TERMS AND CONDITIONS
Effective Date: 15 April 2025
Last updated: 15 April 2025
By accessing, browsing, enrolling in, purchasing, or otherwise utilizing The Wealth Building Blueprint course, Personal Coaching services, or the Introduction to Investing book (collectively referred to as the "Services" or "Products") offered by Vladyslav Grabarskyy, trading as a sole proprietor in Ireland (hereinafter referred to as "we," "us," or "our"), you (hereinafter referred to as "you," "your," or "User") acknowledge that you have read, understood, and agree to be bound by the following detailed Terms and Conditions. These Terms and Conditions constitute a legally binding agreement between you and Vladyslav Grabarskyy. You agree to be bound by the following Terms and Conditions:
1. Eligibility
You must be at least 18 years old to purchase or access this course. This website and all related services are owned and operated by Vladyslav Grabarskyy, trading as a sole proprietor. At this time, no incorporated legal entity is associated with this business. It is your sole responsibility to ensure that you possess the necessary technical equipment, including but not limited to a computer, internet access with sufficient bandwidth, and compatible software, to effectively access and utilize all aspects of the course materials, including videos, PDFs, audio files, and participation in any live sessions or community forums. We are not responsible for any inability to access the course due to your technical limitations.
2. Use of Content
All content, including but not limited to videos, PDFs, audio files, live call recordings, downloadable resources, and contributions to community discussions, is provided solely for your personal, non-commercial educational use. You are expressly prohibited from engaging in any form of redistribution, resale, sharing, copying, modification, creation of derivative works, public display, performance, or any other unauthorized use of any material, in whole or in part, without the explicit prior written permission of Vladyslav Grabarskyy. This strict prohibition also applies to the digital or physical edition of “Introduction to Investing.” No part of the book, whether text, images, or any other element, may be reproduced, distributed, transmitted, or shared in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without our express written consent.
3. Intellectual Property
All materials provided as part of the course, coaching, and book, including but not limited to text, graphics, logos, designs, audio and video clips, digital downloads, and software, are protected by international copyright laws, trademark laws, and other intellectual property rights. Vladyslav Grabarskyy retains full and exclusive ownership of all intellectual property rights in and to the Services and all associated materials. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the content solely for your personal educational purposes in accordance with these Terms. You are strictly prohibited from reproducing, distributing, modifying, displaying, performing, publishing, licensing, creating derivative works from, or selling any of the content without the express prior written consent of Vladyslav Grabarskyy.
4. Payment Terms
Payments for the course, coaching, and book are securely processed via Stripe through Kajabi Payments. By submitting your payment information, you explicitly authorize the transaction for the total amount indicated at the time of checkout and agree to the pricing terms as displayed. You represent and warrant that you are authorized to use the payment method provided. We do not directly store your sensitive credit card details; all payment processing is handled securely by Stripe in full compliance with the Payment Card Industry Data Security Standard (PCI DSS). All prices for our products and services are listed in United States Dollars (USD), and you are responsible for any currency conversion fees or charges imposed by your bank or payment provider.
5. Disclaimer
This course, book, and personal coaching are provided for educational and informational purposes only and do not constitute financial, legal, tax, investment, or other professional advice. Vladyslav Grabarskyy is not a registered or licensed financial advisor, investment advisor, legal counsel, or tax consultant. All opinions, analyses, interpretations, and strategies expressed within our products and related materials are based on personal experience, research, and general principles. Any references to specific investments, financial instruments, trading strategies, or companies are for illustrative purposes only and should not be interpreted as direct investment recommendations, endorsements, or solicitations to buy or sell any financial assets. Users are strongly advised to always conduct their own thorough and independent research, due diligence, and/or consult with a qualified and licensed professional or a registered financial advisor who can take into account their individual financial situation, investment objectives, and risk tolerance before making any financial decisions. Course enrollment or coaching sessions are explicitly not and should not be construed as personal financial advice or the establishment of an advisory relationship between you and Vladyslav Grabarskyy. All financial decisions and actions taken based on the content provided are solely at your own risk and discretion; we assume no responsibility or liability for any financial losses, damages, or missed opportunities that may arise directly or indirectly from your reliance on the information provided. The material provided is not intended to provide and should not be relied upon for accounting, legal, or tax advice, or specific investment recommendations. Past performance is not indicative of future results. All forms of investment carry inherent risks, and it is possible to lose some or all of your invested capital. You should seek independent professional advice tailored to your specific circumstances before making any financial decisions. We make no guarantees or warranties, express or implied, regarding the achievement of any specific financial outcomes or results through the use of our products or services.
6. Refusal of Service
The provision of our Services is contingent upon our acceptance of your order or request. We explicitly reserve the right to refuse service to any order, individual, or entity, at our sole discretion and without any obligation to provide a reason for such refusal. No order shall be deemed accepted, and no binding contract shall be formed, until your payment has been fully processed and successfully received by us. We retain the right to modify, suspend, or discontinue any feature, aspect, or content of our Services at any time without prior notice to you, subject only to our obligations regarding any purchases for which payment has already been processed and access granted.
7. Order Confirmation
Upon successful completion of your order, you will receive an email confirmation to the email address you provided during the purchase process. This confirmation email will contain essential details regarding your purchase and, where applicable, instructions for accessing the digital content or scheduling coaching sessions. It is your sole responsibility to carefully review the information contained in the confirmation email and to notify us immediately of any errors, inaccuracies, or discrepancies. Failure to notify us of any errors in a timely manner may result in delays or other issues for which we shall not be held responsible.
8. Duration of Agreement
Your access to the purchased course materials or coaching sessions will commence once your payment has been successfully confirmed. While we are committed to providing continuous and uninterrupted access to our Services, we are not liable for any temporary delays, outages, or technical issues that may arise due to the actions or inactions of third-party service providers, including but not limited to Kajabi (for hosting) and Zoom (for live sessions). We reserve the right to modify, suspend, or terminate your access to the Service, in whole or in part, at any time, with or without prior notice. In the event of termination for reasons other than your breach of these Terms, we will make reasonable efforts to provide you with access to the content for a reasonable period or offer a pro-rata refund, at our sole discretion. The term "Lifetime Access," when offered, refers to the duration for which the specific product or service is made available by Vladyslav Grabarskyy. If the product or the business offering the product is discontinued for any reason, access to the "lifetime" content may cease, and you will not be entitled to any compensation beyond the initial purchase price.
9. Third-Party Resources
The Site and our course materials may contain links to third-party websites, services, or resources that are not owned or controlled by Vladyslav Grabarskyy. We explicitly state that we are not responsible for the availability, accuracy, content, reliability, or security of those external resources. The inclusion of any such links does not constitute or imply any endorsement, recommendation, affiliation, or warranty by us regarding the third-party website, its content, or its services. You acknowledge and agree that Vladyslav Grabarskyy shall not be held responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any such third-party websites or resources. Your access and use of such third-party resources are solely at your own risk and are subject to the terms and conditions and privacy policies of those third parties.
10. Product Description
We make diligent efforts to describe our services, including the course content, coaching sessions, and book, as accurately as possible on our website and in our marketing materials. However, despite our best efforts, errors in pricing or descriptions may occasionally occur. We explicitly reserve the right to correct any such errors at any time, and we do not warrant that the product descriptions or pricing are always accurate, complete, reliable, current, or error-free. In the event of a pricing error or a material inaccuracy in the product description, we reserve the right to cancel or refuse any orders placed under such incorrect listings. If we cancel your order due to such an error, we will promptly issue a full refund of the purchase price.
11. Modifications
We retain the unequivocal right to change, modify, amend, or update the course content, structure, curriculum, pricing, features, and these Terms and Conditions at any time, without prior notice. Any such changes will be effective immediately upon posting the revised Terms and Conditions on our website. Your continued access to or use of the Services after the posting of any modifications constitutes your explicit acceptance of and agreement to be bound by the updated Terms. We will make commercially reasonable efforts to notify you of significant and material changes to these Terms, such as by sending an email to your registered email address or by posting a prominent notice on our website; however, it is your responsibility to periodically review these Terms for any updates.
12. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law provisions. This choice of law shall not operate to deprive you of any mandatory consumer protection rights or protections that you are entitled to under the laws of your country of habitual residence. If you are located in a jurisdiction that grants additional statutory consumer rights (such as the UK Consumer Rights Act, the Australian Consumer Law, or Canadian provincial consumer protection regulations), these Terms are intended to respect and not derogate from those rights, and nothing herein shall be interpreted to exclude or limit your mandatory statutory rights as a consumer. Our products and services are not specifically marketed to or directed at residents of Quebec, and therefore may not fully comply with the unique consumer protection requirements of Quebec law.
13. Limitation of Liability
While we are committed to ensuring continuous and seamless access to our Services, you acknowledge and agree that we rely on third-party platforms, specifically Kajabi for hosting the course and community, and Stripe for processing payments. Consequently, your data, including personal information and course progress, may be stored on Kajabi’s servers, which may be located outside of Ireland and potentially in the United States. Similarly, your payment information is processed and handled by Stripe in accordance with their security protocols. By accessing and using our course, you explicitly agree to be bound by the general user terms and privacy policies of both Kajabi and Stripe to the extent that they are applicable to your use of their services. We shall not be held liable for any interruptions, delays, errors, inaccuracies, unavailability, security breaches, or performance issues caused by these third-party services. You acknowledge and agree that such issues are beyond our direct control, and you explicitly agree that we bear no responsibility or liability for any losses, damages, inconveniences, or frustrations resulting from any disruptions or failures of these third-party services. Furthermore, the content provided within the course, book, and coaching sessions may contain inadvertent errors, omissions, or may become outdated over time due to the constantly evolving nature of financial markets and regulations, and Vladyslav Grabarskyy explicitly disclaims any liability for any inaccuracies or omissions in the content. Financial laws, regulations, and market conditions change frequently, and the information provided may not always be the most current.
Specifically, and without limiting the foregoing, we shall not be liable for:
- Service interruptions, delays, or failures arising from acts of force majeure, including but not limited to natural disasters, war, civil unrest, pandemics, governmental actions, power outages, internet service provider failures, or other events beyond our reasonable control.
- Any losses or damages resulting from website downtime, server outages, cyber attacks, malware infections, data breaches occurring on third-party platforms, or any other technical issues related to third-party service providers.
- Any direct, indirect, incidental, consequential, special, exemplary, or punitive financial losses, including but not limited to loss of business, loss of profits, loss of revenue, loss of anticipated savings, loss of data, loss of goodwill, or damage to reputation, arising out of or in any way connected with your use of our Services or your reliance on the information provided.
Any guest speakers, third-party resources, or content provided by affiliate partners within the course or related materials are presented for informational purposes only and do not necessarily reflect the views or endorsements of Vladyslav Grabarskyy. Vladyslav Grabarskyy explicitly disclaims any liability for the statements, opinions, or claims made by any third parties and shall not be held responsible for their accuracy or reliability.
Notwithstanding the foregoing, nothing in these Terms and Conditions shall operate to exclude or limit our liability for death or personal injury caused by our direct negligence, or for fraud or fraudulent misrepresentation. To the maximum extent permitted by applicable Irish and EU law, our total and aggregate liability for any and all claims arising out of or in connection with your use of the course, personal coaching, or book shall be strictly limited to the total amount you actually paid to us for the specific product or service that directly gave rise to the claim. Some jurisdictions do not allow the exclusion of certain implied warranties or the limitation or exclusion of liability for incidental or consequential damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by applicable law.
14. Account Creation
If you create an account to access our Services, you agree to provide truthful, accurate, current, and complete information during the registration process and to update such information as necessary to keep it accurate, current, and complete. You are strictly prohibited from impersonating any other user or using unauthorized account details. You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password, and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account. Use of your account for any illegal, unauthorized, or prohibited purposes is strictly forbidden.
15. Lawful Purposes
You agree to access and use the Site and our Services solely for lawful, non-commercial, and educational purposes in strict accordance with these Terms and all applicable laws and regulations. You are expressly prohibited from posting, transmitting, distributing, or otherwise making available any content that is offensive, harassing, defamatory, libelous, illegal, harmful, threatening, abusive, inflammatory, discriminatory, obscene, or that infringes upon the intellectual property rights, privacy rights, or any other rights of any third party.
16. Severability
If any provision or part of these Terms and Conditions is determined by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be struck and severed from the remaining Terms, and the remainder of the Terms and Conditions shall continue in full force and effect to the fullest extent permitted by law, and the invalid, illegal, or unenforceable provision shall be deemed to be replaced by a valid, legal, and enforceable provision that most closely approximates the original intention of the parties.
17. Cookies
We utilize cookies, including third-party cookies provided by analytics platforms and affiliate tracking services, to enhance your browsing experience on our website, analyze website traffic and usage patterns, personalize content, and track affiliate referrals. By continuing to use our website, you explicitly agree to our use of cookies in accordance with our detailed Privacy Policy. Upon your initial visit to our website, you will be presented with a clear and comprehensive cookie consent banner that allows you to manage your preferences regarding the use of non-essential cookies. You have the right to accept or reject certain categories of cookies. Our comprehensive Privacy Policy provides detailed information about the specific types of cookies we use, their respective purposes, the duration for which they are stored, and how you can further control your cookie settings through your browser. Please refer to our Privacy Policy for a complete understanding of our cookie practices.
18. Refund Policy
We offer a limited 3-day, no-questions-asked refund policy specifically for The Wealth Building Blueprint course and Personal Coaching services. This refund window commences immediately upon your purchase date. To request a refund, you must send a clear and unambiguous email to [[email protected]] within three (3) calendar days of your purchase. Your refund request must clearly state your name, the product or service purchased, and the date of purchase. Upon approval of your valid refund request, the refund will be processed within seven (7) to ten (10) business days using the original method of payment. Please note that upon issuance of a refund, your access to all course content, coaching sessions, and any associated private community forums will be immediately revoked. This voluntary refund policy does not in any way affect your statutory rights as a consumer under applicable Irish and EU law, which provide certain non-excludable rights and remedies. No refunds are offered for the purchase of the Introduction to Investing book, as it is a digital product delivered immediately upon purchase.
19. Private Community Access
All purchases of The Wealth Building Blueprint course or Personal Coaching services include a complimentary trial period of one (1) month of access to our private Telegram Community, commencing upon your purchase date. Following the expiration of this initial trial period, you will receive a separate email communication providing you with a clear and explicit option to continue your membership in the Telegram Community. You will not be automatically charged for continued access; you will only be billed if you actively choose to opt-in and subscribe to the community membership after the trial period. You retain the right to cancel or decline continued membership at any time, and no further charges will be applied.
20. User Responsibility
You fully understand and acknowledge that your success and the achievement of any desired outcomes related to wealth building and investing are heavily dependent on your own individual effort, commitment, motivation, consistent implementation of the strategies and information provided, and various other factors beyond our control. We make no guarantees, representations, or warranties, express or implied, regarding your potential for financial success, income generation, or any specific results from utilizing our course, coaching, or book. It is your sole responsibility to ensure that you possess the necessary prerequisite knowledge, skills, and technological infrastructure to effectively utilize the course materials and participate in any related activities. Vladyslav Grabarskyy shall not be held responsible or liable if you find the course content to be too advanced, not suitable for your current level of understanding, or if you lack the necessary technical capabilities to access or implement the course content. It is your responsibility to assess the suitability of the course and our offerings for your individual needs and circumstances before making a purchase.
21. Affiliate Partners and Tracking
We collaborate with carefully selected third-party affiliate partners who may promote our products and services on their own websites, social media platforms, or through other marketing channels. When you access our Site or make a purchase through a unique affiliate link provided by one of our partners, a tracking cookie may be placed in your browser. This cookie serves to track the referral source and accurately assign appropriate commissions to the referring affiliate for successful sales. These tracking cookies typically have a limited lifespan and do not collect any personally identifiable information beyond what is necessary to attribute the sale to the affiliate. Our affiliate partners receive a predetermined commission for purchases that are directly attributable to their unique referral links. Crucially, these affiliate commissions are paid by us and do not result in any additional cost or expense to you, the purchaser. All of our affiliate partners are contractually obligated to comply with all applicable advertising guidelines, regulations, and best practices, including but not limited to clearly and conspicuously disclosing their affiliate relationship with Vladyslav Grabarskyy as required by law (e.g., guidelines issued by the Federal Trade Commission (FTC) in the United States or equivalent regulatory bodies in other jurisdictions). Affiliates are solely responsible for ensuring their marketing activities are fully compliant with all relevant advertising laws and for transparently disclosing their affiliate relationship to their audiences. We may also utilize various digital advertising platforms (e.g., Meta Ads, Google Ads, YouTube Ads, X Ads, LinkedIn Ads, TikTok Ads, Snapchat Ads, etc.) to promote our products and services directly. These advertising platforms may employ cookies, pixels, and other similar tracking technologies to track user behavior across the internet, measure the effectiveness of our advertising campaigns, and deliver targeted advertisements to relevant audiences. We are committed to ensuring that our use of such digital advertising technologies complies with all applicable data privacy regulations, including but not limited to the General Data Protection Regulation (GDPR) for users within the European Economic Area (EEA) and other relevant privacy laws in the jurisdictions where our advertisements are displayed. Any personal data collected through these advertising activities is handled in accordance with our comprehensive Privacy Policy.
22. Marketing Communications
By voluntarily enrolling in any of our products or actively subscribing to our email list through our website or other opt-in mechanisms, you explicitly consent to receive occasional marketing, promotional, and educational emails from us. These communications may include updates about new course modules, special offers, upcoming events, valuable insights related to wealth building and investing, and other relevant information. We are committed to respecting your communication preferences, and every marketing email we send will include a clear and easily accessible "unsubscribe" link in the footer. You have the right to withdraw your consent to receive marketing communications at any time by clicking on this link, and your request will be promptly processed. Any marketing descriptions, testimonials, or examples of potential outcomes presented in our advertisements or on our course sales pages are intended for illustrative purposes only and should not be interpreted as a guarantee or promise of specific content, results, or financial success. The actual content of the course and the outcomes achieved by individual users may vary significantly based on their individual circumstances, effort, and implementation. We will only send you direct marketing communications if you have provided your explicit and informed consent to receive such materials, in strict accordance with applicable data protection laws, including the GDPR for residents of the EEA.
23. Compliance with Irish and EU Law
These Terms and Conditions are meticulously designed to comply with the applicable laws and regulations of Ireland and the broader European Union, including but not limited to the Electronic Commerce Act 2000, the European Communities (Directive 2000/31/EC) Regulations 2003, the General Data Protection Regulation (GDPR) concerning the processing of personal data of individuals within the EEA, the Consumer Rights Act 2022 (Ireland), and other relevant consumer protection legislation. By accessing and using our Services, you explicitly agree to adhere to all relevant laws, regulations, and directives in your jurisdiction. We are committed to upholding the principles of fair trading, consumer protection, and data privacy as mandated by Irish and EU law.
24. Force Majeure
We shall not be held liable or responsible for any failure or delay in the performance of our obligations under these Terms and Conditions if such failure or delay is directly or indirectly caused by circumstances beyond our reasonable control. These force majeure events may include, but are not limited to, acts of God, natural disasters (such as earthquakes, floods, storms), acts of war, terrorism, civil unrest, epidemics, pandemics, governmental restrictions or regulations enacted after the effective date of these Terms, power failures, internet service provider outages, telecommunications disruptions, labor disputes (strikes, lockouts), or any other unforeseen and unavoidable events that prevent us from fulfilling our obligations. In the event of such a force majeure event, we will make reasonable efforts to notify you of the situation and its expected duration, and we will take commercially reasonable steps to mitigate the impact of the event. However, during the period of the force majeure event, our obligations under these Terms will be suspended to the extent affected by the event.
25. Termination
We explicitly reserve the right to terminate or suspend your access to our Services immediately, without prior notice or liability to you, for any reason whatsoever, including but not limited to your breach of these Terms and Conditions, violation of any applicable laws or regulations, engagement in fraudulent or abusive activities, or any conduct that we, in our sole discretion, deem to be harmful to our Services, our community, or our business interests. Upon any termination of your access, your right to use the Services will immediately cease, and you will no longer be authorized to access any course materials, coaching sessions, or community forums. Any provisions of these Terms that by their nature should survive termination, including but not limited to intellectual property rights, disclaimers, limitations of liability, and governing law, shall continue to apply even after your access is terminated. We shall not be liable to you or any third party for any termination of your access to the Services.
26. Entire Agreement
These Terms and Conditions constitute the entire, complete, and exclusive agreement between you and Vladyslav Grabarskyy regarding your use of our Services and supersede and replace any and all prior agreements, communications, representations, and understandings, whether oral or written, relating to the subject matter hereof. You acknowledge that you have not relied on any representation, warranty, or statement made by us or any other person, except as expressly provided in these Terms. All contracts and agreements formed through our website using electronic means, including but not limited to the clicking of an "I Agree" button or similar affirmative action, are legally binding and shall have the same legal force and effect as traditional paper-based written contracts signed by hand. By clicking 'I Agree' or taking any other action that signifies your acceptance of these Terms, you are providing your valid electronic signature, which is legally binding and constitutes your agreement to be bound by these Terms. To the maximum extent permitted by applicable law, our total and aggregate liability for any and all claims arising out of or in any way connected with your use of the course, personal coaching, or book is strictly limited to the total amount you actually paid to us for the specific product or service that directly gave rise to the claim. Under no circumstances shall we be liable for any indirect, incidental, consequential, special, or punitive losses or damages, including but not limited to loss of profits, loss of data, or loss of business opportunities, even if we have been advised of the possibility of such damages. Nothing in these Terms and Conditions shall operate to exclude or limit your mandatory statutory rights as a consumer under applicable law in your country of residence.
27. Location Disclosure
As a digital-only business operated by a sole proprietor, Vladyslav Grabarskyy does not maintain a physical office location open to the public. All support, communication, and inquiries are exclusively handled via electronic mail at the designated email address: [[email protected]]. Vladyslav Grabarskyy is based in Ireland and conducts business in accordance with applicable Irish and European Union regulations.
28. Community Participation and Messaging (Telegram)
If you choose to join our private Telegram group, you may interact with other members and share messages, images, or other content. Participation in the community is optional and at your own discretion. Any content you post may be visible to other participants. We advise you not to share sensitive or personal information in this space. Telegram is a third-party platform and is subject to its own privacy policy. We do not control how Telegram stores or uses data you share there. Please refer to Telegram’s Privacy Policy for details.
29. Contact Us
We are committed to making our website and services as accessible as possible to all users. If you encounter any accessibility issues or have any difficulties navigating our website, please do not hesitate to contact us for assistance. For any questions, concerns, feedback, or requests related to these Terms and Conditions or our Services, please feel free to reach out to us via the following contact method: Email: [email protected]
