TERMS OF SERVICE

Effective Date: 9 November 2026

1. About These Terms

These Terms of Service ("Terms") govern your access to and use of the Do Not Monetize Me website and educational content (the "Service").

The Service is owned and operated by Aleksandr Balin, trading as Do Not Monetize Me, a sole trader based in Scotland, United Kingdom ("we", "us", or "our").

Business address: 6 McEwan Walk, Edinburgh, EH3 8FT, United Kingdom
Contact: legal@donotmonetize.me

By creating an account, purchasing access, or using the Service, you agree to these Terms.

If you do not agree to these Terms, you must not use the Service.

2. Eligibility and Availability

You must be at least 18 years old to use the Service.

The Service is intended for individual consumers. Corporate and team access plans are not currently offered.

The Service is available internationally, subject to applicable laws, sanctions, export restrictions, payment-provider availability, and restrictions imposed by Stripe or other relevant providers.

We may restrict access from countries, territories, or persons where providing the Service would violate applicable UK sanctions or other applicable laws.

3. The Service

Do Not Monetize Me is an online educational product about consumer psychology, marketing techniques, persuasion, and mechanisms that influence purchasing decisions.

The course currently includes six chapters and 34 lessons, presented through text, images, and interactive exercises.

The Service is delivered exclusively through our website. No mobile application is currently offered.

The course is educational in nature. It does not constitute legal, financial, psychological, or other professional advice. We do not guarantee any particular educational, financial, professional, or behavioral outcome.

4. Accounts

You may create an account using email and password, Google sign-in, or Apple sign-in.

You are responsible for maintaining the confidentiality of your account credentials and for activity carried out through your account.

You must not share, sell, transfer, sublicense, or otherwise provide access to your account to another person.

You may maintain multiple accounts using different email addresses. We do not currently offer automatic account merging between email, Google, and Apple sign-in methods.

You may update your account email address and password through the account settings, subject to any verification requirements. You may also request a password reset by email.

You must provide accurate account information and keep it reasonably up to date.

5. Access Plans and Pricing

All prices are stated in US dollars (USD). Stripe may offer local currency pricing at checkout. The currency and total amount displayed at checkout will apply to your purchase.

Applicable VAT, sales tax, or other transaction taxes are added at checkout where required.

The current access options are:

| Plan | Price | Access period | |---|---:|---| | Introductory | $9 | 24 hours | | 7-Day Access | $79 | 7 days | | 28-Day Access | $89 | 28 days | | 28-Day Subscription | $7.99 per 28 days | Recurring |

Access begins immediately after successful payment.

The access periods are exact durations:

• Introductory: 24 hours.
• 7-Day Access: 168 hours.
• 28-Day Access: 672 hours.

The relevant period starts when access is activated.

We may change prices for future purchases. For an existing recurring subscription, we will provide at least 30 days' notice of a price change and obtain any consent required by applicable law before charging the new price. You may cancel before the new price takes effect.

6. Introductory Access and Upgrade Discount

The Introductory plan provides access to one chapter containing five lessons for 24 hours.

While your Introductory access remains active, you may upgrade to 7-Day Access or 28-Day Access.

If you upgrade during the active Introductory period, the full $9 Introductory purchase price is deducted from the price of the selected plan:

• 7-Day Access: $70 before applicable taxes.
• 28-Day Access: $80 before applicable taxes.

The upgrade replaces the Introductory plan. The new access period starts immediately after successful payment.

The upgrade discount expires when the Introductory period ends. It has no cash value and cannot be transferred.

7. Additional Access Periods

You may purchase additional 7-Day or 28-Day access periods while your current access remains active.

Each additional period begins after the expiration of all previously purchased access periods. Purchased periods are applied sequentially and do not overlap.

You may purchase multiple additional access periods.

8. Recurring Subscription

The 28-Day Subscription costs $7.99 per billing period and renews automatically every 28 days until cancelled or terminated.

The subscription is available inside the Service to eligible users, excluding users who only have an active Introductory plan.

If you purchase the subscription while you have active or prepaid manual access periods, the subscription begins after all those periods have expired. Your first subscription payment is charged when the subscription becomes active.

If you have no remaining prepaid access, the subscription begins and the first payment is charged immediately.

After activation, the subscription renews every 28 days.

Failed Payments

If a scheduled subscription payment fails, a three-day grace period begins.

During the grace period:

• Access remains available.
• Stripe may retry the payment.

If payment succeeds during the grace period, the original billing schedule remains unchanged.

If payment remains unsuccessful after the three-day grace period:

• Access is suspended.
• Further payment retries stop.
• The subscription is terminated.

You may subscribe again at any time.

Cancellation

You may cancel your subscription through your account settings or the Stripe interface made available to you.

Cancellation stops future automatic renewals. Your access remains available until the end of the current paid 28-day period, unless your account is deleted or another provision of these Terms applies.

Cancellation does not automatically entitle you to a refund for the current paid period. Your statutory rights and the Refund Policy continue to apply.

9. Payments and Stripe Managed Payments

Payments are processed through Stripe Managed Payments.

For transactions processed through Stripe Managed Payments, Stripe's Managed Payments entity acts as Merchant of Record and provides checkout, payment processing, receipts, post-sale transaction support, dispute handling, and applicable indirect tax services within the scope of its service.

Aleksandr Balin, trading as Do Not Monetize Me, remains the Seller and owner of the educational product and its content. Stripe's role as Merchant of Record does not transfer ownership of the course content to Stripe.

The exact tax responsibilities of Stripe and the Seller depend on the jurisdiction and transaction. Any applicable taxes not handled by Stripe remain the Seller's responsibility.

Stripe may issue refunds or take other actions under its own terms and policies. Those terms may apply even where this Service's voluntary refund policy is more restrictive.

You may also be subject to Stripe's customer terms and privacy notice when using its checkout or payment services.

10. Refunds

Our voluntary refund guarantee and refund procedures are described in the separate Refund Policy.

Nothing in these Terms limits any mandatory statutory rights or remedies available to you under applicable consumer law.

11. Intellectual Property

All course content and materials, including text, lesson structure, images, graphics, design, exercises, and other educational materials, are owned by Aleksandr Balin, trading as Do Not Monetize Me, or used under rights held by us.

When you purchase access, you receive a limited, personal, non-exclusive, non-transferable, and non-sublicensable licence to access and use the course materials for your own private, non-commercial educational purposes during the applicable access period.

The licence ends when your access expires or your account is terminated.

You may take screenshots of course materials for your own private, personal reference. You must not publish, distribute, sell, or commercially exploit those screenshots.

Except for the personal screenshot permission above, you must not:

• Copy, reproduce, or distribute course materials.
• Publish or share lessons or parts of lessons.
• Sell, sublicense, or commercially exploit course content.
• Create derivative products based on course materials.
• Share account credentials or provide access to another person.
• Circumvent technical restrictions or access controls.

Any use outside the licence granted by these Terms requires our prior written permission.

12. Third-Party Links

The Service may contain links to third-party websites, research, articles, and external resources.

Those websites and resources are operated independently. We do not control their content, availability, security, or privacy practices.

You access third-party resources at your own risk and should review their applicable terms and privacy policies.

13. Changes to the Course

We may update, modify, replace, or remove lessons and other course materials, including without prior notice.

We do not promise that the course content will remain unchanged.

Nothing in this section limits any statutory rights you may have if the digital content fails to conform to the contract or applicable law.

If we permanently discontinue the Service, we will cancel active recurring subscriptions and provide a proportionate refund for unused prepaid access, subject to applicable law.

14. Suspension and Termination

We may suspend or terminate your account if we reasonably believe that you have:

• Shared or transferred your account.
• Copied or distributed course materials without permission.
• Used the content commercially without authorization.
• Circumvented technical access restrictions.
• Engaged in fraud or unlawful activity.
• Violated these Terms or applicable law.

Where reasonably practicable, we will provide notice of suspension or termination. We may act immediately where necessary to protect the Service, other users, our rights, or comply with law.

You may delete your account through the account settings.

Account deletion takes effect after your confirmation. It automatically cancels any active recurring subscription, stops future subscription charges, and immediately ends access to the account and course.

Deleting your account does not create an automatic right to a refund for unused access time. Mandatory statutory rights remain unaffected.

15. Availability and Technical Issues

We aim to keep the Service available, but we do not guarantee uninterrupted or error-free operation.

Access may be temporarily unavailable due to maintenance, technical issues, third-party service failures, or circumstances outside our reasonable control.

Nothing in this section limits rights or remedies that cannot legally be excluded.

16. Limitation of Liability

To the maximum extent permitted by applicable law, we are not liable for indirect or consequential losses, loss of profits, loss of business opportunities, or losses arising from reliance on educational information or third-party resources.

We do not exclude or limit liability where doing so would be unlawful, including liability for fraud, fraudulent misrepresentation, or any other liability that cannot legally be excluded or limited.

Nothing in these Terms excludes or restricts your mandatory consumer rights, including statutory rights relating to the quality, fitness, and description of digital content.

17. Privacy

Our collection and use of personal data are described in our Privacy Policy.

Our use of cookies and similar technologies is described in our Cookie Policy or the cookie information within our Privacy Policy.

18. Changes to These Terms

We may update these Terms from time to time.

The updated version will be published on the website with a revised Effective Date. Where required by law, we will provide notice and obtain consent before applying material changes to existing subscriptions or purchases.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of Scotland.

The courts of Scotland will have jurisdiction over disputes arising from these Terms, subject to any mandatory consumer rights that allow you to bring proceedings in another jurisdiction or rely on the laws of your country of residence.

20. Contact

For questions about these Terms, the Service, payments, or refunds, contact:

Aleksandr Balin trading as Do Not Monetize Me
6 McEwan Walk
Edinburgh, EH3 8FT
United Kingdom

Email: legal@donotmonetize.me