Terms & Conditions

These Terms & Conditions (the “Terms”) set out the rules and legal conditions under which you may access and use the website available at incomeskilllab.com (the “Website”) and purchase any digital products, digital content, and related services that are offered through the Website. The Website is operated by Kristian Snaczke, acting as a sole proprietor under the laws of the Federal Republic of Germany, with the business address Steinhuegel 21, 58455 Witten, Germany. You may contact the operator at info@incomeskilllab.com.

By visiting the Website, placing an order, completing a purchase, downloading digital content, or otherwise using the Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must not use the Website or purchase any digital products offered on it.

These Terms are written in English and are intended to apply to customers worldwide. The operator conducts business from Germany. Where mandatory consumer protection rules in your country of residence provide you with additional rights that cannot be excluded by contract, those rights remain unaffected. Nothing in these Terms is intended to unlawfully restrict such mandatory rights.

1. Purpose and scope of these Terms

The purpose of these Terms is to define the contractual relationship between you as a customer and the operator as the provider of digital products and digital content. These Terms apply to any and all purchases made through the Website, including one-time purchases and any form of access to downloadable or otherwise electronically supplied digital content. They also apply to the general use of the Website, including browsing content, submitting inquiries, and accessing any areas that may require login credentials, where applicable.

If you are purchasing as a business customer, entrepreneur, or self-employed person acting within the scope of your commercial or professional activity, you confirm that you are not buying as a consumer. If you are buying for personal use, you are considered a consumer under applicable consumer protection laws. Certain provisions of these Terms apply differently depending on whether you are a consumer or a business customer, particularly in relation to the right of withdrawal, jurisdiction, and certain liability standards. Where such distinctions are relevant, these Terms clarify them. If no distinction is stated, the provision applies to both.

The Website is generally accessible worldwide. The operator does not represent or warrant that the Digital Products are lawful or appropriate in every jurisdiction. You are responsible for ensuring that your access to the Website and purchase of Digital Products is permitted under the laws applicable to you.

2. Information about the digital products and how they are provided

The operator offers digital products and digital content for purchase (“Digital Products”). Digital Products may include, for example, eBooks, PDF documents, templates, downloadable files, written guides, structured materials, or other intangible digital resources. Digital Products are not delivered on a physical medium. They are supplied electronically after successful payment, typically by making a download link available, granting access through a user account if such a feature is offered, or delivering access details via email.

All descriptions, representations, and statements relating to Digital Products on the Website are intended to provide a realistic understanding of what you will receive. While the operator makes reasonable efforts to ensure that product descriptions are accurate and complete, minor deviations may occur, for example due to updates, improvements, formatting differences between devices, or changes that do not materially reduce the value of the Digital Product for its intended purpose.

Where Digital Products contain information about business, marketing, monetization, productivity, online operations, or income-related topics, such information is provided for educational and informational purposes only. You understand that results depend on many factors outside the operator’s control, including your effort, experience, decision-making, market conditions, competition, regulatory environments, and personal circumstances. For that reason, no specific outcome, financial result, income level, profitability, conversion rate, or business success is promised or guaranteed. Any figures, scenarios, examples, or references to potential results are illustrative and do not constitute assurances that you will achieve comparable outcomes.

Nothing made available through the Website or the Digital Products constitutes legal advice, tax advice, financial advice, or any other professional advice. If you require professional advice, you are responsible for consulting qualified professionals.

3. Ordering process and conclusion of the contract

The presentation of Digital Products on the Website does not constitute a legally binding offer. Instead, it is an invitation for you to submit an order. When you select a Digital Product and proceed through the checkout process, you will have the opportunity to review your order details before completing payment.

By clicking the final purchase button or otherwise confirming your intent to purchase and submitting payment, you make a binding offer to enter into a purchase agreement for the selected Digital Product under these Terms. The contract is concluded when payment has been successfully processed and the operator provides access to the Digital Product, for example by displaying a confirmation page with access instructions, providing a download link, granting account access, or sending an email confirmation containing access information.

The operator reserves the right to refuse orders in exceptional cases, for example if there is a reasonable suspicion of fraudulent activity, misuse of payment methods, violation of these Terms, chargeback abuse patterns, or technical errors affecting pricing or product availability. If an order is refused after payment has been initiated, any received payment will be refunded through the original payment method as soon as reasonably possible, unless the operator is legally entitled to withhold funds due to substantiated misuse, fraud, or outstanding payment disputes.

4. Prices, currency, and taxes (including VAT where applicable)

All prices shown on the Website are displayed and charged exclusively in United States Dollars (USD). USD is the contractual currency for purchases made through the Website. If your bank, card issuer, or payment provider displays a converted amount in another currency, such conversion is performed independently by that provider and is outside the operator’s control. Any exchange rate, conversion fee, or foreign transaction fee is your responsibility.

As the operator is based in Germany and supplies digital services internationally, tax treatment can depend on your location and your customer status (consumer vs. business). For customers located in the European Union, value added tax (VAT) may be charged in accordance with applicable EU rules for electronically supplied services, including rules requiring VAT to be determined by the customer’s location. For customers outside the EU, local taxes, duties, levies, or similar charges may apply depending on the jurisdiction in which you are located. You understand and agree that you are responsible for complying with any local tax obligations that may apply to you.

Where taxes must be charged or collected, the operator may rely on location and billing information provided during checkout and on tax calculation tooling configured through the payment provider. However, the operator remains the contracting party and remains responsible for its own tax compliance under applicable German and EU regulations. You are responsible for providing accurate billing details. If you provide inaccurate information about your status or location and this leads to incorrect taxation, you may be responsible for resulting consequences or additional charges to the extent permitted by law.

5. Payments and the role of Stripe as payment service provider

Payments on the Website are processed via Stripe and its affiliated entities (“Stripe”). When you choose a payment method and submit your payment details, you are interacting with Stripe’s payment infrastructure. Stripe may process your payment information according to its own terms, policies, and security standards. The operator does not store complete payment card data on its own servers. Payment details are handled through Stripe’s systems.

By completing a purchase, you authorize Stripe to charge your selected payment method for the total amount shown during checkout. If Stripe indicates that the payment has failed, been reversed, been blocked for security reasons, or otherwise has not been completed, the operator is under no obligation to provide access to the Digital Product. In such cases, you may attempt payment again using a different method, or you may contact Stripe or the operator to clarify the cause of the failure.

If a chargeback, payment dispute, reversal, or unauthorized payment claim is initiated, the operator reserves the right to temporarily suspend access to the Digital Product and any associated services until the dispute is resolved. This protective measure is intended to prevent misuse and does not affect any mandatory rights you may have under applicable consumer protection law. If a dispute is resolved in favor of the operator, the operator may, to the extent permitted by law, maintain suspension until any outstanding amounts, chargeback fees, dispute-related costs, or administrative expenses that are attributable to the customer’s dispute are settled.

Where a customer initiates a chargeback without first contacting the operator to request support or a refund under the voluntary guarantee described in these Terms, the operator may treat such behavior as an indicator of misuse. This may result in refusal of future purchases, termination of licenses, and additional protective steps, provided that such measures comply with mandatory legal requirements.

6. Delivery, access, and your responsibilities when receiving digital content

Because the products offered are digital, delivery occurs electronically. Delivery is considered complete when the operator has made the Digital Product available to you in a reasonable manner, for example through a download link, an access area on the Website, or via email. If the Digital Product is delivered via email, you are responsible for ensuring that the email address you provide is correct and that you can receive emails from the operator. You should also check spam or junk folders if you do not receive a delivery email within a reasonable time after payment confirmation.

You are responsible for ensuring that your devices and software are capable of opening and using the Digital Product in the provided format. Unless otherwise specified, Digital Products are typically provided in common formats such as PDF, DOCX, ZIP, or similar. If you experience technical difficulties accessing the Digital Product, you should contact the operator with sufficient details so that reasonable assistance can be provided, such as re-sending a link or clarifying access instructions. The operator is not responsible for issues caused by your internet connection, incompatible software, blocked emails, or device limitations, provided the Digital Product itself has been delivered properly and is not defective.

Where the operator provides access links, account access, or credentials, you agree to keep such access confidential if it is intended for personal or internal use only. Any unauthorized sharing or redistribution undermines the integrity of the Digital Product and may lead to suspension of access and legal enforcement of intellectual property rights.

7. Cancellation Policy: statutory withdrawal rights and waiver for digital content; voluntary 14-day money-back guarantee

This section is the Website’s Cancellation Policy as referenced during checkout. It explains, first, statutory withdrawal rules that may apply (in particular for EU consumers), and second, the operator’s voluntary commercial guarantee which is granted independently of statutory withdrawal law. Where these rules overlap, the intention is to provide a clear and consistent framework that avoids contradictions and provides predictable handling of cancellations and refunds.

If you are a consumer residing in the European Union, you generally have a statutory right to withdraw from distance contracts within fourteen (14) days without giving reasons. However, for digital content that is not supplied on a tangible medium, special rules apply. You understand and agree that when you purchase Digital Products and request immediate access or download, the operator begins performing the contract immediately. Under EU consumer law, your right of withdrawal expires once performance has begun, provided that you have (i) expressly consented to the immediate supply of the digital content before the end of the withdrawal period and (ii) acknowledged that you thereby lose your right of withdrawal.

Accordingly, by purchasing a Digital Product and, during checkout, actively confirming that you consent to immediate performance and waive your right of withdrawal for the digital content, you expressly consent to the immediate supply of the Digital Product and acknowledge that you lose your statutory right of withdrawal once performance begins. If such consent and acknowledgment were not validly obtained for any reason, your mandatory statutory rights remain unaffected.

Independently of statutory withdrawal rights, the operator grants a voluntary 14-day money-back guarantee as a commercial goodwill policy. This voluntary guarantee applies for fourteen (14) calendar days from the date of purchase. During this period, you may request a refund without stating reasons by contacting the operator in writing via the email address provided in these Terms and providing sufficient information to identify the purchase. The operator will generally honor properly submitted refund requests within the guarantee period.

Because the guarantee is voluntary and designed to be fair while preventing misuse, the operator reserves the right to refuse or limit refund requests in situations indicating abuse, including repeated refund requests by the same customer, systematic patterns suggesting the guarantee is used as a “free access” mechanism, fraudulent behavior, or cases where a customer initiates a chargeback or payment dispute before contacting the operator to request support or a refund. Where a chargeback is initiated, the operator may require the chargeback to be withdrawn and resolved before a refund request is processed, to avoid duplicate reversals and to ensure the transaction is handled in a controlled manner.

If a refund is granted, it will be processed via the original payment method. You understand that the operator has no control over banking or card processing times once a refund is initiated. This voluntary guarantee does not create a statutory right and may be modified or withdrawn for future purchases at any time. The voluntary money-back guarantee does not apply where statutory withdrawal rights have already expired due to valid waiver and full performance, except to the extent expressly granted as a commercial goodwill policy under this section. The version of the guarantee in effect at the time of purchase governs that purchase.

8. Refunds, defects, and resolution of issues

Due to the nature of digital content and because digital files can be copied after delivery, refunds are not owed merely because a customer changes their mind, purchased by mistake, or did not meet subjective expectations, provided that the Digital Product corresponds materially to the description offered on the Website and was delivered correctly. This baseline rule applies subject to mandatory consumer protection laws and subject to the voluntary money-back guarantee described above.

At the same time, the operator recognizes that legitimate issues may arise. If the Digital Product is defective, materially incomplete compared to its description, corrupted, or inaccessible due to a technical fault attributable to the operator, you are entitled to request a remedy. Remedies may include re-delivery, provision of a corrected file, provision of an alternative access method, or other reasonable corrective actions. If a defect cannot be remedied within a reasonable time, you may be entitled to further rights under applicable law, which can include reduction of price or refund.

To request support, you must contact the operator and describe the issue in sufficient detail, including your order confirmation and any relevant technical information. The operator will make reasonable efforts to resolve the issue efficiently and fairly. If the operator confirms that the defect is attributable to the operator and cannot be remedied, a refund may be granted and processed through the original payment method unless another method is legally required.

9. Intellectual property, licensing, and permitted use

All Digital Products, Website content, and materials are protected by copyright and other intellectual property laws. This includes, without limitation, text, design elements, branding, layouts, graphics, downloadable files, and the selection and arrangement of content, unless explicitly stated otherwise.

When you purchase a Digital Product, you do not acquire ownership rights. Instead, you receive a limited license to use the Digital Product under these Terms. This license is non-exclusive, non-transferable, and non-sublicensable. It is granted solely for your personal use or, if you are a business customer, for your internal business use, unless the product description explicitly allows broader use.

You are not permitted to reproduce, distribute, resell, sublicense, share, publish, upload, or otherwise make the Digital Product available to third parties, whether for free or for compensation, unless you have obtained prior written permission from the operator. You are also not permitted to modify the Digital Product for redistribution or to remove copyright notices, watermarks, or other identifiers. Any unauthorized use may result in immediate termination of your license, suspension of access, and legal action for infringement and damages.

If a Digital Product includes templates, frameworks, or materials intended to be adapted for your personal or internal business use, you may edit them for that purpose, but you may not distribute the original or modified materials to third parties unless the Digital Product explicitly states that redistribution is permitted.

10. Prohibited conduct and misuse prevention

You agree to use the Website and Digital Products in a lawful manner and in accordance with these Terms. Any attempt to circumvent security measures, access restricted areas without authorization, reverse engineer protected content, scrape or extract content in an automated manner, exploit vulnerabilities, or otherwise interfere with the Website’s operation is prohibited.

If the operator provides account-based access, you are responsible for maintaining the confidentiality of your login credentials. You must not share credentials with others or allow third parties to access Digital Products through your account. If you suspect unauthorized access, you should notify the operator promptly.

The operator reserves the right to take reasonable technical and legal measures to prevent misuse and to protect intellectual property, including disabling access links, limiting downloads, suspending access, refusing future transactions, and enforcing rights where necessary. Such measures will be applied in a proportionate manner and in compliance with mandatory legal requirements.

11. Non-Reliance and basis of the contractual relationship

You acknowledge and agree that your decision to purchase any Digital Product is made independently and is not based on any representation, statement, promise, projection, estimate, or expectation that is not expressly set out in these Terms or in the formal product description as displayed on the Website at the time of purchase.

You confirm that you are not relying on any oral statements, informal communications, promotional materials, social media posts, advertisements, testimonials, case studies, examples of results, or other marketing content as a legally binding assurance of specific outcomes. Any such materials are provided for general informational or illustrative purposes only and do not constitute contractual guarantees unless expressly incorporated into the contract in writing.

You further acknowledge that you have conducted your own assessment of the suitability of the Digital Product for your purposes and that you assume full responsibility for your use of the Digital Product. To the extent permitted by law, you waive any claim based on alleged reliance on representations not expressly contained in these Terms or in the formal product description.

12. Disclaimer regarding results, earnings, and performance expectations

Without limiting the generality of the foregoing provisions, the operator expressly disclaims any representation or warranty that the use of any Digital Product will lead to specific financial, commercial, professional, or personal results.

Where Digital Products address topics such as online business development, monetization strategies, marketing techniques, operational structures, productivity systems, digital product creation, or similar subjects, you understand that success in such fields depends on numerous independent variables. These variables include, but are not limited to, market demand, competitive landscape, timing, execution quality, individual skill, available capital, regulatory requirements, technological developments, and macroeconomic conditions.

No guarantee is made that you will generate revenue, achieve profitability, reach a particular income level, increase conversion rates, reduce costs, or achieve any other measurable result. Any examples of earnings, performance figures, or business outcomes are hypothetical or illustrative in nature and do not represent typical or guaranteed results.

You agree that the operator shall not be liable for any financial loss, loss of opportunity, or business underperformance arising from your implementation, interpretation, or application of the Digital Product. The purchase of a Digital Product does not create any partnership, joint venture, agency relationship, or fiduciary duty between you and the operator.

13. Limitation of liability and liability cap

To the fullest extent permitted by applicable law, the operator’s liability for damages arising out of or in connection with these Terms, the Website, or any Digital Product is limited as follows.

The operator shall be liable without limitation for damages resulting from intentional misconduct or gross negligence, and for damages arising from injury to life, body, or health caused by negligence or intent. Liability under mandatory statutory provisions, including but not limited to product liability laws where applicable, remains unaffected.

In cases of simple negligence, the operator shall be liable only for breach of essential contractual obligations. Essential contractual obligations are those obligations whose fulfillment is necessary for the proper performance of the contract and on which you regularly rely. In such cases, liability is limited to foreseeable damages that are typical for this type of contract at the time of conclusion.

To the extent permitted by law, the operator’s total aggregate liability for all claims arising from or related to a specific Digital Product shall not exceed the purchase price actually paid by you for that Digital Product.

To the fullest extent permitted by law, the operator shall not be liable for indirect damages, consequential damages, incidental damages, special damages, punitive damages, loss of profits, loss of revenue, loss of data, loss of business opportunity, reputational damage, or business interruption, even if the operator has been advised of the possibility of such damages.

Because the Digital Products are supplied electronically and downloaded or accessed through your own devices, you are responsible for maintaining adequate data backup and security measures. The operator shall not be liable for loss of data where such loss could have been avoided through reasonable data protection practices on your part.

If you are a business customer, additional limitations may apply to the extent permitted by law.

14. Website availability, maintenance, and modifications

The operator endeavors to keep the Website accessible and operational. However, uninterrupted availability cannot be guaranteed. Temporary interruptions may occur due to maintenance, updates, technical issues, hosting provider disruptions, security measures, or circumstances beyond the operator’s reasonable control.

Such temporary interruptions do not constitute a breach of contract unless they result from intentional misconduct or gross negligence. The operator shall not be liable for losses resulting from temporary unavailability of the Website, provided mandatory legal rights remain unaffected.

The operator reserves the right to modify, update, improve, or discontinue aspects of the Website or Digital Products where necessary for technical, legal, or operational reasons. Updates to Digital Products that correct errors or improve clarity do not entitle you to refunds unless they materially reduce the value of the purchased Digital Product.

The purchase of a Digital Product does not create any obligation on the part of the operator to provide ongoing updates, upgrades, revisions, new versions, maintenance, support services, or future enhancements unless such obligation is expressly stated in writing at the time of purchase. Digital Products are provided as they exist at the time of sale. Any future improvements, expansions, additional materials, or updated editions may be offered separately at the operator’s discretion and may be subject to additional payment. The absence of updates or modifications shall not constitute a defect, provided the Digital Product corresponds materially to its description at the time of purchase.

15. Termination of license and enforcement of rights

If you materially breach these Terms, particularly by infringing intellectual property rights, distributing Digital Products unlawfully, engaging in fraudulent behavior, or misusing payment mechanisms, the operator may terminate your license to use the Digital Product and suspend or permanently revoke access without prior notice, where legally permissible.

Termination does not affect any claims for damages or other legal remedies the operator may have as a result of the breach.

If you are a consumer, enforcement measures will be applied proportionately and in compliance with mandatory consumer protection law.

16. Governing law and jurisdiction

These Terms and any disputes arising from or in connection with them are governed by the laws of the Federal Republic of Germany, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG), as the contract concerns digital content rather than the sale of physical goods.

If you are a consumer residing within the European Union, this choice of law does not deprive you of mandatory consumer protection provisions of the country of your habitual residence insofar as such provisions cannot be waived by agreement.

If you are purchasing as a business customer, the exclusive place of jurisdiction for all disputes arising from or in connection with these Terms shall be the registered place of business of the operator in Germany, unless mandatory statutory provisions provide otherwise.

17. Entire agreement

These Terms constitute the entire agreement between you and the operator regarding the purchase and use of Digital Products and supersede all prior or contemporaneous communications, negotiations, understandings, representations, or agreements, whether oral or written, relating to the subject matter.

No amendment or modification of these Terms shall be valid unless made in writing and published by the operator in an updated version. No oral statements, informal communications, or external materials shall alter the legally binding nature of these Terms unless expressly incorporated.

18. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the economic intent and legal purpose of the original provision, to the extent legally permissible.

19. Amendments

The operator reserves the right to amend these Terms for future transactions in order to reflect changes in law, regulatory requirements, technical developments, or operational adjustments. The version of the Terms in effect at the time you place your order shall govern that specific purchase.

20. Contact information

If you have questions regarding these Terms, your order, delivery of Digital Products, or any related matter, you may contact:

Kristian Snaczke
Steinhuegel 21
58455 Witten
Germany
Email: info@incomeskilllab.com