Terms of Service

Effective date: January 1, 2026

1. Agreement

By accessing Ashgrove Portfolio Studio, you agree to these Terms. If you do not agree, do not use the services.

2. Services

We provide educational content, courses, and related materials. We may update, modify, or discontinue features without notice.

3. Accounts

• You must provide accurate registration information and keep it current.
• You are responsible for safeguarding your credentials and activity on your account.
• We may suspend or terminate accounts that violate these Terms.

4. Payments and refunds

Pricing is displayed before purchase. Unless otherwise required by law, refunds follow the course-specific policy communicated at enrollment.

5. Intellectual property

All content is owned or licensed by Ashgrove Portfolio Studio. You receive a limited, non-transferable license for personal or organizational learning according to your plan. No redistribution without prior written consent.

6. Acceptable use

• No unlawful, infringing, or abusive activity.
• No attempt to scrape, reverse engineer, or disrupt the service.
• Respect privacy of others and do not share confidential materials beyond your license.

7. Educational disclaimer

Our content is for education only and does not constitute investment advice or a recommendation. We do not guarantee outcomes or performance.

8. Third-party services

We may link to third-party tools. Their terms and policies govern your use of those tools.

9. Warranty disclaimer

Services are provided “as is” and “as available” without warranties of any kind to the fullest extent permitted by law.

10. Limitation of liability

To the maximum extent permitted by law, Ashgrove Portfolio Studio is not liable for indirect, incidental, or consequential damages. Aggregate liability shall not exceed amounts paid in the 12 months preceding the claim.

11. Indemnity

You agree to indemnify and hold us harmless from claims arising out of your misuse of the services or violation of these Terms.

12. Termination

We may suspend or terminate access at any time for breach or risk to the service. Upon termination, your license ends.

13. Governing law and disputes

These Terms are governed by the laws of the State of New York, excluding conflict rules. Disputes will be resolved in New York courts or via agreed arbitration.

14. Changes

We may update these Terms. Material changes will be posted on the site and, where appropriate, notified by email.

15. Contact

Questions about these Terms: [email protected].