These Terms of Service govern your access to smartplanly.com and your use of digital products supplied under the SmartPlanly brand, operated by sole proprietor Oleksii Ryzhkov. By using the website or purchasing a product, you agree to these terms.
Website content
Articles, analyses and templates are provided for general educational, training and informational purposes. They may contain errors, omissions or information that becomes outdated. They do not constitute legal, tax, investment, financial, medical or other professional advice. You remain responsible for checking information and deciding whether it is suitable for your circumstances.
Digital products and delivery
Products are supplied as digital files in the formats shown on the relevant product page. After successful payment, access is provided through the delivery method presented during checkout or in the order confirmation. You are responsible for providing a valid email address and maintaining a device and compatible software that can open the files.
License
Unless a product page states otherwise, a purchase grants one customer a limited, non-exclusive, non-transferable license to download, edit and use the files for personal, educational or internal business purposes.
You may not sell, resell, sublicense, rent, redistribute, publish, upload to a public gallery or repository, or otherwise make a product or substantially similar copy available to third parties. You may not remove rights notices or present our content as your own product for resale.
Customization and updates
Digital products are supplied as described on the product page. Suggestions are welcome, but a purchase does not include custom development, consulting or a promise of future modifications unless expressly stated in writing.
Prices and payments
Prices are displayed in the stated currency and may change at any time. A new price applies to future purchases and does not change a completed order. Taxes or payment charges may be applied when required and will be shown by the checkout provider.
Refunds
Digital products are governed by our Refund Policy, which forms part of these terms.
Intellectual property and third-party rights
The website design, original text, databases, templates and other materials are owned by us or used under license. Company names, trademarks, logos and other third-party intellectual property referenced in educational analysis remain the property of their respective owners. A reference does not imply affiliation, sponsorship, endorsement or partnership.
Acceptable use
You may not interfere with the website, bypass access controls, introduce malicious code, scrape the service in a way that disrupts it, use the content unlawfully, or attempt to gain unauthorized access to systems or data.
Third-party services
The website may use or link to third-party services. We are not responsible for their availability, content or independent terms. Your use of those services may be governed by additional agreements.
Disclaimer and limitation of liability
The website and digital products are provided on an “as is” and “as available” basis to the extent permitted by law. We do not guarantee a particular commercial, academic or strategic outcome. To the extent permitted by law, we are not liable for indirect, incidental, special or consequential loss, including lost profit, lost opportunity, interruption or decisions made in reliance on the content.
Users under 18
We do not knowingly sell digital products directly to minors. A person under 18 may use the site only with a parent or legal guardian.
Changes and governing terms
We may update these terms for future use of the service. The current version will be posted here. These terms are governed by the law applicable to the operator, and disputes are subject to courts that have jurisdiction, except where mandatory consumer law provides otherwise.
Contact
Questions about these terms can be sent to support@smartplanly.com.