You agree to the terms of service below, and the Terms of Use for Substack, the technology provider.

LEGAL NOTICE
These Terms of Service are protected by Copyright and owned by tcomethod.com.  These Terms were purchased from Termsfeed.com and modified by legal counsel in the State of New York at the Company's expense.
Reproducing or editing these Terms for personal or business use without written consent is a breach of intellectual property rights and may lead to legal action.

Terms of Service

TCOMethod.com (“the Company”, “Us”, “We”, or “Our”) operates the Content of https://tcomethod.substack.com (the “Service”) hosted on the Substack.com platform (the “Technology Provider” or “Substack”).

Please read these Terms of Service carefully before using Our Service. Use of the Service, reading its Blog, accessing the Newsletter You Subscribed to, or using any associated services from the Company implies acceptance and acknowledgement of these Terms of Service and the Substack Terms of Use and Privacy Policy. If you disagree in full or in part with any policy stated in any of these Policies, You must discontinue use of the Service immediately. These Terms apply to all visitors, users and others who wish to access or use the Service.

Summary of this Agreement

By accessing anything on https://tcomethod.substack.com or Subscribing to the Content therein on Substack.com, you agree to these Terms of Service.
Content published here is for informational and entertainment purposes and is an advertisement for services provided by tcomethod.com and Affiliated companies only and does not constitute professional, financial, investing, business or other advice.
Subscribing to the Service does not create a consulting, advisory, coaching or educational relationship between you and Andy McQuade or any business owned, managed or operated by him or any agents authorized to do work on his behalf.
Content you access on https://tcomethod.substack.com or provided to you via Substack on behalf of this Service is not sold to you but licensed to you and you must discontinue use of the intellectual property herein under any circumstance where your Subscription is terminated.
No refunds are available for any content provided on or through this platform, except where required by law.
All content is provided “ as-is” with no warranty of accuracy or fitness for a particular purpose.
You are responsible for any and all decisions, actions or inactions taken or not taken based on Our Content contained on or provided by this platform.
Any disputes that cannot be resolved between parties will be handled under United States Law and must be filed and presented before the courts of Wayne County, New York, United States.

Please review the policy below for full details.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms of Service:

Account refers to Your individual or company login which is used to access the Service on the Substack platform or your email address where Content from the Service is delivered.
AI refers to any Artificial Intelligence programs or machine learning models, LLMs, tools, agents or systems.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Country refers to: New York, United States
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to TCOMethod.com, 1900 Empire Boulevard, Ste #174, Webster NY 14580.
Content refers to content such as text, images, or other information that can be read, posted, uploaded, linked to or otherwise made available to You or that You can post in the comments, regardless of the form of that content.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.
Newsletter (also referred to as “Blog”, “Articles”, “Case Studies”, or “Whitepapers”) refers to the Content of the Service.
Paid refers to Your transfer of legal tender to the Substack platform in exchange for a Subscription to Our Content on the Service which is then transferred to the Company by Substack, less applicable fees taken for use of Substack’s platform.
Party refers to You, the User of the Service, or the Company and Parties should be construed to mean the Company and You, inclusively.
Policy refers to the disclosure statements & policies published by Substack.com or the Company.
Service refers to https://tcomethod.substack.com.
Subscription refers to the arrangement between You and the Company whereby You receive or can access the Content of the Service on Substack.
Substack.com (also referred to as the “Technology Provider” or “Substack”) is the hosting platform and background technology provider for the Service.
Terms of Service (also referred to as “Terms” or “Terms of Use”) mean these Terms of Service that form the entire agreement between You and the Company regarding the use of the Service.
Third-Party means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
Website refers to the website TCOMethod.com, accessible from https://tcomethod.com
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms of Service governing the use of this Service and the agreement that operates between You and the Company. These Terms of Service set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms of Service. These Terms of Service apply to all visitors, users and others who access or use the Service.

By accessing or using the Service, You agree to be bound by these Terms of Service. If You disagree with any part of these Terms, then You may not access the Service.

These Terms of Service constitute the entire agreement between You and the Company. No other terms, verbal or written, will apply.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company and the Privacy Policy of Substack. These Policies describe the policies and procedures on the collection, use and disclosure of Your personal information when You use the Service and tells You about Your privacy rights and how the law protects You. Please read these Privacy Policies carefully before using the Service.

Third-Party Terms

These Terms of Service are independent of and do not replace Substack’s Terms of Use, which apply separately to Your use of the Substack platform.

Our Service may contain links to Third-Party web sites or services that may not be owned or controlled by the Company. Third-Party Content of this kind is provided for convenience only.

The Company has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services, including other content on the Substack platform. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services including those found on Substack.

We strongly advise You to read the terms and conditions and privacy policies of any Third-Party web sites or services that You visit.

No Professional Advice or Guarantee

Content on the Service created or provided by the Company or its Affiliates including but not limited to articles, whitepapers, case studies, newsletters, videos, podcasts, coaching and/or training materials, templates, guides, courses, AI-generated content, AI tools/agents, and any related resources including downloadable files of any kind is provided for informational and entertainment purposes only and is an advertisement for services provided by the Company and its Affiliates.

No Guarantee

The Content contains information and opinions on business and real estate but the Company and its Affiliates do not guarantee specific results from the use of the information in the Content or Service.

Outcomes depend on specific circumstances beyond Our control. What may have worked in any examples given in the Content for a particular client or customer may not work for You. Past performance is not a guarantee of future results.

For more information, please see the details below in the “Limitation of Liability” section.

Not Professional Advice

The information and opinions shared on the Service and Content are not, and shall not be construed as legal, financial, tax, investing, business or professional advice.

You should consult with Your own team of qualified advisors and experts You trust before taking action based on anything shared in the Content or Service.

By using any information in the Content or Service, You acknowledge that You are solely and entirely responsible for any and all actions, decisions and outcomes from the use of any information in the Content or Service You use.

No Consulting Relationship

Your Subscription to the Service and/or use of the Substack platform does not constitute a consulting, advisory, coaching or educational relationship between You and Andy McQuade or the Company, its Affiliates, or any other person or business entity.

Andy McQuade does not provide any services of any kind separately from the Company and its Affiliates.

Consulting, coaching, education and advisory services, including licenses for company use of the Content on the Service from the Company are provided separately from the Service and are subject to and governed by the terms laid out in their own specific agreements which are provided before the commencement of any consulting, coaching, education or advisory services or relationship.

No liability relating to any consulting, coaching, education or advisory services shall be applicable under these Terms of Service.

Intellectual Property Rights, Copyright Policy, & Limited License

Ownership & Copyright

All Content published on the Service, including but not limited to articles, whitepapers, case studies, newsletters, videos, podcasts, coaching and/or training materials, templates, guides, courses, AI-generated content, AI tools/agents, and any related resources including downloadable files of any kind is the exclusive property of the Company, unless otherwise stated, and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. All rights are reserved.

The TCO Method® is a registered trademark of ARM Procurement Advisors LLC, a Limited Liability Company formed and registered in the State of Delaware, United States and registered in the State of New York, United States.

Intellectual Property

The Service and its original Content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors and Affiliates.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Limited License for Personal & Internal Business Use

By accessing the Service, You are granted a time-limited, non-exclusive, non-transferable, revocable license to access and use the Content for Your personal use and/or for internal business use within Your wholly owned company for as long as You maintain a Paid Subscription to the Service. This does not grant permission to modify, republish, or distribute Content for commercial purposes.

If multiple individuals who own a company or business together will be accessing the Content on the Service, each individual must have their own unique, individual Paid Subscription to the Service. Group rates are available when signing up for a Paid Subscription to the Service on the Substack platform.

If You intend to use the Content on the Service in a business or on behalf of a company You do not Own, You must purchase a separate license from the Company which will be governed by a separate agreement outside the Substack platform and will not be subject to these Terms of Service on Substack.

Prohibited Commercial Use
You may not use Content on the Service to create, market, or distribute competing products or services, including but not limited to templates, tools, systems, podcasts, videos, guides or other publications of any kind without prior written permission.
Requirement to delete, destroy or remove
Upon the termination of your Paid Subscription to the Service, all rights and licenses for use of the Content provided on the Service or to You in any other form or means of transmission including but not limited to emails, podcasts, videos, guides or other means end immediately. You must delete and/or remove all downloaded, copied or recorded Content from the Service in Your possession and acknowledge that We consider any further use of the Content as theft and may be subject to legal action.

Prohibited Uses:

You may not:

Use automated bots, crawlers, or scrapers to access or copy Content from the Service for any purpose.
Enter, share with or train AI with the Content for any reason.
Copy, display, modify, distribute, sell, transfer, sublicense, alter, rent, loan, republish, or create derivative works of the Content (in whole or in part) on any part of the Service without written permission from the Company.
Remove, alter, or obscure copyright notices or proprietary rights statements.
Reverse-engineer or otherwise attempt to recreate or steal the Content on the Service

Enforcement:

We take intellectual property rights seriously, and any unauthorized use of Our Content may result in legal action. To report misuse, contact Us at legal@tcomethod.com

Intellectual Property Infringement

We respect the intellectual property rights of others. It is Our policy to respond to any claim that Content posted on the Service infringes a copyright or other intellectual property infringement of any person.

If You are a copyright owner, or authorized on behalf of one, and You believe that the copyrighted work has been copied in a way that constitutes copyright infringement that is taking place through the Service, You must submit Your notice in writing to the attention of our copyright agent via email at dmca@tcomethod.com and include in Your notice a detailed description of the alleged infringement.

You may be held accountable for damages (including costs and attorneys’ fees) for misrepresenting that any Content is infringing Your copyright.

DMCA Notice and DMCA Procedure for Copyright Infringement Claims

You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright’s interest.
A description of the copyrighted work that You claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work.
Identification of the URL or other specific location on the Service where the material that You claim is infringing is located.
Your legal address for notice, Your working telephone number, and Your email address.
A statement by You that You have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
A statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright owner or authorized to act on the copyright owner’s behalf.

You can contact our copyright agent via email at dmca@tcomethod.com.

Upon receipt of a notification, the Company will take whatever action, in its sole discretion, it deems appropriate, including removal of the challenged Content from the Service.

Your Right to Post Content

The Service allows You to post Content. You are responsible for the Content that You post to the Service, including its legality, reliability, and appropriateness.

By posting Content to the Service, You grant Us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service. You retain any and all of Your rights to any Content You submit, post or display on or through the Service and You are responsible for protecting those rights. You agree that this license includes the right for Us to make Your Content available to other users of the Service, who may also use Your Content subject to these Terms.

You represent and warrant that: (i) the Content is Yours (You own it) or You have the right to use it and grant Us the rights and license as provided in these Terms, and (ii) the posting of Your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.

Content Restrictions

The Company is not responsible for the content of the Service’s users. You expressly understand and agree that You are solely responsible for the Content and for all activity that occurs under your account, whether done so by You or any third person using Your account.

You may not transmit any Content that is unlawful, offensive, upsetting, intended to disgust, threatening, libelous, defamatory, obscene or otherwise objectionable. Examples of such objectionable Content include, but are not limited to, the following:

Unlawful or promoting unlawful activity.
Defamatory, discriminatory, or mean-spirited content, including references or commentary about religion, race, sexual orientation, gender, national/ethnic origin, or other targeted groups.
Spam, machine – or randomly – generated, constituting unauthorized or unsolicited advertising, chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling.
Containing or installing any viruses, worms, malware, trojan horses, or other content that is designed or intended to disrupt, damage, or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of a third person.
Infringing on any proprietary rights of any party, including patent, trademark, trade secret, copyright, right of publicity or other rights.
Impersonating any person or entity including the Company and its employees or representatives.
Violating the privacy of any third person.
False information and features.

The Company reserves the right, but not the obligation, to, in its sole discretion, determine whether or not any Content is appropriate and complies with these Terms, refuse or remove this Content. The Company further reserves the right to make formatting and edits and change the manner any Content. The Company can also limit or revoke the use of the Service if You post such objectionable Content.

As the Company cannot control all content posted by users and/or third parties on the Service, you agree to use the Service at your own risk. You understand that by using the Service You may be exposed to content that You may find offensive, indecent, incorrect or objectionable, and You agree that under no circumstances will the Company be liable in any way for any content, including any errors or omissions in any content, or any loss or damage of any kind incurred as a result of your use of any content.

Content Backups

The Company does not provide, and is not responsible for the preservation, copying of, and/or “backing up” of any Content You post on the Service or on the Substack platform.

Any such backups, if any exist, are governed by the Substack Terms of Use and provided by Substack, and the Company shall not be liable for any damages that You might incur from the existence of or lack of a backup or copy of any Content.

Your Feedback to Us

You assign all rights, title and interest in any Feedback You provide the Company in any form, on or off the Service. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

Refunds & Chargebacks

All sales final

No refunds, exchanges, or credits will be provided for Subscriptions or any other products, services, or content of any kind which were provided to You by the Company and/or its Affiliates or through Substack or any other means including but not limited to emails, digital downloads, educational content, templates, podcasts, videos, or guides except where required by applicable law.

No Trial Periods or Pro-rated or Partial Refunds

The Company does not offer trial periods or partial refunds for unused portions of a Subscription, digital product, or service. Once a transaction is complete, it is non-refundable for any reason.

Chargebacks & Payment Disputes:

By completing a transaction on Substack for a Paid Subscription to the Content on the Service, You acknowledge and agree that You waive Your right to dispute charges with your bank or payment provider. If any chargebacks are initiated for any reason, we reserve the right to:

Block access to all Content and services.
Pursue collection actions, including legal remedies, to recover the disputed amount as well as any damages from the disclosure or unlicensed use of Our intellectual property.
Report fraudulent chargebacks to payment processors and relevant authorities.

Payments for Consulting, Coaching, Education and Advisory Services

Consulting, Coaching, Education & Advisory Services provided by the Company are covered under separate terms and agreements, and refunds (if any) are governed by those terms. Any applicable refunds are governed by the language of the individual agreement and are not associated with, or subject to, these Terms of Service on the Substack platform.

Termination

We may terminate or suspend Your Subscription and Your Account access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms of Service.

Upon termination, Your right to use the Service, as well as the right to use the intellectual property on the Service and contained within the Content will cease immediately. For more information on Your responsibilities when your Subscription is terminated, see the information in the section “Limited License for Personal & Internal Business Use” under “Intellectual Property Rights”, in these Terms of Service above.

If You wish to terminate Your Subscription to the Service, You may do so by following the process outlined on and required by the Substack platform.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Andy McQuade or the Company or its Affiliates be liable for any special, incidental, indirect, punitive or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of these Terms), even if notification of the possibility of such damages has been made and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

“AS IS” and “AS AVAILABLE” Disclaimer

No Warranties

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Limited Liability

Without limiting the foregoing, neither Andy McQuade or any the Company nor any of the company’s provider, its Affiliates or its suppliers makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, Content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

In no event shall Andy McQuade, the Company or its affiliates be liable for damages related to Your use or reliance on the Content or any errors, omissions or inaccuracies in any Content, including products, guides, templates and AI-generated materials, security breaches, data loss, Substack platform failures, or unauthorized access to Your information.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Liability Cap

Notwithstanding any damages that You might incur, if liability is found, the entire liability of Andy McQuade or the Company, or its Affiliates under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually Paid by You through Substack in the three (3) months preceding the event. If no legal tender or other financial remuneration was received by the Company, the Company shall have no liability whatsoever.

Neither Andy McQuade nor the Company and/or its Affiliates shall be liable for any claims, legal disputes, or damages brought against You by third parties as a result of using the Content on the Service.

No Guarantee of Continued Access

Your Subscription, paid or unpaid, does not guarantee that the Content will continue to be provided or be made available to You indefinitely. The Company reserves the right to modify, discontinue, or replace any Content, including but not limited to articles, whitepapers, case studies, newsletters, videos, podcasts, coaching and/or training materials, templates, guides, courses, AI-generated content, AI tools/agents, and any related resources including downloadable files of any kind, at Our sole discretion without prior notice.

Force Majeure

Neither Andy McQuade nor The Company or its Affiliates shall be responsible for any failures, delays, or damages resulting from events beyond its reasonable control, including but not limited to Acts of God, platform failures, cyberattacks, government actions, acts of nature, acts of war or other force majeure events.

For the avoidance of doubt, the disclaimers in this section expressly apply to the use of any Content but especially the intellectual property described in the Intellectual Property Rights, Copyright Policy, & Limited License section in these Terms above.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.

Any disputes arising out of or related to these Terms of Service shall be subject to jurisdiction of the Courts of Wayne County, New York, United States.

Any claim or cause of action arising out of or related to these Terms or Your use of the Service must be filed within one (1) year after such claim or cause of action occurred. The claim is permanently barred after this time has elapsed unless applicable law allows.

Dispute Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.

United States Federal Government End Use Provisions

If You are a U.S. federal government end user, our Service is a “Commercial Item” as that term is defined at 48 C.F.R. §2.101.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a Party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on Our Service.

You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. Changes take effect immediately upon posting on the Service. By continuing to access or use the Service after any revisions become effective, You agree to be bound by the revised terms. It is your responsibility to review these Terms of Service regularly for changes and updates. If You do not agree to the updated Terms, in whole or in part, you must stop using the service.

Acceptance of Agreement

Accessing, downloading, reading, viewing or using any Content on the Service constitutes Your agreement to abide by these Terms of Service and You confirm and attest that you have read, understood, and agree to these Terms in full as published.

Published October 9th, 2025
Updated October 10th, 2025

Contact Us

If you have any questions about these Terms of Service, You can contact us:

By email: substack@tcomethod.com

By visiting this page on our Website: https://tcomethod.com/contact

The TCO Method ®