Terms, Refunds, Privacy & Disclaimers

These Terms and Conditions (the “Terms”) govern your use of this website and any products or services offered through it.

By accessing or using this site, you agree to be bound by these Terms. If you do not agree, please do not use the site or purchase our products.

For purposes of these Terms, “Company,” “we,” “us,” and “our” refer to AssetWise Institute, the brand under which we provide educational content, digital templates, spreadsheets, tools, and online courses through this website.

1. Who We Serve & Eligibility

This site and its products are intended for individuals who are:

At least 18 years old; and
Using the site for educational purposes.

By using this site, you represent that you meet these requirements and have the authority to agree to these Terms on behalf of yourself or your business entity.

2. Educational Content Only – Not Tax, Legal, or Investment Advice

All content, templates, spreadsheets, courses, emails, blog posts, videos, and other materials provided by AssetWise Institute are for educational and informational purposes only.

Nothing on this site or in our products:

Constitutes tax, legal, accounting, or investment advice;
Creates a CPA–client, tax-preparer–client, attorney–client, or other professional advisory relationship; or
Is a substitute for personalized advice from a qualified professional who understands your specific situation.

You are solely responsible for consulting with your own tax advisor, CPA, attorney, or financial professional before making decisions or filing any tax returns.

3. No Professional–Client Relationship

Your purchase, download, or use of any AssetWise Institute product does not make you a client of AssetWise Institute, of any CPA, or of any tax or accounting firm.

A professional relationship with any firm or practitioner exists only if you:

Enter into a separate written engagement agreement with that firm; and
That firm expressly agrees in writing to act as your advisor or preparer.

Use of this site and our products alone does not create such a relationship.

4. Products, Access & License

We offer a variety of digital products, including but not limited to:

Spreadsheets, calculators, and trackers;
Checklists, planners, and worksheets;
PDF guides, templates, and workbooks;
Online courses and trainings (live or pre-recorded).

Unless otherwise stated in writing:

All products are delivered digitally (no physical items).
You receive a personal, non-exclusive, non-transferable license to use the materials for your own business or investing activities.
You may not share, resell, redistribute, or publish our products, whether free or paid, without our prior written permission.

You are responsible for maintaining your own back-ups of downloaded files.

5. Payments, Taxes & Refund Policy

5.1 Payments & Taxes

Prices are listed in U.S. dollars unless otherwise stated. You agree to:

Provide accurate billing information;
Authorize us or our payment processor to charge your chosen payment method; and
Pay any applicable sales, use, VAT, or other taxes that may apply.

5.2 Refund Policy – Website Purchases

Because our products are digital and access is granted immediately, we generally offer a 30-day money-back guarantee on most products purchased directly from this website, unless clearly stated otherwise on the specific sales page.

To request a refund within 30 days of purchase:

Fill out the Contact Us form with your order details;
Tell us which product you purchased and why it did not meet your needs, so we can improve.

We reserve the right to:

Deny refunds in cases of suspected abuse or repeated refund requests;
Deny refunds for products where the sales page clearly states “no refunds” or “all sales final.”

5.3 Third-Party Marketplaces (e.g., Etsy)

Some products may be sold through third-party platforms such as Etsy or other marketplaces.

For those purchases, the platform’s own refund and payment policies apply.
We cannot override or modify refunds processed through a third-party site.
Please refer to that platform’s terms for details.

6. Earnings & Testimonials Disclaimer

We share real stories, case studies, and testimonials from customers and clients to illustrate how our tools and strategies can be used in practice. These results are not typical and are not guarantees of what you will achieve.

Your results will depend on many factors, including:

Your background and prior experience;
The accuracy and completeness of your own records;
How much effort, time, and consistency you apply;
Market conditions and changes in tax law;
Your willingness to seek professional advice when needed.

We do not promise or guarantee:

Any specific tax savings;
Any particular investment or business outcome; or
Any specific level of income, profit, or success.

All business and investing involve risk, and you may lose money. If you are not willing to accept this risk, you should not use our products or trainings.

7. User Responsibilities

By using this site and our products, you agree that you will:

Use the materials lawfully and ethically;
Verify all numbers, formulas, and assumptions before relying on them for filings or financial decisions;
Keep your login credentials and purchased files secure and private;
Not copy, resell, or distribute our content without permission;
Not attempt to reverse engineer, scrape, or misuse the site or its code.

You remain solely responsible for your own tax returns, filings, and financial decisions.

8. Intellectual Property

All content on this site, including text, graphics, logos, icons, videos, course materials, templates, spreadsheets, and related assets, is owned by or licensed to AssetWise Institute and is protected by copyright, trademark, and other intellectual property laws.

You may:

View content for your personal or internal business use;
Download and use purchased files according to the license granted.

You may not:

Claim our content as your own;
Repackage, resell, or share our products with others;
Use our content to create competing templates, courses, or tools based substantially on our materials.

If you wish to license our materials for commercial or team use, please contact us.

9. Third-Party Tools, Links & Affiliates

This site may include:

Links to third-party websites or resources;
References to software tools, custodians, property platforms, or service providers;
Affiliate links, where we may earn a small commission at no additional cost to you.

We do not control, endorse, or guarantee any third-party sites, services, or tools. You are responsible for reviewing their terms and policies before using them.

We are not liable for any issues that arise from your use of third-party products or services.

10. Privacy Summary

We respect your privacy. When you visit our site, join our email list, or purchase products, we may collect information such as:

Your name and email address;
Billing information for purchases (processed securely via third-party processors);
Basic usage data such as pages visited, time on site, and referring URLs.

We use this information to:

Deliver purchased products;
Provide customer support;
Send educational emails, product updates, and marketing messages (you may unsubscribe at any time);
Improve our content, offers, and site performance.

We do not sell your personal information. We may share limited data with trusted service providers (e.g., email marketing platforms, payment processors) solely to help us operate the site and deliver our services, under appropriate privacy safeguards.

For full privacy details (including cookies, email tracking, and data rights), please review the Privacy Policy section on this page with your legal counsel.

11. Relationship to Other Firms

AssetWise Institute is an educational brand that provides digital templates, spreadsheets, courses, and related training resources through this website.

From time to time, you may see references to Small Business Accounting Inc. or other tax and accounting firms. These entities are legally separate from AssetWise Institute and operate under their own business structures, engagement terms, and professional standards.

Any tax preparation, accounting, bookkeeping, or advisory services are provided only under a separate written engagement with Small Business Accounting Inc. or another firm, not through this website.
Your purchase or use of any AssetWise Institute product does not create a CPA–client, tax-preparer–client, or advisory relationship with Small Business Accounting Inc. or any other firm.
AssetWise Institute is not responsible for any acts, omissions, advice, filings, or outcomes arising from services performed by Small Business Accounting Inc. or any other third party.
Likewise, Small Business Accounting Inc. is not responsible for your use of AssetWise Institute’s templates, tools, or courses, which you use at your own discretion and in consultation with your own professional advisors.

If you choose to work with Small Business Accounting Inc. or any other firm, your relationship with that firm is governed solely by the separate engagement agreement you sign with them and their own terms and policies.

12. Limitation of Liability

To the fullest extent permitted by law:

The site and all products are provided “as is” and “as available”, without warranties of any kind, express or implied.
We do not warrant that the site or products will be error-free, uninterrupted, or free from defects.
In no event shall AssetWise Institute, its owners, members, employees, contractors, or affiliates be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the site or products.

If we are found liable to you for any reason, our total liability shall not exceed the amount you actually paid to us for the product(s) giving rise to the claim.

Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you. In that case, the limitation will apply to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless AssetWise Institute and its owners, members, employees, contractors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of this site or our products;
Your violation of these Terms; or
Your infringement of any third-party rights.

14. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of our home state, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms, our products, or your use of this site shall be resolved first through good-faith negotiation. If we are unable to resolve the dispute informally, the matter shall be submitted to binding arbitration or to the courts of our home state, as determined appropriate by your attorney when finalizing this clause.

You agree to the exclusive jurisdiction and venue of those forums.

15. Changes to These Terms

We may update or modify these Terms at any time. When we do, we will update the “Last updated” date at the top of this page.

Your continued use of the site or products after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

16. Contact Information

If you have questions about these Terms, refunds, or our policies, you may contact us at:

AssetWise Institute
Website: https://assetwiseinstitute.com

Important Notice

This document is provided as a general educational template only and does not constitute legal advice. Laws and regulations vary by jurisdiction and change over time. You should consult with a qualified attorney licensed in your state to review, customize, and approve this policy before relying on it for your business.