TERMS AND CONDITIONS

The website www.olgabiz.com (referred to as “Website”) and its content (as defined below) are owned and managed by Olga Kargopolova, located in Ontario, Canada (referred to as “we,” “us,” “our”). Please read these Terms & Conditions carefully before using our Website. By accessing and using this Website, you (referred to as “visitor,” “you,” “your”) acknowledge that you have read these Terms & Conditions and agree to be bound by them.

TERMS OF USE

By visiting this Website, you confirm that you are at least 18 years old and have the legal capacity to adhere to these Terms and Conditions. The use of this Website by individuals under 18 is strictly prohibited.

By using this Website, you accept the terms outlined in these Terms and Conditions and agree to comply with them, whether you have read them or not. If you disagree with any of the terms, please discontinue using our Website and refrain from using our Programs, Products, and Services.

These Terms and Conditions may be updated or changed at any time without notice. It is your responsibility to check for updates periodically. Continued use of the Website signifies your acceptance of any changes or updates to these Terms and Conditions.

This site and its Materials are not associated with, affiliated with, endorsed by, or sponsored by Facebook, Instagram, Pinterest, or any other website unless explicitly stated otherwise.

If you purchase a program, product, or service from us, you confirm that you are over 18. Purchases by individuals under 18 are prohibited. All purchases are subject to the specific terms outlined in the Terms of Use associated with the purchased program, product, or service. In the event of a conflict, these Terms of Use will prevail.

INTELLECTUAL PROPERTY RIGHTS

This Website and its content are the property of Olga Kargopolova and/or our affiliates or licensors, protected by applicable intellectual property laws. The Website includes original work created exclusively for Olga Kargopolova and is considered intellectual property protected under Federal Intellectual Property Laws. This includes, but is not limited to, trademarked and copyrighted material, website design, layout, photographs, graphics, text, information, documents, data, logo, artwork, color scheme, branding, and placement on the Website, as well as any other proprietary information (collectively referred to as “Content”).

As a visitor, you acknowledge that all materials on our Website have been created with significant time, effort, and investment. These materials are valuable assets belonging to Olga Kargopolova and must not be used improperly or without authorization. You agree not to use our Website content, Programs, Products, Services, or Program Materials in a manner that infringes on our rights or without our prior written consent.

Your access to our Website grants you a limited, revocable, non-transferable license to use the information for personal, non-commercial purposes only. If you purchase a product or service, you will receive a limited license to use the information as specified in the Terms of Use or Client Agreement associated with that product or service.

Unauthorized use of our Website content, Programs, Products, Services, or Program Materials constitutes theft and will be prosecuted to the fullest extent of the law. Unauthorized use may result in civil claims for damages or criminal charges.

Any trademarks, taglines, and logos displayed on Program Materials belong to us. Unauthorized use of these trademarks, including framing, meta tags, or other text utilizing these trademarks, is prohibited without our express written consent.

For trademarks, taglines, and logos you are permitted to use, trademark indicia must be included at all times. Unauthorized use of marketing or promotional tools, Program, Product, or Service titles, or any other information bearing our trademarks is strictly prohibited.

All rights not explicitly granted in these terms or through written licenses are reserved by us.

From time to time, we may offer free downloadable, printable, audio, or visual content in exchange for your name and email address. Such materials are for personal, non-commercial use only and must not be copied, edited, distributed, or shared in any way other than their original form. If you share the material, you must credit Olga Kargopolova and not claim the material as your own or attempt to gain financially or otherwise.

OUR LIMITED LICENSE TO YOU

By visiting our Website, you agree not to:

- Engage in improper or unauthorized use of our content, including modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium any materials or information accessed on our Website or purchased through our Products, Programs, or Services.

- Participate in copying, sharing, adapting, stealing, duplicating, sharing, trading, reprinting, republishing, selling, distributing, modifying, reproducing, uploading, posting, transmitting, translating, or creating derivative works related to our Products, Programs, or Services.

- Use, post, distribute, copy, steal, or otherwise use any portion of our Website, including content or products, without express written permission from Olga Kargopolova, as unauthorized use may constitute infringement.

- Represent yourself as the creator of our Products, Programs, Services, or Program Materials in whole or in part.

- Share purchased materials, information, or content with others who have not purchased them.

- Use our Products, Programs, and Services for personal use, business/commercial use, or any way that earns you money.

- Use any portion of our Website, including all Content, information, and purchased materials, in a commercial manner to make or intend to make a profit.

You acknowledge that any actions listed above constitute infringement or theft of our work and violate these Terms and Conditions and applicable laws. We reserve the right to prosecute such actions to the full extent of the law.

Requests for written permission to use any content from our Website should be made by emailing olga@olgabiz.com before use.

YOUR LICENSE TO US

By posting or submitting any material on or through our Website, such as comments, posts, photos, images, or videos, you confirm that you are the owner of such materials and are at least 18 years old.

By submitting or posting comments, photographs, images, videos, audio recordings, or other submissions for use on or through our Website, you grant us, and anyone authorized by us, the right to include these materials as part of our current or future Website, Products, Programs, Services, and/or Program Materials. This right includes granting us proprietary rights or intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you. You may request that we delete this information at any time.

By voluntarily submitting such information, you grant us, and anyone authorized by us, consent to identify you as the author of any such comments, photographs, posts, images, videos, or audio recordings by name, email address, avatar, or user/screen name.

You also grant us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, modify, transmit, sell, distribute, and publicly display such comments, photographs, images, videos, audio recordings, or other submissions in whole or in part, in any manner or medium.

Should you post anything on our Website, social media pages, webinars, or otherwise, you agree not to post content that could harm us or another user, or include anything defamatory, harmful, hurtful, or otherwise upsetting. If you post content that constitutes cyberbullying, your comments will be removed immediately, and we reserve the right to take legal action against you.

You agree to use our Website for lawful purposes only and not to post, comment, or transmit content that infringes the rights of others. You agree to hold us harmless if you do so. You also agree not to post content that constitutes a criminal offense, use the Website or content for fraudulent or unlawful purposes, create civil liability, is repugnant, violates another’s intellectual property rights, is vulgar or obscene, or is otherwise objectionable. We reserve the right to determine whether content you post is objectionable and to remove it without explanation or consequences. If a third party takes legal action against you for something you posted on our Website, you agree to hold us harmless and fully indemnify us for any legal ramifications or actions.

DISCLAIMER

This Website is intended to provide educational information to all visitors. Any Content on this Website or Content received through opt-in email lists, freebies, or otherwise is for educational and informational purposes only. We do not guarantee specific results, changes, gains, outcomes, financial, legal, or medical through the use of our Website, Program, Products, Services, or Coaching Programs. You acknowledge that use of our Website, Program, Products, Services, or Coaching Programs is voluntary.

You agree that visiting our Website, using the information contained herein, and purchasing products is done voluntarily. We are not responsible for any harm or damage to you or your business resulting from direct or indirect use of materials or content on our Website. You agree to hold us harmless from any damages resulting from your use of Content or products/services on our Website or distributed through email and agree not to make any claims against us or the Company.

You also understand that Olga Kargopolova is not a doctor, lawyer, therapist, psychic, accountant, nurse, counselor, or other medical professional. Nothing on this Website or within any product or service is intended to replace consultation with such professionals.

Our Website and the Content and Products produced are not medical, legal, financial, or business advice. Nothing on this Website, in our products, or distributed via email is intended to replace professional advice from a doctor, nurse, lawyer, accountant, therapist, financial advisor, business consultant, or other experts regarding your specific business or life. Consult with your own professionals for questions regarding your business or personal situation.

TECHNOLOGY DISCLAIMER

We do not guarantee the delivery, accuracy, timeliness, performance, completeness, or suitability of the information, uninterrupted access, or error-free nature of our Website or other materials provided by us. We strive to present accurate, up-to-date information on our Website, but we cannot be held responsible for any inaccuracies or errors. You acknowledge that content may contain errors, and we are not liable for any such inaccuracies or errors to the fullest extent permitted by law.

We cannot guarantee access to our Website. Access may be suspended or restricted for repairs, maintenance, or updates. We will try to limit the frequency and duration of suspension or restriction. We are not liable for damages or refunds if our Website is unavailable, slow, or incomplete due to system back-up procedures, internet traffic volume, upgrades, server overloads, network failures, or other delays.

You agree to provide accurate information, including your name, email address, and payment information. If inaccurate information is provided and damages result, you may be liable for subsequent damages.

CONFIDENTIAL INFORMATION

To use our Website, gain access to our email list or blog, we may request Confidential Information, or you may provide comments, photographs, images, videos, audio recordings, email addresses, phone numbers, street addresses, billing information, usernames and passwords, birthdays, preferences, interests, assignments, or other personally-identifying information (“Confidential Information”) by submission to us. By providing such Confidential Information, you grant us permission to use and store it. We will use our best efforts to maintain your confidential information in a safe, secure manner in accordance with these Terms and Conditions and our Privacy Policy. If you believe any of your Confidential Information is incorrect or incomplete, contact us to correct it. You are responsible for keeping track of your username and password and understanding the consequences of sharing this information.

Providing information is voluntary. By providing it, you represent that any information provided through the Website or a third-party payment processor is accurate, current, and belongs to you. Do not hold yourself out as someone else or use anyone else’s information. You agree to bear the consequences of using anyone else’s information as your own.

All Confidential Information will be held confidential and not disclosed to third parties except as follows:

- Under these Terms and Conditions, Terms of Use, Privacy Policy, and Disclaimer;

- If required by law;

- In good-faith belief that such action is necessary to conform to the law;

- To comply with any legal process served on us or our partners, sponsors, investors, or affiliates;

- To protect and defend our rights or property or those of our users or purchasers;

- To act immediately to protect the personal safety of our users, purchasers, or the public.

We will not sell, distribute, or lease your Confidential Information to third parties without your permission or unless required by law.

PURCHASES MADE THROUGH OUR WEBSITE

You agree that all purchases made through our Website are voluntary and that you are financially responsible for any purchases made by you or someone acting on your behalf. If unauthorized use of a credit card or payment information belonging to someone else is confirmed, you remain financially responsible for purchases made through our Website.

You agree that any information provided by you to us or our payment processor is accurate. If your payment fails, we reserve the right to withhold the purchased product until payment is rendered.

REFUND POLICY

Due to the digital nature of our products, we do not offer refunds for any of our services, digital products, courses, programs, classes, live events, coaching, or masterminds.

Sales finalized with promotional discounts are final. These sales are not eligible for refunds under any circumstances, even if customers have made previous purchases without promotional discounts. This policy allows us to offer significant discounts while upholding the value and integrity of our offerings.

RESULTS DISCLAIMER

Our programs, products, and services aim to support women in achieving their goals. However, we do not guarantee specific results or levels of success. Individual outcomes vary based on factors like commitment, motivation, and personal circumstances. Testimonials and examples provided are for illustration and do not guarantee similar results for all clients. Success depends on your dedication and actions. By using our information, products, and services, you acknowledge that results are your responsibility. We do not promise specific achievements or earnings. Our forward-looking statements are opinions and not guarantees. Use our content based on your own due diligence. Olga Kargopolova is not liable for success or failure related to our products and services. We recommend consulting qualified professionals for specific advice. Your journey and outcomes are ultimately up to you.

TESTIMONIALS

We present testimonials and insights about other people’s experiences with our Website for illustration purposes only. Testimonials, examples, and photos used are of actual clients and are not intended to represent or guarantee that current or future clients will achieve similar results.

DEFINITION OF LIFETIME ACCESS

\"Lifetime Access\" refers to unlimited access to the course or program content for the duration of the course or program\'s operational lifetime.

LIMITATION OF LIABILITY

We are not responsible or liable for the information, products, or materials you request or receive through our Website, Programs, Products, Services, or Program Materials. We do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition, or issue due to any act or default of anyone or any business affiliated with us. We do not assume liability for anyone engaged in rendering our Website, Programs, Products, Services, or Program Materials in any way or location. If you use our Website, Programs, Products, Services, or Program Materials or any other information provided by us, we assume no responsibility.

By using our Website and/or joining our email list, you are solely responsible for your actions, choices, and results. Your use of this Website constitutes an agreement and acceptance that you will absolve Olga Kargopolova, its agents, employees, personnel consultants, affiliates, guest bloggers, joint venture partners, employees, staff, team members, or anyone affiliated with Us of any liability for any loss, damage, injury, or litigation resulting from direct or indirect use of the information, content, or products on our Website or via materials requested through email.

You understand and agree that Olga Kargopolova is not liable for any direct or indirect damages arising from your use of our Website, any information contained herein, or any products or services purchased therefrom, including but not limited to general, specific, incidental, consequential, punitive, or special damages. We are not responsible or liable for any loss, harm, or damage resulting from your use of our Website, programs, products, or services. This includes any physical, mental, emotional, financial, or personal issues, data or computer failure, computer virus obtained by use of our Website, technical glitch or failure, defect or delay, or any other issue that may arise. By using our resources, you agree that your use is at your own risk and you are solely responsible for any outcomes. You agree that your decision to use our Website is at your own risk and voluntarily chosen, and any ramifications resulting therefrom are yours alone.

Olga Kargopolova takes reasonable precautions to keep information private and confidential. We accept no responsibility for any third-party hacking or unauthorized access to such confidential information. You agree that we shall not be held liable for any unauthorized access to or use of your information, property, regardless of negligence, failures, tort, breach of implied or express contract, or other causes of action or legal theories of liability. Our limitations of liability extend to the fullest extent permitted by law, and total liability shall not exceed $500 to any one person or collective plaintiffs.

Furthermore, Olga Kargopolova takes no responsibility or liability for third-party payment processing companies\' policies used to make payments through our Website. By using a third-party payment processor or visiting our Website, you are subject to their terms and conditions, privacy policies, and disclaimers in addition to our own. We recommend reading their individual policies and terms and conditions. Should you incur damages due to the use of a third-party payment processor, you agree not to file or assert any claims against us.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless our Company, affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees from any and all claims, damages, liabilities, costs, and expenses, including legal fees, arising from your use of our Website, Products, Programs, Services, or Program Materials, or your breach of any obligation, warranty, representation, or covenant in these Terms of Use or any other agreement with us. If we must defend ourselves in any action involving you, you agree to participate and provide any evidence, documents, testimony, or other information deemed useful by us, free of charge. We are not liable for content posted on our Website by a third party, and you agree to release us from any claims arising therefrom. We are not liable for any damages resulting from reliance on information on our Website written by a third party, whether endorsed by us or not.

You agree that we are not liable for any damages resulting from reliance on information on our Website written by a third party. 

Olga Kargopolova attempts to monitor comments and posts by users and third parties to protect visitors. If you see objectionable or offensive content posted by a third party, you agree to (1) notify us and (2) not take any action against us based on the content posted by the third party. We cannot be responsible for material posted without our control and agree to release us from any claims arising therefrom.

LIMITATION OF LIABILITY

We are not responsible or liable for any loss, harm, or damage resulting from your use of our Website, Programs, Products, Services, or Program Materials. This includes any physical, mental, emotional, personal, or financial issues that may arise. By using our resources, you agree that your use is at your own risk and that you are solely responsible for any outcomes.

Olga Kargopolova takes reasonable measures to protect your information and ensure the accuracy of our content. However, we cannot guarantee the security of your information or the accuracy of our content at all times. We are not liable for any unauthorized access to your information or any inaccuracies in the content provided.

You acknowledge and agree that we make no warranties, express or implied, regarding fitness for a particular purpose, accuracy, or otherwise. Any reliance you place on our content and resources is strictly at your own risk. We encourage you to seek professional advice where needed and to use your own judgment in applying any content or guidance provided.

By using our Website and/or joining our email list, you are solely responsible for your actions, choices, and results. Your use of this Website constitutes an agreement and acceptance that you will absolve Olga Kargopolova, its agents, employees, personnel consultants, affiliates, guest bloggers, joint venture partners, employees, staff, team members, or anyone affiliated with Us of any liability for any loss, damage, injury, or litigation resulting from direct or indirect use of the information, content, or products on our Website or via materials requested through email.

You understand and agree that Olga Kargopolova is not liable for any direct or indirect damages arising from your use of our Website, any information contained herein, or any products or services purchased therefrom, including but not limited to general, specific, incidental, consequential, punitive, or special damages. We are not liable for any loss or damage incurred by you, including personal, physical, mental, emotional, or financial issues, data loss, computer failure, computer viruses obtained by use of our Website, technical glitches or failures, defects, delays, or any other issues that may arise. You agree that your decision to use our Website is at your own risk and voluntarily chosen, and any ramifications resulting therefrom are yours alone.

Olga Kargopolova takes reasonable precautions to keep information private and confidential. We accept no responsibility for any third-party hacking or unauthorized access to such confidential information. You agree that we shall not be held liable for any unauthorized access to or use of your information, property, regardless of negligence, failures, tort, breach of implied or express contract, or other causes of action or legal theories of liability. Our limitations of liability extend to the fullest extent permitted by law, and total liability shall not exceed $500 to any one person or collective plaintiffs.

Furthermore, Olga Kargopolova takes no responsibility or liability for third-party payment processing companies\' policies used to make payments through our Website. By using a third-party payment processor or visiting our Website, you are subject to their terms and conditions, privacy policies, and disclaimers in addition to our own. We recommend reading their individual policies and terms and conditions. Should you incur damages due to the use of a third-party payment processor, you agree not to file or assert any claims against us.

RELEASE OF CLAIMS

In no event will we be liable to any party for any type of direct, indirect, special, incidental, equitable, or consequential damages for any use of or reliance on our Website, Programs, Products, Services, or Program Materials, or on those affiliated with us in any way, and you hereby release us from any and all claims; including those related to lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties.

DISPUTE RESOLUTION

It is our intent that any differences arising will be resolved amicably through written correspondence. If resolution is not achieved within a reasonable time, you agree that binding arbitration before a single arbitrator, selected jointly, in accordance with the Ontario, Canada Arbitration Association Rules is the only method of legal dispute resolution. Before seeking arbitration, you must email olga@olgabiz.com with all reasons for dissatisfaction. The only remedy through arbitration is a full refund of your payment to date. No other actions or financial awards of consequential damages may be granted. The arbitrator\'s decision is final and binding and may be entered as a judgment in any court with appropriate jurisdiction.

By visiting our Website, purchasing our Products, Programs, Services, and/or Program Materials, you agree to a modified statute of limitations such that arbitration must begin within one year of your correspondence or you waive the right to seek dispute resolution by arbitration or take other legal action.

You agree that arbitration will be held in Ottawa, Ontario, Canada, and the prevailing party will be entitled to all reasonable attorneys’ fees and costs necessary to enforce the arbitrator’s decision.

In the event of a dispute, you agree not to engage in any conduct or communications, public or private, including on social media, designed to disparage us, our Company, or our Products, Programs, or Services. Where requested by law or arbitration, you are not prohibited from sharing your thoughts and opinions as part of the legal process.

If any terms of these Terms and Conditions are construed as invalid or unenforceable, it will not affect the validity or enforceability of any other term, which will remain in full force and effect.

GOVERNING LAW

These Terms and Conditions are governed by the laws of Ontario, Canada, regardless of conflict of laws principles.

TERMINATION

Olga Kargopolova reserves the right to refuse or terminate your access to our Website at any time, for any reason, with or without notice. If you made any purchases and are entitled to receive or allowed continued use of purchased information, we will make it available to you in a way we see fit.

For any questions about these Terms and Conditions, please contact us at olga@olgabiz.com. Thank you.

Additionally, review our Privacy Policy for how your information is stored and shared.

READ TERMS AND CONDITIONS FOR DIGITAL WEALTH ACADEMY HERE