General terms of use

Terms & Conditions, privacy policy for She Talks Business

Last Updated on June 19, 2024

She Talks Business, (“Company”, “we,” “us” or “our”) provides educational services and products for aspiring Canva designers looking to take their business to the next level. These Terms of Use govern and apply to all persons who access or use (“User,” “you” or “your”) our services, consisting of the website www.shetalksbusiness.co (the “Website”), including any software, features, content, functionality, or other services offered thereon, whether as a guest, registered user, or buyer (collectively the “Services”). 

LEGAL INFORMATION

+ Commercial License - The Templates Vault
The commercial license includes Private Label Rights (PLR) & Master Resell Rights (MRR) granting you the freedom to customize, edit, rebrand, and resell as your own. With the commercial license you have the option to sell the templates with Master Resell Rights to your customers if you wish to, but there is no obligation to do so.

What you CAN do with a commercial license:
* Use the Products for personal or business purposes.
* Modify the Products for their specific needs.
* Sell the Products to end-users for their personal or business use.
* Resell or sublicense the Products to other resellers.
* Modify, reproduce, or distribute the Products.
* Claim ownership of the original designs or any parts thereof.

What you CANNOT do with a commercial license:
* Use the Products for any unlawful or unethical purposes.
* Apply for trademark or copyright.
 
+ Personal License - The Templates Vault
The personal license includes personal rights granting you the freedom to customize, edit, rebrand, and use the templates for your own business only. 

What you CAN do with a personal license:
* You may only import the templates to ONE (your own) Canva account.
* You can use the templates to create content for your business (social media posts, lead magnets, presentations, and so on), as long as you share final customized designs, including JPGs, PNGs, PDF files.
* Your VA or team members may use the templates to create content for your business, as long as they use (or are a member of) your own Canva account. i.e. Your VA may not import the templates into their own account. They must use the templates inside your Canva account.

What you CANNOT do with a personal license:
* Your VA may not import the templates into their own account. They must use the templates inside your Canva account.
* You may not share your membership login information to a third party (with the exception of team members).
* You may not share membership template links with a third party.
* You may not sell or give away membership templates to a third party, even if they have been altered, edited or customized.
* Re-selling the templates as templates is not permitted under any circumstances, even if you edit or alter them. If you wish to sell the templates, you must upgrade your membership to the commercial license (email support@shetalksbusiness.co for help)
* If you violate these terms of use, your membership will be terminated and criminal penalties may be applicable as a result of copyright infringement.
* Use the Products for any unlawful or unethical purposes.
* Apply for trademark or copyright.

Payments
You have the right to pay for any of our products or services in full, including all e-learning courses, templates, or online business resources. If you choose to pay using a payment plan provided by the Company using Ideal or Stripe as a third-party payment option, you agree to pay each payment on time and in the full amount. 
  
If paying by debit card or credit card, you give us permission to automatically charge your credit or debit card for all fees and charges due and payable to the Company, without any additional authorization, for which you will receive an electronic receipt. You also agree that the Company is authorized to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers (e.g., credit card transaction processing, merchant settlement, and related services).
 
Payment Plans:
If you select the payment plan, You hereby authorize the Company to charge your credit card or debit card automatically according to the terms set forth in the installment plan details shown at checkout. No matter what is stated in these terms, you understand that you are agreeing to the price and payment structure in which you agreed upon during the time of purchase. 
 
Regarding recurring payments and outstanding invoices: If all payment methods we have on file for you are declined for payment of your monthly fee, you must provide a new payment method promptly or your Program access will be terminated. If you have a credit card change or expire, please reach out to support@shetalksbusiness.co and we will help you update it!

You are required by law to complete the remaining payments of your payment plan and you authorize us (without notice to you, unless required by applicable law) to collect any and all outstanding payments, using any eligible payment method we have on record for your account.

You understand that if you choose to pay for our products and or services using a payment plan, you understand that you are fully liable for all payments agreed upon. If a payment is missed, we will re-try the payment method four times before sending the debt to a collections agency of our choosing. We will always contact you via email before doing so. It is understood by both parties that if a third-party debt collections agency is needed to retrieve payments, an additional 30% will be added to the remaining balance to pay for the Debt Collection Services and all applicable legal fees associated with the debt retrieval. Upon your first missed payment, you will be immediately removed from all course portals, and communities. Continuing to use the resources we’ve provided after this, with failure to pay either us, or our third-party debt collector will be looked at as theft in the Netherlands.
 
If you’ve purchased The Templates Vault, and have missed a payment, or have stopped paying for the product, your license is immediately revoked and you are unable to use our templates or resources in any way, product, service, or form moving forward.
 
In the case of this happening, you authorize us to share the agreed-upon terms you agreed to at the point of purchase, your IP address, your phone number, your email address, and any and all applicable information for them to retrieve the debt. Once submitted to a third-party collections agency, you understand that it will not be us reaching out to you, and instead a third-party mediator.
 
Sale Pricing and Failed Payments:
If we choose to do a sale or “flash sale,” you agree that you are responsible for all payments in which you have agreed, even if they are a different and lesser amount than here listed. Payments are made through Ideal and Stripe, and if a payment fails, it will be tried again four times with the payment method provided. If the payment has still not been processed after the five attempts and is more than 30 days late, all remaining payments will be sent to a collections agency of our choosing to gather all remaining payments with an additional 30% added to the balance to pay for their fees. Our payment processors will try your payment method four times before we reach out via email, and then send it to a collections agency. This is our last resort measure.
 
Lynn Noppen and She Talks Business is not responsible for overdraft fees, late payment fees for your bank, or any other financial setback caused by your inability to pay your payment on time. If you're unable to commit to the entire payment plan, this product and investment is not for you. 
 
If payment is not fulfilled, you will be immediately removed from the course, user portal, member hub, Circle community app, and any other product or membership created by the Company. If this happens, and you pay the payment and want to resume your enrollment, please contact our team at support@shetalksbusiness.co
 
You understand and agree that you are financially responsible for all purchases made by you or a third-party acting on your behalf.
 
All of the personal information that you provide as part of the purchase process for any product or service on our website may be collected by both us and our third-party payment processing providers. This includes but is not limited to, name, email address, billing information, and credit card number. Please read our Privacy Policy with respect to how we handle your personal information.

Cancellations 
You can cancel your membership at any time to stop future payments. If you wish to cancel your membership, follow these steps:

1. Log in to The Templates Vault hub.
2. Click on the menu hamburger icon (top right of page)
3. Select Support
Here you can fill in a cancellation form and the option to cancel your subscription to ensure no future payments are processed. When you cancel your membership, you will still have access to The Templates Vault hub until the end of your billing cycle.

If you cancel your membership and/or the commercial license, you can still (re)sell or distribute the templates you've downloaded during the time you were a member. No refunds or credits can be offered for partial months of membership, upgrades/downgrades, or unused months of membership.

Refund Policy & Money-Back Guarantee
If you join The Templates Vault, you’ll have instant access to the hub and all templates and resources. Therefore there’s not refund policy. To treat all members fairly and equally, no exceptions can be made to these conditions.

A message from Lynn: I’m here to create the most perfect template membership that is meeting (and exceeding) all of your expectations. I care a lot about your happiness, it’s very important to me. I hope you make an informed choice about whether or not to join The Templates Vault, and I’m sure you can understand and respect the refund policy because of the instant access and possible abuse of the refund policy.

Refund Policy For Membership Renewals
If your membership is renewed, however you don't wish to continue, you have 7 days to request a refund. To request a refund, please email support@shetalksbusiness.co. To be eligible for a refund, your request must be sent within 7 days from the renewal date. 

Changes to the Services and Offerings
We reserve the right to withdraw or amend the Offers and Services, and any service or material we provide through the Services, in our sole discretion without notice. We may discontinue some or all of the Services, features or functionality for certain platforms at any time. We will not be liable if, for any reason, all or any part of the Services are unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Services, or all of the Services, to users, including registered users. We may update content on the Services from time to time, but any of the content on the Services may be out of date at any given time, and we are under no obligation to update such content.

Legal and Financial Disclaimer
You understand and agree that this website and our products, programs, and services are intended to provide information and education. The information provided is not business, financial, or legal advice. You should consult with an attorney, accountant, and/or financial advisor in your area who understands your particular business and financial situation so that you can take the right steps for you and your business. 
 
Earnings Disclaimer 
You understand and agree that this website and our products, programs, and services are intended to provide general information and education to assist you in attaining your goals. You understand and agree that your success depends entirely on your business experience, motivation, and individual capacity. We make no guarantees of any kind as to your earnings and income from the use of our Services. 

In The Event Of Death
Should the owner of The Templates Vault, Lynn Noppen, pass away suddenly, the business and membership will be instantly closed and all future subscription payments will be cancelled. Refunds or partial refunds will not be granted. Once templates are imported into Canva, members have lifetime access to the templates, regardless of The Templates Vault existing.

Website Terms Of Use
By using this website, you signify your consent to these terms of use. If you do not agree to these Terms of Use, please do not use the website. Your access to and use of this website is subject to the following terms and conditions (“Terms of Use”) and all applicable laws.

By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Use and acknowledge that any other agreements between you and the Site are superseded and of no force or effect:

You agree that the Site itself, as well as all content, videos, training materials, products, services and/or other materials, made available on the Site by us or other third parties, as well as the look and feel of all of the foregoing, (collectively referred to as the “Content”) are maintained for your personal use and information by The Template Tribe and are the property of the Company and/or its third party providers.

You agree that such Company Content shall include all proprietary videos, HTML/CSS, Javascript, graphics, voice, and sound recordings, artwork, photos, documents, and text as well as all other materials included in the Site, excluding only the materials you provide.
Subject to your compliance with these Terms of Use, the Company hereby grants you a limited license, which is non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the Site solely for your personal purposes.

No Company Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company. Modification of the Content or use of the Content for any other purpose is a violation of the copyright and other proprietary rights of the Company, as well as other authors who created the materials, and may be subject to monetary damages and penalties.

You may not distribute, modify, transmit or use the content of the Site or any Content, including any and all software, tools, graphics and/or sound files, for public or commercial purposes without the express written permission of the Company.

All Content, such as text, data, graphics files, videos and sound files, and other materials contained in the Site, are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Use.

All trade names, trademarks, and images and biographical information of people used in the Company Content and contained in the Site, including without limitation the name and trademark The Template Tribe, are either the property of, or used with permission by, the Company. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Use.

Any unauthorized use of Content may violate the copyright, trademark, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes.

Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Trademark or other proprietary information without the express written consent of the Company or third party owner.

The Company respects the copyright, trademark and all other intellectual property rights of others.

The Company has the right, but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use.

If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on the Site or in any Content in any way, you may notify Company at support@shetalksbusiness.co. Please provide your name and contact information, the nature of your work and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.

Privacy Policy
The Templates Vault respects the privacy concerns of the users of its website, www.shetalksbusiness.co and the services provided therein (the “Site”). The Company thus provides this privacy statement to explain what information is gathered during a visit to the Site and how such information may be used.

Your use of the Company’s services and this site are also governed by those of Showit. Please also review the Showit website Terms of Use at https://showit.com/terms-of-service/ which also govern use of this Site.

Use of Information: As a general policy, no personally identifiable information, such as your name, address, or e-mail address, is automatically collected from your visit to the Site. However, certain non-personal information is recorded by the standard operation of the Company’s internet servers. Information such as the type of browser being used, its operating system, and your IP address is gathered in order to enhance your online experience.

When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.
If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.

The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. Use of the Site is completely at your own risk.

The Company will not intentionally disclose any personally identifying information about you to third parties, except where the Company, in good faith, believes such disclosure is necessary to comply with the law or enforce these Terms of Use. By using the Site, you signify your acceptance of the Company’s Privacy Policy below. If you do not agree with this Privacy Policy, in whole or part, please do not use this Site.

The Site’s various mailing lists, downloads, special offers, contests, registration forms, and surveys may request that you give us contact information such as your name, mailing and/or e-mail address, demographic information such as your age and gender, and personal preference information such as your preferred software and interests. Information submitted at the time of submission will be used by the Company only as necessary for our legitimate business interests, including without limitation the improvement of our products, services and the contents of the Site. The Company may also share such information with our business and promotional partners to further those interests. Personally identifiable information is never sold or leased to any third parties. With your permission, we may use your contact information to send you information about our company and products. You may always opt-out of receiving future mailings as provided below. The Company does not store any credit card information it may receive in regard to a specific transaction and/or billing arrangement except as necessary to complete and satisfy its rights and obligations with regard to such transaction, billing arrangement, and/or as otherwise authorized by a user.

The Company may disclose user information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with the Company’s rights or property, other users of the Site, or anyone else that could be harmed by such activities.

The Company may also be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Children Age 16 and Under: The Company recognizes the special obligation to protect personally identifiable information obtained from children age 16 and under. As such, if you are 16 years old or younger, the company requests that you not submit any personal information to the site or to the company. If the Company discovers that a child age 16 or younger has signed up on the Site or provided us with personally identifiable information, we will delete that child’s identifiable information from our records. 

Use of Cookies: Cookies are pieces of information that a website transfers to an individual’s computer hard drive for record keeping purposes. Cookies make using our Site easier by, among other things, saving your passwords and preferences for you. These cookies are restricted for use only on our Site, and do not transfer any personal information to any other party. Most browsers are initially set up to accept cookies. You can, however, reset your browser to refuse all cookies or indicate when a cookie is being sent. Please consult the technical information relevant to your browser for instructions. If you choose to disable your cookies setting or refuse to accept a cookie, some parts of the Site may not function properly or may be considerably slower.

Malware/Spyware/Viruses: Neither the Company nor the Site knowingly permit the use of malware, spyware, viruses, and/or other similar types of software.

Links to External Sites: The Company is not responsible for the content or practices of third party websites that may be linked to the Site. The Company is also not responsible for any information that you might share with such linked websites. You should refer to each website’s respective privacy policy and practices prior to disclosing any information.

Contact Information for Complaints or Concerns: If you have any complaints or concerns about the Company or about this privacy statement, please contact:
Lynn Noppen
support@shetalksbusiness.co

Information provided by you via general email inquiries to the Company such as your e-mail address is used only to respond to your inquiries in the ordinary course of business, and is never shared with third parties.

If you are a resident of the EU and have an unresolved data privacy concern or personal information collection, use, or disclosure concern, you may file a complaint/inquiry with us via support@shetalksbusiness.co

Security/How Your Personally Identifiable Information Is Protected: Security for all personally identifiable information is extremely important to us. We have implemented technical, administrative and physical security measures to attempt to protect your personally identifiable information from unauthorized access and improper use. We also protect your personally identifiable information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment. We continually review all such measures and update them when appropriate. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, Company cannot ensure or warrant the security of any information you transmit via the internet. By transmitting any such information to Company, you accept that you do so at your own risk.
 
Your Acceptance of These Terms
By using the Site, you accept the policies and restrictions set forth in this Online Privacy Policy. If you do not agree to this policy, please do not use the Site. This Online Privacy Policy may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Online Privacy Policy to which you are bound.

Last Updated: June 2024