Terms of Service
1. Agreement
These Terms of Service ("Terms") govern your access to and use of our websites, digital products, and services (collectively, the "Services"). By purchasing or using our Services, you agree to these Terms.
2. Eligibility
You must be the age of majority in your province/territory and capable of entering a binding contract.
3. Products & license
We sell digital educational content (e.g., PDFs, guides, templates). Upon purchase, we grant you a personal, non‑exclusive, non‑transferable license for your own use.
No redistribution. You may not copy, resell, share, or make our content publicly available without written permission.
4. Pricing & payments
Prices are shown in CAD unless stated otherwise. Taxes may apply.
Payments are processed by third‑party processors (e.g., Stripe). You authorize charges to your selected payment method.
5. Delivery
Digital items are delivered via download links and/or email to the address you provide. Ensure your email is accurate.
6. Refunds
Unless a specific guarantee is stated on the product page, all sales are final for digital goods. If a guarantee is offered (e.g., 7‑day refund), its terms on the checkout/offer page control.
7. Acceptable use
You agree not to: (a) violate any laws; (b) attempt to access our systems without authorization; (c) interfere with the security or integrity of the Services; (d) misuse intellectual property; (e) engage in fraudulent or deceptive activity (including chargeback abuse).
8. Intellectual property
All content, trademarks, and materials are owned by S&D Ventures or its licensors and protected by applicable laws. No rights are granted except as expressly stated.
9. Disclaimers
Our content is for educational purposes only. We do not provide financial, legal, or tax advice. Results vary and are not guaranteed.
10. Limitation of liability
To the fullest extent permitted by law, S&D Ventures is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenue, arising from your use of the Services.
11. Indemnification
You agree to indemnify and hold S&D Ventures harmless from claims, liabilities, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms or misuse of the Services.
12. Changes to the Services and Terms
We may modify or discontinue portions of the Services. We may update these Terms; continued use after changes means you accept the updated Terms.
13. Governing law
These Terms are governed by the laws of the Province of Ontario and applicable Canadian federal laws. Venue and jurisdiction lie in Ontario courts.
14. Contact
Questions: [email protected].