Terms of Service

These terms are an agreement between you and EMPEERYAL LLC ("I", "me"), based in Bowling Green, Kentucky. They apply when you use empeeryal.com, create an account, subscribe to the newsletter or buy something here. By using the site you agree to them. If you do not agree, please do not use the site.

Two other pages are part of these terms: the privacy policy and the disclaimer.

1. Who can use the site

Anyone can read the public pages. You must be at least 18 years old to create an account or to buy anything.

2. Accounts

Give accurate details when you sign up and keep your password to yourself. An account is for one person and may not be shared. You are responsible for what happens under your account, so tell me promptly if you think someone else has used it. You can ask me to delete your account at any time.

3. Information, not advice

Everything published here, including posts, the newsletter and members-only notes, is general information and my personal opinion. None of it is financial, investment, tax, legal or other professional advice, and nothing here is a recommendation to buy or sell any security. What you do with it is your decision and your responsibility. The disclaimer explains this in full.

4. What belongs to whom

The writing, designs, code, images and branding on this site belong to EMPEERYAL LLC unless stated otherwise. You may read it, link to it and quote short passages with credit and a link back. Please do not republish, resell or redistribute it without my written permission.

Anything you send me, such as a message through the contact form, stays yours. You give me permission to use it to reply to you and to run the site.

5. Acceptable use

When you use the site, you agree not to:

• break the law or infringe anyone's rights;
• try to get into accounts, systems or content you are not entitled to, or test the site for weaknesses without my permission;
• copy the site in bulk with automated tools, or interfere with how it works for others;
• share, publish or resell members-only content or downloads;
• use the forms to send spam, or sign up someone else without their knowledge.

6. Newsletter

The newsletter is sent only to addresses that have been confirmed. Every issue has an unsubscribe link, and you can use it at any time.

7. Buying from this site

At the time of writing, nothing is for sale here. When a product, a service or a membership is offered, the following applies to it, together with anything stated on its own page.

Payment

Payments are processed by Stripe. Prices are in US dollars. If a tax applies, it is shown at checkout before you pay. Prices may change, but a change never affects something you have already paid for. You need an account to buy, so that you can reach your purchases afterwards.

Digital products

A digital product is delivered as a download from your dashboard right after payment. It is licensed for your own use, not for you to resell or give away. Because delivery is immediate, sales are final unless the file is faulty or not as described. In that case, email me and I will make it right.

Membership

A membership is a subscription. It renews automatically at the end of each billing period, at the price shown when you joined, until you cancel. You can cancel at any time from your dashboard. When you cancel, you keep access until the end of the period you have paid for, and you are not charged again. Payments for a period that has already started are not refunded, except where the law requires it. Members-only content is for your personal use.

Services

A service bought through the site is delivered within the scope and time described on its page when you bought it. Custom projects are covered by their own written agreement, which takes priority over these terms where the two differ.

8. Links and affiliates

The site links to other websites, and some of those links are affiliate links that may earn me a commission. I am not responsible for other websites, their products or their terms. Your dealings with them are between you and them.

9. Suspending or ending access

I may suspend or close an account that breaks these terms or is used to abuse the site or other people. I may also change or stop any part of the site at any time.

10. No warranties

The site and everything on it are provided "as is" and "as available". To the fullest extent the law allows, I make no warranties of any kind, express or implied, including that the content is accurate, complete or current, that it is fit for a particular purpose, or that the site will be available without interruption or error.

11. Limit of liability

To the fullest extent the law allows, EMPEERYAL LLC and its owner are not liable for any indirect, incidental, special or consequential losses, or for any trading or investment losses, lost profits or lost data, that arise from your use of the site or its content. Total liability for any claim connected with the site is limited to the amount you paid me in the twelve months before the claim arose, or 100 US dollars if that is greater.

Some places do not allow some of these limits. Where that is so, they apply only as far as the law permits, and nothing in these terms takes away rights you have as a consumer that cannot be waived.

12. If your use causes a claim

If someone brings a claim against EMPEERYAL LLC because you broke these terms or the law while using the site, you agree to cover the reasonable costs and losses that result.

13. Governing law

These terms are governed by the laws of the Commonwealth of Kentucky, without regard to its conflict-of-law rules. Any dispute that we cannot settle between us will be brought in the state or federal courts that serve Warren County, Kentucky, and you and I both accept the authority of those courts. If you are a consumer living outside the United States, you keep any protections that the law of your own country gives you and that cannot be waived.

14. General

If a court finds part of these terms unenforceable, the rest still applies. If I do not enforce a term on one occasion, I can still enforce it later. These terms, with the two pages named at the top, are the whole agreement between us about the site.

15. Changes to these terms

I may update these terms. The date at the top of the page shows the latest version. If a change matters to people with an account or a membership, I will email them before it takes effect. Using the site after a change means you accept the new terms.

16. Contact

Questions about these terms: