeback or payment dispute on a valid purchase, we may suspend or terminate your access to all Programs, provide your purchase records, account activity, and acceptance of these Terms to the payment processor, and pursue collection of any amounts owed, including reasonable costs and fees, to the extent permitted by law.

10. Access and License

Upon full payment (or while your payment plan or subscription is current), you receive a limited, personal, non-exclusive, non-transferable, revocable license to access and view the Program content for your own individual, non-commercial educational use. Unless a Program states a specific access period, access is provided for as long as we continue to offer that Program on our platform. We may update, change, or remove content, and we do not guarantee that the website or Programs will be uninterrupted or error-free.

11. Live Sessions, Coaching, and Events

Some Programs may include live calls, coaching, webinars, workshops, or events. Dates and times will be communicated in advance and may be rescheduled by us when necessary. Missed live sessions are not refundable, and replays are provided only if stated for that Program. We may record live sessions and use or share recordings within the Program; by attending, you consent to being recorded. Any additional terms for a specific coaching or live Program will be provided before or at purchase and are part of these Terms.

12. Intellectual Property

All content in the Programs and on this website, including videos, text, slides, scripts, templates, graphics, logos, and the names Enrique & Greatness, Enrique's Loan Officer University, and the names of all Programs, is owned by Enrique And Greatness Inc. or its licensors and is protected by copyright, trademark, and other laws. You may not copy, record, download (unless we provide a download option), reproduce, share, sell, resell, sublicense, distribute, publicly display, create derivative works from, use to train artificial intelligence tools, or use any content to create a competing product or service without our prior written permission.

13. Account Security and No Sharing

Your login is for you only. You may not share your account, login credentials, or content with anyone else. You are responsible for all activity under your account. We may suspend or terminate access, without refund, if we believe your account has been shared or used in violation of these Terms.

14. Acceptable Use

You agree not to use the website or Programs for any unlawful purpose; harass or abuse others; post or transmit harmful, misleading, or infringing material; share other members' personal information; attempt to gain unauthorized access to our systems; or interfere with the operation of the website or Programs.

15. Testimonials and Awards

Any testimonials, examples, awards, rankings, or recognition shown reflect individual experiences or the criteria of the organization listed, are not typical, and are not a guarantee of future performance or results.

16. Third-Party Services and Links

The website and Programs may use or link to third-party services (such as Kajabi, payment processors, YouTube, or other tools). We are not responsible for the content, policies, or practices of any third party, and your use of them is at your own risk and subject to their terms.

17. Disclaimer of Warranties

THE WEBSITE AND PROGRAMS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW. Information may become outdated as laws, guidelines, and markets change.

18. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, INCOME, BUSINESS, OR OPPORTUNITIES, ARISING OUT OF OR RELATED TO THE WEBSITE OR PROGRAMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID FOR THE PROGRAM GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

19. Indemnification

You agree to indemnify, defend, and hold harmless Enrique And Greatness Inc., Enrique Flores, and their officers, affiliates, agents, and representatives from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Programs, your business activities, your violation of these Terms, or your violation of any law or the rights of any third party.

20. Dispute Resolution and Arbitration

Before filing any claim, you agree to first contact us at enriqueandgreatness@gmail.com and attempt to resolve the dispute informally for at least 30 days. If the dispute is not resolved, it will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, held in Los Angeles County, California, or remotely. You and we each waive the right to a jury trial and to participate in any class action, class arbitration, or representative proceeding. Either party may bring an individual claim in small claims court if it qualifies. Nothing in this section prevents either party from seeking injunctive relief in court to protect intellectual property, or waives any right to seek public injunctive relief that cannot be waived under applicable law. You may opt out of this arbitration agreement by emailing enriqueandgreatness@gmail.com within 30 days of your first purchase. If the class action waiver is found unenforceable, the arbitration agreement will not apply to that claim.

21. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. To the extent any matter is not subject to arbitration, it will be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to that jurisdiction.

22. Termination

We may suspend or terminate your access to the website or any Program at any time, without refund, if you violate these Terms. Sections that by their nature should survive termination (including Refunds, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Dispute Resolution) will survive.

23. Changes to These Terms

We may update these Terms at any time by posting the revised version on this page with a new "Last updated" date. Your continued use of the website or Programs after changes are posted means you accept the updated Terms. The version in effect at the time of your purchase governs that purchase.

24. General

These Terms, together with our Privacy Policy, Refund Policy, Disclaimers, and any terms shown on a Program's sales or checkout page, are the entire agreement between you and us regarding the Programs. If any provision is found unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them without restriction.

25. Contact

Enrique And Greatness Inc.
Email: enriqueandgreatness@gmail.com