Terms and conditions

General Terms and Conditions for the Purchase of Digital Products, Courses, and Affiliate Products

Effective Date: August 2024

1. Scope of Application

1.1. These General Terms and Conditions (GTC) apply to all legal transactions conducted by S&J Marketing Ltd (hereinafter referred to as "the Provider," "we," "our," or "us") with customers (hereinafter referred to as "the Customer," "you," or "your") regarding the purchase of digital products, online courses, memberships, and any related services, including affiliate products, through our website or other platforms (the "Products"). By purchasing any of our Products, you agree to these GTC.

1.2. These GTC apply regardless of whether the purchase is made via remote communication means such as the Internet, email, or other digital methods, and regardless of whether you are acting as a consumer or business customer.

2. Description of Products and Services

2.1. The Products offered by S&J Marketing Ltd include digital products, online courses, membership areas, and affiliate products. The specific details of each Product, including pricing, content, and scope, are outlined on the respective product page.

2.2. The Provider determines the content, delivery method, and structure of the Products at its reasonable discretion. All content is provided on an "as is" basis, and the Provider is not liable for any third-party errors or failures in the provision of services.

2.3. By purchasing a Product, you acknowledge that the Provider makes no guarantees regarding the specific results you will achieve, as success depends on your individual effort and implementation of the strategies taught.

3. Payment and Access

3.1. All Products are sold as one-time purchases. The prices for each Product are clearly listed on the website. Payments can be made via credit card, PayPal, or other payment methods accepted by the Provider.

3.2. Payment Plans: If you choose a payment plan for any Product, you agree to make the required payments according to the schedule provided at the time of purchase. The payment schedule and the total amount due will be clearly stated before finalizing your purchase.

3.3. Authorization for Recurring Payments: By selecting a payment plan, you authorize the Provider to automatically charge your payment method for each installment on the agreed-upon dates. You are responsible for ensuring that your payment method remains valid and up-to-date for the duration of the payment plan.

3.4. Access to digital content, courses, and membership areas will be granted once payment has been successfully processed. If you are on a payment plan, access will be granted once the first payment is completed.

3.5. You are responsible for ensuring that all payment details provided are accurate and up-to-date. If there are issues with processing payments, the Provider reserves the right to suspend access to the Products until the issue is resolved.

4. Refund Policy

4.1. Due to the nature of the Products being digital and instant access being granted upon purchase, all sales are final. There are no refunds for Products, including but not limited to digital downloads, courses, or memberships.

4.2. In the case of an accidental duplicate purchase, please contact us within 24 hours of the transaction, and we will review and consider a partial refund.

4.3. Refunds will not be issued for failure to complete the course, membership, or any other Product, or for dissatisfaction with the content. It is your responsibility to fully review the course information, product description, and requirements before making a purchase.

5. Membership Areas, Course Access, and Content Usage

5.1. By purchasing a course or membership, you are granted access to the specific member area, including all content, training materials, and resources provided as part of the Product. Access is granted on a non-exclusive, non-transferable, and revocable basis.

5.2. Content provided in any member areas or courses is for personal use only. You may not copy, redistribute, sell, or make the content available to others without prior written consent from the Provider.

5.3. The Provider reserves the right to update, modify, or remove content from any course or membership area at any time without notice.

5.4. You agree not to share your login credentials or allow others to access your member area. Any unauthorized access or sharing of content may result in immediate termination of your membership and legal action.

5.5. Definition of “Lifetime Access”
“Lifetime access” refers to the lifetime of the Product itself — meaning the period during which the Provider continues to offer and support the Product. The Provider reserves the right to retire or discontinue any Product at its sole discretion. In such cases, Customers will be notified in advance and may be offered an alternative method to access or download the core content before access is removed.

6. Affiliate Program and Affiliate Products

6.1. As part of our affiliate program, you may have the opportunity to promote and earn commissions for referring others to certain Products (Affiliate Products). The terms and conditions of the affiliate program are separate from these GTC and must be agreed to separately.

6.2. When purchasing Affiliate Products through links provided by the Provider, the Provider may receive a commission from the third-party vendor. However, the Provider is not responsible for the quality, performance, or support of Affiliate Products. Any issues with Affiliate Products should be directed to the third-party vendor.

6.3. By participating in the affiliate program, you agree to comply with the rules and guidelines set forth by the Provider, and you will not engage in misleading or deceptive marketing practices to promote the Products.

7. Intellectual Property and Licensing

7.1. All content provided as part of the Products, including course materials, videos, audio files, documents, images, and other intellectual property, is owned by the Provider or its licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2. By purchasing the Product, you are granted a non-exclusive, non-transferable, and revocable license to use the content for personal purposes only. You may not reproduce, distribute, sell, or otherwise exploit the content for commercial purposes without express written permission from the Provider.

7.3. Any use of the Provider’s intellectual property for commercial purposes, including but not limited to reselling, redistributing, or reproducing the content, is strictly prohibited and will result in legal action.

8. Disclaimers and Limitations of Liability

8.1. The Provider makes no representations or warranties regarding the outcomes you will achieve by using the Products. All information provided is for educational purposes only, and the Provider is not liable for any financial loss, personal injury, or other damage arising from the use of the Products.

8.2. The Provider is not responsible for any technical issues, disruptions, or outages related to the delivery of the Products, including but not limited to internet connectivity, server downtime, or third-party service failures.

8.3. In no event shall the Provider be liable for any indirect, incidental, or consequential damages arising from the purchase or use of the Products.

9. Termination of Access

9.1. The Provider reserves the right to suspend or terminate your access to the Products if you violate these GTC or engage in fraudulent, illegal, or unethical activities.

9.2. Upon termination, you must cease all use of the Products and any content accessed through your account. No refund will be issued upon termination for breach of these terms.

10. Privacy and Data Protection

10.1. The Provider collects, stores, and processes personal data in accordance with applicable privacy laws, including the General Data Protection Regulation (GDPR). By purchasing the Products, you consent to the collection and use of your data for the purpose of delivering the Products and for related communications.

10.2. For further details on how we collect, process, and protect your personal information, please refer to our Privacy Policy: https://drive.google.com/file/d/1Lph-1y5eatelx5muVfLE7gSLFoYSivUd/view?usp=drive_link.

11. Payment Plans and Missing Payments

11.1. Payment Plan Terms
If you choose a payment plan for any Product, you agree to make the required payments according to the schedule provided at the time of purchase. The payment schedule and the total amount due will be clearly stated before finalizing your purchase.

11.2. Authorization for Recurring Payments
By selecting a payment plan, you authorize the Provider to automatically charge your payment method for each installment on the agreed-upon dates. You are responsible for ensuring that your payment method remains valid and up-to-date for the duration of the payment plan.

11.3. Consequences of Missing Payments
In the event that you miss a payment or your payment is declined for any reason, you will be notified immediately. If the payment is not successfully processed within 7 days from the due date, the Provider reserves the right to:

  • Suspend your access to the Product(s) until payment is received in full.

  • If the payment remains outstanding for more than 14 days, the Provider reserves the right to remove your access to the course, member areas, or any associated content. This will result in the termination of your access to the Product(s) until all overdue payments are fully settled.

11.4. Termination for Non-Payment
If your payment is more than 30 days overdue, your account may be terminated, and you will lose access to any purchased Products. You will also remain liable for the full amount of the agreed-upon total price, including any late fees or administrative charges that may apply.

11.5. Reinstatement of Access
If access is terminated due to missed payments, reinstatement will only occur after the overdue amount is paid in full. If you wish to reinstate access, the Provider reserves the right to charge an administrative fee in addition to the overdue payments.

11.6. No Refunds on Missed Payments
Once a payment plan is initiated, there are no refunds on any payments made. If access is suspended or terminated due to missed payments, no refund will be issued for payments already made, and you remain obligated to fulfill the total amount due as per the original agreement.

11.7. Late Fees
If a payment is more than 14 days overdue, a late fee may be charged. The late fee will be $25. Late fees will be added to the total amount due.

12. Testimonials and Use of Client Feedback

12.1. By purchasing and using the Products, you agree that the Provider may use your feedback, testimonials, or results in its marketing materials, including but not limited to websites, promotional videos, social media posts, and other forms of media. You grant the Provider the right to use such content without compensation to you.

12.2. If you wish to withdraw consent for the use of your testimonial or feedback, you may contact the Provider, but all previously published content may remain.

13. Non-Solicitation of Clients

13.1. You agree not to directly or indirectly solicit, encourage, or induce any other customer or client of the Provider to seek a refund, cancel services, or take any other action that could disrupt or harm the business relationships or operations of the Provider.

13.2. This provision will remain in effect for 2 years following the termination of your relationship with the Provider.

14. Confidentiality

14.1. You acknowledge that you may be provided with proprietary and confidential information during your access to the Products. You agree not to disclose, share, or use such information outside the purpose for which it was provided.

14.2. This confidentiality obligation remains in effect even after the termination of your access to the Products.

15. Chargebacks

15.1. Agreement to Non-Chargeback
By purchasing the Products, you expressly agree that any charges on your credit card or other payment methods are in compliance with the terms of this Agreement and are irrevocable and indisputable. You acknowledge and agree that you will not initiate a chargeback or dispute with your payment provider or financial institution regarding any payments made for the Products without first attempting to resolve any issues directly with the Provider.

15.2. Consequences of Chargeback
In the event that a chargeback is initiated by you for any payment made for the Products, the Provider reserves the right to take the following actions:

  • Immediately revoke your access to the Products, including but not limited to courses, memberships, and any digital content, until the chargeback is resolved.

  • Pursue legal action for any amounts due, including the chargeback amount, associated legal fees, and any other costs incurred due to the chargeback.

  • Report the chargeback to your financial institution and any other relevant third-party entities.

15.3. Reimbursement of Costs
If a chargeback is initiated and the dispute is found to be unfounded or unjustified, you agree to reimburse the Provider for any legal fees, administrative costs, or other associated costs incurred by the Provider in response to the chargeback, in addition to the original payment.

15.4. No Refunds Following Chargebacks
Once a chargeback has been initiated or completed, no further refunds will be issued for the Products, and you will remain liable for the full payment of the amount due. You also understand that any attempt to circumvent the terms of this Agreement through chargebacks will result in your immediate removal from the program, and legal action may be pursued.

15.5. Chargeback Fees
You agree that, if a chargeback is processed, you are responsible for paying any chargeback fees imposed by the payment processor or financial institution, as well as any other associated fees. The Provider reserves the right to charge you for these fees, and your access to the Products will remain suspended until payment is received.

16. Live Call Sessions (Applicable to Specific Courses)

16.1. Certain courses may include live calls with the Provider as part of the course offering. These live calls are designed to provide additional support, answer questions, and enhance the learning experience.

16.2. The Provider reserves the right to modify, reschedule, or cancel live calls at any time without prior notice. If any scheduled live calls are canceled or rescheduled, the Provider will attempt to notify participants as soon as possible. However, no refunds or credits will be issued for changes to the live calls.

16.3. The Provider reserves the right to remove live calls from the course offering at any time, at its discretion. In such cases, the Provider will notify participants promptly.

17. Agreement to Terms

17.1. By completing your purchase, you acknowledge that you have read, understood, and agree to be bound by these General Terms and Conditions, including the Privacy Policy and any other policies referenced herein.

18. Affiliate Program

18.1. The Provider may offer an affiliate program that allows approved participants ("Affiliates") to promote certain Products and earn commissions for referred sales, in accordance with these Terms.

18.2. Participation in the affiliate program is by application or invitation only and may be revoked at any time, at the Provider’s sole discretion, without notice.

18.3. Commissions are earned only on eligible purchases of active Products that are currently available for sale. If a Product is retired, removed, or discontinued, no further commissions will be paid for that Product, even if affiliate links remain live or are accessed after removal.

18.4. The Provider reserves the right to modify, pause, or terminate the affiliate program — or any specific affiliate’s participation — at any time, for any reason, without obligation to provide continued access, commissions, or support.

18.5. Affiliates must ensure all promotional activities comply with applicable laws and advertising standards in their own jurisdiction, including clear and visible disclosure of affiliate relationships where required. All marketing of our Products must be truthful, transparent, and in alignment with ethical practices.

18.6. Commissions are tracked via the Provider’s affiliate platform. The Provider is not responsible for technical issues, missed referrals, or improperly configured affiliate links.

18.7. Payouts are made on a biweekly basis, provided that the minimum payout threshold (if any) is met and no refund or chargeback has occurred on the referred transaction.

18.8. Upon termination of the affiliate program, no further commissions will accrue or be paid. Any outstanding approved commissions will be paid out within 30 days of the program’s closure.