TERMS OF USE
The Smart-Worker Studio
Effective Date: 2026-Feb-01
Welcome to The Smart-Worker Studio (“Company,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website, digital products, services, content, and related materials (collectively, the “Site”).
By accessing this Site or purchasing any product, you agree to be bound by these Terms, our Privacy Policy, and our Earnings Disclaimer.
If you do not agree, or if you are unsure, please do not access the Site or make a purchase.
1. BUSINESS INFORMATION
The Smart-Worker Studio is a digital education and information business based in Canada, serving users worldwide. Our content is based on professional experience and general workplace knowledge and is provided for informational and educational purposes only.
2. ELIGIBILITY
You must be at least 18 years old to access this Site or purchase any products. By using the Site, you confirm that you meet this requirement.
3. DIGITAL PRODUCTS & LICENSE
When you purchase a digital product from The Smart-Worker Studio, you are granted a limited, non-exclusive, non-transferable, revocable license to use the product for personal, non-commercial use only, unless otherwise stated.
You may not:
Share, resell, sublicense, distribute, or reproduce any product
Modify or create derivative works
Use content for commercial or training purposes without written permission
All content remains the intellectual property of The Smart-Worker Studio.
4. NO GUARANTEES / NO PROFESSIONAL ADVICE
We do not guarantee outcomes, success, income, promotions, employment, financial results, or career advancement.
Content provided:
Is based on experience and general best practices
Does not constitute legal, financial, medical, HR, or professional advice
Should not replace advice from qualified professionals
You are solely responsible for your decisions and actions.
5. EARNINGS DISCLAIMER
Any references to income, savings, promotions, career growth, or financial improvement are examples only and not guarantees. Results vary based on individual effort, experience, market conditions, and external factors beyond our control.
6. STRICT NO REFUND POLICY
Due to the digital nature of our products:
ALL SALES ARE FINAL. NO REFUNDS. NO EXCHANGES.
Once access is granted or content is delivered, it cannot be returned.
By purchasing on this page or any following pages, you explicitly agree to this no-refund policy.
If you do not agree or are unsure, do not purchase.
7. PAYMENT & ACCESS
You agree to provide accurate billing information and authorize us to charge your selected payment method. We reserve the right to suspend or terminate access if payment is reversed, disputed, or fraudulent.
8. USER CONDUCT
You agree not to:
Use the Site unlawfully
Interfere with site security or functionality
Attempt to gain unauthorized access
Harass, threaten, or misuse content or community spaces
We reserve the right to restrict or terminate access at our discretion.
9. LIMITATION OF LIABILITY
To the fullest extent permitted by law, The Smart-Worker Studio shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or products.
Your use of the Site is at your own risk.
10. INDEMNIFICATION
You agree to indemnify and hold harmless The Smart-Worker Studio from any claims, losses, damages, liabilities, or expenses arising from your violation of these Terms or misuse of our content.
11. THIRD-PARTY LINKS
We may reference third-party tools or resources. We are not responsible for their content, policies, or practices.
12. TERMINATION
We may terminate or restrict access to the Site or products at any time without notice if these Terms are violated.
13. GOVERNING LAW
These Terms are governed by the laws of Canada, without regard to conflict-of-law principles.
14. CHANGES TO TERMS
We may update these Terms at any time. Continued use of the Site constitutes acceptance of the updated Terms.
15. CONTACT
For questions regarding these Terms:
Email: freedom@chachingdaily.com