YBAWS! Newsletter Terms of Service

Effective Date: September 20, 2025
Last Updated: September 20, 2025

1. Acceptance of Terms - PLEASE READ CAREFULLY

SIMPLE EXPLANATION: By subscribing to YBAWS! Newsletter, you're agreeing to these terms.

KEY POINT: This newsletter is EDUCATIONAL ENTERTAINMENT ONLY - like reading a business book, watching Shark Tank, or listening to a business podcast. We're NOT your business advisors, consultants, lawyers, or accountants.

COMPARISON: Just like you wouldn't sue the author of a business book if their strategies didn't work for your company, the same applies here. We're providing business education and entertainment, not professional services.

By subscribing to, accessing, or using the YBAWS! Newsletter (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

The YBAWS! Newsletter is operated by [Your Corporation Name] ("we," "us," or "our"), a corporation incorporated under the laws of Ontario, Canada.

⚠️ YOU MUST FILL IN: Replace "[Your Corporation Name]" with your actual legal corporation name before using this document.

2. Description of Service

YBAWS! Newsletter is ENTERTAINMENT and EDUCATION ONLY

The YBAWS! Newsletter provides educational content and entertainment about business building, systematization, risk reduction, and exit strategy planning. This is NOT professional consulting, advisory services, or individualized business guidance.

What We Provide:

• Educational articles and business insights for learning purposes only

• Commentary and opinions about business trends for entertainment value

• General frameworks and strategies for educational discussion

• Case studies and examples for illustrative entertainment

• Community discussions for peer learning and entertainment

• Templates and worksheets as educational tools only

What This Is NOT:

• ❌ Professional business consulting or advisory services

• ❌ Personalized business advice for your specific situation

• ❌ Financial, legal, tax, or investment advice

• ❌ Professional services of any kind

• ❌ Recommendations tailored to your business

• ❌ Guaranteed business strategies or solutions

SUBSCRIPTION TIERS CLARIFICATION:

Free Subscribers: Access to basic educational entertainment content

Paid Subscribers: Access to ENHANCED EDUCATION AND ENTERTAINMENT ONLY including:

• More detailed educational content and case studies

• Additional templates and educational resources

• Community access for peer discussion and learning

• NOT coaching, advice, or decision-making guidance

• NOT personalized recommendations for your business

Founder Circle: Premium educational entertainment including:

• Exclusive educational content and advanced case studies

• Group educational discussions (not coaching sessions)

• NOT consulting, advisory services, or business coaching

• NOT individualized business guidance or recommendations

IMPORTANT CLARIFICATION ON COMMUNICATION STYLE:

Mentorship Language: Any use of terms like "mentor," "guidance," "advice," or similar language is:

• For supporting general business growth education and learning only

• For marketing and entertainment purposes only

• NOT intended to create any advisory or coaching relationship

• NOT meant to direct your specific business decisions

Expression vs. Advice: When we communicate using words typically associated with advice, coaching, or leadership:

• This language is purely conversational and educational

• These are expressions of our own experiences and opinions

• This is NOT intended as advice for your specific situation

• You understand this is entertainment and educational discussion only

• All business decisions remain entirely your responsibility

Your Responsibility: You will use this Service as:

• Access to educational information and entertainment only

• Source material for your own independent decision-making

• Educational content to discuss with your professional advisors

• Entertainment and learning, NOT as guidance for your business

THINK OF US LIKE: A business podcast, book, or magazine - we share interesting ideas and stories about business for your education and entertainment. Just like you wouldn't sue the authors of a business book if their ideas didn't work for you, the same applies here.

CRITICAL DISCLAIMER: By subscribing, you acknowledge that YBAWS! Newsletter is EDUCATIONAL ENTERTAINMENT ONLY and does not constitute professional advice of any kind. You understand that no professional relationship exists between us.

3. Subscription and Payment Terms

3.1 Subscription Tiers

We offer multiple subscription levels:

• Free Subscribers: Access to basic newsletter content

• Paid Subscribers: Access to premium content, templates, and community features

• Founder Circle: Access to exclusive content, group coaching, and direct communication

3.2 Payment Processing

All payments are processed through Substack's secure payment system. We do not directly collect or store your payment information.

3.3 Billing and Renewal

• Subscriptions automatically renew unless cancelled before renewal date

• You may cancel your subscription at any time through your Substack account settings

• Cancellation takes effect at the end of your current billing period (no immediate termination)

• No partial refunds for unused portions of subscription periods

3.4 Refund Policy

Due to the immediate access nature of digital content:

• Refunds are generally not provided once you've accessed premium content

• Exception: Technical issues preventing access may qualify for refunds at our discretion

• Refund requests must be submitted within 7 days of purchase

• All refund decisions are final and at our sole discretion

4. User Conduct and Community Guidelines

4.1 Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations

• Infringe on intellectual property rights

• Share login credentials or subscription access

• Distribute or republish our content without permission

• Engage in harassment, spam, or abusive behavior

• Post false, misleading, or defamatory content

4.2 Community Participation

When participating in comments, discussions, or community features:

• Be respectful to other subscribers and our team

• Stay on topic related to business building and exit strategy

• No self-promotion without explicit permission

• Respect confidentiality when sharing business information

• Constructive feedback only - no personal attacks or inflammatory content

4.3 User-Generated Content

By submitting content (comments, questions, testimonials, case studies):

• You grant us a non-exclusive, royalty-free license to use, display, and distribute your content

• You represent that you own or have rights to the content submitted

• You agree that we may edit or modify your submissions for clarity or length

• You understand that your submissions may be featured in our newsletter or other materials

5. Intellectual Property Rights

5.1 Our Content

All newsletter content, including but not limited to:

• Written articles and insights

• Templates and worksheets

• Case studies and examples

• Frameworks and methodologies

• Audio and video content

This content is protected by copyright and other intellectual property laws. You may:

• Use content for personal business purposes

• Reference our frameworks in your business (with attribution)

• Share brief excerpts with proper attribution

You may not:

• Republish entire articles or substantial portions

• Create derivative training materials for commercial sale

• Distribute our templates or worksheets to non-subscribers

• Remove copyright notices or attribution

5.2 Fair Use Guidelines

• Brief quotes (under 100 words) with proper attribution to YBAWS! Newsletter are permitted

• Social media sharing of our content with proper credit and link back is encouraged

• Internal business use of our frameworks and strategies is permitted for subscriber's own business only

• Commercial redistribution, resale, or training programs using our content requires written permission

• No removal of copyright notices or attribution marks

6. Privacy and Data Protection

6.1 Information Collection

We collect information you provide when:

• Subscribing to our newsletter

• Participating in community features

• Responding to surveys or feedback requests

• Contacting us with questions

6.2 Use of Information

We use your information to:

• Deliver newsletter content and updates

• Provide customer support

• Improve our content and services

• Comply with legal obligations

6.3 International Subscribers

We welcome international subscribers and comply with applicable privacy laws including GDPR for European subscribers. See our separate Privacy Policy for detailed information about data handling practices.

7. Third-Party Services

7.1 Substack Platform

Our newsletter is hosted on Substack's platform. Your use of Substack's features is also governed by Substack's Terms of Use and Privacy Policy.

7.2 External Services

We may reference or link to SaferWealth and other external services. We are not responsible for the terms, policies, or practices of third-party services.

8. DISCLAIMERS - READ THIS CAREFULLY

🚨 ENTERTAINMENT AND EDUCATION ONLY 🚨

SUPER IMPORTANT: YBAWS! Newsletter is like reading a business book, watching a business TV show, or listening to a business podcast. It's ENTERTAINMENT and EDUCATION ONLY.

Simple Analogy:

• If you read a business book and the strategies don't work for your company, you don't sue the author

• If you watch a business show on TV and try their ideas unsuccessfully, you don't sue the network

• If you listen to a business podcast and their advice doesn't apply to you, you don't sue the host

THE SAME APPLIES HERE. We're providing business entertainment and education, not professional services.

8.1 What We Are vs. What We're NOT

✅ WE ARE:

• Educational business content (like a book or magazine)

• Entertainment about business topics (like a TV show or podcast)

• General discussion of business strategies (like a university lecture)

• Sharing experiences and stories (like friends talking about business)

❌ WE ARE NOT:

• Your business consultant, advisor, or coach

• Your lawyer, accountant, or financial planner

• Responsible for your business decisions or outcomes

• Providing advice specific to your situation

• Creating any professional relationship with you

8.2 ZERO PROFESSIONAL RESPONSIBILITY

CRYSTAL CLEAR: By using this service, you understand:

NO PROFESSIONAL RELATIONSHIP:

• We are NOT your consultants, advisors, lawyers, or accountants

• You are NOT our client in any way

• No professional duties or obligations exist between us

• This is purely educational entertainment, like reading a magazine

NO GUARANTEES:

• We make ZERO PROMISES about business results

• We take ZERO RESPONSIBILITY for your business outcomes

• We provide ZERO GUARANTEES that our content applies to your situation

• Your business success or failure is 100% your responsibility

PROFESSIONAL ADVICE REQUIRED:

• You MUST consult real professionals (lawyers, accountants, consultants) for your business

• Our content is NOT a substitute for professional advice

• You CANNOT rely on our content for important business decisions

• Professional consultation is YOUR RESPONSIBILITY

8.3 COMPLETE LIABILITY PROTECTION

MAXIMUM PROTECTION UNDER LAW:

WE ARE NOT LIABLE FOR:

• ❌ Any business losses or failures

• ❌ Unsuccessful strategies or implementations

• ❌ Bad business decisions you make

• ❌ Money you lose or opportunities you miss

• ❌ Any damages, direct or indirect

• ❌ Legal problems arising from your business activities

MAXIMUM LIABILITY LIMIT:

• Paid subscribers: Maximum liability = what you paid us (subscription fee)

• Free subscribers: Maximum liability = $0 (zero dollars)

• That's it. Nothing more, ever, under any circumstances.

YOUR RESPONSIBILITY: You agree to protect us from any legal claims related to:

• Your use of our content

• Your business decisions

• Any problems that arise from your business activities

• Any third-party claims related to your actions

8.4 International and Canadian Law Compliance

GLOBAL PROTECTION:

• These protections apply under Canadian law

• These protections apply internationally to the maximum extent allowed

• If your local law doesn't allow some protections, the rest still apply

• We've structured this for maximum legal protection everywhere

8.5 ENTERTAINMENT COMPARISON

Think of popular business entertainment:

• Shark Tank: Entertaining business show, not personalized advice

• Business Books: Educational content, not consulting services

• Business Podcasts: Interesting discussions, not professional guidance

• Business Magazines: Industry insights, not individualized recommendations

YBAWS! Newsletter is the same: Educational business entertainment, not professional services.

Bottom Line: Enjoy our content, learn from it, be entertained by it, but don't treat it as professional advice for your specific situation. Get real professional help for important business decisions.

9. Account Termination

9.1 Your Right to Cancel

You may cancel your subscription at any time through your Substack account settings.

9.2 Our Right to Terminate

We reserve the right to terminate accounts that:

• Violate these Terms of Service

• Engage in abusive or harmful behavior

• Attempt to circumvent payment systems

• Misuse or redistribute our content

9.3 Effect of Termination

Upon termination:

• Access to premium content ends immediately

• Community participation privileges are revoked

• Previously delivered content may be retained for personal use only

• No refunds are provided for remaining subscription periods

10. Dispute Resolution

10.1 Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of law provisions.

10.2 Dispute Resolution Process

For any disputes:

1. Contact us first to attempt informal resolution

2. Mediation may be pursued for unresolved issues

3. Legal proceedings must be brought in Ontario, Canada courts

4. Class action waiver - disputes must be pursued individually

11. Changes to Terms

11.1 Modification Rights

We reserve the right to modify these Terms at any time. Changes will be:

• Posted with an updated "Last Updated" date

• Effective immediately upon posting

• Communicated through our newsletter when material changes occur

11.2 Continued Use

Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Contact Information

For questions about these Terms of Service, please contact us through:

• Substack messaging system on the YBAWS! Newsletter

• Comments on our newsletter posts

• Email through the contact information provided in our Substack profile

13. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding use of the Service.