Terms of Service

1. Introduction: These Terms of Service govern your use of the Hood Consumer Advisors website and all related platforms (collectively, "Website"). By accessing or using the Website, you agree to be bound by these Terms of Service in their entirety. If you disagree with these Terms of Service or any part of them, you must not use the Website.

2. Intellectual Property Rights: Unless otherwise stated, Hood Consumer Advisors and/or its licensors own all intellectual property rights in the Website and material on the Website. All these intellectual property rights are reserved.

3. License to Use Website: The content provided on this Website is for personal use only. Actions such as copying, distributing, reproducing, downloading, displaying, or transmitting any of the content of this Website are strictly prohibited.

  • You are not permitted to download, store, print, or disseminate any part of the content found on the Website. This prohibition includes but is not limited to the illegal replication of our digital courses, graphics, and any proprietary information.

  • Violation of this clause will result in immediate termination of access to the Website, and may further lead to legal action.

4. Acceptable Use: You must not use the Website in any manner that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website; any action that is unlawful, illegal, fraudulent, or harmful is strictly prohibited.

5. Restricted Access: Access to certain areas of the Website is restricted. Hood Consumer Advisors reserves the right to restrict access to other areas of the Website, or indeed the entire Website, at Hood Consumer Advisors' discretion.

6. User Content: In these Terms of Service, “your user content” means material (including without limitation text, images, audio material, video material, and audio-visual material) that you submit to this Website, for whatever purpose. You grant Hood Consumer Advisors a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your user content in any existing or future media.

7. No Warranties: This Website is provided “as is” without any representations or warranties, express or implied. Hood Consumer Advisors makes no representations or warranties in relation to this Website or the information and materials provided on this Website.

8. Limitations and Exclusions of Liability: Hood Consumer Advisors will not be liable to you (whether under the law of contact, the law of torts, or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this Website for any indirect, special, or consequential loss; or for any business losses, loss of revenue, income, profits, or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

9. Transactions: All transactions relating to the purchase of intangible products, digital courses, downloadable content, or content streamed through the Website are final and non-refundable. By making these transactions, you agree that you are purchasing digital, non-tangible goods and as such are not entitled to a refund for any reason.

10. Chargebacks: Any customer who disputes a credit card payment that is found to be valid will be permanently blacklisted and barred from use of the Website. Any past due fees and costs will be sent to collections. If our collection efforts fail, unpaid debts will be reported to all available credit reporting agencies.

11. Breaches of These Terms of Service: Without prejudice to Hood Consumer Advisors' other rights under these Terms of Service, if you breach these Terms of Service in any way, Hood Consumer Advisors may take such action as Hood Consumer Advisors deems appropriate to deal with the breach, including suspending your access to the Website, prohibiting you from accessing the Website, and bringing court proceedings against you.