Terms & Conditions

Privacy Policy

Last Updated on January 7, 2026

PGHDIY LLC (“We,” “Us,” or “Our”) respects Your privacy. This Privacy Policy explains how We collect, use, share, and protect the personal information You provide when You access Our website, purchase Our goods or services, or engage with Us on social media. It also explains Your rights regarding the information We collect.

Please read this Privacy Policy carefully. We will update this Policy periodically, and any changes will be reflected by the “Last Updated” date above. By continuing to use Our website after updates are posted, You agree to the revised terms.

 

INFORMATION WE COLLECT

We collect information from You when You visit Our website, make purchases, or interact with Us on social media. By accepting this Policy, You consent to Our collection, use, processing, and sharing of the following information.

1. Personal Data

Personal Data identifies You specifically, such as:

•  Name
•  Mailing or shipping address
•  Email address
•  Phone number
•  Demographic information (e.g., age, gender, hometown)

You voluntarily provide this information when registering on Our website, making purchases, responding to content, or communicating with Us.

2. Derivative Data

This is information Our servers may automatically collect, including:

•  IP address
•  Browser type
•  Dates and times of access
•  Pages viewed

If You use a mobile device, derivative data may include:

•  Device name and type
•  Country
•  Interactions with Our mobile features

Third-party analytics and advertising providers may also collect derivative data through cookies and similar technologies.

3. Financial Data

Financial Data relates to Your payment information.
Most payment data is processed by third-party payment processors via Kajabi (e.g., SamCart, PayPal, Stripe, Afterpay, Klarna). We store only limited data. Please review their Privacy Policies to understand how they protect Your information.

4. Social Networking Data

If You link or interact with Our website through social media channels (Facebook, Instagram, LinkedIn, etc.), We may receive information such as:

•  Name
•  Username
•  Location
•  Profile photo
•  Public data

Adjust Your social media privacy settings to limit this sharing.

5. Mobile Device Data

We may collect mobile device information such as device ID, model, manufacturer, and location.

6. Other Data

You may also provide additional information if You enter contests, giveaways, or surveys.

 

HOW WE USE YOUR INFORMATION

We use Your information to provide Our products and services, improve Your experience, and operate Our business. Specifically, We may use Your information to:

1.  Create and manage Your account
2.  Deliver products and services
3.  Communicate with You
4.  Process payments and refunds
5.  Send updates and promotional information
6.  Interact with You on social media
7.  Provide customer support
8.  Deliver targeted advertising
9.  Request feedback
10.  Notify You of updates or changes
11.  Resolve disputes
12.  Administer contests or giveaways
13.  Personalize Your experience
14.  Compile anonymous statistical data
15.  Assist law enforcement when required
16.  Prevent fraudulent activity
17.  Analyze trends to improve Our offerings

 

GROUNDS FOR USING AND PROCESSING YOUR DATA

PGHDIY LLC may use Your data based on one or more of the following:

Legitimate Business Interests

Communicating with You, improving Our services, securing Our website, and fulfilling Your requests.

Performance of a Contract

Processing orders and fulfilling agreements You enter with Us.

Consent

Using Your data when You have given Us express permission (e.g., opting into newsletters). You may withdraw consent at any time.

Compliance with Law

Processing data as required to meet legal obligations.

 

WHY WE DISCLOSE YOUR INFORMATION

We may share Your information with third parties for reasons including:

Third-Party Processing

Payment processors, hosting services, email delivery services, customer support tools, and similar providers.

Legal Requirements

Responding to subpoenas, complying with the law, or protecting rights and safety.

Company Protection

Managing risk, obtaining legal advice, or addressing policy violations.

Business Transfers

If We undergo a merger, acquisition, dissolution, or similar event.

Third-Party Marketing

When allowed by You or by law.

Advertisers

Third-party advertisers may use cookies to display relevant ads.

Interactions with Other Users

Group chats, online courses, or other interactive features.

Online Postings

Comments or content You post may be publicly visible.

External Links

We are not responsible for the privacy practices of third-party sites.

 

TRACKING TECHNOLOGIES

We may use:

•  Log files
•  Cookies (essential, functionality, social media, advertising)
•  Pixel tags
•  Email confirmations
•  Other tracking technologies

You may disable cookies in Your browser, though this may affect website functionality.

 

WEBSITE ANALYTICS

We may use Google Analytics, Shopify Analytics, or other tools to understand user behavior. These tools may use cookies or other tracking technologies.

You may opt out using tools like:

•  Google Analytics Opt-Out Browser Add-On
•  Network Advertising Initiative Opt-Out Tool
•  Digital Advertising Alliance Opt-Out Tool

 

PROCESSING YOUR INFORMATION

We generally rely on third-party processors. In some cases, We may process information internally to manage, maintain, and improve Our website or comply with legal obligations.

 

INTERNATIONAL DATA TRANSFERS

If You are located outside the U.S., Your data may be transferred to U.S.-based servers and processors. By using Our website, You consent to this transfer.

Data may also be processed in Canada and other jurisdictions offering adequate data protection.

 

DATA RETENTION

We retain data as long as needed for business, legal, and operational purposes, unless You request deletion. Some data may persist on third-party systems.

 

SECURITY OF YOUR INFORMATION

We take reasonable steps to protect Your data, including using secure servers and encryption for sensitive information. However, no system is completely secure.

We will notify You of any significant data breach.

 

CHILDREN

Our website is not intended for individuals under the legal age of consent in their country. If You believe we have collected such data, please contact Us.

 

SENSITIVE DATA

Please avoid sending Us sensitive information (e.g., social security numbers, health data, religious beliefs). If You do, You consent to its processing under this Policy.

 

YOUR RIGHTS

Depending on Your jurisdiction, You may have rights to:

•  Update Your account information
•  Request access to Your data
•  Request a copy of Your data
•  Withdraw consent
•  Request deletion of Your data
•  Restrict processing
•  Opt out of marketing communications
•  File complaints with a supervisory authority (EU residents)

To exercise rights, contact: [email protected]

 

CALIFORNIA PRIVACY RIGHTS (CCPA)

California residents may request:

•  Details on personal information collected
•  Deletion of collected data
•  Opt-out of data sale (though PGHDIY LLC does not sell personal data)

To submit a request, contact: [email protected]

We will respond within a reasonable timeframe.

 

NEWSLETTER PRIVACY

If You subscribe to Our newsletter, We collect Your name and email. You can unsubscribe at any time. We may maintain a record of past subscribers.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Plain-Language Summary of PGHDIY, LLC Terms & Conditions (Updated Jan 7, 2026)

These Terms & Conditions explain how you may use PGHDIY, LLC’s courses, products, and website. By purchasing or accessing anything from the company, you agree to these rules—even if you haven’t read them. If you disagree, you can contact support to have your access removed.

 

1. Who These Terms Apply To

These rules apply to all PGHDIY LLC online courses and digital offerings. “You” refers to the person using or purchasing a product.

 

2. General Website Use

•  The site is operated by PGHDIY, LLC (Pennsylvania).
•  You use the site at your own risk.
•  Terms can change at any time.

 

3. Age Requirements

•  You must be 18+ to use or purchase any course.
•  If you’re under 18 but old enough to consent to online services in your region, you cannot access the Offering directly—your parent/guardian must do it for you.
•  If you’re below the age of online-consent, you can’t access the Offering at all.
•  Accounts created in violation of these rules will be terminated.

 

4. Intellectual Property

Everything on the website or in the courses—text, images, videos, worksheets, graphics, branding, and more—is owned by PGHDIY, LLC.
You cannot:

•  Copy, reproduce, or share course materials
•  Resell, distribute, or claim the content as your own
•  Alter or recreate the materials for your own products
•  Use any copyrighted or trademarked content without written permission

You may:

•  Access and print/download materials for your own personal use
•  Mention or share public content with clear credit

To use any content beyond this, you must request permission.

 

5. Limited License

When you purchase a course, ebook, or membership, you receive a non-transferable license for personal, non-commercial use only.
You cannot share access with team members or others unless they purchase their own seat.

 

6. Security & Data

•  You must keep your username and password secure.
•  Payments are processed by third-party platforms (Stripe, PayPal, SamCart, Afterpay, Klarna, etc.).
•  You assume all risks related to payment processing.

 

7. Communications

Any message or content you send through the website (contact forms, comments, emails, etc.) is not confidential. The company may republish user-generated content and owns the rights to it.

You agree not to send harmful, obscene, defamatory, or unlawful content.

 

8. Assumption of Risk & Disclaimers

•  All courses and content are for educational and informational purposes only.
•  There are no guarantees of results or income.
•  The company is not providing medical, legal, or financial advice.
•  You use the information at your own risk.

The company is not responsible for:

•  Errors or omissions
•  Technology issues
•  Third-party statements
•  Delays, losses, injuries, or damages of any kind

 

9. Technology & Third-Party Issues

The company uses modern technology but cannot guarantee:

•  uninterrupted service
•  error-free content
•  virus-free websites
•  the performance of platforms operated by others (e.g., Kajabi)

They are not liable for technology failures, force majeure events, or third-party actions.

 

10. Indemnification & Liability Limits

You agree to hold the company harmless from any claims or damages that arise from your use of the materials.

The company’s total liability is capped at:

•  the amount you paid, or
•  $100
  …whichever is less.

You must bring any legal claim within 1 year.

 

11. Affiliates

Some links on the site may be affiliate links. The company is not responsible for anything you purchase through those links.

 

12. Termination of Access

If you violate the Terms, your access may be revoked at any time without notice. Your IP address may also be blocked.

 

13. Payments, Refunds & Collections

Refunds

•  Some courses may include a 30-day money-back guarantee.
•  Refund requests must be submitted by day 30 at 11:59pm EST.
•  After 30 days, no refunds—you must complete any remaining payments.
•  If you used a payment plan and do not request a refund before day 30, you are legally obligated to finish all payments.

Late payments

•  1.5% interest per day starts after 14 days.
•  After 30 days unpaid, the account may be sent to collections.

Chargebacks

You must request a refund before filing a chargeback.
If you attempt a chargeback:

•  you forfeit bonuses and materials
•  the company may provide proof to the bank to dispute it

Recurring Payments

If you join a payment plan, you authorize the company to charge your stored payment method until payments are complete.

 

14. Revoking Your Own Access

You can request to terminate your access, but:

•  termination does not cancel owed payments
•  remaining balances become due immediately
•  unpaid balances after 14 days may go to collections

 

15. Dispute Resolution

Before filing a lawsuit, both parties must attempt good-faith negotiation, then mediation or alternative dispute resolution.

 

16. Non-Disparagement

You cannot publicly slander or disparage the company or its products. Doing so may result in removal and possible legal action.

 

17. Legal Jurisdiction

Any legal issue will be governed by Pennsylvania law.
Legal disputes must be handled in state or federal courts in Allegheny County, PA.

 

18. Entire Agreement & Severability

These Terms + the Privacy Policy form the full agreement.
If any part is invalid, the rest still stands.

19. Contact

Questions: [email protected]

Website Disclaimer – Plain-Language Version

Last updated: January 7, 2026
Applies to all websites, pages, and content owned by PGHDIY LLC.

 

1. General Information Only

This website and everything on it is for informational and educational purposes only. Nothing you read here should be taken as medical, legal, financial, or professional advice of any kind.

If you need expert help, please consult a licensed professional.

 

2. No Professional-Client Relationship

Using this website, reading articles, downloading resources, or accessing any content from PGHDIY LLC does not create a professional relationship between you and PGHDIY LLC.

A formal written agreement is required for any professional services.

 

3. Personal Responsibility

By using this website, you acknowledge and agree that:

•  You alone are responsible for your decisions and actions
•  You use the information at your own risk
•  PGHDIY LLC is not responsible for your results, outcomes, or interpretations

Always do your own research and use your best judgment.

 

4. No Guarantees

Any testimonials, client stories, or examples shared on this site are real experiences, but they are not promises that you will achieve the same results.

Everyone’s background, effort level, and circumstances are different.

 

5. Not Error-Free

While PGHDIY LLC makes every effort to ensure accuracy:

•  We cannot guarantee all information is complete, correct, or up-to-date
•  Errors or omissions may appear
•  Information may be changed or updated at any time

If you find something you believe is incorrect, you can email us at [email protected]

 

6. External Links

This website may contain links to other websites or third-party resources.
These links are provided for convenience only.

PGHDIY LLC does not control these external sites and is not responsible for their content, policies, or practices.
Using outside links is fully at your own risk.

 

7. Affiliate Disclosure

Some links on this site may be affiliate links. This means that PGHDIY LLC may earn a small commission—at no extra cost to you—if you make a purchase through that link.

We only share resources we believe are helpful, but we cannot guarantee your experience with any third-party product.

 

8. No Warranties

All content on the website is provided “as is” without warranties of any kind.
This means we cannot guarantee that:

•  The site will always be available
•  The content is error-free
•  The website will be secure, virus-free, or uninterrupted
•  The information will meet your expectations

Use the site at your own discretion.

 

9. Limitation of Liability

To the fullest extent allowed by law, PGHDIY LLC is not liable for any losses or damages related to:

•  Your use of the website
•  Your reliance on any information provided
•  Errors, technical issues, downtime, or delays
•  Third-party products, services, or links
•  Decisions or actions you make based on the content

You agree that PGHDIY LLC is not responsible for any direct, indirect, incidental, or consequential damages arising from your use of the site.

 

10. No Endorsement

Mentioning or referencing any person, company, product, or service on the website does not imply an endorsement by PGHDIY LLC, unless clearly stated.

 

11. User Conduct

You agree not to post or submit:

•  Illegal, harmful, or abusive content
•  False or misleading statements
•  Spam or malicious links
•  Anything that violates another person’s rights

PGHDIY LLC may remove inappropriate content or restrict site access at its discretion.

 

12. Consent

By using this website, you agree to this Website Disclaimer and accept its terms.

 

13. Updates to This Disclaimer

We may update this Disclaimer at any time. Changes will be reflected in the “Last Updated” date at the top of the page.

 

14. Contact Us

If you have any questions about this Website Disclaimer, please contact us at:
[email protected]

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SHOP POLICIES

For Digital Products & Consulting Services

Last Updated: January 7, 2026

Welcome to our shop! We’re so glad you’re here. Please take a moment to read through our policies before purchasing. These ensure clarity for both of us and help keep your experience smooth, transparent, and positive.

 

1. Digital Products

Instant Access

All digital products—including downloads, templates, workbooks, tools, graphics, and guides—are delivered instantly after checkout. You’ll receive a confirmation email with your download link.

If you don’t see the email within a few minutes, please check your spam or promotions folder.

File Delivery Issues

If a file:

•  won’t download,
•  arrives corrupted, or
•  doesn’t match the description,

please email us at [email protected] and we’ll be happy to help.

Compatible Use

It is your responsibility to ensure that the digital product file types (PDF, PNG, JPG, ZIP, etc.) are compatible with your device and software before purchasing.

 

2. Refunds for Digital Products

Because digital products cannot be “returned,” all digital product sales are final.

Refunds are only considered in rare cases where:

•  the product was purchased twice accidentally
•  there is a technical issue we cannot resolve

If you believe your situation qualifies, contact us at [email protected] within 7 days of purchase.

 

3. Licensing & Usage

Unless otherwise noted, all digital products are for personal use only.
You may not resell, share, transfer, or distribute any digital product.

If you need commercial licensing, email us for written permission.

 

4. Consulting Services (By Appointment Only)

Booking

Consulting services must be booked in advance through our scheduling page.
Payment may be required upon booking depending on the service.

Rescheduling

You may reschedule your appointment up to 24 hours before your session.
Rescheduling within 24 hours may result in forfeited session time or a rescheduling fee, depending on availability.

Cancellations

Because session time is reserved exclusively for you:

•  Cancellations made more than 24 hours in advance:
  Eligible for a credit toward a future session.
•  Cancellations made within 24 hours or no-shows:
  Are not refundable and not creditable, as the time was held for you.

Late Arrivals

Sessions begin and end at the scheduled time.
Late arrivals cannot be extended beyond the originally booked time slot.

 

5. Service Refunds

Refunds for consulting services are not provided, as these are time-based appointments.
If you’re unhappy with your session, email us—your experience matters, and we always want to make it right.

 

6. Payment Methods

We accept major credit and debit cards, and payments are processed securely through third-party processors such as Kajabi via Stripe, Klarna, Afterpay, or PayPal etc.

Your full payment information is never stored on our servers.

 

7. Taxes

Sales tax is applied automatically where required by law, based on your location and the type of product purchased.

 

8. Order Issues

If there is any issue with your order—technical, delivery-related, or access-related—please reach out to us within 7 days and we will assist promptly.

Contact: [email protected]

 

9. No Chargebacks

Because we provide instant digital access and committed service time for consulting, you agree to contact us with any concerns before initiating a chargeback.

We reserve the right to provide proof of delivery, access logs, and service records to your financial institution.

 

10. Intellectual Property Rights

All digital content, materials, templates, and resources are owned by PGHDIY LLC.
You agree not to copy, alter, sell, or distribute these materials.

Unauthorized distribution may result in copyright enforcement.

 

11. Updates to Products or Services

We may update, improve, or modify digital products or services at any time.
Customers who purchased previously may or may not receive updates depending on the product’s terms.

 

12. Contact

For any questions about your order, downloads, consulting sessions, or policies, please reach out anytime:

[email protected]

We’re here to help!

 

 

 

 

 

 

 

 

 

 

STORE FAQ (Digital Products + Consulting Services)

What kind of products do you sell?

We offer digital downloads (templates, guides, tools, and resources) and consulting sessions available by appointment only.

 

How do I receive my digital download?

Right after checkout, you’ll receive an email with a download link. It’s instant—no waiting.

If you don’t see it, check your spam or promotions folder.

 

Do you offer refunds on digital products?

Because digital files can’t be returned, all digital product sales are final.
If you purchased something twice by accident or have a technical issue, email us at vince@pghdiy.com and we’ll take care of you.

 

Can I share or resell the digital products?

No. All downloads are for personal use only unless otherwise stated.
Reselling, redistributing, or sharing files is not allowed.

 

What if I can’t open the file?

We’re happy to help! Email us at [email protected] and we’ll troubleshoot the issue.

 

How do consulting sessions work?

Consulting is available by appointment only.
Simply book through our scheduling page, and you’ll receive confirmation details.

 

What’s your cancellation policy for consulting?

•  More than 24 hours’ notice: You can reschedule or receive credit toward a future session.
•  Less than 24 hours’ notice or no-shows: The session is non-refundable.

 

Do you offer refunds on consulting services?

Consulting is a time-based service, so all bookings are non-refundable.
If you’re unhappy with your experience, please reach out—we always want to support you.

 

What payment methods do you accept?

We accept major credit/debit cards. Payments are processed securely through Kajabi, and our third-party processors (like Stripe, Klarna, Afterpay, or PayPal).

 

Will I be charged sales tax?

Sales tax is added when required by your local laws.

 

What if something went wrong with my order?

We’re here to help. Contact us within 7 days at [email protected] and we’ll sort things out quickly.

 

Can I dispute a charge through my bank?

Please contact us first. We can resolve 99% of issues faster than a bank dispute.