Every Business Academy
Privacy Policy

Last updated: June 10, 2025

1. Information We Collect

  • Account Data : name, email, password (hashed), billing country.
  • Payment & Subscription Data : plan type, billing address, last four digits of card, payment tokens (handled by Stripe).
  • Usage Data : course progress, quiz scores, IP address, device/browser, log files.
  • Community Content : posts, messages, profile details.
  • Affiliate Data : referral link IDs, commission totals.

2. How We Use Your Information

  • To create and maintain your subscription, process payments, and notify you about renewals or price changes.
  • To deliver course content, track progress, and award certificates.
  • To operate the affiliate program (commission calculation, payouts, leaderboard).
  • To provide community features (forums, comments, messages).
  • To send transactional emails (receipts, subscription reminders) and, with your consent, marketing messages.
  • To detect and prevent fraud, abuse, or violations of our Terms.

3. Legal Bases for Processing (EU/UK Users)

  • Contract: We need your data to fulfill the subscription contract.
  • Legitimate Interests: Improve services, prevent fraud.
  • Consent: Marketing emails (you can opt out).
  • Legal Obligation: Tax and accounting compliance.

4. Data Retention

We keep account and billing records for as long as you have an active subscription and for 7 years thereafter (for tax/audit). Community posts remain unless you delete them or request removal.

5. Sharing & Disclosure

  • Processors : Stripe (payments), Mailgun (email), Amazon S3 (storage).
  • Legal : Authorities if required by law or to protect rights.
  • Business Transfers : In a merger or acquisition, data may transfer with appropriate notice.

6. Your Rights

Depending on jurisdiction, you may access, correct, delete, or port your data; withdraw consent; or object to processing. Email [email protected].

7. Security

We use TLS encryption, hashed passwords, role-based access control, and periodic security audits.

8. International Transfers

We host data in the United States. Where required, we rely on Standard Contractual Clauses for transfers from the EEA/UK/Switzerland.

9. Children’s Privacy

The Services are not directed to individuals under 13. We do not knowingly collect data from children.

10. Changes to This Policy

We may update this Privacy Policy. If changes are material, we will email you or post a notice. Your continued use means acceptance.

11. Contact

Questions? Email [email protected].

Every Business Academy
Terms of Service

1. Acceptance of Terms

By accessing or using Every Business Academy (“EBA,” “we,” “us,” or “our”) online courses, community, or affiliate program (collectively, the “Services”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account or participate in the affiliate program.

3. Subscriptions, Payments & Taxes

3.1 Billing Cycle

The Services are sold on a one tme purchase or a recurring subscription basis of a period of 6 months (monthly or annual, as selected at checkout). Your subscription automatically ends at the end of 6 months unless canceled.

3.2 Payment Method

You authorize us to charge your chosen payment method for the subscription fee and any applicable taxes until you cancel.

3.3 Price Changes

We may change subscription prices with at least 30 days’ notice via email. Continued use after the effective date constitutes acceptance of the new price.

3.4 Cancellation & Refunds

  • You may cancel at any time from your account dashboard or by emailing [email protected].
  • Cancellation takes effect at the end of the current billing period; you will retain access until then.
  • We honor a 7-day “no-questions-asked” refund on first-time subscription purchases. After 7 days, fees are non-refundable unless required by law.

4. License to Use Content

So long as your subscription remains active and fees are paid, EBA grants you a personal, non-exclusive, non-transferable license to access the course materials for your own educational use. Redistribution or resale is prohibited.

5. Affiliate Program

Participation is subject to our Affiliate Agreement. Commissions accrue only while you have Every Business Academy group access and your affiliate account is in good standing.

6. Community Guidelines

You agree not to post content that is unlawful, harassing, or infringes intellectual property. We may moderate or remove content and suspend accounts at our discretion.

7. Intellectual Property

All course videos, PDFs, site design, logos, and trademarks are our property or that of licensors and are protected by law.

8. Disclaimers & Limitation of Liability

Courses are for educational purposes only and do not constitute financial or legal advice. We provide the Services “as-is” without warranties. Liability is limited to the greater of USD $100 or the amount you paid in the 12 months preceding the claim.

9. Governing Law

These Terms are governed by the laws of the State of Indiana, USA, without regard to conflict-of-law provisions.

10. Changes to Terms

We may update these Terms at any time. We will notify you by email or prominent notice on the site. Continued use constitutes acceptance.

11. Contact

Questions? Email [email protected].

Every Business Academy
Affiliate Program Agreement

Effective Date: June 10, 2025

This Affiliate Program Agreement (the "Agreement") is entered into by and between Every Business Academy (Also know as RICHTER INNOVATIONS LLC), an Indiana limited liability companyan with its principal place of business at 4123 Vera Dr, Indianapolis, IN 46220 USA ("Company", "we", "our", or "us"), and the participant completing the online enrollment process ("Affiliate", "you", or "your").

By checking the “I agree” box and submitting the Affiliate Application, Affiliate affirms that they have read, understand, and agree to be bound by the terms of this Agreement.

1. Definitions

  1. “Affiliate Program” means the marketing program operated by Company pursuant to which Affiliate may earn Commissions on Qualified Purchases.
  2. “Commission” means the monetary amount earned by Affiliate for each Qualified Purchase, calculated in accordance with Section 5.
  3. “Cookie Window” means the 365‑day period (unless otherwise stated in the Program dashboard) during which a Qualified Purchase can be attributed to Affiliate after a valid click.
  4. “Qualified Purchase” means a sale of a Company product or service — including the initial charge — that (i) is tracked through Company’s tracking system; (ii) is not cancelled, refunded, or charged back; and (iii) is made in compliance with this Agreement.
  5. “Promotional Content” means any creative, link, copy, coupon code, or other content provided or approved by Company for use in marketing activities.

2. Enrollment & Acceptance

  1. Application. Affiliate must submit a complete and accurate application. We may accept or reject any application at our sole discretion.
  2. Identification. You must provide accurate tax and contact information and keep it updated.
  3. Mandatory Click‑Wrap. The “I agree” checkbox is presented unchecked by default and the Affiliate Application cannot be submitted unless you affirmatively check it, thereby recording your consent via IP address and timestamp.

3. Affiliate Obligations

  1. Promotion. Affiliate may create and distribute original promotional content provided that it: (i) accurately represents Company products and their benefits; (ii) complies with our brand guidelines and the Prohibited Activities in Section 6; and (iii) adheres to all applicable laws and regulations. Use of Company‑supplied creatives is optional (though recommended for consistency).
  2. Brand Integrity. Affiliate shall not (i) bid on Company trademarks or misspellings in paid search; (ii) use spam, misleading claims, or unethical practices; or (iii) misrepresent its relationship with Company.
  3. Compliance with Laws. Affiliate must comply with all applicable laws and regulations, including consumer protection, privacy, CAN‑SPAM, the FTC’s Negative‑Option Rule (16 CFR Part 464), any state automatic‑renewal laws, and Section 7 (FTC Disclosures). Promotional materials must clearly state that this is a paid affiliate program and must not misrepresent the cancellation process.

4. Tracking & Attribution

  1. Tracking Links. Affiliate must use the unique links generated through the Affiliate dashboard. Altering the link may result in lost tracking.
  2. Last‑Click Attribution. The last valid affiliate cookie prior to a Qualified Purchase receives attribution.

5. Commissions & Payment

  1. Rates. Affiliate earns 80 % Commission on the net sales price of each initial purchase, as long as the customer remains and does not refund the purchase, unless the dashboard lists a different rate.
  2. Schedule. Commissions are paid on the 15th of each month for Qualified Purchases that are at least 30 days old and not refunded.
  3. Reversals & Claw‑backs. Commissions on refunded, charge‑backed, or otherwise invalid payments (including renewals) are reversed or prorated and deducted from the next payout.
  4. Taxes. Affiliate is responsible for all taxes on Commissions. U.S. Affiliates earning over $600 per calendar year must submit Form W‑9.
  5. Tax Documentation. Before EBA issues any payout, Affiliate must provide a valid tax form: Form W‑9 (U.S.) or the appropriate Form W‑8 (non‑U.S.). Failure to furnish a valid form authorizes EBA to withhold payments or apply the statutory backup‑withholding rate until the form is received. If Affiliate fails to provide the required tax documentation within 90 days of the first commissionable sale, EBA may void the accrued commissions and remove the Affiliate from the Program.

6. Prohibited Activities

  • Fake clicks, cookie stuffing, adware, forced redirects.
  • Using domains or social usernames that are confusingly similar to Company trademarks.
  • Any activity that violates Section 3 or causes brand or reputational harm.

7. FTC Compliance & Mandatory Disclosures

Affiliate must make clear and conspicuous disclosures of the affiliate relationship whenever endorsing or promoting Company products, consistent with the U.S. Federal Trade Commission’s 2024 Endorsement Guides.

Copy‑and‑Paste Disclosure Examples

Long‑form (Blog/Email):
Disclosure — I am an affiliate of Every Business Academy and may earn a commission if you purchase through the links in this post, at no additional cost to you.

Short‑form (Social Media):
#ad #affiliatelink @EveryBusinessAcademy

Disclosures must appear near the link or endorsement, be easily noticed and understood, and not be hidden among other text or behind an expandable section.

8. Data Protection & Confidentiality

  1. Privacy. If Affiliate processes personal data, Affiliate shall comply with GDPR, CCPA, and any data‑processing addendum provided by Company.
  2. Confidentiality. Commission rates, sales data, and non‑public product information are confidential and may not be disclosed without prior written consent.

9. Term & Termination

  1. Term. This Agreement begins on the Effective Date and continues until terminated.
  2. Termination for Convenience. Either party may terminate this Agreement with 7 days’ written notice.
  3. Termination for Cause. Company may terminate immediately upon any breach. Upon termination, all licenses end and unpaid Commissions for unqualified or prohibited activity are forfeited.

10. Intellectual Property

Affiliate receives a non‑exclusive, revocable license to use Company trademarks and Promotional Content solely for purposes of the Affiliate Program and in accordance with Company’s brand guidelines.

11. Indemnification

Affiliate agrees to indemnify, defend, and hold harmless Company and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to (i) Affiliate’s breach of this Agreement, (ii) negligence or misconduct, or (iii) violation of any law, regulation, or third‑party right.

12. Limitation of Liability

IN NO EVENT WILL COMPANY BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS OR REVENUES. COMPANY’S AGGREGATE LIABILITY UNDER THIS AGREEMENT WILL NOT EXCEED THE TOTAL COMMISSIONS PAID TO AFFILIATE IN THE 12 MONTHS PRECEDING THE CLAIM.

13. Governing Law & Dispute Resolution

This Agreement is governed by the laws of the State of Indiana, USA, without regard to conflict‑of‑law principles. Any dispute arising under this Agreement shall be resolved by binding arbitration in Marion County, Indiana, under the rules of the American Arbitration Association. CLASS‑ACTION PROCEEDINGS ARE WAIVED.

14. Amendment

Company may update this Agreement at any time. Affiliate will be notified by email or dashboard notice. Continued participation in the Affiliate Program constitutes acceptance of the amended terms.

15. Miscellaneous

  • Entire Agreement. This Agreement constitutes the entire agreement between the parties concerning its subject matter.
  • Severability. If any provision is held invalid, the remaining provisions will remain in full force and effect.
  • Assignment. Affiliate may not assign or transfer its rights or obligations without Company’s prior written consent; Company may assign this Agreement to a successor or affiliate.
  • Notices. Notices must be in writing and delivered to Company at 4123 Vera Dr, Indianapolis, IN 46220 USA, or via email to [email protected], and to Affiliate at the email address on file.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the Effective Date.

Company Signature (optional)
Name: ______________________
Title: ______________________

Affiliate (acceptance recorded electronically via IP address and timestamp)