Terms of Use and Sale

1. Seller and website operator

The website and digital product are offered by DJW Publishing. Questions about these terms may be sent to john@djwpublishing.net.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to purchase the digital book or use any transaction-related feature of the website.

3. Product description and availability

Overcoming Credit Roadblocks is offered as a digital PDF edition. DJW Publishing seeks to describe the product accurately, but minor differences in display, formatting, or appearance may result from the device, software, or screen used to view it. Product availability, price, and promotional terms may change before a purchase is completed.

4. Orders, payment, and delivery

Purchases are completed through Payhip and its payment-processing partners. The price and any applicable charges displayed at checkout control the transaction. You agree to provide accurate and authorized payment and contact information.

After successful payment, the digital product is normally made available through the delivery process provided by Payhip. Access may be delayed by payment review, technical problems, incorrect contact information, or circumstances outside DJW Publishing’s reasonable control. If delivery fails, contact john@djwpublishing.net with sufficient order information to investigate the problem.

5. Personal-use license

After a valid purchase, DJW Publishing grants you a limited, nonexclusive, nontransferable license to download, store, and read one copy of the digital book for your personal use. The purchase transfers a license to use the digital content. It does not transfer copyright or ownership of the book or its contents.

You may not reproduce, upload, distribute, share, sell, sublicense, publish, modify, create derivative works from, or make the digital book available to another person or organization without prior written permission from DJW Publishing, except to the extent expressly permitted by applicable law.

6. Intellectual property

The book, website text, graphics, logos, photographs, videos, design elements, and other original materials are owned by or licensed to DJW Publishing and are protected by applicable copyright, trademark, and other intellectual-property laws. DJW Publishing reserves all rights not expressly granted in these terms.

7. Acceptable website use

You may use the website only for lawful purposes. You may not attempt to interfere with its operation, gain unauthorized access, introduce harmful code, scrape or copy substantial content through automated means, misrepresent your identity, misuse purchasing or download systems, or use the website to violate another person’s rights.

8. Educational purpose and no professional relationship

The website and book provide general educational information. They do not constitute individualized legal, tax, accounting, investment, lending, real estate, or financial advice. No professional, fiduciary, broker-client, lender-borrower, attorney-client, or advisory relationship is created by visiting the website or purchasing or reading the book. See the Educational and Professional Disclaimer for additional information.

Real estate and financing decisions involve risk, and requirements differ by jurisdiction and transaction. You remain responsible for investigating facts, evaluating risks, complying with applicable requirements, and consulting appropriately qualified professionals.

9. No guarantee of results

DJW Publishing does not promise that any strategy, transaction, financing method, investment, or business decision will be available, lawful, suitable, profitable, approved, or successful in your circumstances. Examples are provided for educational purposes and should not be treated as predictions or guarantees.

10. Refunds

Requests concerning refunds, duplicate charges, failed delivery, or defective files are governed by the Refund Policy, the terms presented at checkout, and applicable law. Contact john@djwpublishing.net for assistance with an order.

11. Third-party services and links

The website links to services operated by third parties, including Payhip, payment providers, Google, and YouTube. Those services are governed by their own terms and policies. DJW Publishing is not responsible for the availability, security, content, or independent practices of a third-party service.

12. Disclaimer of warranties

To the fullest extent permitted by law, the website and digital product are provided “as is” and “as available.” DJW Publishing disclaims warranties not expressly stated in these terms, including implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement. Nothing in these terms excludes a warranty or consumer right that cannot lawfully be excluded.

13. Limitation of liability

To the fullest extent permitted by law, DJW Publishing will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, lost data, financing decisions, investment losses, or business interruption arising from the website or digital product. Where liability cannot be excluded, DJW Publishing’s aggregate liability relating to a purchase will not exceed the amount paid for the digital product giving rise to the claim. These limitations do not apply where prohibited by law.

14. Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, except where mandatory consumer-protection law requires otherwise.

15. Changes to these terms

DJW Publishing may update these terms to reflect changes in the website, product, services, or applicable requirements. The effective date at the top of the page identifies the current version. Changes apply prospectively from the date they are posted unless applicable law requires otherwise.

16. Severability and entire agreement

If any provision of these terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law. These terms, together with the Privacy Policy and any terms presented at checkout, constitute the agreement concerning use of this website and purchase of the digital product.

17. Contact