Terms of Service

Acceptance of these terms

By accessing or using this website, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the website. You must use the website only for lawful purposes and in a way that does not interfere with its operation or the rights of others.

Educational information—not professional advice

Website content is provided for general educational, inspirational, and informational purposes. It is not individualized medical, mental-health, legal, financial, tax, accounting, or other professional advice and should not replace guidance from a qualified professional who understands your circumstances.

Nothing on this website is a promise or guarantee of a particular personal, professional, financial, health, relationship, or coaching outcome.

Books, downloads, and resources

Sample chapters, workbooks, exercises, videos, and other resources may be revised, replaced, restricted, or removed at any time. Publication plans, dates, final content, format, and price may change.

You are responsible for deciding whether and how to apply any idea, exercise, or suggestion presented through this website or its resources.

Information you submit

You agree that information you provide through the website is accurate and that you are authorized to provide it. Submitting a form, downloading a resource, or scheduling a conversation does not create a professional, fiduciary, counseling, or contractual relationship unless a separate written agreement states otherwise.

Email and text communications

If you provide contact information, you authorize The 4% Life and its service providers to respond regarding your inquiry. Where a form separately requests consent for promotional calls, emails, or texts, the disclosures and choices shown on that form apply. Consent to marketing is not a condition of purchase. Message and data rates may apply. You may unsubscribe from email through the link in a message and opt out of texts by replying STOP.

Intellectual property

Unless otherwise noted, this website and its original text, exercises, graphics, design, branding, manuscript excerpts, and downloadable resources are owned by or licensed to Alex Abuyuan and are protected by applicable law. You may view, download, and print reasonable portions for your own personal, noncommercial use.

You may not reproduce, republish, distribute, sell, modify, or exploit the content without prior written permission. Third-party names, quotations, videos, and trademarks belong to their respective owners.

Third-party services and links

Links and embedded services are provided for convenience. We do not control and are not responsible for third-party content, availability, security, products, or privacy practices. A link or reference does not necessarily imply endorsement. Your use of a third-party service is governed by that provider's terms.

No warranties

To the fullest extent permitted by law, this website and its content are provided “as is” and “as available.” We do not warrant that the website will be uninterrupted, error-free, secure, completely current, or suitable for every person or situation.

Limitation of liability

To the fullest extent permitted by law, Alex Abuyuan, The 4% Life, and their service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of—or inability to use—this website, its resources, or reliance on its content. Rights that cannot lawfully be limited remain unaffected.

Governing law and changes

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. If any provision is found unenforceable, the remaining provisions will continue in effect.

We may revise these terms periodically. Revisions become effective when posted with an updated date. Continued use after posting constitutes acceptance of the revised terms.

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