Terms of Service

Last updated: March 26, 2026

1. Agreement to Terms

By accessing or purchasing any product from the Spencer Wealth Series ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not purchase or use our products.

2. Products and Services

The Spencer Wealth Series offers digital educational products, including ebooks, spreadsheets, and guides authored by Vivian Bernstein. All products are delivered digitally and are available for immediate download upon purchase.

3. Purchase and Payment

All prices are listed in US dollars (USD).
Payment is processed securely through our third-party payment provider at the time of purchase.
You will receive access to your purchased products immediately after payment is confirmed.
Promotional pricing is subject to change at any time without notice.

4. Digital Product License

Upon purchase, you are granted a personal, non-transferable, non-exclusive license to access and use the purchased digital products for your own personal and educational use. You may not:

Redistribute, resell, share, or give away the products to any third party.
Reproduce, duplicate, or copy the products for commercial purposes.
Modify, adapt, or create derivative works based on the products.
Upload the products to any file-sharing platform or public repository.

5. Intellectual Property

All content, branding, text, graphics, and materials within the Spencer Wealth Series products are the intellectual property of Vivian Bernstein and are protected by applicable copyright and intellectual property laws. Unauthorized use or reproduction is strictly prohibited.

6. Disclaimer

The Spencer Wealth Series products are for educational and informational purposes only. They do not constitute financial, investment, legal, or tax advice. Results described in our materials are not typical and depend on individual effort, circumstances, and market conditions. You should consult with qualified professionals before making any financial decisions.

We make no guarantees or warranties regarding specific financial outcomes or results from using our products.

7. Limitation of Liability

To the maximum extent permitted by law, Vivian Bernstein and the Spencer Wealth Series shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our products, regardless of the cause of action or theory of liability.

8. Refund Policy

We offer a 30-day money-back guarantee on all purchases. Please see our Refund Policy for full details.

9. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our products after changes are posted constitutes your acceptance of the revised terms.

10. Contact

If you have questions about these Terms of Service, please contact us through our website.