1. Services

The Service Provider offers access to a digital program called Growth Point, which includes:
• training materials
• live sessions
• practical assignments
• group support and feedback
The program is provided for educational and informational purposes.

2. Payment

All payments are processed via third-party payment providers, including Stripe.
The Service Provider:
• does not store credit card information
• does not have access to payment details
The Client is responsible for ensuring the accuracy of payment information.

3. Digital Product & Access

By completing the purchase, the Client agrees to receive immediate access to digital content.
Access is considered delivered once:
• login details are provided
• materials are shared
• access to the platform is granted

4. Refund Policy

Due to the digital nature of the program:
• All sales are final
• No refunds will be issued once access has been granted

5. No Guarantees

The Service Provider does not guarantee specific results.
The Client understands that:
• results depend on individual actions
• effort and implementation affect outcomes

6. Intellectual Property

All program materials are the intellectual property of the Service Provider.The Client may not: • copy • reproduce • distribute • share access • resell materialswithout written permission.

7. Limitation of Liability

The Service Provider shall not be liable for:
• loss of income
• business losses
• indirect or consequential damages

8. Governing Law

This Agreement shall be governed by the laws of:
👉 Province of Ontario, Canada

9. Contact Information

For any questions, contact:
Email: moc.liamg%40tcatnoc.teemhtworg 

10. Acceptance

By purchasing the program, the Client confirms that:
• they have read these Terms
• they understand them
• they agree to them