1. Acceptance of TermsBy accessing or using
businesscreditdiy.com (“Site”), purchasing any product, subscribing to any email list, or otherwise interacting with this Site, you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”).
If you do not agree to these Terms, do not use this Site or purchase any products.
These Terms constitute a legally binding agreement between you and Business Credit DIY (“we,” “us,” or “our”).
2. EligibilityYou must be at least
18 years of age to use this Site or purchase any products. By using this Site, you represent and warrant that:
- You are at least 18 years old
- You have the legal capacity to enter into this agreement
- You are not prohibited from using this Site under any applicable law
- All information you provide to us is accurate and truthful
3. Products and Services3.1 Digital Products
We sell digital educational products delivered as PDF files. All products are delivered electronically. No physical products are shipped.
3.2 Free Content
We offer a free blueprint PDF and email educational sequence. By providing your email address, you agree to receive these communications. You may unsubscribe at any time.
3.3 Product Descriptions
We make every effort to accurately describe our products. However, we do not warrant that product descriptions, images, or other content on this Site are complete, accurate, reliable, current, or error-free.
4. Payment and Pricing4.1 Pricing
All prices are listed in United States Dollars (USD). Prices are subject to change without notice. The price you see at the time of purchase is the price you will pay.
4.2 Payment Processing
Payments are processed through PayPal and/or Stripe. We do not store your credit card information on our servers. By providing payment information, you agree to the terms and conditions of the respective payment processor.
4.3 Taxes
You are responsible for any applicable sales tax, use tax, or other taxes imposed by your jurisdiction. We do not collect sales tax unless required by law.
4.4 Currency and Exchange Rates
All transactions are processed in USD. If you are purchasing from outside the United States, your bank or payment processor may charge currency conversion fees. We are not responsible for these fees.
5. Digital Delivery5.1 Immediate Delivery
Upon successful payment, you will receive an email containing a download link for your purchased product. Delivery is immediate and automatic.
5.2 Download Links
- Download links expire 48 hours after purchase
- You may download the file up to 3 times within the 48-hour window
- After the link expires, no replacement link will be provided
- You are responsible for saving the file to your device immediately after purchase
5.3 Failed Delivery
If you do not receive the download email within 30 minutes of purchase, check your spam/junk folder. If the email is not there, contact us at hello@businesscreditdiy.com with your order number. We will investigate and provide a replacement link if the original delivery failed due to a technical error on our end.
6. Refund Policy — All Sales Are Final
All sales are final. No refunds, returns, exchanges, or cancellations.
Because our products are digital downloads delivered immediately upon purchase, we do not offer refunds under any circumstances. This policy is strictly enforced.
6.1 No Refunds For
- Change of mind after purchase
- Accidental or duplicate purchases
- Dissatisfaction with the content or results
- Technical issues on your device (unsupported PDF reader, insufficient storage, etc.)
- Failure to download the file before the link expires
- Loss of the file after download
- Failure to achieve desired business credit results
- Discovering similar free information elsewhere
6.2 Why No Refunds
Digital products cannot be physically returned. Once delivered, the product has been consumed. Unlike physical goods, there is no mechanism to verify that a digital file has been deleted from your device. This verification problem makes refund policies inherently unworkable for digital products.
6.3 The Free Blueprint Exists
We offer a free blueprint PDF that provides a complete overview of the business credit building system. This free resource allows you to evaluate the quality, style, and value of our content before making a purchase. If the free content does not meet your expectations, we recommend not purchasing the paid guide.
6.4 Chargebacks
Initiating a chargeback or payment dispute after receiving the download link constitutes fraud. We will contest all fraudulent chargebacks with evidence of delivery (email records, download logs, IP addresses). We reserve the right to pursue legal action against users who file fraudulent chargebacks.
7. Intellectual Property7.1 Ownership
All content on this Site and in our products — including text, graphics, logos, images, PDF files, layouts, designs, and code — is the exclusive property of Business Credit DIY and is protected by United States and international copyright laws.
7.2 License
Your purchase grants you a limited, non-exclusive, non-transferable, single-user license to:
- Download and save the product to your personal devices
- Read and reference the content for your personal, non-commercial use
- Print one physical copy for your personal use
7.3 Restrictions
You may NOT:
- Redistribute, resell, license, or sublicense the content
- Share the file with others via email, messaging, cloud storage, or any other method
- Upload the file to any website, forum, file-sharing service, or social media platform
- Reproduce the content in any form for commercial purposes
- Claim the content as your own work
- Remove any copyright notices, watermarks, or attribution
- Create derivative works based on the content
- Use the content to train AI or machine learning models
7.4 Enforcement
Unauthorized distribution of our content is a violation of copyright law and these Terms. We actively monitor for unauthorized distribution and will pursue legal action against violators, including but not limited to DMCA takedown notices, civil litigation, and claims for statutory damages.
8. Disclaimer of Warranties
Our products are for educational and informational purposes only. They are not financial, legal, tax, or professional advice.
8.1 No Professional Advice
The content provided on this Site and in our products does not constitute:
- Financial advice
- Legal advice
- Tax advice
- Accounting advice
- Investment advice
- Professional consulting of any kind
You should consult with a qualified professional (attorney, accountant, financial advisor) before making any business or financial decisions based on information from this Site or our products.
8.2 No Guarantee of Results
We make no guarantees, warranties, or promises regarding the results you will achieve by following the strategies described in our products. Business credit outcomes depend on numerous factors outside our control, including but not limited to:
- Your business entity structure and formation
- Your payment history and timeliness
- Credit bureau processing times and policies
- Vendor approval criteria and changes
- Your overall financial situation
- Market conditions and regulatory changes
- Your execution and consistency
8.3 “As Is” Basis
All products and content are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
9. Limitation of LiabilityTo the maximum extent permitted by California law,
Business Credit DIY and its owners, officers, employees, agents, and affiliates shall not be liable for any:
- Direct damages — including but not limited to financial losses, lost profits, or lost savings
- Indirect damages — including but not limited to loss of business opportunities, loss of goodwill, or loss of data
- Consequential damages — including but not limited to denied loan applications, low credit scores, or business setbacks
- Punitive damages — under any theory of liability
- Incidental damages — including but not limited to device issues, data loss, or time spent
This limitation applies regardless of whether the damages arise from:
- Use of or inability to use this Site or our products
- Unauthorized access to your data
- Errors, mistakes, or inaccuracies in the content
- Personal injury or property damage
- Any other matter relating to this Site or our products
9.1 Maximum Liability
In no event shall our total liability to you exceed the amount you paid for the product giving rise to the claim. If you paid $79, our maximum liability is $79. No more.
9.2 Assumption of Risk
By using this Site and our products, you acknowledge that you assume all risk associated with implementing the strategies described. You are solely responsible for the outcomes of your business and financial decisions.
10. IndemnificationYou agree to indemnify, defend, and hold harmless
Business Credit DIY and its owners, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney’s fees) arising from or relating to:
- Your use of this Site or our products
- Your violation of these Terms
- Your violation of any third-party rights
- Any misrepresentation made by you
- Any business or financial decisions you make based on our content
- Unauthorized distribution of our content
11. User ConductBy using this Site, you agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Site
- Interfere with or disrupt the Site’s functionality
- Use automated tools (bots, scrapers, crawlers) to access the Site
- Transmit viruses, malware, or harmful code
- Impersonate another person or entity
- Provide false or misleading information
- Engage in fraudulent transactions
- Harass, threaten, or abuse our team or other users
- Attempt to reverse-engineer or copy our products
Violation of any of these terms may result in immediate termination of your access to this Site, forfeiture of purchased products, and legal action.
12. Third-Party Links and ServicesThis Site may contain links to third-party websites, services, or resources. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party site.
Inclusion of a link does not imply endorsement. You access third-party sites at your own risk.
We are not responsible for the actions, products, or services of any vendor mentioned in our products. Your relationship with any vendor is between you and that vendor.
13. Email CommunicationsBy providing your email address on this Site, you consent to receive:
- The free blueprint PDF
- Educational email sequences
- Purchase receipts and download links
- Product updates and announcements
- Customer support responses
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email. Transactional emails (purchase receipts, password resets) cannot be unsubscribed from as they are necessary for account functionality.
We comply with the CAN-SPAM Act and the California Consumer Privacy Act (CCPA).
14. TerminationWe reserve the right to terminate or suspend your access to this Site, without prior notice or liability, for any reason, including but not limited to:
- Breach of these Terms
- Fraudulent activity
- Unauthorized distribution of our content
- Abusive behavior toward our team
- Filing a fraudulent chargeback
Upon termination, your right to use this Site and any downloaded products ceases immediately. Provisions that by their nature should survive termination (intellectual property, limitation of liability, indemnification) shall survive.
15. Force MajeureWe shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, internet outages, server failures, cyberattacks, or acts of God.
16. SeverabilityIf any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.
17. Entire AgreementThese Terms, together with our <a href=””>Privacy Policy, constitute the entire agreement between you and Business Credit DIY regarding your use of this Site and our products. These Terms supersede any prior agreements, communications, or representations.
18. Governing Law and Dispute Resolution18.1 Governing Law
These Terms are governed by and construed in accordance with the laws of the State of California, United States of America, without regard to conflict of law principles.
18.2 Jurisdiction
Any disputes arising from or relating to these Terms, your use of this Site, or any purchase made through this Site shall be resolved exclusively in the state or federal courts located in California.
18.3 Waiver of Jury Trial
To the maximum extent permitted by law, you waive your right to a jury trial for any dispute arising from these Terms or your use of this Site.
18.4 Attorney’s Fees
In any legal action to enforce these Terms, the prevailing party shall be entitled to recover reasonable attorney’s fees and costs from the non-prevailing party.
19. Changes to These TermsWe reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
We encourage you to review these Terms periodically. Material changes will be communicated via email to registered users.
20. Contact UsIf you have questions about these Terms, contact us at: