TERMS OF SERVICE

Last Updated: May 14, 2026

Welcome to How to Align Your Ducks (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our courses, website, downloadable materials, live sessions, discussion forums, and related services (collectively, the “Services”).

By purchasing, accessing, or using our Services, you agree to these Terms.

If you do not agree to these Terms, please do not use the Services.

1. Eligibility

You must be at least 18 years old to purchase our Services.

Users under the age of 18 may use the Services only with the involvement and permission of a parent or legal guardian.

By using the Services, you represent and warrant that:

(1) all registration information you submit will be true, accurate, current, and complete;

(2) you will maintain the accuracy of such information and promptly update such registration information as necessary;

(3) you have the legal capacity and you agree to comply with these Terms of Service;

(4) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;

(5) you will not use the Services for any illegal or unauthorized purpose; and

(6) your use of the Services will not violate any applicable law or regulation.

2. Intellectual Property

All course content, videos, audios, text, photographs, graphics, branding, templates, community content created by us, and other materials (collectively, the "Content") as well as the trademarks, service marks, and logos contained therein (the "Marks"), are owned by How to Align Your Ducks or its licensors and are protected by intellectual property laws.

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

Purchasing a course grants you a limited, non-exclusive, non-transferable license to access and use the Content for personal educational purposes. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

No part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Terms of Service, please address your request to: [email protected].

No ownership rights are transferred to you.

Your Submissions:

By sending us any question, comment, suggestion, idea, feedback, or other information regarding the Services (“Submissions”), you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, publish, and incorporate such Submissions for any lawful purpose, including improving our Services, without compensation to you.

You acknowledge that we are under no obligation to keep Submissions confidential unless required by applicable law or stated in our Privacy Policy.

Any personal information associated with your Submissions will be handled in accordance with our Privacy Policy and will not be publicly disclosed without your permission except where required by law.

Your Contributions:

The Services may allow you to create, submit, post, display, transmit, publish, or share content and materials through forums, message boards, chats, or other community features (“Contributions”).

You retain ownership of your Contributions and any intellectual property rights associated with them.

By posting Contributions through the Services, you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, distribute, and use your Contributions as necessary to operate, improve, and provide the Services.

We may also use anonymized excerpts of Contributions, including quotes, transcripts, or text-based examples, for educational, support, product improvement, or promotional purposes.

We will not publicly use or display photographs, videos, audio recordings, or personally identifiable information from your Contributions for marketing purposes without your explicit permission.

You are solely responsible for your Contributions and agree not to post content that is unlawful, infringing, defamatory, abusive, or otherwise violates these Terms or applicable laws.

3. Educational Purpose Only

Our Services are provided for educational and informational purposes only.

We do not guarantee any specific outcome, financial result, or personal achievement from using our Services. Your success depends on many factors, including your own effort, experience, background, consistency, and external conditions.

Results vary from person to person.

4. Account Access and Household Sharing

When you create an account, you are responsible for maintaining the confidentiality of your login credentials.

You may share your account with members of your immediate household or family. However, sharing access outside your household, reselling access, or distributing account credentials publicly is prohibited.

We reserve the right to suspend or terminate accounts that are abused, shared beyond household, or used fraudulently.

5. Course Access

Unless otherwise stated at the time of purchase, course access is provided for a minimum of five (5) years from the date of purchase.

We may continue providing access beyond that period at our discretion. However, we do not guarantee lifetime availability of any course, platform feature, downloadable file, live session, or community area.

We reserve the right to:

- Update course content

- Modify lesson structures

- Replace or remove outdated materials

- Discontinue parts of the Services when reasonably necessary

We will make reasonable efforts to preserve customer access and value over time.

6. Payments and Merchant of Record

Payments are processed by Creem.io, which acts as the merchant of record for purchases.

By making a purchase, you also agree to any applicable terms and policies of Creem.io (Buyer Terms of Service | Creem) and the payment providers used during checkout.

Prices may change at any time, but changes will not affect purchases already completed.

7. Refund Policy

Refund requests are handled on a case-by-case basis.

We aim to treat customers fairly and reasonably. However, purchasing a course does not automatically entitle you to a refund.

Refund requests may be denied in situations including, but not limited to:

- Significant course consumption or downloading

- Abuse of the refund system

- Repeated refund requests

- Violation of these Terms

To request support or discuss a refund, please contact us directly before initiating a chargeback or payment dispute.

8. Downloadable Materials

Some Services include downloadable files, templates, worksheets, or resources.

These materials are provided for your personal use only. You may:

- Download and store them for personal use

- Print them for personal use

- Use them in your own work or business unless otherwise stated

You may not:

- Resell the materials as standalone products

- Redistribute them publicly or privately

- Upload them to piracy websites or shared repositories

- Claim ownership of our materials

9. Links

These terms of use apply only to our Sites, and not to the Sites of any other companies or organisations, including those we link to. We do not maintain, create, endorse, or take any responsibility for the contents, advertising, products or other materials made available through any other site, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other Site.

10. Community Guidelines and Discussion Forums

We may provide forums, discussion spaces, comments, chat areas, or community features.

You agree not to:

- Harass, threaten, or abuse others

- Post unlawful, defamatory, hateful, or discriminatory content

- Spam or advertise unrelated products/services

- Upload malicious software or harmful code

- Share private or confidential information without permission

- Infringe intellectual property rights

We reserve the right to moderate, remove, or restrict content or accounts that violate these rules.

11. Live Sessions

Some Services may include live sessions, workshops, Q&A calls, or events.

Schedules may change due to availability, technical issues, illness, force majeure events, or other circumstances.

We may record live sessions and make recordings available to participants.

12. No Professional Advice

Our Services do not constitute legal, financial, medical, tax, therapeutic, or other regulated professional advice.

You are responsible for evaluating and applying any information provided through the Services.

13. Privacy

Your use of the Services is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect personal information.

14. Service Availability

We strive to provide reliable and uninterrupted access to the Services. However, the Services rely on third-party platforms, software providers, hosting providers, payment processors, streaming services, community platforms, and other external technologies that are outside our direct control.

As a result, temporary interruptions, delays, errors, outages, or loss of access may occur due to scheduled maintenance, technical failures, security incidents, or other circumstances beyond our reasonable control.

While we cannot guarantee uninterrupted availability of the Services, we will make reasonable efforts to cooperate with relevant third-party providers to resolve technical issues, restore access within a reasonable timeframe when possible, and provide updates regarding major service disruptions when appropriate.

15. Limitation of Liability

To the maximum extent permitted by applicable law, How to Align Your Ducks shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Services.

Our total liability relating to any claim shall not exceed the amount you paid for the relevant Service during the twelve (12) months preceding the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

16. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

17. Termination

We reserve the right to suspend or terminate access to the Services if you:

- Violate these Terms

- Engage in illegal, fraudulent or abusive behavior

- Misuse the platform or community

- Infringe intellectual property rights

Termination may result in loss of access to purchased content and community features.

18. Governing Law

These Terms are governed by the laws of Finland, without regard to conflict of law principles.

Before initiating formal legal proceedings, both parties agree to first attempt to resolve disputes informally and in good faith by contacting the other party directly.

If a dispute cannot be resolved informally, it shall be handled in the appropriate courts of Finland unless otherwise required by applicable consumer protection laws.

19. Changes to These Terms

We may update these Terms from time to time.

If material changes are made, we may notify users through the website, email, or platform notices.

Continued use of the Services after updated Terms become effective constitutes acceptance of the revised Terms.

20. Contact Information

For questions regarding these Terms, refunds, or support requests, please contact:

How to Align Your Ducks

[email protected]

https://howtoalignyourducks.com