Effective Date: [January 7, 2026]

These Terms of Service (“Terms“) govern your use of the websites, content, products, and services offered by Snapsay LLC d.b.a. The Art of Online Business (“Company,” “we,” “us,” or “our“).

Our “Sites” include our websites, membership platforms, landing pages, sales pages, podcast content, and related online properties, including but not limited to those branded as “The Art of Online Business.”

Our “Products and Services” include, without limitation:

• Online courses and digital trainings
• Coaching and consulting (group and 1:1)
• Done-for-you Meta (Facebook & Instagram) ads management
• The 48-Hour Ads Audit and other audit/strategy offers
• Templates, downloads, and other digital resources
• The Art of Online Business podcast and The Art of Online Business’ YouTube channel.

The terms “you” and “your” refer to site visitors, users, and customers.

By accessing or using the Sites or purchasing or using our Products and Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Sites or Products and Services.

1. Accessing the Sites and Products

To access the Sites and Products and Services, you must have internet access and compatible devices. You are responsible for all costs associated with such access.

We may modify, suspend, or discontinue the Sites or any Product or Service at any time, with or without notice. We are not liable to you or any third party for any such modification, suspension, or discontinuation or for delays or failures caused by events beyond our reasonable control (including natural disasters, war, internet or power outages, or government actions).

2. Eligibility & Lawful Use

• You must be at least 18 years old and have the legal capacity to enter into these Terms.
• You agree to use the Sites and Products and Services only for lawful, legitimate business purposes.
• You may not use the Sites or Products and Services to post, transmit, or share any material that is:
  • unlawful, threatening, abusive, defamatory, obscene, or otherwise objectionable
  • infringing on our rights or the rights of others
  • encouraging behavior that may constitute a criminal offense or civil liability

We may terminate or restrict your access if, in our sole discretion, we believe you have violated these Terms.

3. Products and Services

3.1 Product Descriptions

We try to describe our Products and Services accurately, but we do not guarantee that descriptions, pricing, or other content is error-free, current, or complete. We may correct errors and update information at any time.

3.2 Customer Accounts

Some Products and Services (e.g., courses, memberships, coaching portals) require you to create an account by providing your name, email address, and a password.

You agree to:

• Provide accurate, current information
• Keep your login credentials confidential
• Be responsible for all activity under your account

You may not share your login credentials, or let others use your account. Access is for the single customer on record only, unless explicitly stated otherwise in writing.

4. Payments & Refunds

4.1 Payments

You agree to pay all fees for Products and Services you purchase from us when they are due. We currently process payments via ThriveCart, Stripe, and HoneyBook, which may also use their own third-party payment processors.

By submitting your payment information, you authorize us and/or our payment processors to charge the payment method you provide for all purchases, including any applicable taxes, and any chosen payment plans.

If a payment is declined or fails, we may:

• Suspend or revoke access to the relevant Product or Service, and/or
• Attempt to re-process the payment, and/or
• Pursue collection of amounts owed as permitted by law

4.2 General Refund Policy (No Refunds)

Unless we explicitly state otherwise for a specific Product or Service, all sales are final and non-refundable.

This applies to (for example):

• Online courses and digital products
• Group coaching and consulting
• Done-for-you ads management retainers and set-up fees (which are typically governed by separate written contracts)

If your separate written contract for a service (such as DFY ads management or coaching) includes its own refund or cancellation terms, those contract terms will control for that specific service.

4.3 48-Hour Ads Audit Guarantee

For the 48-Hour Ads Audit only, we offer a specific guarantee:

If we cannot identify at least two credible improvements to test in your current Meta ads setup or strategy during the audit, we will refund the audit fee in full.

• What counts as a “credible improvement” is determined in our reasonable professional judgment as experienced Meta ads managers.
• If we do identify at least two such improvements, no refund will be issued, even if you choose not to implement them or do not achieve specific results.
• Any request under this guarantee must be submitted in writing to help@theartofonlinebusiness.com within 7 days of the completed audit delivery.

5. License to Use Products

For Products you purchase or are granted access to, we grant you a limited, personal, non-exclusive, non-transferable license for your own personal and internal business use only.

You may not:

• Modify, edit, copy, reproduce, distribute, or create derivative works from the Products
• Resell, share, or transfer access to any Product
• Extract content (videos, templates, frameworks, processes, etc.) to create competing products or services
• Remove any copyright or proprietary notices

We may revoke this license and terminate your access without refund if you violate these Terms or our intellectual property rights.

6. Intellectual Property

The Sites and Products and Services contain intellectual property owned by the Company and/or licensed from third parties, including:

• Logos, names, and branding associated with “The Art of Online Business”
• Website design, videos, audio, text, graphics, frameworks, and strategies
• Course content, worksheets, templates, and downloads

You agree not to:

• Copy, reproduce, distribute, or publicly display our content without prior written permission
• Frame or deep-link to our Sites or content in a way that suggests affiliation or endorsement without our written consent
• Direct others to do any of the above

We may immediately terminate your access without refund if you violate this policy.

Meta, Facebook, and Instagram are registered trademarks of Meta Platforms, Inc. Our Sites, Products, and Services are not sponsored, endorsed, or administered by Meta or any of its affiliates.

7. Third-Party Links and Services

Our Sites may include links to third-party websites, tools, or services (e.g., payment processors, webinar platforms, schedulers). We are not responsible for:

• The content, policies, or practices of those third parties
• Any damages or issues arising from your use of third-party sites

Your use of any third-party site or service is at your own risk and governed by that third party’s terms and privacy policy.

8. Publicly Shared Information & Testimonials

If you share content with us publicly (comments, chat messages, social media posts, podcast appearances, etc.), that information may be visible to others.

With your permission (for example, via email, a form, or a contract), we may use your feedback, testimonials, case studies, or results for marketing or promotional purposes. We may edit for clarity and length but will not fabricate statements.

You understand that:

• Testimonials or case studies represent individual experiences
• They do not guarantee that you will achieve the same results

9. Results Not Guaranteed

We may share examples of successful results from clients, customers, or our own campaigns. These examples are for illustration and education only.

By using the Sites or Products and Services, you acknowledge and agree that:

• We do not guarantee any specific results, revenue, return on ad spend (ROAS), lead cost, or business outcome
• Your results depend on many factors beyond our control (your offer, audience, pricing, market conditions, implementation, etc.)

Nothing on our Sites or in our Products and Services is a promise or guarantee of earnings or results.

10. No Warranties

The Sites and Products and Services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, completeness, or timeliness of content

We do not warrant that:

• The Sites or Products and Services will meet your requirements
• Access will be uninterrupted, timely, secure, or error-free
• Any errors or defects will be corrected

11. Limitation of Liability

To the maximum extent permitted by law:

• We will not be liable for any indirect, incidental, consequential, or punitive damages (including lost profits, data loss, or business interruption).
• Our total liability for any claim related to the Sites or Products and Services will not exceed the greater of:
  • USD $100, or
  • The amount you paid us in the 12 months preceding the event giving rise to the claim.

Some jurisdictions do not allow exclusion or limitation of certain damages, so parts of this section may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, employees, contractors, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Sites or Products and Services
• Your violation of these Terms
• Your violation of any third-party rights or applicable law

This obligation survives termination of these Terms.

13. Refusal of Service

We reserve the right, in our sole discretion, to refuse access to the Sites or Products and Services to any person or entity, at any time, without obligation to provide a reason. If we terminate your access due to a violation of these Terms, no refund will be provided.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles.

If a dispute arises, we agree to first attempt to resolve it through good-faith informal discussions.

If we cannot resolve the dispute informally, then, except where prohibited by law:

• The dispute shall be resolved by binding arbitration in the state and county where Snapsay LLC has its principal place of business.
• Arbitration shall be administered by a recognized arbitration provider, and judgment on the award may be entered in any court of competent jurisdiction.

Each party will bear its own attorneys’ fees and costs unless the arbitrator awards otherwise or applicable law requires a different allocation.

You and we agree to bring any claims on an individual basis only, and not as a plaintiff or class member in any purported class, collective, or representative action.

15. Miscellaneous

• Headings are for convenience only and do not affect interpretation.
• If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
• Our failure to enforce any provision is not a waiver of that provision or any other provision.
• You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time.

16. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top.

Your continued use of the Sites or Products and Services after any changes constitutes your acceptance of the updated Terms.

17. How to Contact Us

If you have questions about these Terms, contact us at:

Email: help@theartofonlinebusiness.com

Mailing Address:
Snapsay LLC
11830 Via Salerno Way
Miromar Lakes, FL 33913
United States