Last Updated: June 24, 2025
1. Overview
These Terms of Service govern your access to and use of the BNCouraged Designs Agency website, platforms, and related services (collectively, the “Platform”). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.
You must be at least eighteen (18) years old to use the Platform. We reserve the right to suspend or terminate your access at any time, without notice, if you violate these Terms.
We may update or modify these Terms or Platform functionality at our discretion. Changes become effective immediately upon posting. Continued use of the Platform constitutes acceptance of any updates. Our Privacy Policy explains how personal information is collected and processed.
2. Services
BNCouraged Designs Agency provides branding, design, funnel building, marketing integrations, and related creative and digital services (the “Services”).
All Services are subject to the following conditions:
Modifications: We may add, remove, or modify features, tools, or integrations at any time.
As-Is Services: All Services are provided on an “as-is” and “as-available” basis unless otherwise stated in writing.
No Future Obligations: Any future enhancements, updates, or expansions are offered at our sole discretion and are not guaranteed.
3. Intellectual Property
All content available on the Platform, including but not limited to designs, templates, graphics, text, branding elements, visuals, software, and trademarks, is owned by BNCouraged Designs Agency or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, modify, or use any intellectual property without prior written consent.
4. License and Acceptable Use
We grant you a limited, non-exclusive, non-transferable license to access and use the Platform solely for lawful purposes.
You agree not to:
Violate any applicable laws or regulations
Infringe upon intellectual property or proprietary rights
Upload or transmit malicious, illegal, abusive, or harmful content
Interfere with, overload, disrupt, or compromise the Platform
Scrape, reverse engineer, or attempt to extract source code or data
Violations may result in immediate termination and potential legal action.
5. Client Responsibility
You and any clients you serve through our Services are solely responsible for:
Providing accurate, lawful, and properly licensed content
Complying with privacy, advertising, communication, and data protection laws
Ensuring all materials, data, and information supplied are legally obtained and authorized for use
6. Communications Compliance
If you use the Platform for email, SMS, or other communications, you are solely responsible for compliance with all applicable laws, including but not limited to TCPA, CAN-SPAM, GDPR, and similar regulations.
We provide tools only. You control message content, recipients, and delivery.
7. Payment and Refund Policy
Fees and Billing
All fees are due upfront or billed through an approved billing account. You authorize us to charge all applicable fees associated with your selected Services.
Failed Payments: We may suspend Service access and charge collection fees. You’re responsible for any legal or collection costs.
No Refund Policy
All sales are final.
Because our Services include digital products, educational programs, and access-based deliverables, refunds are not provided once access has been granted or any portion of the program or service has been attended.
Refunds are not issued due to:
Lack of understanding
Falling behind
Time constraints
Learning style mismatch
Personal circumstances
Dissatisfaction after participation
Or any other reason not listed
Access includes, but is not limited to login credentials, downloadable materials, recorded content, live sessions, or replays. Participation in any portion of the program constitutes full delivery of services.
No Guarantee Disclosure
All programs and Services are educational in nature. We make no guarantees regarding comprehension, mastery, income, results, or outcomes of any kind. Results vary and depend entirely on the participant.
Checkout Confirmation Requirement
Before completing a purchase, you must acknowledge that:
You understand the Service is educational
You understand results and comprehension are not guaranteed
You understand that access or attendance constitutes full delivery
You agree that all sales are final once access is granted
A required checkbox confirming acceptance of these terms must be selected before checkout.
Chargebacks and Payment Disputes
By completing your purchase, you agree not to initiate chargebacks or payment disputes for Services that have been accessed or attended. Any disputes must be resolved directly with BNCouraged Designs Agency
8. Project Scope and Revisions
Each project is governed by a written scope of work and timeline. Requests outside the agreed scope require written approval and may result in additional fees and timeline adjustments.
9. Deliverables and Licensing
Upon receipt of full payment, you are granted a commercial license to use the final approved deliverables.
BNCouraged Designs Agency retains ownership of drafts, concepts, and unused materials unless otherwise agreed in writing. Third-party assets remain subject to their original licenses.
10. Confidentiality
Both parties agree to maintain the confidentiality of proprietary or sensitive information shared during the course of the engagement. This obligation survives termination of Services.
11. Termination
We may suspend or terminate your access to the Platform for any violation of these Terms.
You may terminate Services by providing written notice at least thirty (30) days prior to your next billing cycle.
12. Disclaimers and Limitation of Liability
All Services are provided “as-is” without warranties of any kind. We are not liable for indirect, incidental, or consequential damages.
Our total liability shall not exceed the fees paid by you in the three (3) months preceding any claim.
13. Indemnification
You agree to defend, indemnify, and hold harmless BNCouraged Designs Agency from any claims, damages, losses, or expenses arising from your use of the Platform or Services, including violations by you or your clients.
14. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Illinois. Any disputes shall be resolved exclusively in the courts located in Cook County, Illinois.
15. Miscellaneous
Severability: If any provision is found unenforceable, the remaining provisions remain valid.
Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement.
Legal Notices: Notices must be sent to [email protected]
Contact Information
For questions or support, contact:
Email: [email protected]

Disclaimer: Results may vary. This program does not guarantee funding approval. All strategies are based on best practices and real-world experience. Always consult with a qualified financial or legal professional before making credit or business decisions.