MASTER POLICY & TERMS OF USE LEGAL DOCS.

Digital Wolf Nexus AI™ & Smart Tech Academy

This Master Policy governs all products, services, AI agents, applications, prompts, templates, courses, software, downloads, communities, and digital assets (collectively, the “Products”).

By purchasing, accessing, downloading, or using any Product, you legally agree to these terms in full.

1. PRODUCT NATURE

All Products are:

• 100% digital (no physical delivery)

• Educational, informational, and strategic in nature

• Focused on AI, automation, marketing, and business systems

• Delivered via platforms such as Skool, Substack, direct download, or proprietary systems

Non-Negotiable:

• No guarantees of income, results, or business success

• AI outputs are probabilistic and require human validation

• You are solely responsible for execution and outcomes

2. EDUCATIONAL PURPOSE ONLY

All content is provided strictly for:

• Education

• Information

• Strategy

We do not provide:

• Financial advice

• Legal advice

• Tax advice

• Medical advice

• Investment advice

Examples, case studies, and testimonials are illustrative only not

promises of results.

3. LICENSE & INTELLECTUAL PROPERTY

All Products, systems, prompts, frameworks, and materials are the exclusive property of Smart Tech Academy Digital Wolf Nexus™.

You are granted a:

• Personal

• Non-transferable

• Non-exclusive

• Revocable license

You MAY:

• Use within your business

• Use outputs for client work

• Customize for internal workflows

You MAY NOT:

• Resell or redistribute Products

• White-label without written approval

• Claim ownership of systems or frameworks

• Reverse-engineer agents or logic

• Create competing products from this IP

Ownership remains with us at all times.

RESELLER LICENSE SUMMARY

Roadmap Rebellion™

1. LICENSE TERMS

• 18+ required

• $99 activation (non-refundable where applicable)

License is:

• Non-exclusive

• Non-transferable

• Revocable

You receive resale rights only not ownership.

4. AI USAGE DISCLAIMER

AI tools are assistive systems, not decision-makers.

You are responsible for:

• Reviewing all outputs

• Ensuring legal compliance

• Editing and validating before use

Commercial use of outputs is allowed only within your license rights.

5. REFUND POLICY

• All sales are final (instant digital delivery)

• No refunds, except:

  • Duplicate charges

  • Verified access failure (reported immediately)

Access = fulfillment.

Unauthorized chargebacks will result in:

• Immediate access termination

• Legal recovery of damages

6. USER RESPONSIBILITIES

You agree NOT to use Products to:

• Mislead or deceive

• Automate illegal or harmful actions

• Bypass platform safeguards

• Recreate or resell course materials

Violations = immediate termination + legal action

7. EARNINGS & AFFILIATE DISCLOSURE

• Affiliate links may be included

• Commissions may be earned

No income guarantees. Ever.

Results depend on:

• Skill

• Effort

• Execution

• Market conditions

• Consistency

These Products are tools not shortcuts.

8. PRIVACY & DATA PROTECTION

We comply with:

• NZ Privacy Act 2020

• GDPR (where applicable)

• CCPA (where applicable)

We collect only necessary data:

• Name

• Email

• Billing details

• Access logs

• Support communication

Used strictly for:

• Delivering Products

• Processing payments

• Providing support

• Legal compliance

We do not sell or rent your data.

9. SECURITY & DATA RETENTION

• Industry-standard safeguards applied

• Data retained only as required for:

  • Service delivery

  • Compliance

  • Legal protection

Data is securely deleted or anonymized when no longer needed.

10. AGE REQUIREMENT

Products are strictly for users 18+.

We do not knowingly collect data from minors.

11. WHITE-LABEL & ENTERPRISE USE

Only users with explicit licensing may:

• Rebrand Products

• Resell systems

• Deploy commercially under their brand

All underlying IP remains ours.

12. INTERNATIONAL USE

Products may be accessed globally.

You are responsible for compliance within your jurisdiction.

13. GOVERNING LAW

This Policy is governed by New Zealand law.

Disputes:

• Mediation → Arbitration (binding)

• Liability limited to fees paid within prior 12 months (where permitted)

14. ACCEPTANCE

By purchasing or using any Product, you confirm:

• You understand and accept all terms

• You accept no refunds

• You understand no results are guaranteed

• You acknowledge all IP ownership remains with us

15. FTC DISCLAIMER - Smart Tech Academy

Smart Tech Academy provides educational content, tools, and resources designed to support learning and skill development in technology, digital business, and related areas.

We make no guarantees regarding income, financial results, business success, or specific outcomes from using our products, courses, or materials.

Any examples, case studies, or results shared are for illustrative and educational purposes only and should not be interpreted as typical or guaranteed results. Individual outcomes will vary based on factors including effort, experience, skill level, and market conditions.

Smart Tech Academy is not a financial, investment, or legal advisory service. Any decisions made based on our content are done at your own discretion and risk.

You are responsible for ensuring that your use of any information, strategies, or content complies with all applicable laws, regulations, and platform guidelines, including FTC disclosure requirements for advertising, endorsements, and income claims.

By using our products or services, you acknowledge and agree that Smart Tech Academy, its creators, affiliates, and partners are not liable for any direct or indirect results arising from your use of the information provided.

FINAL ACKNOWLEDGMENT

By purchasing, activating, or reselling, you confirm:

• You understand all terms

• You accept full responsibility

• You agree to all restrictions

• You accept legal jurisdiction and enforcement.