Effective 20 August 2026
1. WHO YOU ARE CONTRACTING WITH
This website, and everything sold through it, is operated by Henry Finn, an individual doing business as a sole proprietor in the State of California, United States ("I", "me", or "my"). There is no separate corporate entity. I am the merchant of record for every transaction.
Contact details, including the business mailing address, are on the contact page.
"You" means the person or organization using this website or buying anything from it. If you are agreeing on behalf of a company, you confirm you are authorized to bind that company.
2. ACCEPTING THESE TERMS
By using this website, buying anything, or starting an engagement, you agree to these terms, to the privacy policy, and to the refund & cancellation policy, which are all part of this agreement. If you do not agree, do not use the site or buy anything.
You must be at least 18 years old, and legally able to enter a contract, to purchase anything here.
3. WHAT IS SOLD
Three things: advisory and consulting services, one-time digital goods and content, and recurring memberships and subscriptions. Each is described in full, with pricing and delivery timelines, on the services page, which forms part of these terms.
For consulting, a written proposal or statement of work sets out the scope, fee, schedule, and deliverables for that specific engagement. Where a signed proposal conflicts with these terms, the signed proposal controls for that engagement.
4. PRICES, PAYMENT, AND TAX
- All prices are stated and charged in United States Dollars (USD). The exact amount is shown to you before you confirm any payment.
- Payments are processed by Stripe, Inc. Card details are entered on Stripe's hosted checkout. I never see, handle, or store your full card number.
- Accepted methods: Visa, Mastercard, American Express, Discover, and ACH bank transfer for invoiced work.
- Invoiced work is due net 15 days from the invoice date unless the proposal states otherwise. Overdue amounts may accrue interest at 1.5% per month, or the maximum permitted by law if lower.
- Prices exclude sales, use, VAT, GST, and similar taxes, which are added at checkout where required by law. You are responsible for any withholding tax and must gross up so that I receive the full invoiced amount.
- You are responsible for any bank, wire, or currency-conversion fees charged by your own institution.
- Subscriptions renew automatically until canceled. Section 5 covers this.
If a price is displayed with an obvious error, I may cancel the order and refund you in full rather than honour a clearly mistaken price.
5. SUBSCRIPTIONS AND AUTOMATIC RENEWAL
Memberships and subscriptions renew automatically at the end of each billing period, charged to the payment method on file at the then-current price, until you cancel. The price and interval are shown to you before you sign up, and a receipt is emailed for every charge.
You can cancel at any time from your account page or by emailing the address on the contact page. There is no cancellation fee. Cancellation stops the next charge; access continues to the end of the period you have already paid for. Refund treatment is in the refund & cancellation policy.
Prices for existing members will not increase without at least 30 days' notice by email, and you may cancel before the change takes effect. If a payment fails, I may retry it and may suspend access until it clears.
6. DELIVERY
Digital goods are delivered electronically, immediately on payment and in all cases within 24 hours. Subscription access is granted within 24 hours of the first successful payment. Consulting deliverables are provided on the schedule in the statement of work. Nothing is physically shipped.
If something does not arrive, email me and it will be re-sent or refunded.
7. INTELLECTUAL PROPERTY
My material
All content on this website, and all digital goods and materials sold or delivered, are owned by me or my licensors and protected by copyright and other laws. Buying something does not transfer ownership of it.
Your license to digital goods
A purchase grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the item for your own personal or internal business purposes. You may not resell it, redistribute it, sublicense it, publish it, make it publicly available, remove any notices from it, or use it to train, fine-tune, or evaluate any commercial machine-learning model, without my prior written permission.
Consulting deliverables
Unless the statement of work says otherwise: on full payment, you receive a perpetual, worldwide, non-exclusive license to use the deliverables for the purpose they were created for. I retain ownership of all underlying methods, frameworks, templates, know-how, and pre-existing material, and remain free to use them for anyone else. Nothing in an engagement restricts my ability to work with other clients, including in the same industry.
Your material
You keep ownership of everything you give me. You grant me a license to use it only as needed to perform the work you have engaged me for.
Credit
Unless you ask me in writing not to, I may state publicly that we worked together and use your name and logo in a factual client list. I will not disclose the details of the work.
8. CONFIDENTIALITY
Each of us will keep the other's non-public information confidential, use it only for the engagement, and protect it with at least reasonable care. This does not cover information that is public through no fault of the receiver, was already known, is independently developed, or must be disclosed by law, in which case the discloser gets notice where legally permitted. These obligations last three years after the engagement ends, and indefinitely for trade secrets.
9. YOUR OBLIGATIONS
You agree to give accurate information, to pay on time, to provide the access, materials, and decisions the work needs in reasonable time, and not to use this website or anything bought from it to break the law, infringe anyone's rights, send spam, or interfere with the site's operation or security. You may not scrape, crawl, or bulk-download this site, or use automated means to extract its content, without written permission.
Delays caused by you not providing something needed may push out timelines and, where the delay is substantial, may increase fees, which will be discussed with you before anything is charged.
10. NO PROFESSIONAL ADVICE, NO GUARANTEED RESULTS
I am not a lawyer, an accountant, a licensed financial adviser, a broker-dealer, or a medical professional, and nothing I provide is legal, tax, accounting, investment, or medical advice. Nothing here is an offer to sell or a solicitation to buy any security, token, or financial instrument. Get your own qualified professionals before acting on anything.
Advisory work is judgment and analysis, not a promise of outcomes. No specific business, financial, commercial, or creative result is guaranteed. Any figures, forecasts, or examples discussed are illustrative and not a representation of what you will achieve.
11. WARRANTIES AND DISCLAIMER
I warrant that services will be performed in a professional and workmanlike manner consistent with generally accepted industry standards.
Otherwise, and to the fullest extent permitted by law, this website and everything sold through it are provided "as is" and "as available", and I disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.
12. LIMITATION OF LIABILITY
To the fullest extent permitted by law, I am not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, lost business, or loss of goodwill, however caused and on any theory of liability, even if advised of the possibility.
My total aggregate liability arising out of or relating to this agreement is capped at the total amount you actually paid me in the twelve months immediately before the event giving rise to the claim.
Nothing in this agreement excludes or limits liability for fraud, fraudulent misrepresentation, gross negligence, wilful misconduct, death or personal injury caused by negligence, or anything else that cannot lawfully be excluded. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
13. INDEMNITY
You agree to indemnify and hold me harmless from any third-party claim, loss, liability, and reasonable legal cost arising from your breach of these terms, your misuse of anything bought here, your violation of law or of a third party's rights, or material you supplied to me.
14. TERMINATION
Either of us may end an ongoing engagement with 14 days' written notice. I may suspend or terminate your access immediately if you breach these terms materially, fail to pay after notice, or use the site or materials unlawfully. On termination, you pay for work performed to that point and I refund anything prepaid and unearned, per the refund policy. Sections 7, 8, 10, 11, 12, 13, 15, and 16 survive termination.
15. GOVERNING LAW AND DISPUTES
This agreement is governed by the laws of the State of California, United States, without regard to its conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods does not apply.
Talk to me first. Before starting any formal proceeding, you agree to email me a description of the dispute and give 30 days to try to resolve it informally. Most things end there.
If that fails, the state and federal courts located in California will have exclusive jurisdiction, and we each consent to personal jurisdiction there. Each of us may still seek injunctive relief in any court to protect intellectual property or confidential information.
Where you are a consumer resident in a jurisdiction whose law gives you the right to bring proceedings in your local courts or under your local consumer law, this section does not take that right away.
16. GENERAL
- Independent contractor. Nothing here creates a partnership, joint venture, agency, or employment relationship.
- Entire agreement. These terms, the linked policies, and any signed proposal are the whole agreement between us on this subject and replace anything said before.
- Severability. If a provision is unenforceable, the rest stays in force and that provision is narrowed to the minimum extent needed.
- No waiver. Not enforcing something once does not waive it.
- Assignment. You may not assign this agreement without my written consent. I may assign it to a successor to my business.
- Force majeure. Neither of us is liable for delay or failure caused by events outside reasonable control.
- Notices. By email to the address on the contact page, and to the email address on your account.
- Export and sanctions. You confirm you are not located in, and not acting for anyone in, a country or on a list subject to US embargo or sanctions.
17. CHANGES TO THESE TERMS
These terms can be updated. The effective date at the top of this page shows the current version. Material changes affecting an active subscription or engagement will be emailed to you at least 30 days in advance. The version in force when you made a purchase governs that purchase. Continuing to use the site after a change means you accept the updated terms.