1. Overview

This Privacy Policy and Terms of Sale (“Policy”) governs your use of the website located at businesscreditdiy.com (“Site”), operated by Business Credit DIY (“we,” “us,” or “our”).

By accessing this Site, purchasing products, or providing your email address, you agree to the terms outlined in this Policy. If you do not agree, do not use this Site.

This Policy is governed by the laws of the State of California, United States of America, without regard to conflict of law principles.

2. Information We Collect

We collect the following types of information:

2.1 Information You Provide Directly

• Email address — when you subscribe to our free blueprint or email list
• Name and payment information — when you purchase a product (processed through PayPal or Stripe; we do not store your credit card information)
• Correspondence — when you reply to our emails or contact us directly

2.2 Information Collected Automatically

• Browser and device information — browser type, operating system, screen resolution
• Usage data — pages visited, time on site, referring URL
• Cookies — small files stored on your device to improve your experience (see Section 6)

3. How We Use Your Information

We use your information to:

• Deliver the free blueprint PDF to your email
• Send the email sequence you signed up for
• Process your purchase and deliver the digital product
• Send purchase receipts and download links
• Respond to your questions or support requests
• Improve our website and products
• Comply with legal obligations

We do not sell, rent, or share your personal information with third parties for their marketing purposes.

4. Third-Party Services

We use the following third-party services to operate this Site. Each has its own privacy policy:

• PayPal — payment processing (PayPal Privacy Policy)
• Stripe — payment processing (Stripe Privacy Policy)
• Kit (ConvertKit) — email delivery and subscriber management (Kit Privacy Policy)
• Easy Digital Downloads — digital product delivery
• WordPress — website platform

These services may process your data on servers located outside of California or the United States. By using this Site, you consent to this transfer.

5. Digital Products

All products sold on this Site are digital downloads. Here’s what that means:

5.1 Delivery

• Products are delivered electronically via email immediately after payment is confirmed
• You will receive a download link in your email
• Download links expire 48 hours after purchase
• You are responsible for saving the file to your device after download
• We are not responsible for lost files after the download link expires

5.2 Format

• All products are delivered as PDF files
• PDFs can be read on any device — phone, tablet, laptop, or desktop
• PDFs are printable
• No physical product will be shipped

5.3 Ownership and Use

• Your purchase grants you a single-user license for personal, non-commercial use
• You may not redistribute, resell, share, or publicly post the content
• You may not upload the file to any website, file-sharing service, or social media platform
• You may not claim the content as your own work
• All rights reserved. Unauthorized distribution may result in legal action

6. Refund Policy — No Refunds

Because our products are digital downloads delivered immediately upon purchase, we do not offer refunds, returns, exchanges, or cancellations under any circumstances.

This policy applies to:

• Change of mind after purchase
• Accidental purchases
• Dissatisfaction with the content
• Technical issues on your device (unsupported PDF reader, storage issues, etc.)
• Failure to save the file before the download link expires
• Duplicate purchases

6.1 Why No Refunds

Digital products cannot be “returned.” Once a download link is delivered, the product has been consumed. Unlike physical goods, there is no way to verify that the product has been deleted from your device. Refunding digital products creates an inherent verification problem that makes refund policies unworkable.

6.2 Before You Purchase

We strongly encourage you to:

• Download the free blueprint first to understand the quality and style of our content
• Read the full product description, table of contents, and FAQ on this Site
• Ensure you have a PDF reader installed on your device
• Ensure you have sufficient storage on your device to save the file

The free blueprint gives you a complete overview of the system. If the free content doesn’t resonate with you, the paid guide probably isn’t for you either.

6.3 Exceptions

The only exception to this policy is if the download link is technically broken and the file cannot be downloaded at all. In that case, we will provide a replacement link at no additional cost. Contact us at hello@businesscreditdiy.com with your order number.

7. Cookies

This Site uses cookies to:

• Remember your preferences and settings
• Analyze site traffic and usage patterns
• Improve your browsing experience

You can disable cookies in your browser settings. Note that disabling cookies may affect some site functionality.

8. Email Communications

When you provide your email address on this Site, you will receive:

• The free blueprint PDF (immediately)
• A 5-email educational sequence over 7 days
• Occasional product updates or announcements (if applicable)

You can unsubscribe at any time by clicking the unsubscribe link at the bottom of any email. Unsubscribing will stop all future emails immediately.

We comply with the CAN-SPAM Act and the California Consumer Privacy Act (CCPA). We do not send spam. Every email includes a clear unsubscribe option.

9. Data Security

We take reasonable measures to protect your personal information, including:

• SSL encryption on all pages
• Secure payment processing through PayPal and Stripe (we never see or store your credit card information)
• Limited access to personal data on a need-to-know basis

No method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

10. Your Rights Under California Law

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know — You can request what personal information we have collected about you
• Right to Delete — You can request that we delete your personal information
• Right to Opt-Out — You can opt out of the sale of your personal information (we do not sell personal information)
• Right to Non-Discrimination — We will not discriminate against you for exercising your rights

To exercise any of these rights, email us at hello@businesscreditdiy.com with your request. We will respond within 45 days as required by California law.

11. Children’s Privacy

This Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, contact us immediately at hello@businesscreditdiy.com.

12. Limitation of Liability

The content provided on this Site and in our products is for educational and informational purposes only. It is not financial, legal, or tax advice.

We make no guarantees about the results you will achieve by following the strategies described in our products. Business credit outcomes depend on many factors outside our control, including your business entity, payment history, bureau processing times, and vendor approval criteria.

To the maximum extent permitted by California law, Business Credit DIY shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or our products, including but not limited to:

• Denied vendor applications
• Low credit scores
• Financial losses
• Data loss or device issues
• Reliance on information provided

You assume all risk associated with using the information provided.

13. Governing Law and Jurisdiction

This Policy is 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.

Any disputes arising from or relating to this Policy, 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.

By using this Site, you consent to the personal jurisdiction and venue of these courts.

14. Changes to This Policy

We reserve the right to update this Policy 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 Policy.

We encourage you to review this Policy periodically.

15. Contact Us

If you have questions about this Policy, your personal information, or our practices, contact us at: