Terms and Conditions

Last Updated: June 5th, 2026

Welcome to Stephonomics.com. By accessing this Website or purchasing any digital products, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Website or purchase our products.

These terms and conditions outline the rules and regulations for the use of Stephonomics's Website, located at https://stephonomics.com/termsandconditions.

1. Digital Products

All products sold on this Website are digital products and delivered electronically unless otherwise stated. No physical items will be shipped.

Once payment is confirmed, you will receive access to the purchased product via download link, email, or user account access.

2. No Refund Policy

Due to the nature of digital products, all sales are final.
We do not offer refunds, exchanges, or cancellations once access has been granted, unless otherwise required by law.

It is your responsibility to review the product description before purchasing.

3. Educational & Informational Purposes Only

All content provided through our digital products, Website, emails, social media, or other platforms is intended for educational and informational purposes only.

• We are not financial advisors, investment advisors, tax professionals, or legal professionals.

• Nothing provided constitutes financial, investment, tax, or legal advice.

• You should consult with a qualified professional before making financial decisions.

4. No Guarantees

We make no guarantees regarding income, profits, financial outcomes, credit improvement, investment performance, or results of any kind.

Any examples, case studies, or testimonials are not ordinary results and are not a promise of future performance.

Your results depend on many factors, including but not limited to your effort, financial situation, experience, and market conditions.

5. Assumption of Risk

You acknowledge that all financial decisions carry risk. By purchasing and using our products, you agree that:

• You are solely responsible for your financial decisions and outcomes.

• We are not liable for any losses, damages, or adverse outcomes.

6. Intellectual Property

All content, including but not limited to text, graphics, videos, worksheets, templates, logos, and branding, is the intellectual property of Stephonomics.

You may not:

• Copy, reproduce, distribute, resell, or share any product

• Modify or create derivative works

• Share login credentials or purchased materials

Violation may result in legal action.

7. License for Personal Use Only

When you purchase a digital product, you are granted a limited, non-transferable, non-exclusive license for personal use only.

Commercial use, resale, or redistribution is strictly prohibited unless explicitly authorized in writing.

8. Account Responsibility (If Applicable)

If your purchase includes account access:

• You are responsible for maintaining the confidentiality of your login information

• You are responsible for all activity under your account

9. Limitation of Liability

To the fullest extent permitted by law, Stephonomics shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Website or digital products.

10. Indemnification

You agree to indemnify and hold harmless Stephonomics, its owners, employees, contractors, and affiliates from any claims, damages, or expenses arising from your use of the Website or products.

11. Third-Party Links & Tools

We may provide links to third-party websites or tools. We are not responsible for their content, accuracy, or policies. Use them at your own risk.

12. Modifications to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Website.

Continued use of the Website constitutes acceptance of the updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

14. Contact Information

If you have questions about these Terms, please contact us at:

Email: [insights@stephonomics.com]
Business Name: [Stephonomics]
Website: [stephonomics.com]