1.1 Acceptance of these Terms

By accessing the Site or purchasing, downloading, or using any Products, you agree to these Terms of Use and to the Privacy Policy and Legal Disclaimers in this document. If you do not agree, do not use the Site or Products.

1.2 Changes to these Terms

We may update these policies from time to time. The “Last updated” date above shows when changes take effect. Continued use of the Site after updates means you accept the updated terms.

1.3 Eligibility

The Site and Products are intended for adults. You must be at least 18 years old to use the Site, subscribe to our emails or texts, or purchase Products. We do not knowingly allow use by minors.

1.4 Accounts and access

Some parts of the Site may require you to create an account or provide contact details. You agree to provide accurate information and to keep your login credentials secure. You are responsible for activity that occurs under your account.

1.5 Purchases, delivery, and pricing

When you purchase a Product, you authorize us and our payment processors to charge the payment method you provide. Prices may change at any time. Digital Products are typically delivered electronically via download link, email delivery, or account access. If you enroll in a subscription or membership, you authorize recurring charges at the price and frequency shown at checkout until you cancel (if cancellation is offered).

If a download link does not work or you do not receive access, contact us at support@itsjuststephen.com and we will make reasonable efforts to restore access.

1.6 Refunds and chargebacks

Unless a specific Product page or checkout page states otherwise, all sales are final due to the nature of digital goods. If we offer a refund policy for a particular Product, that policy applies only to that Product and only as described on the checkout page.

If you believe there has been an error with your purchase, contact us before initiating a chargeback. Unresolved chargebacks may result in loss of access to Products.

1.7 Intellectual property and your limited license

The Site, Content, and Products are owned by the Company or licensed to the Company and are protected by intellectual property laws.

When you purchase or download a Product, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Product for your personal use or your own internal business use. This license is for you only and does not permit sharing, redistribution, resale, sublicensing, or public posting of the Product.

1.8 What you may not do

You agree you will not:

• Copy, reproduce, resell, sublicense, or distribute any Content or Products, including by sharing downloads, PDFs, templates, or recordings with anyone else.

• Post any portion of a Product publicly, including in groups, forums, social media, file-sharing services, or AI training datasets.

• Create derivative works based on our Content or Products for commercial use without our written permission.

• Remove copyright, trademark, or other proprietary notices.

• Use the Site in a way that interferes with its security or operation, including introducing malware or attempting unauthorized access.

1.9 Trademarks

“It’s Just Stephen,” “The 15-Minute Coffee Break System,” and related names, logos, and taglines may be Company trademarks. You may not use our trademarks without written permission.

1.10 User submissions and comments

If you submit comments, testimonials, photos, videos, or other materials through the Site or our communities, you represent that you have the right to submit them.

You grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and adapt your submission for our business purposes, including marketing and Product improvement. We will not claim ownership of your underlying business ideas or your original products.

1.11 Community rules and prohibited conduct

If the Site includes interactive features (such as comments or community areas), you agree to use them responsibly. You will not post unlawful, abusive, harassing, defamatory, infringing, or obscene content, or content that violates anyone’s privacy or rights. We may remove content or restrict access at our discretion.

1.12 Linking to the Site

You may link to the Site as long as you do not imply sponsorship or endorsement. You may not frame or inline-link our Content without written permission.

1.13 Third-party tools and links

The Site may link to third-party websites or use third-party tools (such as payment processors, email platforms, and analytics). We are not responsible for third-party content, policies, or practices. Your use of third-party services is governed by their terms.

1.14 Disclaimer of warranties

The Site and Products are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses, or that any Content will be accurate, complete, or current. For earnings and results disclaimers, see Section 3.3.

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT ANY CONTENT, COURSES AND MATERIALS AND IT’S POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE TECHNIQUES AND IDEAS IN THESE MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS. EARNING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCT, IDEAS AND TECHNIQUES. WE DO NOT PURPORT THIS AS A “GET RICH SCHEME.”

YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

MATERIALS IN OUR PRODUCTS AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE’S, IN FACT, NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

NO WARRANTIES

IT'S JUST STEPHEN NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. IT'S JUST STEPHEN FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, IT'S JUST STEPHEN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

1.15 Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the Site or Products, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.

YOU AGREE TO ABSOLVE IT'S JUST STEPHEN OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR THE RESOURCES YOU MAY DOWNLOAD OR BUY FROM THIS WEBSITE. YOU AGREE THAT IT'S JUST STEPHEN SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUENTIAL LOSS OR DAMAGES FOR USE OF THIS WEBSITE.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. IT'S JUST STEPHEN AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME.

IT'S JUST STEPHEN AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. IT'S JUST STEPHEN AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED 

WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS.

THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND IT'S JUST STEPHEN MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE.

To the fullest extent permitted by law, our total liability for any claim related to the Site or Products will not exceed the amount you paid to us for the Product giving rise to the claim, or one hundred dollars, whichever is greater.

1.16 Indemnification

You agree to indemnify and hold harmless the Company and its owners, employees, contractors, and agents from claims, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these terms, or your violation of any rights of another person.

1.17 Termination

We may suspend or terminate your access to the Site or Products at any time if we reasonably believe you violated these terms. The intellectual property, limitations of liability, and other provisions that by their nature should survive will survive termination.

1.18 Dispute resolution and arbitration

We prefer to resolve disputes informally. Before filing a claim, you agree to contact us at support@itsjuststephen.com and provide a brief description of the dispute and your requested resolution.

If we cannot resolve the dispute informally, you and the Company agree to resolve most disputes through binding arbitration on an individual basis, not in court. Arbitration means a neutral arbitrator decides the dispute instead of a judge or jury.

Either party may bring an individual claim in small claims court if it qualifies. Either party may also seek injunctive relief in court for misuse of intellectual property or unauthorized access to the Site.

Unless the parties agree otherwise, arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in the county and state where the Company is headquartered, unless required otherwise by law.

You and the Company agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

1.19 Governing law

Subject to Section 1.18 (Dispute resolution and arbitration), these Terms are governed by and construed in accordance with the laws of the State of Ohio, without giving effect to conflict of laws rules. For any dispute that is not subject to arbitration (including eligible small claims matters and requests for injunctive relief as described in Section 1.18), you and the Company agree that the exclusive venue will be the state and federal courts located in Hamilton County, Ohio, and you consent to personal jurisdiction in those courts.

1.20 Contact

Questions about these Terms of Use may be sent to support@itsjuststephen.com.

2.1 Overview

This Privacy Policy explains how we collect, use, share, and protect personal information when you use the Site or purchase Products.

2.2 Information we collect

We collect information in two main ways: information you provide and information collected automatically.

Information you provide may include your name, email address, phone number (if you opt in), billing address, and purchase details. Payment information is processed by third-party payment processors. We do not store full credit card numbers on our servers.

Information collected automatically may include IP address, device identifiers, browser type, pages visited, time spent, referring URLs, and interactions with our emails or ads.

2.3 How we use information

We use personal information to:

• Deliver Products, freebies, and customer support.

• Send emails you requested, including newsletters and Product updates.

• Send promotional communications if you opted in, and allow you to unsubscribe at any time.

• Operate and improve the Site, including analytics and troubleshooting.

• Protect the Site, prevent fraud, and enforce our terms.

2.4 Email marketing

If you opt in to receive emails, we may send you educational content and marketing messages about our Products. You may unsubscribe at any time using the unsubscribe link in an email. You may also contact support@itsjuststephen.com.

2.5 SMS and text messaging

If you provide your phone number and opt in, we may send transactional texts (such as delivery updates) and promotional texts (such as Product announcements). Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP. Consent to receive texts is not required to make a purchase.

2.6 Cookies and analytics

We use cookies and similar technologies to operate the Site and understand how visitors use it. You can control cookies through your browser settings. Disabling cookies may affect Site functionality.

We may use analytics and advertising tools such as Google Analytics and Meta Pixel. These tools may collect information about your use of the Site. We use them to understand performance and to show relevant ads. The providers’ own policies govern their processing.

2.7 Sharing information

We may share personal information with service providers who help us operate the Site and deliver Products, such as email service providers, payment processors, and analytics tools. We do not sell personal information for money.

We may allow advertising and analytics partners to collect information through cookies or similar technologies so we can measure performance and show relevant ads. Depending on where you live, this activity may be considered a “sale” or “sharing” of personal information. You can limit this by adjusting your browser or device settings, using cookie controls on the Site if available, or contacting support@itsjuststephen.com.

We may also share information if required by law, to respond to lawful requests, or to protect our rights and the safety of others.

2.8 Data retention and security

We retain personal information for as long as needed to provide Products and services, comply with legal obligations, resolve disputes, and enforce agreements. We use reasonable administrative, technical, and physical safeguards, but no method of transmission or storage is completely secure.

2.9 Your choices and rights

Depending on where you live, you may have rights to access, correct, delete, or restrict the use of your personal information. You may request these by contacting support@itsjuststephen.com. We may need to verify your identity before fulfilling a request. If you are a California resident, you may also have the right to opt out of certain uses of your information for cross-context behavioral advertising. You can submit an opt-out request by emailing support@itsjuststephen.com.

2.10 Children’s privacy

The Site and Products are not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact support@itsjuststephen.com and we will take appropriate steps.

2.11 International visitors

If you access the Site from outside the United States, you understand that your information may be processed in the United States and other locations where our service providers operate. When required, we rely on lawful bases for processing, such as consent, contract performance, or legitimate interests.

2.12 Contact

Questions about privacy may be sent to support@itsjuststephen.com.