Terms of Service

Effective Date: July 17, 2026

 

TERMS OF SERVICE

OVERVIEW

Welcome to BY Advisory. Throughout these Terms of Service, the terms “BY Advisory,” “we,” “us,” and “our” refer to BY Advisory.

BY Advisory operates this website and online store, including all related information, content, products, digital downloads, assessments, templates, playbooks, consulting services, and other resources (collectively, the “Services”). Our website is powered by Shopify, which enables us to provide these Services.

These Terms of Service (“Terms”) govern your access to and use of our Services. By visiting our website, purchasing products or services, downloading materials, or otherwise using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms or our Privacy Policy, please do not access or use the Services.

Please read these Terms carefully, as they contain important information regarding your legal rights, limitations of liability, warranty disclaimers, and other provisions governing your use of the Services.


SECTION 1 – ACCESS AND ACCOUNT

By using the Services, you represent that you are at least the age of majority in your state or province of residence, or that you have obtained appropriate consent for any minor dependents using the Services on devices you own or control.

Certain features of the Services may require you to provide personal information, including your name, email address, billing information, and payment details. You agree that all information you provide is accurate, current, and complete and that you have the legal right to provide such information.

You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. You may not sell, transfer, assign, or otherwise permit another person to use your account.


SECTION 2 – OUR PRODUCTS AND SERVICES

BY Advisory provides professional consulting services, educational resources, digital products, templates, playbooks, assessments, and related business materials.

We make every reasonable effort to accurately describe and display our products and services. However, we do not warrant that descriptions, images, screenshots, colors, or other representations displayed on your device will exactly reflect the final product.

Many of our products are delivered electronically and become available immediately after purchase. Because digital products cannot be returned once accessed or downloaded, they are subject to our Refund Policy.

Consulting services are provided based upon the agreed scope of work between BY Advisory and the client. Nothing in our Services guarantees any specific business, financial, organizational, leadership, or operational outcome.

We reserve the right to modify, update, discontinue, or replace any product or service at any time without prior notice.


SECTION 3 – ORDERS

Submitting an order constitutes an offer to purchase a product or service from BY Advisory.

We reserve the right to accept, decline, limit, or cancel any order at our sole discretion, including after payment has been submitted. If we cancel an order after payment has been processed, any applicable refund will be issued to the original payment method.

Please review your order carefully before completing your purchase. Because many of our products are delivered instantly in digital form, we may be unable to accommodate cancellation requests after purchase.

Your purchases are subject solely to our Refund Policy.

Unless otherwise expressly stated, purchases are intended for your own personal use. They may not be redistributed, resold, sublicensed, or otherwise commercially exploited except with our prior written permission.


SECTION 4 – PRICES AND BILLING

All prices are listed in U.S. dollars unless otherwise indicated and are subject to change without notice.

Applicable taxes will be calculated where required by law.

You agree to provide current, complete, and accurate billing and payment information for all purchases made through the Services. You authorize us to charge your selected payment method for all purchases and any applicable taxes.

If payment cannot be processed, we reserve the right to cancel or suspend your order until payment is successfully completed.

Promotional pricing, discounts, and special offers may be subject to separate terms and may be modified or discontinued at any time.


SECTION 5 – DIGITAL DELIVERY

Most products sold by BY Advisory are delivered electronically.

Digital products are typically available immediately after successful payment through a download link or customer account access. It is your responsibility to provide a valid email address and maintain access to your download information.

While we strive to ensure uninterrupted access to digital downloads, temporary technical issues beyond our control may occasionally delay delivery.

If you experience difficulty accessing a purchased product, please contact us at info@byadvisory.co, and we will make reasonable efforts to assist you.

Where physical products are offered in the future, estimated shipping times are provided for convenience only and are not guaranteed. BY Advisory is not responsible for delays caused by shipping carriers, customs processing, weather events, or circumstances beyond our reasonable control.


SECTION 6 – INTELLECTUAL PROPERTY

All content made available through the Services—including but not limited to text, graphics, logos, icons, images, videos, downloads, templates, playbooks, assessments, methodologies, frameworks, worksheets, presentations, guides, course materials, designs, software, and other materials—is owned by or licensed to BY Advisory and is protected by United States and international copyright, trademark, and other intellectual property laws.

Your purchase or use of the Services does not transfer ownership of any intellectual property rights.

Except as expressly permitted in these Terms or with our prior written consent, you may not:

  • Copy, reproduce, modify, adapt, translate, or create derivative works from our materials;
  • Share, distribute, publish, sublicense, lease, sell, or otherwise make our materials available to any third party;
  • Upload our materials to websites, shared drives, online marketplaces, or file-sharing services;
  • Remove or alter any copyright, trademark, or proprietary notices;
  • Reverse engineer, decompile, or attempt to extract any proprietary methodology or framework;
  • Use our content to create competing products, courses, templates, assessments, or consulting materials; or
  • Use any portion of our materials to train, develop, improve, or evaluate artificial intelligence or machine learning systems without our prior written permission.

All rights not expressly granted are reserved by BY Advisory.

The BY Advisory name, logo, product names, service names, and branding are trademarks or service marks of BY Advisory and may not be used without our prior written consent.


SECTION 7 – DIGITAL PRODUCTS LICENSE

All digital products sold by BY Advisory are licensed, not sold.

Unless otherwise stated, your purchase grants you a limited, non-exclusive, non-transferable, revocable license to download and use the purchased materials solely for your own personal use.

This license does not permit you to:

  • Share files with another individual;
  • Email or otherwise distribute downloaded materials;
  • Upload files to cloud storage or shared drives accessible by others;
  • Resell, sublicense, lease, or commercially exploit the materials;
  • Publish the materials online or in print;
  • Incorporate the materials into products or services you sell;
  • Remove copyright notices or branding;
  • Claim the materials as your own work; or
  • Modify the materials for redistribution or resale.

Violation of this license automatically terminates your right to use the purchased materials without refund and may result in legal action.


SECTION 8 – COPYRIGHT NOTICE

All content, frameworks, methodologies, templates, assessments, playbooks, graphics, written materials, downloads, and educational resources made available through the Services are protected by copyright and other applicable intellectual property laws.

Unauthorized copying, reproduction, distribution, resale, publication, sharing, or commercial use of any materials is strictly prohibited.

We actively reserve all rights available under applicable copyright, trademark, and intellectual property laws.


SECTION 9 – OPTIONAL TOOLS

The Services may provide access to third-party tools, applications, integrations, or software that are not owned or controlled by BY Advisory.

These tools are provided on an “as is” and “as available” basis without warranties of any kind. We do not monitor or control these third-party services and are not responsible for their content, functionality, security, or availability.

Your use of any third-party tools is entirely at your own risk and subject to the applicable third-party terms and conditions.

We may add, modify, or discontinue optional tools or features at any time.


SECTION 10 – THIRD-PARTY LINKS

Our Services may contain links to third-party websites, services, articles, or resources for your convenience.

These links do not constitute an endorsement by BY Advisory.

We are not responsible for the content, accuracy, privacy practices, availability, or business practices of any third-party website or service.

If you choose to access a third-party website, you do so at your own risk and should review that website’s applicable terms and privacy policies.

BY Advisory shall not be liable for any damages or losses arising from your use of third-party websites, products, or services.

 

Perfect. Here is Part 3.


SECTION 11 – RELATIONSHIP WITH SHOPIFY

BY Advisory uses Shopify to power this website and facilitate the sale of products and services. While Shopify provides the technology that enables our online store, all purchases made through the Services are made directly with BY Advisory.

You acknowledge and agree that Shopify is not responsible for the products, services, content, transactions, customer support, or fulfillment provided by BY Advisory. To the fullest extent permitted by law, you release Shopify and its affiliates from any claims, damages, or liabilities arising out of or relating to your purchases or interactions with BY Advisory.


SECTION 12 – PRIVACY

Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, store, and protect your personal information.

Because our website is hosted by Shopify, certain information is also collected and processed by Shopify in order to operate and improve the Services. By using the Services, you acknowledge that your information may be processed by Shopify and other service providers as described in our Privacy Policy and Shopify’s Privacy Policy.

Please review our Privacy Policy before using the Services.


SECTION 13 – FEEDBACK

If you submit ideas, comments, suggestions, testimonials, reviews, recommendations, feature requests, or other feedback (“Feedback”) regarding the Services, you grant BY Advisory a perpetual, worldwide, royalty-free, irrevocable, sublicensable license to use, reproduce, modify, publish, distribute, display, and otherwise use such Feedback for any lawful business purpose without compensation to you.

You represent and warrant that:

  • You own or otherwise have the right to submit the Feedback;
  • Your Feedback does not infringe the rights of any third party;
  • Your Feedback is accurate to the best of your knowledge; and
  • Your Feedback does not contain unlawful, defamatory, abusive, obscene, or misleading content.

We are under no obligation to maintain Feedback in confidence, compensate you for Feedback, or respond to Feedback.

We reserve the right, but not the obligation, to remove any Feedback we determine to be inappropriate or inconsistent with these Terms.


SECTION 14 – PROHIBITED USES

You agree to use the Services only for lawful purposes.

You may not use the Services to:

  • Violate any applicable law or regulation;
  • Infringe the intellectual property rights of BY Advisory or any third party;
  • Upload malicious code, viruses, ransomware, or other harmful software;
  • Attempt to gain unauthorized access to any portion of the Services;
  • Interfere with the operation or security of the Services;
  • Harvest or collect personal information from other users;
  • Send spam, unsolicited communications, or fraudulent messages;
  • Impersonate another individual or organization;
  • Misrepresent your identity or affiliation;
  • Redistribute, resell, or share purchased digital products;
  • Copy or reproduce our content except as expressly permitted;
  • Create competing products or services using our materials;
  • Remove copyright notices or branding;
  • Upload purchased materials to shared drives, public websites, or file-sharing platforms; or
  • Use any content or materials available through the Services to train, develop, improve, or evaluate artificial intelligence or machine learning systems without our prior written permission.

We reserve the right to suspend or terminate access to the Services if we believe these Terms have been violated.


SECTION 15 – AUTOMATED ACCESS AND AI AGENTS

You may not use automated software, bots, crawlers, scrapers, artificial intelligence agents, or other automated systems to access or interact with the Services in a manner that interferes with the operation, security, or availability of the website.

Where automated access is permitted by law or by our express written authorization, such systems must accurately identify themselves and must not circumvent security measures, rate limits, CAPTCHAs, robot exclusion protocols, or other technologies designed to regulate access.

BY Advisory reserves the right to block, restrict, or prohibit automated access to the Services at any time.


SECTION 16 – TERMINATION

We reserve the right to suspend, restrict, or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct that may harm BY Advisory, our customers, or the operation of the Services.

Termination does not relieve you of any payment obligations incurred prior to termination.

Upon termination, all licenses granted to you under these Terms immediately cease, and you must discontinue all unauthorized use of our materials.

The provisions relating to Intellectual Property, Digital Products License, Copyright Notice, Feedback, Educational Purposes, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law, and any other provisions that by their nature should survive termination shall remain in effect following termination.

 

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SECTION 17 – EDUCATIONAL PURPOSES

The Services, including all consulting services, digital products, templates, playbooks, assessments, frameworks, guides, and other educational resources, are provided for informational and educational purposes only.

Nothing provided by BY Advisory constitutes legal, tax, accounting, financial, employment, regulatory, or other professional advice. You should consult appropriately qualified professionals regarding your particular circumstances before making business, financial, legal, or operational decisions.

Your use of the Services is at your own discretion and risk.


SECTION 18 – NO GUARANTEE OF RESULTS

BY Advisory is committed to providing high-quality consulting services and educational resources designed to support professional growth and business improvement. However, every individual, business, organization, and situation is unique.

Accordingly, we make no representations or warranties regarding any specific business, financial, operational, leadership, learning, organizational, or other results that may be achieved through the use of our Services.

Your success depends on numerous factors beyond our control, including your implementation, effort, decision-making, market conditions, organizational environment, and other variables unique to your circumstances.

Any testimonials, case studies, examples, or success stories presented through the Services are illustrative only and should not be interpreted as guarantees of future results.


SECTION 19 – DISCLAIMER OF WARRANTIES

The information, products, and services made available through the Services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, BY Advisory disclaims all express, implied, statutory, and other warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, reliability, and uninterrupted operation.

We do not warrant that:

  • The Services will always be available or uninterrupted;
  • The Services will be free from errors or defects;
  • Any defects will be corrected;
  • Downloads will always be compatible with your software or devices;
  • The Services will be free of viruses or other harmful components; or
  • The use of our Services will produce any particular outcome or result.

You assume full responsibility for evaluating the suitability of our Services for your particular needs.

Some jurisdictions do not permit certain warranty disclaimers. In those jurisdictions, the foregoing disclaimers apply only to the fullest extent permitted by law.


SECTION 20 – LIMITATION OF LIABILITY

To the fullest extent permitted by law, BY Advisory shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of the Services or any products or services purchased through the Services.

This limitation includes, without limitation, damages for lost profits, lost revenue, lost business opportunities, loss of goodwill, loss of data, business interruption, or other economic losses, even if BY Advisory has been advised of the possibility of such damages.

To the fullest extent permitted by law, BY Advisory’s total cumulative liability arising from any claim relating to the Services or these Terms shall not exceed the amount you paid to BY Advisory for the specific product or service giving rise to the claim during the twelve (12) months preceding the event giving rise to the claim.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.


SECTION 21 – INDEMNIFICATION

You agree to indemnify, defend, and hold harmless BY Advisory, its owner, contractors, affiliates, service providers, licensors, and representatives from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or reasonable attorneys’ fees arising out of or relating to:

  • Your violation of these Terms;
  • Your misuse of the Services;
  • Your infringement of the intellectual property or other rights of any third party;
  • Your violation of any applicable law or regulation; or
  • Any content or information you submit through the Services.

BY Advisory reserves the right to assume exclusive control of the defense of any matter subject to indemnification. You agree to cooperate fully in the defense of any such claim.

 

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SECTION 22 – SEVERABILITY

If any provision of these Terms is determined by a court of competent jurisdiction to be unlawful, invalid, or unenforceable, that provision shall be enforced to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect.


SECTION 23 – WAIVER; ENTIRE AGREEMENT

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

These Terms, together with our Privacy Policy, Refund Policy, and any other policies expressly incorporated by reference, constitute the entire agreement between you and BY Advisory regarding your use of the Services and supersede all prior or contemporaneous communications, understandings, or agreements relating to the Services.

Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.


SECTION 24 – ASSIGNMENT

You may not assign, transfer, delegate, sublicense, or otherwise transfer any rights or obligations under these Terms without our prior written consent.

BY Advisory may assign or transfer these Terms or any rights or obligations hereunder without restriction, including in connection with the sale, merger, reorganization, or transfer of all or substantially all of the business or assets.


SECTION 25 – GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of the Services shall be brought exclusively in the state or federal courts located within the Commonwealth of Virginia, and you consent to the personal jurisdiction and venue of those courts.


SECTION 26 – HEADINGS

The section headings contained in these Terms are provided solely for convenience and shall not affect the interpretation of any provision.


SECTION 27 – CHANGES TO THESE TERMS

We reserve the right to update or modify these Terms at any time.

Any changes will become effective upon posting the revised Terms on this website unless otherwise required by applicable law.

Your continued use of the Services following the posting of revised Terms constitutes your acceptance of those changes.

We encourage you to review these Terms periodically.


SECTION 28 – CONTACT INFORMATION

Questions regarding these Terms of Service may be directed to:

BY Advisory
Email: info@byadvisory.co