Terms of Service

1. Agreement to Terms

By accessing or using FABNANCIAL's website, products, or services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

FABNANCIAL provides:

• Educational workbooks and resources for real estate investing
• ROI calculator tools for property analysis
• Consultation services and email support
• Digital content and downloadable materials

3. User Account and Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Be responsible for all activity under your account

4. Purchases and Payments

Pricing

All prices are in U.S. dollars and are subject to change without notice. Current pricing is displayed on our website.

Payment Processing

Payments are processed securely through Stripe. By making a purchase, you agree to provide current, complete, and accurate payment information.

Refund Policy

We offer a 30-day money-back guarantee on digital products. To request a refund:

• Contact us at hello@fabnancial.com within 30 days of purchase
• Provide your order number and reason for refund
• Refunds will be processed within 5-10 business days

5. License and Intellectual Property

Limited License

Upon purchase, you are granted a limited, non-exclusive, non-transferable license to access and use our digital products for personal use only.

Restrictions

You may not:

• Share, distribute, or resell our products
• Reproduce, modify, or create derivative works
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission

Ownership

All content, trademarks, and intellectual property on our website and in our products are owned by FABNANCIAL and protected by copyright, trademark, and other laws.

7. Limitation of Liability

To the fullest extent permitted by law, FABNANCIAL and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or use, resulting from:

• Your use of or inability to use our Services
• Any investment decisions made based on our content
• Errors or inaccuracies in our content or tools
• Unauthorized access to your data

8. Indemnification

You agree to indemnify and hold harmless FABNANCIAL from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our Services or violation of these Terms.

9. Calculator Usage Terms

Free Tier Limitations

Free users are limited to 3 calculator uses per 30-day period. This limit is tracked via browser cookies and may be reset if cookies are cleared.

Premium Access

Purchased workbook includes 1 year of unlimited calculator access. Access expires after one year unless renewed.

Calculator Accuracy

Calculator results are estimates only. Actual results may vary significantly. Always verify numbers with qualified professionals.

10. Termination

We reserve the right to terminate or suspend your access to our Services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

11. Governing Law and Disputes

These Terms are governed by the laws of the State of Rhode Island, United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration in Rhode Island, except where prohibited by law.

12. Changes to Terms

We may modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our Services after changes constitutes acceptance of the modified Terms.

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FABNANCIAL regarding our Services.