Terms & Conditions

1. Acceptance of Terms

By accessing or using fandiq.com (the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the Site. These terms apply to all visitors, readers, and anyone who downloads content or submits a contact form.

2. Intellectual Property & Content Ownership

All content on this Site — including but not limited to written articles, blog posts, training materials, PDF lesson modules, book excerpts, audio, video, photographs, graphics, and the overall design — is the intellectual property of Lloyd W. Trushel and F&IQ Training and Development, unless otherwise noted.

Copyright © 2011–2025 Lloyd W. Trushel / F&IQ Training and Development. All rights reserved. Unauthorized reproduction, redistribution, or use of any content from this Site — in whole or in part — is prohibited without prior written consent from the copyright holder.

3. Free PDF Lesson Downloads

F&IQ Training and Development makes a number of lesson modules available as free PDF downloads. These materials are provided for personal, non-commercial use by individual F&I professionals only. By downloading any PDF from this Site, you agree to the following:

• You may read and use the materials for your own professional development.
• You may not reproduce, print in bulk, redistribute, sublicense, resell, or share the PDFs — in whole or in part — without prior written permission.
• You may not repackage, edit, or present the content as your own work.
• You may not use the materials for commercial training programs without a licensing agreement with F&IQ Training and Development.

Requests for group or organizational use should be directed to lloyd@consatorgroup.com.

4. No Warranty — Educational Content

All training content, articles, lessons, book excerpts, videos, and other materials on this Site are provided for educational purposes only, on an "as is" and "as available" basis. F&IQ Training and Development makes no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, suitability, or applicability of any content to your specific situation.

F&I results vary based on individual skill, dealership culture, customer demographics, market conditions, and many other factors outside our control. Nothing on this Site constitutes a guarantee of any particular outcome, income level, or performance metric.

5. Limitation of Liability

To the fullest extent permitted by applicable law, F&IQ Training and Development, Lloyd W. Trushel, and any affiliated parties shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this Site or its content, even if advised of the possibility of such damages.

Our total liability to you for any claim arising out of or relating to these Terms or your use of the Site shall not exceed the amount you have paid to F&IQ Training and Development in the twelve (12) months preceding the claim. Because this Site offers free content, that amount may be zero.

6. External Links — Third-Party Retailers & Sites

This Site contains links to external websites, including Amazon, Audible, Apple Books, Google Play Books, Powell's Books, and others. These links are provided for your convenience. When you click through to a third-party site, you leave fandiq.com and are subject to that site's own terms of service and privacy policy.

F&IQ Training and Development is not responsible for the content, accuracy, availability, or privacy practices of any external website. The inclusion of a link does not imply endorsement of that site or its content beyond the specific product or resource referenced.

7. Contact Form — No Contract Created

Submitting a contact or inquiry form on this Site does not create a coaching agreement, consulting contract, or any other binding business relationship. A form submission is simply an expression of interest. Lloyd Trushel or a team member will review your inquiry and respond personally to discuss whether a coaching engagement is a good fit for your needs and situation.

A formal coaching agreement, if any, will only exist once a separate written agreement has been signed by both parties.

8. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Alabama, United States, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts located in Alabama.

9. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time, without prior notice. Changes take effect immediately upon posting to this page. The "Last Updated" date at the top of this page reflects when the most recent revision was made. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

We encourage you to review this page periodically to stay informed of any updates.

10. Contact Us

If you have questions about these Terms & Conditions, or to request permission for any use of our content, please contact: