TERMS of USE

By Design — Sole Proprietorship

Effective Date: [Insert Date]

1. Acceptance of Terms

By accessing our website or purchasing our products or services, you agree to these Terms.

2. Business Structure

By Design is a sole proprietorship owned by Belinda Crouse.

3. Eligibility

You must be:

18 years or older

An English‑speaking user

4. Intellectual Property

All content is owned by By Design and protected by copyright law.

You may not:

Copy or distribute paid content

Share login access

Resell or republish materials

Claim content as your own

You receive a personal, non‑transferable license.

5. Payments

Payments are processed through Stripe

You agree to provide accurate payment information

You authorize charges for purchases made

6. Refund Policy

All sales are final.

No refunds, no cancellations, no exceptions.

7. Coaching Scope

We provide coaching for:

Interpersonal improvement

Career and personal advancement

Basic writing and creative presentations

We do not provide:

Therapy

Legal advice

Medical advice

Financial or investment advice

Marital or abuse counseling

Crisis support

8. No Guarantees

We do not guarantee:

Promotions

Pay raises

Employment outcomes

Personal transformation

Business or income results

9. User Conduct

You agree not to:

Harass or harm others

Use the site for illegal purposes

Upload malicious code

Interfere with website functionality

10. Third‑Party Tools

We use tools such as:

Stripe

Go High Level

Automator

ManyChat

Facebook advertising tools

We are not responsible for their policies or performance.

11. Limitation of Liability

By Design and Belinda Crouse are not liable for damages arising from your use of the website or services.

12. Indemnification

You agree to indemnify and hold harmless By Design and Belinda Crouse from any claims arising from your use of the website or services.

13. Governing Law

These Terms are governed by the laws of South Dakota, USA.

14. Dispute Resolution

Disputes shall be resolved in the courts serving Codington County, South Dakota.

15. Termination

We may terminate access at any time for violations of these Terms.

16. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement.

WEBSITE DISCLAIMER

1. Educational Purpose Only

All content provided by By Design is for educational and informational purposes only.

2. No Professional Advice

We do not provide:

Therapy

Legal advice

Medical advice

Financial or investment advice

Crisis counseling

Marital or abuse support

3. No Guarantees

We do not guarantee:

Promotions

Pay raises

Employment outcomes

Personal transformation

Business or income results

4. Personal Responsibility

You are responsible for your decisions, actions, and outcomes.

5. Testimonials

Testimonials reflect individual experiences and do not guarantee results.

6. External Links

We are not responsible for third‑party websites or tools.

COOKIE POLICY

1. What Cookies Are

Cookies are small files stored on your device to improve website functionality and performance.

2. How We Use Cookies

We may use cookies for:

Basic site functionality

Session management

Platform analytics

Advertising (e.g., Facebook Pixel, if implemented)

3. Types of Cookies

Necessary

Functional

Analytics

Advertising

4. Cookie Consent

We recommend:

A cookie banner

A link to this Cookie Policy

Options to accept or decline non‑essential cookies

5. Managing Cookies

You may disable cookies in your browser settings.

REFUND & CANCELLATION POLICY

1. Digital Products

All digital product sales are final.

2. Coaching Services

All coaching purchases are final.

No refunds for:

Missed sessions

Lack of implementation

Dissatisfaction with results

3. No Chargebacks

You agree not to initiate chargebacks.

AFFILIATE DISCLOSURE

We may earn commissions from affiliate links, including coaching, chatbot, and automation software.

We only recommend tools we believe in, but you should always do your own research.

FACEBOOK GROUP & COMMUNITY GUIDELINES

1. Purpose

A supportive space for:

Personal and career development

Communication skills

Creative presentation skills

2. Allowed

Promotion (within reasonable limits)

Questions

Wins

Encouragement

3. Not Allowed

Hate speech

Harassment

Spam

Illegal content

Requests for therapy, legal, medical, financial, marital, or crisis advice

4. Moderation Rights

We may remove posts or members at our discretion.