Terms of Purchase

Please read these Terms of Purchase ("Terms") carefully before completing your purchase of any course, product, program, or service ("Product") from Harzel, Inc. trading as Stock Market College (the "Company", "we", "us", "our").

The Product(s) may include live or recorded course access; live group coaching calls via video conferencing software; course content and materials; guides, resources, checklists available for viewing or download; and other educational information and materials (collectively, the "Content"). Access to the Content is provided through websites or platforms owned, licensed, or operated by the Company, including but not limited to Kajabi, community platforms, or similar online systems (the "Site").

By purchasing, accessing, or using any Product(s), you agree to be bound by these Terms, together with our Website Terms & Conditions, Privacy Policy, and Disclaimers (collectively, the "Agreement"). If you do not agree to these Terms, do not complete your purchase.

In the event of any conflict between these Terms and any other policy, these Terms shall prevail.

You must be 18 years of age or older to purchase any Product from the Company.

Payment Options

1. Once-Off Payment Option

In consideration for access to the Product(s), you agree to pay the full purchase price (including all applicable taxes and fees) as displayed at checkout.

You authorise the Company to charge your provided payment method via Stripe. You represent and warrant that:

• You are legally authorised to use the selected payment method; and
• All payment information provided is true, accurate, and complete.

The Company reserves the right to refuse or cancel any order at its discretion, including where fraud, unauthorised use, pricing errors, or product availability issues are suspected.

All payments are final except as expressly provided under the Refund Policy.

2. Monthly Payment Plan Option

The Company may offer a monthly payment plan for certain Product(s).

By selecting this option, you agree to pay the full purchase price in recurring monthly instalments as displayed at checkout. Payments are processed automatically via Stripe using the payment method you provide.

Kajabi Drip Content Delivery

• Course materials are delivered via Kajabi on a drip-content basis
• Access to Content is released progressively in line with the payment schedule
• Continued access is conditional upon successful and timely payments

The Company reserves the right to pause, restrict, or revoke access if any payment fails, is reversed, or is disputed.

Payment Obligations

By selecting the payment plan, you acknowledge:

• This is not a subscription
• This is a binding instalment agreement for a fixed-price Product
• You remain responsible for all remaining instalments, regardless of usage or participation

Failure to complete payments may result in immediate access termination and collection efforts to the extent permitted by law.

No Early Termination

Once the refund period has expired, the payment plan cannot be cancelled or terminated early.

All payments are final except as expressly provided under the Refund Policy.

Refund Policy

If you believe a Product is not suitable, you may request a refund by emailing creditcontrol@stockmarketcollege.com within 7 calendar days of purchase.

Approved refunds will be processed via Stripe to the original payment method. The Company does not control processing times.

If you purchase via a monthly payment plan and do not request a refund within the refund window, you are legally obligated to complete all remaining instalments.

No refunds will be issued after the refund deadline under any circumstances.

Upon requesting or receiving a refund:

• Your license to use the Product(s) is immediately revoked
• You must cease using and permanently delete all Content

Refunds will not be issued to users who initiate chargebacks instead of following this refund process.

Chargebacks, Payment Disputes & Fraud Prevention

You agree not to initiate chargebacks, payment disputes, or payment reversals without first contacting support@stockmarketcollege.com and allowing a reasonable opportunity to resolve the matter.

Digital Delivery Acknowledgement

You acknowledge that:

• The Product(s) are digital educational products
• Access constitutes full delivery
• Progressive or drip delivery constitutes valid delivery

Once access is granted, you waive any right to dispute charges on grounds of non-delivery.

Chargeback Abuse

Initiating a chargeback without following the Refund Policy constitutes a material breach of these Terms.

In such cases, the Company may:

• Immediately revoke access
• Terminate all licenses
• Continue collection of outstanding balances

The Company may submit access logs, delivery records, and these Terms to payment processors.

Administrative Fees

You agree to reimburse the Company for any chargeback-related fees incurred, where permitted by law.

Fraudulent Activity

Suspected fraud may be reported to payment processors, financial institutions, and authorities.

Disclaimer

1. Not Professional Advice

The Product(s) are for educational purposes only and do not constitute financial, legal, medical, or professional advice.

2. No Professional-Client Relationship

Your purchase does not create a professional-client relationship.

3. Personal Responsibility

You accept full responsibility for your actions and results.

Confidentiality

You agree not to share proprietary or confidential Content or other users' information without written consent.

User Submissions & Recordings

You grant the Company a non-revocable, royalty-free commercial license to use submitted materials and recordings of live sessions.

Intellectual Property

All Content, branding, materials, and systems are owned by the Company or licensors. No ownership rights are transferred. Any unauthorised use results in immediate termination without refund.

Equitable Relief

The Company is entitled to injunctive relief in the event of IP or confidentiality breaches.

Limitation of Liability

To the fullest extent permitted by law, the Company's liability is limited to the amount paid for the Product.

No Warranties

All Product(s) are provided "AS IS" without warranties of any kind.

Non-Disparagement

Disparaging the Company may result in access termination and legal action.

Indemnification

You agree to indemnify and hold the Company harmless from all claims arising from your use or breach.

Force Majeure

The Company is not liable for delays or failures caused by events beyond its reasonable control.

Changes to Terms

The Company may modify these Terms at any time. Continued use constitutes acceptance.

Severability

Invalid provisions will be enforced to the fullest extent possible; remaining Terms remain in effect.

Entire Agreement

These Terms constitute the entire agreement between you and the Company.

Alternative Dispute Resolution

You agree to attempt mediation before filing any legal action.

Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Delaware, with exclusive jurisdiction in Delaware courts.

Company Information

Harzel, Inc. t/a Stock Market College
651 N Broad St, Suite 201
Middletown, DE 19709
United States

Contact

For questions, contact:
📧 support@stockmarketcollege.com