Terms and Conditions

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By accessing, browsing, or using this website, and by purchasing or viewing any content, you agree to be bound by the following Terms and Conditions. If you do not agree, you must discontinue use of this website immediately.
1. Nature of Products and Access
All products, services, memberships, courses, content, and materials offered through this website are provided for viewing and access only, unless explicitly stated otherwise.
Not all products are available for download
Some products may be streaming, view-only, or access-based
Access is granted as a revocable license, not a transfer of ownership
The website owner reserves the sole and absolute right to modify, suspend, limit, or revoke access to any product, service, or content at any time, with or without notice.
2. Revocation of Access
You acknowledge and agree that:
Any access granted may be revoked at any time
Revocation may occur for any reason, including but not limited to:
Policy violations
Misuse of content
Platform changes
Business decisions
Security or compliance concerns
Revocation of access does not entitle you to a refund, credit, or replacement.
3. No Refund Policy
All purchases are final.
Due to the digital nature of the products and the immediate granting of access, no refunds, returns, chargebacks, or exchanges are permitted under any circumstances.
By completing a purchase, you expressly waive any right to dispute or reverse payment.
4. Educational, Informational, and Entertainment Purposes Only
All content provided on this website is offered for educational, informational, journalistic, and entertainment purposes only.
Nothing on this website constitutes:
Legal advice
Tax advice
Financial advice
Accounting advice
Investment advice
Professional services of any kind
You are solely responsible for conducting your own independent research, due diligence, and verification before taking any action.
5. Investigative Journalism & Independent Research
The website owner operates as an investigative journalist and independent researcher.
All content reflects:
Research findings
Analysis
Commentary
Opinion
Hypothetical examples
Public-record interpretation
Such content is protected expression under the First Amendment and is not a directive, instruction, or professional recommendation.
6. Assumption of Risk
By using this website and its content, you acknowledge that:
You assume full responsibility for how you interpret and apply information
You understand results are not guaranteed
You agree that the website owner is not liable for any outcomes, losses, damages, or consequences arising from your use of the content
7. Intellectual Property
All content on this website—including text, videos, graphics, downloads, branding, and course materials—is protected by copyright and intellectual-property laws.
You may not:
Reproduce
Redistribute
Resell
Share
Record
Publish
Create derivative works
without explicit written permission.
8. No Client or Fiduciary Relationship
Use of this website does not create:
An attorney-client relationship
A fiduciary relationship
A consulting relationship
Any duty of care beyond content access
9. Changes to Terms
These Terms and Conditions may be updated or modified at any time without notice. Continued use of the website constitutes acceptance of the revised terms.
10. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict-of-law principles.