Terms and Conditions

These Terms govern your membership in MEANS (Mu Sigma Alpha Nu Delta) and your use of wemeansbusiness.com. Please read them. By joining or using the site, you agree to them.

1. Who we are

MEANS (Mu Sigma Alpha Nu Delta) is a business fraternity, part brotherhood and part incubator, focused on developing its members and supporting member business opportunities. In these Terms, “MEANS,” “we,” “us,” and “our” mean MEANS (Mu Sigma Alpha Nu Delta), which operates wemeansbusiness.com. “You” means the person using the Site or holding a membership.

2. Acceptance of these Terms

By creating an account, purchasing a membership, joining our mailing list, or otherwise using wemeansbusiness.com (the “Site”), you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site or purchase a membership.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to hold a membership or create an account. Membership is granted at our discretion to individuals who meet our membership criteria, and we may decline or revoke membership consistent with these Terms and applicable law.

You agree that the information you give us, including your name and email address, is accurate, and that you will keep it current.

4. Accounts and account security

• Member accounts are available to paid members only. You create your account using the email address associated with your membership.
• You are responsible for keeping your password confidential and for all activity under your account. Do not share your login credentials.
• Accounts are personal to you. Do not create an account for anyone else, or let another person use yours.
• Administrator access is invite-only and granted directly by MEANS. Administrators can view member records and member-submitted content, and can reset a member’s password on request.
• Tell us promptly at info@wemeansbusiness.com if you believe your account has been accessed without your permission.

5. Membership fees, billing, and automatic renewal

Membership is offered at the following recurring rates:

• All amounts are in U.S. dollars and exclude any taxes that may apply.
• Payments are processed by PayPal (if you pay with PayPal) or Stripe (if you pay by card). Your subscription is also governed by your agreement with the processor you use. We never receive or store your full card number or your PayPal password.
• We may change membership pricing. We will give you at least 30 days’ notice by email before a price change affects your renewal, and you may cancel before it takes effect.
• If a payment fails or is reversed, we may suspend or end your access to member-only areas.

6. How to cancel

You can cancel at any time. Cancellation takes effect at the end of your current paid period, and you keep member access until then. Any of these methods works:

• If you pay by card (Stripe): log in to your member dashboard and choose Manage billing, then cancel your plan.
• If you pay with PayPal: log in to your PayPal account and cancel the recurring payment to MEANS under Settings → Payments → Automatic Payments.
• Through us: email info@wemeansbusiness.com from your membership email address and we will cancel it for you.

7. Refunds

Membership fees are non-refundable except where required by law. Cancelling stops future charges rather than refunding the current period, and you keep member access through the end of the period you already paid for.

If something went wrong, such as a duplicate charge, a billing error, or a charge after you cancelled, email info@wemeansbusiness.com and we will make it right.

8. Your content

The Site lets members post updates to the member feed and submit business ideas (“Member Content”).

• You own your content. Posting it does not transfer ownership to us.
• You grant MEANS a non-exclusive, worldwide, royalty-free license to host, store, display, and distribute your Member Content for the purpose of operating the member portal and the MEANS community. This license ends when you delete the content, except for copies already made in routine backups.
• You are responsible for what you post, and you confirm you have the rights to post it.
• We may remove Member Content that violates these Terms, and administrators can delete posts and submissions.

9. Business ideas: no confidentiality

MEANS does not claim ownership of your idea. We also cannot promise that other members will not independently develop something similar, and we are not responsible for how other members use information you choose to share.

10. Acceptable use

You agree not to:

• Post anything unlawful, harassing, hateful, threatening, defamatory, or obscene;
• Post content that infringes someone else’s intellectual property or privacy rights;
• Use the Site to promote fraud, deceptive schemes, unregistered securities offerings, or any illegal activity;
• Spam other members, harvest member information, or use the member feed for unsolicited marketing;
• Share your login, attempt to access another member’s account, or access areas of the Site you are not authorized to use;
• Probe, scan, scrape, overload, or otherwise interfere with the Site or its security;
• Misrepresent your identity or your affiliation with any person or organization.

11. We do not provide professional advice

MEANS provides community, education, and connections. It does not provide professional services, and nothing on the Site is a substitute for advice from a qualified professional who knows your situation.

• Not financial or investment advice. We are not a broker-dealer, investment adviser, or financial planner. Nothing on the Site is an offer to sell or a solicitation to buy any security, or a recommendation regarding any investment.
• Not legal, tax, or accounting advice. Consult your own attorney or accountant.
• No guarantee of results. We do not promise funding, capital, introductions, business success, income, or any particular outcome from membership.
• Not medical or mental-health care. Our library links to mental-health and wellness resources for information only. They are not therapy, diagnosis, or treatment. If you are in crisis, call or text 988 (Suicide & Crisis Lifeline, U.S.), or call 911 in an emergency.

12. Third-party links and resources

The member library and feed link to third-party websites, videos, books, and programs that we do not own or control. We provide them for convenience and education. We do not endorse them, guarantee their accuracy or availability, and are not responsible for their content, products, or privacy practices. Your use of a third-party site is governed by that site’s terms.

13. Our intellectual property

The MEANS name, the Mu Sigma Alpha Nu Delta name and Greek letters as used by us, the MEANS crest and wordmark, and the text, design, and graphics of the Site are owned by MEANS or licensed to us. You may not copy, modify, or use them to identify your own goods, services, or organization, or in any way that suggests affiliation or endorsement, without our written permission. Members may truthfully reference their membership.

14. Suspension and termination

You may stop using the Site at any time and cancel as described above. We may suspend or terminate your account or membership if you breach these Terms, if your payment fails, or if we reasonably believe your conduct harms MEANS, its members, or a third party. Where reasonable and lawful, we will give you notice and an opportunity to fix the problem. If we terminate your membership without cause, we will refund the unused portion of any prepaid period.

Sections that by their nature should survive termination, including Your content (as to licenses already granted), Intellectual property, Disclaimers, Limitation of liability, Indemnification, and Disputes, will survive.

15. Disclaimers

THE SITE AND MEMBERSHIP ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, secure, or error-free, or that content will be accurate or current. Some jurisdictions do not allow certain disclaimers, so parts of this section may not apply to you.

16. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MEANS AND ITS OFFICERS, MEMBERS, AND VOLUNTEERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST BUSINESS OPPORTUNITIES, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SITE OR YOUR MEMBERSHIP.

OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE OR YOUR MEMBERSHIP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100. These limits do not apply to liability that cannot be limited under applicable law.

We are not responsible for the conduct of other members, whether online or in person, or for any business dealing, investment, or agreement you enter into with another member. Do your own due diligence.

17. Indemnification

You agree to indemnify and hold harmless MEANS and its officers, members, and volunteers from claims, damages, losses, and reasonable legal fees arising out of your Member Content, your use of the Site, your violation of these Terms, or your violation of the rights of another person.

18. Disputes and governing law

These Terms are governed by the laws of the state in which MEANS is based, without regard to its conflict-of-laws rules.

Let us talk first. Before filing anything, please email info@wemeansbusiness.com describing the problem. Most issues can be resolved quickly and informally.

Nothing here prevents you from bringing a claim in small-claims court, or from reporting a matter to a government agency.

19. Changes to these Terms

We may update these Terms as MEANS grows. When we do, we will change the “Last updated” date above. If a change is material (for example, a change to fees or to your rights), we will give you reasonable advance notice by email or through the member portal. Continuing to use the Site or keeping your membership after a change takes effect means you accept the updated Terms.

20. Contact us

Questions about these Terms, your membership, or billing:

MEANS (Mu Sigma Alpha Nu Delta)
Email: info@wemeansbusiness.com
Web: wemeansbusiness.com