Terms & Conditions

1. Agreement to these terms

These Terms & Conditions ("Terms") are a contract between you and Ray Consulting LLC ("we", "us"), which operates incomewithray.com (the "Website"). They apply to the Website and to every course, guide, template, prompt pack, bundle and other digital product we sell (the "Products").

You accept these Terms when you tick the agreement box at checkout, complete a purchase, or access or use a Product. If you do not agree, do not buy or use our Products.

2. Who can buy

• You must be at least 18 years old and legally able to enter into a contract.
• The name, email address and payment details you give us must be accurate and your own.
• You must be authorised to use the payment method you pay with.

3. Our Products and delivery

Everything we sell is digital. Nothing is shipped. As soon as your payment goes through, access is delivered electronically, by email and through your account on our course platform.

By completing a purchase you ask us to deliver the Product immediately, and you acknowledge that delivery is complete once access has been sent to the email address you gave at checkout. It is your responsibility to enter a working email address and to check your spam folder.

4. Access and licence

When you buy a Product we give you a personal, non-exclusive, non-transferable licence to use it for your own learning and your own business. You are buying access, not ownership of the content.

"Lifetime access" means access for as long as that Product is offered and the Website operates, including updates we make to that Product. It does not include new or separately sold products. We may change the platform that hosts a Product, and if we ever retire a Product we will try to give you notice first.

5. What you may not do

• Share your login, or let anyone else use your account or your copy of a Product.
• Copy, record, resell, give away, upload or republish any part of a Product.
• Present our material as your own, or use it to build a competing course or product.
• Feed our material into an AI system to train it or to reproduce the content.
• Use a Product for anything unlawful.

If you break these rules we may end your access without a refund and take action to protect our rights.

6. Prices and payment

• The price is the one shown at checkout at the time you buy. We may change prices at any time, but not for an order you have already paid for.
• Payments are processed by third-party providers, currently Stripe and PayPal, under their own terms.
• You are responsible for any taxes, bank charges or currency conversion fees that apply to your purchase.
• If a Product is sold in instalments, you agree to pay every instalment in full, whether or not you use the Product. We may suspend access while a payment is overdue.

7. All sales are final

Because our Products are digital and delivered instantly, all sales are final. We do not offer refunds, exchanges or credits, including if you change your mind, do not use the Product, are not satisfied with the content or your results, or have technical problems on your own device.

If you cannot get into a Product you paid for, email info@incomewithray.com and we will get you access. The full policy is on our Refund Policy page, which forms part of these Terms.

Nothing in these Terms takes away a right the law gives you that cannot be waived.

8. Chargebacks and payment disputes

Contact us first. If you have a problem with an order or do not recognise a charge, email info@incomewithray.com before you contact your bank or payment provider. Most problems are solved quickly this way.

By completing a purchase you confirm that you authorised the payment, that you received access to a digital Product, and that you agreed to these Terms and our no-refund policy. Opening a chargeback or payment dispute for a Product that was delivered as described is a breach of these Terms.

If a chargeback or dispute is opened, we may:

• suspend or end your access to all of our Products;
• send your bank or payment provider evidence of the purchase, including these Terms, your acceptance of them at checkout, the delivery email, and records of your account access and activity;
• recover the disputed amount, together with any fees the bank or payment provider charges us and our reasonable costs of collecting it;
• decline future orders from you.

9. Education only, not professional advice

Our Products share general education and our own experience. They are not legal, financial, tax, investment or other professional advice, and buying a Product does not create a coaching, advisory or client relationship. Speak to a qualified professional before making decisions about your money or your business.

10. Earnings disclaimer

We do not guarantee that you will earn any money. Any income figures, results or examples shown on the Website or inside a Product, including our own, are illustrations only. They are not typical, and they are not a promise of what you will achieve.

Your results depend on many things outside our control, including your effort, skills, experience, time, starting resources and market conditions. Testimonials describe individual experiences and are not a guarantee that you will get the same result.

11. Your responsibility and risk

You decide whether and how to use what you learn, and you are responsible for the outcome. Starting or growing a business involves risk, including the risk of losing money, and you accept that risk when you act on our material.

12. Technical requirements and availability

You need a suitable device, a current web browser and an internet connection to use our Products, and providing them is your responsibility. We work to keep the Website and Products available, but we do not guarantee that they will be uninterrupted or error-free. Occasional downtime for maintenance or for reasons outside our control does not entitle you to a refund.

13. Third-party tools and links

Our Products may mention or link to tools, platforms and websites that we do not own. They can change their features, prices and rules at any time, and we are not responsible for them. Some links may be affiliate links, which means we may earn a commission if you buy through them, at no extra cost to you.

14. Intellectual property

The Website and Products, including all text, videos, images, templates, prompts and branding, belong to Ray Consulting LLC or its licensors and are protected by copyright and other laws. Apart from the licence in section 4, no rights are given to you.

15. Community and your content

If a Product includes a community or comment area, be respectful. Do not post spam, advertising, unlawful or abusive content, or other people's private information. We may remove content and suspend accounts that break these rules. You keep ownership of what you post, and you allow us to display it within the community.

16. Ending your access

We may suspend or end your access if you break these Terms, open a chargeback for a delivered Product, misuse the Website, or behave abusively towards us or other members. If we do, you are not entitled to a refund. You can stop using our Products at any time, but that does not cancel any payment you owe.

17. Disclaimers and limit of liability

The Website and Products are provided "as is", without warranties of any kind, to the fullest extent the law allows.

To the fullest extent the law allows, we are not liable for lost profits, lost revenue, lost data or any indirect or consequential loss, and our total liability to you for any claim is limited to the amount you paid for the Product the claim relates to. Some countries do not allow certain limits, so parts of this section may not apply to you.

18. Indemnity

You agree to cover our losses and reasonable costs if a claim is made against us because you broke these Terms or misused a Product.

19. Privacy

Our Privacy Policy explains how we collect and use your personal information, and forms part of these Terms.

20. Electronic communications

You agree that we can send you receipts, access details and notices by email, and that ticking a box or completing a purchase online has the same effect as a written signature.

21. Governing law and disputes

If you have a complaint, email info@incomewithray.com first and give us 30 days to resolve it with you.

These Terms are governed by the laws of the United States and of the state in which Ray Consulting LLC is registered, and the courts of that state have jurisdiction over any dispute, except where the consumer law of your country gives you rights that cannot be removed.

22. Changes to these Terms

We may update these Terms at any time by posting the new version on this page. The version in force on the day you buy a Product is the one that applies to that purchase.

23. General

These Terms, together with our Refund Policy and Privacy Policy, are the whole agreement between you and us. If any part of them is found to be unenforceable, the rest still applies. If we do not enforce a term straight away, we can still enforce it later. You may not transfer your rights under these Terms to anyone else; we may transfer ours if the business is sold or reorganised.

24. Contact

Questions about these Terms or an order? Email info@incomewithray.com.