PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCTS OR SERVICES.

These Terms and Conditions (the “Terms”) are entered into by and between One Point Five Publishing (“Company”, “we”, “us”, or “our”), doing business as Second Self Studio™, and “you” (the “User” or “Client”). These Terms, together with any documents expressly incorporated by reference, govern your access to and use of www.mindtomoney.co and related websites, including any content, functionality, products, and services offered through the Website or otherwise provided by the Company.

By using this Website or any Company Content, Products, or Services, you accept and agree to be bound by these Terms. If you do not agree, you must not access or use the Website or Services.

PROGRAMS AND SERVICES

The Company offers educational programs, digital products, coaching, consulting, and creative services, including but not limited to the Second Self Studio™ AI Photoshoot (collectively, “Programs” or “Services”).

Client agrees to abide by all policies and procedures outlined in these Terms as a condition of participation in any Program.

DISCLAIMER

Your use of the Website, Programs, and Services is at your own risk. The Company makes no guarantees as to results, outcomes, or earnings, and expressly disclaims all implied warranties and conditions of merchantability and fitness for a particular purpose.

The Company does not provide legal, medical, financial, or therapeutic services. Nothing provided through our Programs or Services should be construed as professional advice. Clients are solely responsible for their own decisions, actions, and results.

FINANCIAL OBLIGATIONS

Client is responsible for the full payment of all products and services purchased. If Client selects a payment plan, Client authorizes the Company (or its third-party processor, such as Stripe) to charge their payment method in accordance with the agreed plan.

The Company reserves the right to seek collection of any unpaid amounts through legal or collection remedies.

METHODS OF PAYMENT

We accept Visa, Mastercard, and American Express through our payment processor Stripe. By submitting payment, Client authorizes the Company to charge their payment method for the agreed amounts.

REFUNDS

Due to the digital nature of our products and services, all sales are final. We do not offer refunds under any circumstances.

If a payment plan is selected, the Client is required by law to complete the plan in full.

AI PHOTOSHOOT SERVICES – SPECIFIC TERMS

• Client Photos: Client may be required to upload personal photos, selfies, or other likeness data (“Uploaded Photos”) for use in creating AI-generated images. Uploaded Photos will be deleted once the project is complete.

• Generated Photos: The Company will provide AI-generated photos (“Generated Photos”) based on the Client’s likeness.

  • The Client receives a commercial license to use the Generated Photos in their business and marketing.

  • The Company retains the right to use Generated Photos in its own marketing and promotional materials unless the Client explicitly opts out in writing.

• Limitations: Generated Photos may not be an exact or flawless representation of the Client’s likeness. By participating, the Client acknowledges the creative and technological limitations of AI-generated outputs.

CONFIDENTIALITY

Both Parties agree to treat all confidential information shared during Programs or Services as strictly confidential. Confidential information does not include information lawfully obtained from a third party, publicly available information, or information independently developed.

CLIENT RESPONSIBILITY

Programs and Services are for educational and creative purposes only. Clients acknowledge that results will vary and that they are solely responsible for applying the information or using the deliverables. The Company makes no guarantees of business success, income, or specific outcomes.

INTELLECTUAL PROPERTY

All content provided through Programs and Services, including written materials, videos, workbooks, and creative assets, are the intellectual property of the Company. Clients are granted a limited, personal, non-transferable license to use such materials for their own purposes only.

Generated Photos created for Clients are licensed commercially to the Client, but ownership of AI processes, prompts, and methods remains with the Company.

AUTHORIZATION AND RELEASE

By participating in Programs or Services, the Client grants the Company permission to record, reproduce, or use their likeness, voice, and statements for marketing and promotional purposes, unless expressly declined in writing.

AGE REQUIREMENT

Programs and Services are intended only for individuals 18 years of age or older. By using our Services, you warrant that you meet this age requirement.

LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, consequential, or punitive damages arising from the use of the Website, Programs, or Services.

NON-DISPARAGEMENT

Clients agree not to make any statements or communications that may reasonably be construed as derogatory, critical, or damaging to the Company, its owners, employees, or affiliates.

INDEMNIFICATION

Client agrees to indemnify, defend, and hold harmless the Company and its affiliates from any claims, damages, liabilities, costs, and expenses arising out of their use of Programs or Services.

TERMINATION

The Company reserves the right to terminate a Client’s participation in any Program or Service without refund if the Client violates these Terms, becomes disruptive, or fails to comply with program guidelines.

DISPUTE RESOLUTION

These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada. Any disputes shall be resolved exclusively in the courts of Ontario, Canada.

FORCE MAJEURE

The Company shall not be held liable for delays or failure to perform resulting from causes beyond its reasonable control, including acts of God, labor disputes, or technical disruptions.

MODIFICATION

The Company reserves the right to update these Terms at any time. Updates will be posted on the Website with an updated “Last Updated” date. Continued use of Services constitutes acceptance of modified Terms.

EARNINGS DISCLAIMER

Every effort has been made to accurately represent our products and services. However, there is no guarantee that you will earn money or achieve results. Examples are not promises of earnings. Success depends on individual factors, including effort, skills, and resources.

One Point Five Publishing
Operating as Second Self Studio™