Terms of Service

The necessary terms and conditions of service.

These terms and conditions set out the terms and conditions on which we offer to supply to you products advertised on this website.

All references in these terms of use and conditions of sale to the “website” or “Website” refer to this website startupvirtue.com; to “we”, “us”, “our” and “Startup Virtue” refer to Startup Virtue, LLC; and to “you” and “your” are to you, the user / buyer; the “Product(s)” refers to any material you download from the Website, the "Service(s)" refers to any written and recorded video material on the website, educational courses, guides and tutorials, livechat advice, email advice, and consulting services.

This Website is designed for you — please read these terms and conditions as they protect your interest, and if you have any comments, problems or any questions regarding our Website and/or products and services featured, please get in touch with us.

By using or accessing our Website and/or placing any order(s), you agree to be legally bound by these terms and conditions.

Use of our Website

Every effort is made to ensure the complete accuracy of the content on the website, including the description of our products, however it is possible that errors may occur. We make a good faith effort to display the structure and design of the financial models on the website through the photos and videos as best as we can.

The content of the pages of this website is meant to be illustrative and is for your general information and use only. It is subject to change without notice. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Use of the Products

The Products and Services have been designed for your use to estimate and project your financials for your business idea. They include some benchmark data and structure to help you create your projections, but you will need to modify the assumptions and structure to fit your business. We do not accept any liability for damages in using the Products or Services.

We are not Financial Advisors

We provide information designed to educate and inform business owners and entrepreneurs. We and our Products and Services are not intended to provide legal, tax or financial advice. We are not financial planners, brokers or tax advisors. The Products and Services are intended only to assist you in the organization of your finances and decision-making and is broad in scope. Your financial situation is unique, and any information and advice obtained through the Products and Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual situation.

Pricing and Payment Details

All prices quoted are in US Dollars and are inclusive of tax (as applicable), except for VAT. VAT is charged applicable to your location and is additional to the listed price. The price does not include any delivery cost. Prices may change at any time, but will not affect orders which have already been delivered. Our Website may contain a number of products and it is always possible that, despite our best efforts, some of the products listed on our Website may be incorrectly priced. We are under no obligation to provide the product to you at the incorrect (lower) price, if the pricing error is obvious and unmistakable and could have reasonably been recognized by you as a mispricing.

Coupons are only applicable at the time of purchase and cannot be applied retroactively.

Full payment will be taken at the time of placing your product order, and we reserve the right to obtain validation of your payment before accepting your order. If your order is rejected, for whatever reason, and payment has been accepted, you will receive a full refund.

Processing your Order

Our products are offered for sale subject to availability and our acceptance of your order, which we reserve the right to reject without reason. However, we will inform you as soon as possible if the products you have ordered are not available or if your order has not been accepted, and a full refund will be given for orders which are rejected.

We may from time to time issue gift or promotional codes relating to the purchase of the products. These gift or promotional codes will only be available on the terms specified at the time of issue. Should you attempt to make an order for products using a gift or promotional code issued to another individual and/or for purposes other than those for which it was granted, we shall be entitled to reject such order. A refund will be given for all rejected orders.

After you have placed an order with us for the purchase of products, you will receive an e-mail confirming the transaction of your order. You will be given the option to download the model immediately, and will receive an email to the email address you supplied in the purchase process with the financial model attached. Orders normally deliver immediately, if you do not receive the email with the financial model, please check your spam folders. If for some reason you have not received your product, contact us.

Refunds and Exchanges

We do not allow refunds of any kind for services, including trainings, webinars, model customizations, consultations, or other guidance.

We offer a full money-back guarantee for pre-built models that do not include customizations made by Startup Virtue. If you are not satisfied with the product that you have purchased from us, you are eligible for a full reimbursement within 30 calendar days of your purchase. After the 30-day period you will no longer be eligible and will not be able to receive a refund. We encourage users to try the product in the first two weeks after purchase to ensure it fits their needs.

In select cases, we do offer exchanges to replace a model you purchased for a model up to the same price. If you have any question about the applicability of the models for your business or questions about the models, contact us before purchase.

License

The license agreement for Products and Services we provide is at startupvirtue.com/license

Intellectual Property Rights

We retain all right, title and interest in and to the products, including, without limitation, software, images, text, graphics, illustrations, logos, service marks, copyrights, photographs, videos, music, spreadsheet methods, and all related intellectual property rights. Except as otherwise provided in this agreement, you may not, and may not permit others to: (i) reproduce, modify, translate, enhance, decompile, disassemble, reverse engineer or create derivative works of any of our Product; (ii) sell, license, sublicense, rent, lease, distribute, copy, publicly display, publish, adapt or edit any of our Product; or (iii) circumvent or disable any security or technological features of our Product.

The design, text, graphics, selection and arrangement thereof and services and the legal forms, documents, guidance and all other content found on our website are the copyright © of us. All rights reserved.

Disclaimer

We are always seeking to deliver an excellent Product to you. However, from time to time, some of the information, software, products, and services made available through the website may include inaccuracies or typographical errors. Thus information received from us should not be relied upon for personal, medical, legal, or financial decisions. You should consult an appropriate professional for specific advice tailored to your situation. In short, your use of our Product and Services is at your own risk.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, SUPPLIERS AND DISTRIBUTORS MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, ABOUT THE PRODUCTS AND SERVICES. THE PRODUCTS AND SERVICES ARE PROVIDED "AS IS." WE ALSO DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. INFORMATION AND OPINIONS RECEIVED VIA THE WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR AFFILIATES, SUPPLIERS OR DISTRIBUTORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY LOSS OF USE, DATA, BUSINESS, OR PROFITS, REGARDLESS OF LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE PRODUCTS AND SERVICES SHALL IN NO EVENT EXCEED THE GREATER OF $100 OR THE AMOUNT PAID BY YOU TO US FOR THE 12 MONTHS PRECEDING THE SERVICES IN QUESTION.

Indemnification

You shall defend, indemnify and hold us and our employees, harmless from and against all claims, suits, proceedings, losses, liabilities, and expenses, whether in tort, contract, or otherwise, that arise out of or relate, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement or any activity by you in relation to the Sites or your use of the Products and Services.

Third Party Websites

We may provide links on our website to the websites of other companies, whether affiliated with us or not. We cannot give any undertaking, that products you purchase from companies to whose website we have provided a link on our website, will be fit for purpose or of satisfactory quality, and any such warranties are DISCLAIMED by us absolutely. This DISCLAIMER does not affect your statutory rights against the third party seller.

Any products provided by StartupVirtue but purchased through third party websites are legally bound by the terms and conditions referring to the usage of the models, including the accuracy of the description of the models, the goal of the products, refunds, exchanges, warranties, liabilities, license grant, intellectual property rights, and indemnification. The third party websites are responsible for delivery of the products. Prices for the products on third party websites may differ from prices on this Website, and certain discounts or coupons offered on this Website may not be applicable or available for products available for sale on third-party websites. We do not match prices across websites, and we do not offer price adjustments or partial refunds for purchases made on third party websites.

Privacy

Your privacy is important to us - please see our full privacy policy at startupvirtue.com/privacy to understand how we protect your personal information.

Children's Use of the Website

We are committed to protecting the privacy of minors and does not sell products for purchase by children under the age of 18. Our website is not promoted to minors and if as the user you are under 18, you may use startupvirtue.com only with the involvement of a parent or guardian. Should it come to our attention that minors under the age of 18 have been purchasing through our website, their personal information will be removed from our records.

Notices and Complaints

All notices given by you to us (including any complaints that you may have) should be sent to Startup Virtue, LLC, by email to Roger@startupvirtue.com or by post to Startup Virtue, 596 Charles St, # 21, Providence, RI 02904.

We may give notice to you at either the e-mail or postal address you provide to us when placing an order. Notice will be deemed received and properly served immediately when posted on our Website, 24 hours after an e-mail is sent, or two days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.

Jurisdiction

These terms and conditions shall be governed by, and construed in accordance with, the laws of The United States of America. Disputes arising here from shall be exclusively subject to the jurisdiction of US courts.

Entire Agreement

These terms and conditions, our privacy policy, license agreement, and any document expressly referred to in them represent the entire agreement between us in relation to the subject matter of any contract and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing.

You and we acknowledge that, in entering into a contract, you have not and we have not relied on any representation, undertaking or promise given by the other or be implied from anything said or written in negotiations between you and us prior to such contract except as expressly stated in these terms and conditions.