TERMS OF SERVICE

Effective Date: August 27, 2026

These Terms of Service govern your use of the Street Smart Business School online store and your purchase or use of products offered through the website.

By visiting the website, purchasing a product, downloading material, or otherwise using our services, you agree to these Terms of Service.

1. DIGITAL PRODUCTS

Street Smart Business School primarily sells digital educational products, including workbooks, guides, templates, educational materials, downloads, and related resources.

Unless specifically stated otherwise, no physical product will be shipped.

2. PAYMENT

Prices are displayed at the time of purchase and are subject to change without notice.

Payment must be successfully processed before digital products or services are delivered.

Customers are responsible for providing accurate billing and payment information.

3. ALL SALES FINAL

Digital product purchases are final and non-refundable once payment has been processed, to the fullest extent permitted by applicable law.

By purchasing a digital product, you acknowledge that access or delivery may begin immediately after payment.

Please review product descriptions carefully before purchasing.

4. PERSONAL-USE LICENSE

Unless specifically stated otherwise, digital products purchased through Street Smart Business School are licensed to the original purchaser for personal use only.

Purchasing a product does not transfer ownership of the intellectual property contained within it.

You may not:

• Resell the product
• Redistribute the product
• Share download links
• Upload purchased materials to public websites or file-sharing services
• Reproduce the product for resale
• Remove copyright or ownership notices
• Create unauthorized derivative products
• Use the material as your own commercial product
• Transfer your license to another person

5. INTELLECTUAL PROPERTY

All website content, trademarks, logos, graphics, product designs, workbooks, text, videos, downloads, educational materials, and other intellectual property remain the property of their respective owners.

Street Smart Business School content may not be reproduced, republished, distributed, sold, or commercially exploited without written authorization.

6. EDUCATIONAL PURPOSES ONLY

Street Smart Business School products and content are provided for educational and informational purposes.

Nothing provided through the website constitutes individualized legal, tax, accounting, financial, investment, telecommunications, medical, or other professional advice.

Customers are responsible for evaluating information and making their own decisions.

Where appropriate, customers should consult qualified professionals.

7. NO GUARANTEE OF RESULTS

We do not guarantee that purchasing or using any Street Smart Business School product will produce a particular financial, business, savings, income, employment, investment, or other outcome.

Examples, illustrations, case studies, savings calculations, income examples, and potential results are provided for educational purposes.

Individual results vary.

8. THIRD-PARTY PRODUCTS AND SERVICES

Our materials may discuss, recommend, reference, or link to third-party companies, software, carriers, service providers, products, websites, or platforms.

Street Smart Business School does not control third-party businesses and is not responsible for:

• Changes in pricing
• Product availability
• Terms of service
• Service quality
• Coverage
• Compatibility
• Promotions
• Policies
• Third-party claims

Customers should independently verify current information before purchasing or switching third-party products or services.

9. AFFILIATE DISCLOSURE

Street Smart Business School may receive compensation, commissions, referral fees, affiliate payments, or other benefits when users purchase certain third-party products or services through links provided on our website.

Any such compensation does not increase the price charged to the customer unless otherwise disclosed.

10. PRODUCT INFORMATION

We make reasonable efforts to describe products accurately.

However, we do not guarantee that descriptions, graphics, screenshots, prices, specifications, third-party information, or other content will always be completely current or error-free.

Digital products may be updated, revised, replaced, or discontinued at any time.

11. DIGITAL ACCESS

You are responsible for maintaining compatible hardware, software, internet access, email access, PDF readers, or other technology necessary to use purchased digital products.

Failure to maintain compatible technology does not automatically create a right to a refund.

12. PROHIBITED USE

You may not use our website or products:

• For unlawful purposes
• To violate intellectual-property rights
• To distribute malware or harmful code
• To attempt unauthorized access to systems or accounts
• To engage in fraud or misrepresentation
• To interfere with website operations
• To copy or commercially exploit protected content without permission

13. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Street Smart Business School and its owners, affiliates, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, punitive, or similar damages arising from your use of the website, products, services, third-party recommendations, or educational materials.

Where liability cannot legally be excluded, liability will be limited to the maximum extent permitted by applicable law.

14. INDEMNIFICATION

You agree to indemnify and hold harmless Street Smart Business School and its owners, affiliates, employees, contractors, and service providers from claims, losses, liabilities, damages, expenses, or costs arising from your misuse of the website, violation of these Terms, infringement of third-party rights, or unlawful activity.

15. WEBSITE AVAILABILITY

We do not guarantee uninterrupted or error-free access to the website.

We may modify, suspend, restrict, or discontinue any portion of the website, products, or services when reasonably necessary.

16. CHANGES TO THESE TERMS

We may update these Terms of Service from time to time.

The version posted on the website at the time of use will apply to your use of the website and purchases, subject to applicable law.

17. SEVERABILITY

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.

18. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, Refund Policy, and any product-specific terms, constitute the agreement governing your use of the website and purchases from Street Smart Business School.

19. CONTACT

Questions regarding these Terms may be submitted through the contact information provided on our website.

Street Smart Business School
shop.SSBSPhD.com