Terms of Service & Refund Policy

1. Acceptance of Terms

By accessing or using fourthgenformula.com (the "Website") and purchasing our products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website or purchase our products.

2. Products & Services

The Fourth Generation Formula offers the following products:

• The Builder's Creed (Book): Physical book shipped to your address
• The Fourth Generation Workbook: Digital PDF download and/or physical workbook
• Bundle Package: Combination of book and workbook at a discounted price

Product descriptions, images, and pricing are subject to change without notice. We reserve the right to limit quantities and discontinue products at any time.

3. Educational Content Disclaimer

IMPORTANT: All content (books, workbook, videos, website, posts) is provided for educational and informational purposes only.

• This content is NOT professional advice (legal, financial, business, psychological, or otherwise)
• Results are not guaranteed - Your success depends on your own effort, skills, circumstances, and factors beyond our control
• Case studies and examples are for illustrative purposes and may not represent typical results
• You are solely responsible for your own decisions and actions based on this content
• Consult with qualified professionals before making significant business or personal decisions

By using this content, you agree that The Fourth Generation Formula is not responsible for decisions made or actions taken based on this content.

4. Intellectual Property

All content on this Website and in our products (text, graphics, logos, images, book content, workbook materials) is the property of Kable Record and The Fourth Generation Formula and is protected by copyright laws.

You MAY:

• Use purchased products for your personal, non-commercial use
• Print workbook pages for your own use
• Share general recommendations of the book with others

You MAY NOT:

• Reproduce, distribute, or resell our content
• Share PDF copies of digital products with others
• Use our content for commercial purposes without written permission
• Claim our work as your own

5. Payment & Pricing

All payments are processed securely through Stripe. By providing payment information, you:

• Confirm you are authorized to use the payment method
• Authorize us to charge the stated amount
• Acknowledge that prices are in USD and subject to change
• Agree not to initiate a chargeback without first contacting us to resolve any issue

Payment must be received before products are shipped or digital content is delivered.

6. Shipping & Delivery

Physical Products: We ship to addresses within the United States. Shipping times vary by location (typically 5-10 business days). You are responsible for providing an accurate shipping address.

Digital Products: Digital downloads (PDFs) are typically delivered via email within 24 hours of purchase.

We are not responsible for shipping delays caused by carriers, weather, or other circumstances beyond our control.

7. Limitation of Liability

To the fullest extent permitted by law:

• The Fourth Generation Formula and Kable Record shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid for the product
• We make no warranties or guarantees about results, outcomes, or business success
• You use our content at your own risk

8. User Conduct

You agree NOT to:

• Use our Website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Share login credentials or digital products
• Violate any intellectual property rights
• Post harmful, offensive, or misleading content (if applicable)

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Website after changes constitutes acceptance of the modified terms.

10. Governing Law

These Terms of Service are governed by the laws of the United States. Any disputes shall be resolved in the appropriate courts within the United States.

Our Commitment to You

We stand behind the quality of our products. If you're not satisfied, we want to make it right.

Physical Products (Books & Workbooks)

30-Day Money-Back Guarantee

• If you're unsatisfied with your purchase, you may request a refund within 30 days of delivery
• Products must be returned in good condition (minimal wear, no significant damage)
• You are responsible for return shipping costs unless the product was defective or damaged upon arrival
• Refunds will be processed within 7-10 business days after we receive the returned item

Damaged or Defective Products:

• If your product arrives damaged or defective, contact us within 7 days of delivery
• We will provide a replacement at no cost or issue a full refund (including original shipping)
• We may request photos of the damage

Digital Products (PDF Downloads)

7-Day Refund Window

• Due to the nature of digital products, refunds are available within 7 days of purchase
• To request a refund, contact us explaining why the product didn't meet your expectations
• Refunds are granted for legitimate concerns based on reasonable expectations
• We reserve the right to deny refunds for suspected abuse (multiple purchases/refunds, etc.)

Bundle Purchases

If you purchased a bundle (book + workbook):

• Physical items follow the 30-day policy (must be returned)
• Digital items follow the 7-day policy
• Partial refunds may be issued if only one component is being returned

How to Request a Refund

To request a refund, contact us via our Contact Page and include:

• Your order number
• Reason for the refund request

For physical products, we will provide return shipping instructions. Once approved, refunds are processed within 7-10 business days and issued to the original payment method.

Non-Refundable Items

The following are NOT eligible for refunds:

• Products purchased more than 30 days ago (physical) or 7 days ago (digital)
• Products that have been significantly damaged or altered by the customer
• Free bonus content or promotional items
• Shipping costs (unless product was defective)

Questions?

If you have any questions about our refund policy or need assistance with a return, please contact us:

Contact:Submit a message via our Contact Page

We're committed to making things right and ensuring you have a positive experience with The Fourth Generation Formula.