Terms of Service

TERMS OF SERVICE

Effective Date: December 1, 2024

Last Updated: June 4, 2026

Welcome to Sh-anna-lytics.com (“Website”), owned and operated by Sh-anna-lytics LLC (“Company,” “we,” “our,” or “us”).

These Terms of Service (“Terms”) govern your use of our Website, services, content, products, subscriptions, and related offerings. By accessing or using this Website, creating an account, purchasing services, or otherwise engaging with us, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use this Website or our services.

1. Eligibility

You must be at least 18 years old or the legal age of majority in your jurisdiction to use this Website or purchase services.

By using this Website, you represent that:

-You are legally capable of entering into binding agreements;

-Information you provide is accurate and complete;

-You will comply with all applicable laws and these Terms.

2. Services Provided

Sh-anna-lytics LLC provides consulting, educational, analytical, financial education, business support, digital content, and related professional services.

Services may include, but are not limited to:

-Consulting services;

-Financial education and informational content;

-Business, systems, analytics, or organizational support;

-Digital products, templates, downloads, guides, or educational materials;

-Memberships or subscriptions;

-Other offerings introduced in the future.

We reserve the right to modify, suspend, or discontinue services at any time without liability.

3. No Financial, Legal, Tax, or Investment Advice

Information provided through the Website, consultations, educational materials, blogs, guides, downloads, emails, subscriptions, or other content is for educational and informational purposes only.

Nothing on this Website constitutes:

-Financial advice;

-Investment advice;

-Legal advice;

-Tax advice;

-Fiduciary services;

-Professional accounting advice.

Your financial situation is unique. You are solely responsible for decisions made based on information provided by Sh-anna-lytics LLC.

You should consult appropriately licensed professionals before making financial, tax, legal, or investment decisions.

No advisor-client, fiduciary, or professional-client relationship is created solely by accessing this Website or consuming content.

4. Educational Purposes Only / No Guarantees

We provide education, strategy, tools, guidance, and professional insight; however, we do not guarantee any particular outcome.

You acknowledge and agree that:

-Results vary from person to person;

-Business and financial outcomes depend on many factors outside our control;

-We do not guarantee earnings, savings, financial improvement, business growth, debt reduction, investment performance, or any specific result.

Past examples, case studies, testimonials, or illustrations are not guarantees of future outcomes.

5. User Accounts

Certain features may require account registration.

You agree to:

-Provide accurate account information;

-Keep login credentials confidential;

-Maintain account security;

-Notify us immediately of unauthorized access.

You are responsible for activities conducted through your account.

We reserve the right to suspend or terminate accounts for misuse, fraud, violations of these Terms, or security concerns.

6. Payments and Billing

Paid services, subscriptions, memberships, and products may be offered through third-party payment processors, including but not limited to Stripe.

By purchasing services or products, you agree:

-To provide valid payment information;

-To pay all fees associated with purchases;

-That pricing may change at any time.

Failure to pay may result in suspension or termination of services.

We reserve the right to refuse service or cancel transactions at our discretion.

7. Subscriptions and Recurring Billing

Some offerings may be subscription-based or include recurring billing.

By subscribing, you authorize recurring charges using your selected payment method until cancellation.

Unless otherwise specified:

-Billing occurs automatically;

-You are responsible for canceling before renewal if you do not wish to continue;

-No prorated refunds are guaranteed unless required by law.

Specific subscription terms may be disclosed at the time of purchase.

8. Refund Policy

Refunds for services, subscriptions, digital products, or downloadable materials are governed by the terms disclosed at purchase.

Unless explicitly stated otherwise:

-Services already performed are non-refundable;

-Completed consultations are non-refundable;

-Digital products may be non-refundable after access or download;

-Subscription fees may be non-refundable after the billing period begins.

We reserve the right to issue refunds at our discretion.

9. Intellectual Property

All Website materials are owned by or licensed to Sh-anna-lytics LLC, including:

-Text;

-Branding;

-Logos;

-Graphics;

-Downloads;

-Templates;

-Educational materials;

-Videos;

-Guides;

-Written content;

-Website design.

You may not:

-Copy;

-Sell;

-Reproduce;

-Redistribute;

-Republish;

-Reverse engineer;

-Modify;

-Commercially exploit content

without prior written permission.

Limited personal, non-commercial use is permitted.

10. User Conduct

You agree not to:

-Violate laws or regulations;

-Misrepresent yourself;

-Interfere with Website security;

-Upload malicious software or harmful code;

-Attempt unauthorized access;

-Scrape or harvest data;

-Use Website content for unlawful purposes;

-Harass, abuse, or disrupt other users.

We may suspend or terminate access for violations.

11. Third-Party Services and Links

The Website may integrate or link to third-party services, including payment processors, scheduling systems, analytics tools, social media platforms, embedded content, or software providers.

We are not responsible for:

-Third-party content;

-Security practices;

-Availability;

-Policies;

-Transactions conducted through third parties.

Your use of third-party services is subject to their own terms and privacy policies.

12. Website Availability

We do not guarantee uninterrupted access to the Website.

The Website may experience:

-Maintenance;

-Errors;

-Delays;

-Downtime;

-Security interruptions.

We may modify or discontinue features without notice.

13. Disclaimer of Warranties

The Website, content, products, and services are provided on an “AS IS” and “AS AVAILABLE” basis.

To the fullest extent permitted by law, Sh-anna-lytics LLC disclaims all warranties, express or implied, including:

-Merchantability;

-Fitness for a particular purpose;

-Accuracy;

-Reliability;

-Availability;

-Non-infringement.

We do not guarantee uninterrupted access, error-free performance, or specific results.

14. Limitation of Liability

To the fullest extent permitted by law, Sh-anna-lytics LLC, its owners, officers, contractors, affiliates, and representatives shall not be liable for:

-Indirect damages;

-Incidental damages;

-Consequential damages;

-Loss of profits;

-Financial losses;

-Business interruption;

-Lost opportunities;

-Data loss.

Your use of this Website and services is at your own risk.

To the maximum extent allowed by law, our total liability shall not exceed the amount paid by you to us for the applicable service in the preceding twelve (12) months.

15. Indemnification

You agree to defend, indemnify, and hold harmless Sh-anna-lytics LLC from claims, liabilities, losses, damages, costs, and expenses arising from:

-Your use of the Website;

-Violation of these Terms;

-Misuse of services or materials;

-Violation of another person’s rights.

16. Termination

We reserve the right to suspend or terminate access to the Website, accounts, subscriptions, or services at our sole discretion and without notice for violations of these Terms or misuse of services.

Termination does not eliminate payment obligations already incurred.

17. Privacy

Your use of this Website is also governed by our Privacy Policy.

By using the Website, you acknowledge and consent to data practices described therein.

18. Governing Law

These Terms are governed by the laws of the State of Arkansas, without regard to conflict of law principles.

Any disputes arising from these Terms or Website use shall be resolved in courts located in Arkansas.

19. Changes to These Terms

We may revise these Terms at any time.

Updated Terms become effective immediately upon posting to the Website.

Your continued use of the Website after changes are posted constitutes acceptance of revised Terms.

20. Contact Information