Terms of Service

Service Provider

1. Digital Products

All products are digital downloads delivered electronically:

• Products are delivered in digital format (PDF, documents, checklists)
• Instant access after payment confirmation
• Delivery via email or Telegram
• No physical shipping

2. Refund Policy

14-day money-back guarantee:

• Full refund if product doesn't match description
• Request refunds within 14 days of purchase
• Contact: info@evo-study.com
• Refunds processed within 5-10 business days

3. Intellectual Property

All content is owned by BusinessLab OU:

• Personal use license only
• No redistribution or resale allowed
• No sharing of purchased materials

4. Third-Party Services

We use trusted third-party services:

• Payment Processing - Certified payment processor for secure transactions
• Communication - Email and Telegram for product delivery

These services have their own privacy policies and security measures.

5. Disclaimer

Educational Information Only

• We provide educational guidance, not guarantees
• No guarantee of admission or visa approval
• Always verify with official sources
• Not a substitute for legal or immigration advice
• Individual results may vary

6. Payment Terms

• Payments processed securely via certified payment processor
• Prices in USD
• Payment required before access
• Prices subject to change (existing purchases not affected)

7. User Responsibilities

By purchasing, you agree to:

• Provide accurate email address
• Use for personal purposes only
• Not share or redistribute products
• Verify information with official sources

8. Limitation of Liability

Our liability is limited to the amount paid for the product. We are not liable for indirect or consequential damages.

9. Governing Law

These terms are governed by Estonian law and European Union regulations.

10. Changes to Terms

We may update these terms at any time. Continued use after changes means you accept the new terms.

11. Contact

• Email: info@evo-study.com
• Service Provider: BusinessLab OU