Terms of Service

These Terms cover grantinvests.com and everything sold or given away on it. The Disclaimer and the Privacy Policy are part of this agreement, so please read all three. If you do not agree with any of it, please do not use the site.

1. Who you are dealing with

Grant Invests is a personal publishing project operated by an individual as a sole proprietor, referred to below as "Grant Invests", "I", "me" or "my". You can reach me at [email protected]. Legal notices may also be sent to Grant Invests, 2321 Rosecrans Avenue, Suite 5200, El Segundo, CA 90245. "You" means anyone who visits the site, joins the email list, or buys a file.

2. Accepting these Terms

By using the site, downloading a free resource, subscribing to the email list, or making a purchase, you agree to these Terms, the Disclaimer and the Privacy Policy. Together they form a binding agreement between you and me.

3. Who can use the site

You must be at least 18 years old and legally able to enter a binding contract. The site is meant for adults, is not directed at children, and I do not knowingly collect information from them. You are responsible for complying with the laws of wherever you are.

4. Education, not advice

Everything here is general education and my personal opinion. It is not financial, investment, tax, legal, accounting, insurance or real estate advice, it is not personalized to you, and it is not a recommendation to buy or sell anything. The full terms of that are in the Disclaimer, which is incorporated into this agreement by reference.

Nothing in these Terms or anywhere on this site creates an advisory, fiduciary, brokerage or other professional relationship between us. You agree that you are not relying on me or on any content I publish in making any financial decision, and that every decision you make is your own.

5. Free resources and email

Some resources, such as the guide and the watchlist, unlock when you give me an email address. By doing so you agree that I may email you that resource along with periodic educational emails and occasional information about products. You can unsubscribe from any email, and unsubscribing does not take away access to something you already downloaded.

Buying something also adds your order email to the list, unless you have unsubscribed from it before. This is stated beside the button on the payment page, and unsubscribing never affects your purchase.

Free resources are offered as a courtesy, with no warranty and no obligation. I may change, gate, move or withdraw any of them at any time.

6. Prices and payment

Everything I sell is digital, including but not limited to downloadable files, videos, courses, memberships and access to a community. These Terms cover all of it unless I post separate terms for a particular product.

Prices are in US dollars and may change at any time. The price at checkout is the price for your order, and any discount is shown before you pay.

Payments are processed by Stripe, and I never receive or store your full card number. You confirm that you are authorized to use the payment method you enter. You are responsible for any sales, use, VAT or similar tax that applies to your purchase and is not collected at checkout. I may correct an obvious pricing error and cancel and refund an order placed at the wrong price. I may refuse or cancel any order.

7. Delivery

Delivery is digital and immediate. After a successful payment you get download links on the confirmation page and by email. The links work for 30 days after purchase and each file can be downloaded up to 5 times per order, so please save your files as soon as you get them. The links are for you alone, and they stop working when they expire or reach that limit.

It is your responsibility to give a working email address, to check your spam folder, and to download the files while the links are live. If a link expires, a file fails to download, or a file arrives damaged, email me and I will get it to you.

8. All sales are final

Because what I sell is digital, made available immediately, and cannot be returned once delivered, all sales are final and I do not offer refunds, exchanges or cancellations. This applies the same way to every buyer, wherever you live.

By completing a purchase you ask for immediate access to your files, and you agree that you lose any right to cancel or withdraw from the purchase once they are made available to you. This is stated on the product listing, beside the button on the payment page, and again in your order email.

The one exception is a technical failure on my side: if a file did not deliver or arrived damaged, email me first and I will fix it, or refund it if I cannot. I may also issue a refund at my sole discretion, which does not create any obligation to do so again.

Where a preview is offered, please look at it before you buy, so you know what you are getting.

9. Your license

When your payment clears, I grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to use what you bought. You may:

• Use it for your own personal purposes or your own internal business purposes.
• Keep copies for backup, and edit your own copy for your own use.
• Where you bought access rather than a file, use that access yourself. Accounts and logins are personal to you and may not be shared.

You may not:

• Resell, redistribute, rent, lease, lend, share, publish, sublicense, or give away what you bought, or any substantial part of it.
• Post or share it anywhere people who did not buy it can get to it, including but not limited to a file-sharing service, a shared drive, a course, a community or a marketplace.
• Use it, or anything derived from it, as part of a product, service, course or template you sell or distribute.
• Remove or alter any branding, copyright notice or version mark inside it.
• Use it to train, fine-tune or ground a machine learning or artificial intelligence model, or to build a dataset.
• Claim authorship of it, or present it as your own work.

You are buying a license to use it, not ownership of it. I keep all rights not expressly granted here. If you breach this section the license ends immediately, without a refund, and I may pursue any remedy available to me.

10. My content and copyright

The text, design, graphics, logos, code, spreadsheets, PDFs, images and other content on this site are owned by me or licensed to me, and are protected by copyright, trademark and other laws. "Grant Invests" and the Grant Invests logo are my marks. Nothing here grants you any license to them.

You are welcome to read anything public on the site, quote briefly with credit and a link, and share links. You may not republish substantial portions, reproduce the content commercially, or scrape, mine or harvest the site for datasets or AI training, without my written permission.

11. Things you may not do

• Use bots, scrapers, crawlers or automated tools against the site beyond what robots.txt allows.
• Work around the email gate, guess or share download paths, or access files you did not pay for.
• Interfere with the site, probe or scan it for weaknesses, bypass security, or try to overload it.
• Use anything from the site to build, train or run a competing product or service.
• Impersonate me, or imply that I endorse, recommend or am affiliated with you or your business.
• Use the site for anything unlawful, fraudulent, abusive, or harmful to another person.

12. What you send me

If you send me feedback, an idea, a question or a suggestion by email, comment or direct message, I may use it for any purpose without owing you anything, without attribution and without restriction, and you agree it is not confidential. Please do not send me confidential information, account credentials, or details of your personal finances. I do not review individual portfolios.

13. Third-party services

Parts of what I do run on other companies' services, including but not limited to hosting, payments, email and any platform hosting a community or course. I also link out to things I do not control. Those companies set their own rules, and their rules apply when you are using them.

A link is not an endorsement, and I am not responsible or liable for any third party's content, product, service or conduct, or for anything that happens between you and them.

14. Site availability

I may change, suspend, limit or discontinue any part of the site, any product, any price, or any free resource at any time, with or without notice, and without liability to you. I do not promise that the site will be available, uninterrupted, timely, secure or error free.

15. No guarantees

The site, the content and every file sold here are provided "as is" and "as available", with all faults. To the fullest extent permitted by law, I disclaim all warranties, express, implied or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and quiet enjoyment.

I do not warrant that any file is free of errors or defects, that any formula, figure, assumption or model is correct or suitable for your circumstances, that any content is accurate, current or complete, or that any result, outcome or benefit will follow from using any of it. No advice or information you get from me, written or oral, creates any warranty. Some jurisdictions do not allow certain disclaimers, so parts of this section may not apply to you.

16. You assume the risk

You understand that investing and financial decisions carry risk, including the permanent loss of money, and that you use this site, the content and the files entirely at your own risk. You assume full responsibility for every decision you make and every result that follows.

To the fullest extent permitted by law, you release me from any claim, demand or cause of action arising out of or relating to any financial, investment, tax or business decision you make in connection with anything published or sold here.

17. Limits on my liability

To the fullest extent permitted by law, I am not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any lost profits, revenue, data or opportunity, or any investment, trading, tax or other financial loss, arising out of or connected to the site, the content, anything I sell, or any decision you make based on them. This applies however the claim is framed, and even if I was told such damages were possible.

To the fullest extent permitted by law, my total liability for all claims relating to the site, the content or the products is limited to the greater of the amount you actually paid me in the twelve months before the claim arose, or one hundred US dollars (USD $100). These limits apply even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

18. You cover my costs

You agree to defend, indemnify and hold me harmless from any claim, loss, liability, damage, cost or expense, including but not limited to reasonable legal fees, arising from your use of the site or the content, your breach of these Terms, your violation of any law, or your violation of the rights of a third party.

19. Time limit on claims

To the fullest extent permitted by law, any claim you bring relating to the site, the content or a purchase must be filed within one year after it arises. After that it is permanently barred.

20. Ending your access

I may suspend or end your access to the site, the email list, a community, or anything you have purchased, at any time if you breach these Terms, with no refund. You may stop using the site at any time. Sections 4, 9 through 19, and 21 through 24 survive any termination.

21. Changes to these Terms

I may update these Terms at any time. The updated version takes effect when posted, and the "last updated" date at the top of this page changes. If a change is material I will say so in an email to the list. Continuing to use the site after a change means you accept the new Terms, and the version in effect on the date of your purchase governs that purchase.

22. Law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law rules, and without regard to the UN Convention on Contracts for the International Sale of Goods.

Talk to me first. Before filing anything, email [email protected] with a description of the issue and give me 30 days to resolve it informally. Most things get sorted out that way.

If that fails, you and I agree that any dispute will be brought exclusively in the state or federal courts located in Texas, and we each consent to their personal jurisdiction and waive any objection to that forum. Nothing here stops either of us from bringing an individual claim in small claims court, or from seeking an injunction to protect intellectual property.

To the fullest extent permitted by law, any dispute must be brought individually, and not as a plaintiff or class member in any class, collective, consolidated or representative action. If that last sentence is found unenforceable, it is severed and the rest of this section still applies.

23. Everything else

I am not liable for any delay or failure caused by something outside my reasonable control, including but not limited to outages at a provider I depend on, internet failures, cyberattacks, natural events, illness, or acts of government.

If any part of these Terms is unenforceable, it is limited or severed and the rest stands. Not enforcing something is not a waiver of it. You may not assign these Terms; I may. Nothing here makes us partners or agents of each other, and headings are for convenience only.

These Terms, with the Privacy Policy and the Disclaimer, are the entire agreement between us and replace anything said before.

24. Contact

Questions about these Terms: [email protected].