Terms and Conditions

TERMS AND CONDITIONS OF USE

Terms and Conditions

Effective Date: January 28, 2026

Websites: https://earnsavethrive.com and https://bio.earnsavethrive.com

Contact Email: ana@earnsavethrive.com

1. Acceptance of Terms

Welcome to EarnSaveThrive! These Terms and Conditions (“Terms,” “Agreement”) constitute a legally binding agreement between you and EarnSaveThrive (“we,” “us,” “our,” or “Company”) regarding your use of our websites and services.

1.1 Agreement to Terms

By accessing, browsing, or using any of our websites (https://earnsavethrive.com, https://bio.earnsavethrive.com, or any subdomain), you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY STOP USING OUR WEBSITES AND SERVICES.

1.2 Binding Agreement

These Terms create a legally binding agreement between you and EarnSaveThrive. Your continued use of our websites constitutes ongoing acceptance of these Terms and any future modifications.

1.3 Additional Terms

Certain features, services, or promotions may be subject to additional terms and conditions, which will be presented to you at the time you access those features. Those additional terms are incorporated into this Agreement by reference.

2. Scope and Application

2.1 Covered Properties

These Terms apply to all EarnSaveThrive properties, including but not limited to:

Main Website: https://earnsavethrive.com
Link-in-Bio Page: https://bio.earnsavethrive.com
All Subdomains: Any subdomain of earnsavethrive.com
Mobile Versions: Mobile-optimized versions of our websites
Related Services: Email newsletters, social media presence, and any other services we provide

2.2 Link-in-Bio Specific Terms

Our link-in-bio page (https://bio.earnsavethrive.com) is specifically designed to be accessed through social media platforms including but not limited to TikTok, Instagram, YouTube, Facebook, Twitter/X, Pinterest, LinkedIn, and other social media or content-sharing platforms. This page contains affiliate links and Cost Per Action (CPA) links, tracks user interactions (including button clicks), and directs users to third-party websites and services.

3. Definitions

For purposes of these Terms, the following definitions apply:

“We,” “Us,” “Our,” or “Company” refers to EarnSaveThrive and its owners, operators, and affiliated entities.
“You” or “Your” refers to any individual or entity accessing or using our websites.
“User” means any person who accesses or uses our websites, whether as a casual visitor or registered member.
“Visitor” means someone who browses our websites without registering.
“Member” means a registered user who has created an account with us.
“Content” means all text, graphics, images, videos, audio, software, data, and other materials available on our websites.
“User Content” means any content that users submit, post, or upload to our websites.
“Services” means all services, features, and functionality provided through our websites.
“Products” means any digital or physical products, courses, guides, templates, or other items we offer for sale or distribution.
“Affiliate Links” means special tracking URLs that may generate commission revenue when users make purchases through them.
“Third-Party Services” means websites, products, or services owned or operated by entities other than EarnSaveThrive.

4. Changes to These Terms

4.1 Right to Modify

We reserve the right to modify, update, or replace these Terms at any time, at our sole discretion. Changes may be made to:

Comply with legal or regulatory requirements
Reflect changes in our business practices
Add new features or services
Improve clarity or address issues
Protect our users or business interests

4.2 Notice of Changes

When we make material changes to these Terms, we will:

Update the “Effective Date” at the top of this page
Post the updated Terms on our websites
Notify you via email (if we have your email address)
Display a prominent notice on our websites for at least 30 days

4.3 Acceptance of Changes

Changes will take effect immediately upon posting unless otherwise stated. Your continued use of our websites after changes are posted constitutes your acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using our websites immediately.

4.4 Review Regularly

We encourage you to review these Terms periodically to stay informed about your rights and obligations.

5. Eligibility and Registration

5.1 Age Requirement

You must be at least 18 years old to use our websites and services. By using our websites, you represent and warrant that you are 18 years of age or older.

Our websites are not intended for, and should not be used by, anyone under the age of 18. If we discover that a person under 18 has provided us with personal information, we will delete such information immediately.

5.2 Legal Capacity

You must have the legal capacity to enter into binding contracts. By using our websites, you represent that:

You have the legal authority to agree to these Terms
You are not prohibited from using our services under any applicable law
You will comply with all applicable laws in your use of our websites

5.3 Account Registration

Some features of our websites may require you to register for an account. If you create an account, you agree to:

Provide accurate, current, and complete information
Maintain and promptly update your account information
Keep your password secure and confidential
Notify us immediately of any unauthorized use of your account
Accept responsibility for all activities that occur under your account

5.4 Account Ownership

Accounts are personal to you and may not be transferred, sold, or assigned to any other person or entity. We reserve the right to refuse registration, or to suspend or terminate accounts, at our sole discretion.

5.5 Geographic Restrictions

Our websites are operated from the United States. We make no representation that our Content or Services are appropriate or available for use in all locations. Access to our websites from jurisdictions where their contents are illegal is prohibited.

6. Limited License to Use Our Websites

6.1 Grant of License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and use our websites for personal, non-commercial purposes
View and download Content solely for your personal, informational use
Print single copies of Content for your personal use

6.2 License Restrictions

This license does NOT permit you to:

Modify, copy, distribute, transmit, display, reproduce, or create derivative works from our Content
Use our websites or Content for any commercial purpose without our written permission
Use automated systems (bots, scrapers) to access our websites
Remove any copyright, trademark, or proprietary notices from our Content
Reverse engineer, decompile, or disassemble any software on our websites
Frame or mirror any part of our websites without our express written consent

6.3 Revocation

We may revoke this license at any time, with or without cause. Upon revocation, you must immediately cease all use of our websites and destroy any downloaded or printed Content.

7. Affiliate Links, CPA Links, and Disclosures

7.1 Use of Affiliate and CPA Links

Our websites, particularly https://bio.earnsavethrive.com, contain both affiliate links and Cost Per Action (CPA) links that generate compensation for us.

Affiliate Links:

Affiliate links are special tracking URLs where we earn a commission when you click on the link and make a purchase from third-party merchants.

Important: Using our affiliate links does not cost you anything extra. The price you pay is the same whether you use our link or go directly to the merchant’s website.

CPA Links (Cost Per Action):

CPA links are different from traditional affiliate links. With CPA links, we earn compensation when you take a specific action—even if you don’t make a purchase. These actions may include:

Signing up for a free account or service
Registering for a free trial
Submitting your email address or contact information
Downloading an app or software
Completing a registration form
Taking a survey or quiz

Critical Difference: With CPA links, you may not need to make a purchase for us to earn compensation. Simply signing up, registering, or taking an action may result in payment to us.

7.2 Networks and Programs We Participate In

We participate in various affiliate marketing and Cost Per Action (CPA) programs, including but not limited to:

Traditional Affiliate Networks:

Amazon Associates
afflat3d2.com
ShareASale
Commission Junction (CJ Affiliate)
Impact
Other affiliate networks and individual merchant programs

CPA Networks:

MaxBounty
Commission Junction (CJ Affiliate) – CPA and hybrid offers
FlexOffers
Other CPA and performance marketing networks

General Rule: You should assume that any link on our websites may result in compensation to us, either through a purchase or by you taking an action (signing up, registering, etc.).

7.3 How Affiliate Tracking Works

When you click an affiliate link:

You are redirected to the merchant’s website through our affiliate tracking link
A tracking cookie is placed on your device by the affiliate network
If you make a purchase within the cookie’s validity period, we may earn a commission
We track which links are clicked to understand user preferences and improve our recommendations

7.4 How CPA Tracking Works

When you click a CPA link:

You are redirected to the offer page through our CPA tracking link
A tracking mechanism (cookie, pixel, or parameter) identifies the referral
When you complete a qualifying action (sign-up, registration, download, etc.), we receive compensation
We track which links and actions are most popular to improve our recommendations

7.5 FTC Compliance and Disclosure

In accordance with Federal Trade Commission (FTC) guidelines (16 CFR Part 255), we disclose that:

We receive financial compensation for some of the products and services mentioned on our websites
This compensation may come from purchases OR from actions you take (even without purchasing)
This compensation may influence which products or services we feature or recommend
We only recommend products and services we believe provide value to our audience
Our reviews and recommendations are based on honest opinions and experiences
Affiliate and CPA relationships do not affect the price you pay

7.6 Our Product Recommendations

While we earn commissions from affiliate and CPA links, we maintain editorial independence. Our recommendations are based on:

Personal experience and research
Product quality and value
Relevance to our audience
Customer reviews and feedback

We do not recommend products solely because they offer high commission rates.

However, you should be aware that:

Some products or services may provide higher commissions than others
This compensation may create a potential bias in our recommendations
You should evaluate recommendations critically and do your own research

7.7 No Guarantees

We make no guarantees regarding:

The availability of products through affiliate links
Current pricing or promotional offers
The merchant’s terms, policies, or customer service
Your specific results from using any product or service we recommend
The availability or terms of CPA offers

7.8 Merchant Responsibility

When you click an affiliate or CPA link and visit a merchant’s website or complete an offer, you are subject to that merchant’s terms and conditions and privacy policy. We are not responsible for:

Product quality, delivery, or customer service
Merchant policies or business practices
Transaction processing or payment issues
Returns, refunds, or warranty claims
How your information is used by the merchant or CPA network
Any disputes between you and the merchant

Any questions or issues with products purchased or offers completed through affiliate or CPA links should be directed to the merchant or network, not to us.

8.1 Social Media Integration

Our link-in-bio page (https://bio.earnsavethrive.com) is designed to be accessed primarily through social media platforms, including but not limited to:

TikTok
Instagram
YouTube
Facebook
Twitter/X
Pinterest
LinkedIn
Other social media or content-sharing platforms

8.2 Platform Compliance

When accessing our websites through social media platforms, you must also comply with:

The terms of service of the social media platform
Community guidelines and content policies of the platform
Any promotional or advertising rules that apply

8.3 In-App Browsers

Social media platforms often open links in their own in-app browsers. We are not responsible for:

The functionality or limitations of in-app browsers
Data collection by social media platforms when you use in-app browsers
Compatibility issues with in-app browsers

For the best experience, we recommend opening our link-in-bio page in your device’s native web browser (Safari, Chrome, Firefox, etc.).

8.4 Platform Changes

Social media platforms may change their policies, features, or algorithms at any time. We are not responsible for:

Changes to how social media platforms display or handle links
Restrictions on link sharing or affiliate marketing
Platform outages or technical issues

8.5 No Endorsement by Platforms

Our presence on social media platforms does not imply endorsement, sponsorship, or affiliation with those platforms. Social media platforms do not endorse our products, services, or content.

9. User Content and Conduct

9.1 User-Generated Content

Certain features of our websites may allow you to submit, post, or upload content (“User Content”), including:

Comments
Reviews
Testimonials
Questions or feedback
Forum posts or discussion contributions

9.2 Your Responsibility for User Content

You are solely responsible for any User Content you submit. By submitting User Content, you represent and warrant that:

You own or have the necessary rights to the content
The content does not violate any third-party rights
The content complies with all applicable laws
The content does not contain viruses or malicious code
The content is accurate and not misleading

9.3 License Grant for User Content

By submitting User Content to our websites, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to:

Use, reproduce, modify, adapt, and publish your User Content
Display and distribute your User Content
Create derivative works from your User Content
Use your User Content for marketing, promotional, or commercial purposes

This license continues even if you stop using our websites or close your account.

9.4 No Compensation for User Content

You will not receive any compensation for User Content you submit. You waive any rights to royalties or other payments related to our use of your User Content.

9.5 Monitoring and Removal

We have the right, but not the obligation, to:

Monitor and review all User Content
Remove or refuse to post any User Content for any reason
Disclose User Content as required by law or to protect our rights
Take action against users who violate these Terms

We do not guarantee the accuracy, quality, or appropriateness of User Content.

9.6 Prohibited User Content

You may not submit User Content that:

Is illegal, harmful, threatening, abusive, harassing, defamatory, or invasive of privacy
Infringes any intellectual property rights or other proprietary rights
Contains viruses, malware, or other harmful code
Is false, misleading, or fraudulent
Is obscene, pornographic, or sexually explicit
Promotes discrimination, bigotry, racism, hatred, or violence
Contains personal information of others without consent
Violates any applicable law or regulation

10. Prohibited Activities

In addition to the User Content restrictions above, you agree NOT to:

10.1 Technical Misuse

Use automated systems, bots, or scrapers to access our websites
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt our websites or servers
Bypass any security measures or access controls
Reverse engineer, decompile, or disassemble any software
Introduce viruses, malware, or harmful code
Overload our servers with excessive requests

10.2 Deceptive Practices

Impersonate any person or entity
Misrepresent your affiliation with any person or entity
Falsify headers or manipulate identifiers
Create multiple accounts to circumvent restrictions
Engage in fraudulent or deceptive activities

10.3 Commercial Misuse

Use our Content for commercial purposes without permission
Sell, license, or exploit our Content
Create derivative works from our Content without authorization
Frame or mirror our websites without permission
Use our trademarks or branding without authorization

10.4 Spam and Solicitation

Send unsolicited emails or messages (spam)
Post unauthorized advertising or promotional content
Engage in pyramid schemes or chain letters
Harvest email addresses or other user information

10.5 Affiliate Link Manipulation

Manipulate, mask, or alter our affiliate links
Use cookie stuffing or other deceptive tracking methods
Generate fraudulent clicks or transactions
Interfere with affiliate tracking systems

10.6 Consequences of Violations

Violation of these prohibitions may result in:

Immediate termination of your access to our websites
Removal of your User Content
Reporting to law enforcement authorities
Legal action to recover damages
Other remedies available under law

11. Intellectual Property Rights

11.1 Our Ownership

All Content on our websites, including but not limited to:

Text, graphics, logos, images, and videos
Audio clips and downloadable files
Software, code, and compilations
Design, layout, and “look and feel”
Trademarks, service marks, and trade names

…is owned by EarnSaveThrive or our licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

11.2 Trademarks

“EarnSaveThrive” and any associated logos, designs, or slogans are our trademarks or service marks. You may not use these marks without our prior written permission.

All other trademarks, product names, and company names mentioned on our websites are the property of their respective owners.

11.3 Copyright

All Content on our websites is protected by copyright law. You may not reproduce, distribute, modify, or create derivative works from our Content without our express written permission, except as permitted by these Terms.

11.4 Limited Permission to Share

You may share links to our Content on social media or other websites, provided that:

You do not alter, modify, or misrepresent our Content
You attribute the Content to EarnSaveThrive
You do not imply endorsement or affiliation where none exists
You comply with any sharing guidelines we provide

11.5 No Transfer of Rights

Nothing in these Terms transfers any intellectual property rights to you. All rights not expressly granted are reserved by us.

12. Third-Party Links and Services

12.1 Links to Third-Party Websites

Our websites contain links to third-party websites, including:

Affiliate partner websites
Product and service providers
Social media platforms
Resource and reference websites
News and information sources

12.2 No Endorsement or Responsibility

The inclusion of links does not imply:

Our endorsement of the linked website
Our responsibility for the linked website’s content
Our guarantee of products or services offered
Our verification of information on the linked website

12.3 Third-Party Terms Apply

When you visit third-party websites, you are subject to their terms of service, privacy policies, and other policies. We have no control over and assume no responsibility for:

The content, policies, or practices of third-party websites
The privacy or security of your information on third-party websites
Transactions conducted through third-party websites
Disputes with third-party website operators

12.4 Use at Your Own Risk

You access third-party websites at your own risk. We strongly recommend that you:

Review the terms of service and privacy policies of third-party websites
Exercise caution when providing personal or financial information
Verify the legitimacy and security of third-party websites
Use appropriate security measures when making purchases

12.5 Reporting Issues

If you encounter broken links, inappropriate content, or other issues with third-party links on our websites, please contact us at ana@earnsavethrive.com.

13. Purchases and Payments

13.1 Products and Services

We may offer digital products, courses, guides, memberships, or other items for purchase through our websites. All purchases are subject to these Terms.

13.2 Pricing and Availability

We reserve the right to:

Change prices at any time without notice
Modify or discontinue products or services
Limit quantities available for purchase
Refuse any order at our discretion

Prices displayed on our websites are in U.S. dollars unless otherwise stated.

13.3 Payment Processing

Payments are processed through secure third-party payment processors, such as:

Stripe
PayPal
Other authorized payment processors

By making a purchase, you agree to the payment processor’s terms of service and privacy policy.

13.4 Payment Information

When you make a purchase, you represent and warrant that:

You have the legal right to use the payment method
The information you provide is accurate and complete
You will pay all charges at the prices in effect when incurred
You are authorized to use the payment method

13.5 Failed Payments

If your payment fails or is declined:

Your order may be cancelled or delayed
You may be charged additional fees by your payment provider
Your access to purchased products or services may be suspended
You remain responsible for any amounts due

13.6 Taxes

You are responsible for all applicable taxes associated with your purchase. Taxes may be added to your purchase price based on your location.

13.7 Order Confirmation

After completing a purchase, you will receive an order confirmation via email. This confirmation is for your records and does not constitute our acceptance of your order. We reserve the right to cancel any order after confirmation if:

The product is unavailable
We identify an error in the price or description
We cannot verify your payment information
We suspect fraudulent activity

13.8 Explicit Acknowledgment of No-Refund Policy

IMPORTANT: By completing any purchase of digital products, you explicitly acknowledge and agree that:

You have read and fully understood the complete product description
You understand exactly what you are purchasing
You have read and agree to our NO-REFUND policy in Section 14
You acknowledge that ALL SALES ARE FINAL with NO REFUNDS under any circumstances
You agree to contact us for redelivery if you experience any technical or delivery issues
You will NOT file a chargeback or payment dispute
You accept full responsibility for providing a correct email address
Your purchase serves as your binding electronic signature to these Terms

Completing your purchase constitutes your legally binding acceptance of our no-refund policy.

14. Refund and Return Policy

14.1 ALL SALES ARE FINAL – NO REFUNDS ON DIGITAL PRODUCTS

ALL SALES OF DIGITAL PRODUCTS ARE FINAL AND NON-REFUNDABLE UNDER ANY CIRCUMSTANCES.

We do NOT provide refunds, credits, exchanges, or any form of monetary reimbursement for digital products for ANY reason whatsoever, including but not limited to:

Change of mind or buyer’s remorse
Dissatisfaction with the product
“Not what I expected” or “Not what I thought it would be”
“Didn’t know what I was buying” or misunderstanding the product
Found similar information elsewhere (free or paid)
Don’t have time to use the product
Changed circumstances or priorities
Technical issues or delivery problems
Wrong email address provided by you
Financial hardship or emergency situations
Claims that the product “didn’t help” or “didn’t work for me”
Any other reason not specifically listed above

BY PURCHASING A DIGITAL PRODUCT FROM US, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT ALL SALES ARE FINAL AND NO REFUNDS WILL BE PROVIDED UNDER ANY CIRCUMSTANCES.

14.2 Product Descriptions Are Complete and Accurate

Before you purchase any digital product, we provide you with:

Complete and detailed product descriptions
Clear information about what is included in the product
The format and delivery method
Exactly what you will receive upon purchase
Any prerequisites or requirements

By making a purchase, you represent, warrant, and agree that:

You have carefully read and fully understood the product description
You know exactly what you are purchasing
The product description accurately represents what you will receive
You have had adequate opportunity to ask questions before purchasing
You cannot and will not claim you “didn’t know” what you were buying
You accept full responsibility for your purchasing decision

14.3 Delivery Issues – We Will Resend, NOT Refund

If you experience ANY issue with receiving or accessing your digital product, including but not limited to:

Technical problems preventing download or access
Wrong email address provided at checkout
Product not received in your inbox
Corrupted, damaged, or non-functioning files
Access issues or login problems
Download links that have expired
Email caught in spam or junk folder

YOU MUST:

Contact us immediately at ana@earnsavethrive.com within 7 days of purchase
Provide your order number and the email address used for purchase
Clearly explain the specific issue you are experiencing
Provide any error messages or screenshots if applicable

WE WILL:

Verify your purchase in our system
Resend the product to your correct email address
Provide a new download link if the original expired
Supply a working, non-corrupted version of the product
Resolve any technical issues preventing access
Assist you in accessing your purchase

WE WILL NOT:

Issue a refund for any reason
Provide store credit or account credit
Cancel or reverse the transaction
Exchange the product for a different product
Offer any form of monetary compensation

Our solution to ALL delivery and technical issues is redelivery or assistance with access, NEVER a refund.

14.4 Your Responsibilities as a Buyer

When purchasing digital products, you are solely responsible for:

Providing a correct, valid, and working email address at checkout
Ensuring your email inbox is not full and can receive emails
Checking your email immediately after purchase (including spam/junk/promotions folders)
Downloading and saving the product to your device within the specified timeframe
Making backup copies of downloaded products
Verifying you can open/access the product file format
Reading the complete product description before purchasing
Asking questions BEFORE purchasing if anything is unclear
Understanding that digital products cannot be “returned” once delivered
Contacting us within 7 days if you experience any delivery issues

We are NOT responsible for:

Your failure to provide a correct email address
Your failure to check your email or spam folder
Your failure to download the product before download links expire
Your decision to purchase without reading the full product description
Your dissatisfaction with the product after purchase
Your inability to use the product due to lack of prerequisite knowledge or skills
Your change of mind after completing the purchase
Technical issues on your end (incompatible device, software, etc.)
Your loss of the downloaded product due to device failure or deletion

14.5 Third-Party Platform Purchases – Absolutely NO Refunds

If you purchased our products through any third-party platform, marketplace, or affiliate partner (including but not limited to):

Affiliate websites or influencer links
Course platforms or marketplaces
Bundle or package deals from third parties
Any reseller or authorized distributor
Social media shops or storefronts

NO REFUNDS will be provided under any circumstances. The no-refund policy applies with even greater force to third-party purchases because:

We have already paid commissions or fees to the third party
The third-party platform may have its own fees and policies
Processing refunds through third parties creates additional complications
You chose to purchase through a third party rather than directly from us

If you experience delivery issues with a third-party purchase, contact us with proof of purchase and we will assist with redelivery only.

14.6 Chargebacks Are Strictly Prohibited and Will Be Aggressively Contested

Filing a chargeback or payment dispute with your credit card company, bank, or PayPal instead of contacting us directly is:

A material and serious breach of these Terms and Conditions
Considered fraudulent behavior
Theft of our digital products and services
Grounds for immediate legal action

If you file a chargeback, we will take the following actions:

Immediate Account Termination: Your account and access to ALL products (past and future) will be immediately and permanently terminated
Aggressive Dispute: We will contest the chargeback with full documentation including:
- Proof of product delivery to your email address
- IP address and timestamp of download/access
- Screenshots of email delivery confirmations
- Your acknowledgment of our Terms at purchase
- Evidence of our no-refund policy acceptance
Legal Action: We will pursue legal action to recover:
- The disputed transaction amount
- Chargeback fees charged by payment processors ($15-$100+)
- Legal fees and costs of collection
- Damages for breach of contract
- Additional penalties as allowed by law
Fraud Reporting: We will report the chargeback to:
- Fraud prevention and detection services
- Digital product seller networks
- Payment processor blacklists
Permanent Ban: You will be permanently banned from:
- Making future purchases from us
- Accessing our websites and services
- Participating in any of our programs

We maintain comprehensive records of ALL product deliveries and transactions, and we WILL aggressively contest every chargeback with full documentation.

Chargebacks cost small businesses significant time and money. We take chargebacks very seriously and will use all available legal remedies to protect our business.

14.7 Absolutely NO Exceptions to This Policy

This no-refund policy has NO EXCEPTIONS whatsoever.

Do NOT contact us requesting refunds, credits, or exchanges for reasons including but not limited to:

“I changed my mind”
“I don’t like it” or “It’s not for me”
“I thought it would be different”
“I found the same information for free”
“I can’t afford it anymore” or financial hardship
“I have an emergency” or changed circumstances
“It didn’t help me” or “It didn’t work for me”
“I didn’t use it” or “I didn’t have time”
“I bought it by accident” or “My child bought it”
“I didn’t read the description carefully”
Any other reason not explicitly listed as refund-eligible

We will NOT make exceptions to this policy for any reason, including:

Emotional appeals or sob stories
Threats of negative reviews or social media posts
Claims of being a loyal customer
Demands to speak to a manager or supervisor
Threats of legal action or complaints
Any other pressure tactics

This policy is firm, final, and non-negotiable.

14.8 Explicit Acknowledgment Required at Purchase

By completing your purchase of any digital product, you explicitly and irrevocably acknowledge, represent, warrant, and agree that:

You have read this entire Refund and Return Policy in full
You fully understand that ALL SALES ARE FINAL with NO REFUNDS
You agree that you will NOT receive a refund under any circumstances
You understand that your only remedy for delivery issues is to contact us for redelivery
You have carefully reviewed the product description and understand what you are purchasing
You are making an informed purchasing decision
You accept full responsibility for providing a correct email address
You waive any right to dispute, contest, or challenge this no-refund policy
You will not file a chargeback and understand the consequences if you do
You agree to be bound by all terms in this Refund and Return Policy

Your purchase serves as your electronic signature and legally binding agreement to all of these terms.

14.9 Why We Have This Policy

We maintain this strict no-refund policy because:

Digital products are delivered instantly and cannot be “returned”
Once you have access, you have received the full value of the product
We cannot verify that you have deleted or stopped using the product
Digital products can be easily copied, shared, or distributed
Refund abuse is rampant in the digital product industry
We provide clear, accurate product descriptions before purchase
We offer redelivery assistance for all legitimate delivery issues
This policy protects our small business from fraud and abuse

We are a small business and every sale matters. We put significant time, effort, and expertise into creating quality digital products. This policy allows us to continue providing valuable products at fair prices.

14.10 Contact Us for Delivery Issues Only

If you experience a legitimate delivery or technical issue (not buyer’s remorse), contact us at:

Email: ana@earnsavethrive.com
Subject Line: “Product Delivery Issue – Order #[Your Order Number]”
Response Time: Within 24-48 hours

We are happy to help you access your purchase. We are NOT able to provide refunds.

15. Disclaimers of Warranties

15.1 “AS IS” and “AS AVAILABLE”

OUR WEBSITES, SERVICES, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

15.2 No Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

Merchantability: We do not warrant that our websites or products are suitable for any particular purpose
Fitness for a Particular Purpose: We do not guarantee that our websites or products will meet your specific needs
Non-Infringement: We do not warrant that our Content does not infringe third-party rights
Accuracy: We do not guarantee the accuracy, completeness, or timeliness of our Content
Availability: We do not guarantee uninterrupted or error-free access to our websites
Security: We do not guarantee that our websites are secure or free from viruses

15.3 No Guaranteed Results

We make no guarantees or promises regarding:

Your ability to earn income or make money using our products, services, or affiliate recommendations
Specific results from implementing strategies or information we provide
Success or outcomes from products or services we recommend
The performance of any third-party products or services

Individual results may vary. Your results depend on many factors outside our control, including your effort, skills, experience, and market conditions.

15.4 No Financial, Legal, or Professional Advice

Content on our websites is for informational and educational purposes only. It is NOT:

Financial, investment, or tax advice
Legal advice
Medical or health advice
Professional consulting or advice

You should consult qualified professionals for advice tailored to your specific situation.

15.5 Third-Party Content

We do not endorse, verify, or take responsibility for:

User-generated content
Third-party websites or services
Affiliate products or services
Advertising or sponsored content
External links or resources

15.6 Technical Issues

We are not responsible for:

Errors, bugs, or glitches in our websites
Downtime or service interruptions
Data loss or corruption
Compatibility issues with your devices or software
Internet connectivity problems

15.7 Changes and Updates

We may modify, update, or discontinue any aspect of our websites, services, or Content at any time without notice or liability.

16. Limitation of Liability

16.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OUR WEBSITES IS LIMITED TO THE AMOUNT YOU PAID US (IF ANY) IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

16.2 No Consequential Damages

WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Loss of profits, revenue, or income
Loss of business opportunities or goodwill
Loss of data or information
Cost of replacement goods or services
Personal injury or emotional distress
Any other intangible losses

THIS LIMITATION APPLIES REGARDLESS OF:

The legal theory (contract, tort, negligence, strict liability, or otherwise)
Whether we were advised of the possibility of such damages
Whether any remedy fails of its essential purpose

16.3 Specific Limitations

We are not liable for damages or losses resulting from:

Your use of or inability to use our websites
Unauthorized access to your account or data
Errors, bugs, or technical issues
Third-party content, products, or services
Affiliate products or recommendations
User Content or interactions with other users
Viruses or malicious code
Decisions made based on our Content

16.4 Basis of the Bargain

You acknowledge that these limitations of liability are fundamental elements of the agreement between you and us. Our websites and services could not be provided without these limitations.

16.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

17. Indemnification

17.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless EarnSaveThrive, its owners, officers, directors, employees, agents, affiliates, partners, and licensors (collectively, the “Indemnified Parties”) from and against any and all:

Claims, demands, actions, or proceedings
Liabilities, damages, losses, or expenses
Costs and attorney fees

…arising from or related to:

Your use or misuse of our websites
Your violation of these Terms
Your violation of any law or regulation
Your violation of any third-party rights
Your User Content
Your account or any activity under your account
Your purchase or use of any products or services

17.2 Defense and Settlement

We reserve the right to:

Assume exclusive defense and control of any matter subject to indemnification
Require your cooperation in our defense at your expense
Approve any settlement that may affect our rights or obligations

You may not settle any claim without our prior written consent if the settlement imposes obligations on us or admits liability on our behalf.

17.3 Scope of Indemnification

This indemnification obligation:

Survives termination of these Terms
Applies even if you close your account
Extends to claims brought by third parties
Includes both direct and vicarious liability

18. Dispute Resolution and Arbitration

18.1 Informal Resolution

Before filing any formal dispute, you agree to first contact us at ana@earnsavethrive.com to attempt to resolve the issue informally. Please provide:

A detailed description of the dispute
Your proposed resolution
Your contact information

We will attempt to resolve your dispute within 60 days of receiving your notice.

18.2 Binding Arbitration

READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

If we cannot resolve a dispute informally, you and EarnSaveThrive agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of our websites (collectively, “Disputes”) will be resolved through binding arbitration, EXCEPT for:

Small claims court actions (if eligible)
Disputes regarding intellectual property rights
Claims for injunctive or equitable relief

18.3 Arbitration Rules

Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes.

You may obtain AAA rules and forms at www.adr.org or by calling 1-800-778-7879.

18.4 Arbitration Process

Filing: Either party may initiate arbitration by filing a demand with the AAA
Costs: Each party will bear its own costs and fees, unless the arbitrator awards otherwise
Location: Arbitration will take place in your home county, or another mutually agreed location
Format: May be conducted remotely (by phone or video) upon mutual agreement
Decision: The arbitrator’s decision is final and binding

18.5 Class Action Waiver

YOU AND EARNSAVETHRIVE AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO:

Participate in a class action lawsuit
Participate in a class arbitration
Join claims with other persons or entities
Act as a class representative or class member

18.6 Exceptions to Arbitration

Notwithstanding the arbitration agreement:

Either party may seek injunctive relief in court for intellectual property infringement
Either party may bring claims in small claims court if eligible
We may seek remedies in court to collect amounts owed or to protect our systems

18.7 Governing Law

These Terms and any Disputes will be governed by the laws of the State of [Your State], without regard to its conflict of law provisions.

18.8 Judicial Forum

For disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in [Your County, State].

18.9 Severability

If any part of this arbitration agreement is found to be invalid or unenforceable, the remainder will continue in full force and effect.

19. Termination

19.1 Termination by You

You may terminate your account or stop using our websites at any time by:

Closing your account (if you have one)
Simply ceasing to use our websites
Emailing us at ana@earnsavethrive.com to request account closure

19.2 Termination by Us

We may suspend or terminate your access to our websites, with or without notice, for any reason, including:

Violation of these Terms
Fraudulent or illegal activity
Abuse of our systems or services
Excessive or abusive behavior
Failure to pay amounts owed
Extended inactivity
At our sole discretion

19.3 Effect of Termination

Upon termination:

Your right to access our websites immediately ceases
We may delete your account and User Content
You must cease using any downloaded Content
You remain liable for any outstanding obligations
Provisions that by their nature should survive will survive

19.4 No Refunds Upon Termination

Termination does not entitle you to any refunds, except as expressly provided in our Refund Policy.

19.5 Survival

The following provisions survive termination:

Intellectual Property Rights
Disclaimers of Warranties
Limitation of Liability
Indemnification
Dispute Resolution and Arbitration
Any other provisions that by their nature should survive

20. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, share, and protect your personal information.

Privacy Policy Location: https://earnsavethrive.com/privacy-policy/

By using our websites, you agree to our Privacy Policy. If you do not agree to our Privacy Policy, you must not use our websites.

Key points from our Privacy Policy include:

What information we collect
How we use your information
Our use of cookies and tracking technologies
How we share your information with third parties
Affiliate link tracking and data collection
Your rights regarding your personal information
How we protect your information

Please review our Privacy Policy carefully. It is incorporated into these Terms by reference.

21. Copyright and DMCA

21.1 Copyright Policy

We respect the intellectual property rights of others and expect our users to do the same. We will respond to valid notices of copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA).

21.2 DMCA Notice Requirements

If you believe that your copyrighted work has been infringed on our websites, please provide our designated Copyright Agent with the following information:

A physical or electronic signature of the copyright owner or authorized representative
Identification of the copyrighted work claimed to be infringed
Identification of the infringing material and its location on our websites
Your contact information (address, telephone number, email address)
A statement that you have a good faith belief that the use is not authorized
A statement that the information in the notice is accurate, under penalty of perjury, and that you are authorized to act on behalf of the copyright owner

21.3 Copyright Agent

Send DMCA notices to:

Copyright Agent
EarnSaveThrive
Email: ana@earnsavethrive.com
Subject Line: “DMCA Takedown Notice”

21.4 Counter-Notice

If you believe your content was wrongly removed due to a DMCA notice, you may file a counter-notice with our Copyright Agent containing:

Your physical or electronic signature
Identification of the removed material and its former location
A statement under penalty of perjury that the material was removed by mistake or misidentification
Your name, address, and telephone number
Consent to jurisdiction of the federal court in your district

21.5 Repeat Infringer Policy

We will terminate accounts of users who are repeat copyright infringers.

22. Force Majeure

We are not liable for any failure or delay in performing our obligations under these Terms due to events beyond our reasonable control, including but not limited to:

Acts of God (earthquakes, floods, fires, storms)
War, terrorism, or civil unrest
Government actions or regulations
Labor disputes or strikes
Internet or telecommunications failures
Power outages or equipment failures
Pandemics or public health emergencies
Cyberattacks or security breaches
Third-party service provider failures

During such events, our obligations are suspended for the duration of the event. We will make reasonable efforts to minimize the impact and resume normal operations as soon as possible.

23. Miscellaneous Provisions

23.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms referenced herein, constitute the entire agreement between you and us regarding your use of our websites.

23.2 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. A waiver of any breach does not constitute a waiver of any subsequent breach.

23.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions will remain in full force and effect.

23.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may freely assign these Terms.

23.5 No Partnership

These Terms do not create any partnership, joint venture, employment, agency, or franchisor-franchisee relationship between you and us.

23.6 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

23.7 Language

These Terms are drafted in English. Any translations are provided for convenience only. In the event of any conflict, the English version prevails.

23.8 Electronic Communications

By using our websites, you consent to receive electronic communications from us. These communications may include:

Notices about your account
Updates to these Terms or our Privacy Policy
Marketing communications (if you have opted in)
Responses to your inquiries

You agree that all agreements, notices, and other communications sent electronically satisfy any legal requirement that such communications be in writing.

23.9 Third-Party Beneficiaries

These Terms do not confer any third-party beneficiary rights.

23.10 Feedback

If you provide us with feedback, suggestions, or ideas regarding our websites or services (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate the Feedback without any obligation to you.

23.11 Time Limitation on Claims

You must bring any claim arising from these Terms or your use of our websites within one (1) year from the date the claim arose, or the claim is permanently barred.

24. Contact Information

24.1 Questions or Concerns

If you have any questions, concerns, or comments about these Terms, please contact us:

Email: ana@earnsavethrive.com

Last Updated: January 28, 2026

Thank you for reading our Terms and Conditions.