Terms & Conditions

Last Updated: September 1, 2025

These Terms & Conditions (the “Terms”) govern your access to and use of the websites, courses, memberships, downloads, webinars, and other services operated by Silva Strategies LLC ("Company," "we," "us," or "our"), including silvastrategiesllc.com and any related subdomains, portals, private podcasts, and community spaces (collectively, the "Site"). By accessing or using the Site, you agree to be bound by these Terms.

Important Disclaimers

  • We provide educational information for general informational purposes only. We do not provide accounting, tax, legal, investment, or medical advice. Always consult your own qualified professional for advice specific to your situation.

  • Purchasing our products or participating in our programs does not create a client‑advisor, accountant, or fiduciary relationship with Silva Strategies LLC unless we both sign a separate written engagement agreement.

If you do not agree to these Terms, do not use the Site.

1. Eligibility & Accounts

  • You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site.

  • You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use.

  • We may refuse, suspend, or terminate accounts at our discretion.

2. Permitted Use; Community Conduct

  • You agree to use the Site only for lawful purposes and in accordance with these Terms.

  • In our communities (workshops, webinars, Slack/Discord/Zoom chats, private podcasts, or forums), you agree to be respectful, avoid harassment or hate speech, and keep confidential information shared by other participants confidential.

  • Prohibited Uses include: (a) copying, scraping, or harvesting Site content except as expressly allowed; (b) reverse engineering or interfering with security features; (c) uploading malware; (d) infringing, defamatory, or obscene content; (e) using the Site to compete or build a similar service; or (f) any activity that violates applicable law.

3. Intellectual Property; Limited License

  • The Site and all content, including text, designs, graphics, photographs, videos, audio (including private podcast content), worksheets, templates, course materials, and software (the "Content"), are owned by or licensed to us and are protected by copyright, trademark, and other laws.

  • We grant you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Content for your personal or internal business use only. Unless expressly permitted in writing, you may not reproduce, distribute, modify, create derivative works, publicly display, sell, or exploit the Content.

  • Trademarks. Our names, logos, product names (e.g., Money Flow Map, BKKP Studio, Biz Bookkeeping Lab, REV Money Lab, Business Elevation Roadmap), and associated marks are trademarks or service marks of the Company. You may not use them without our prior written consent.

4. User‑Generated Content; Feedback

  • If you submit or post content (e.g., comments, chat messages, testimonials, homework, recordings, or materials) ("UGC"), you represent that you own or control all rights to the UGC and that it does not infringe others’ rights.

  • You grant us a worldwide, royalty‑free, irrevocable, perpetual, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display your UGC in connection with operating and improving the Site and our services. We will not disclose private financial data or confidential business information you share in 1:1 services except as permitted by our Privacy Policy or a written engagement.

  • You agree we may use de‑identified learnings and aggregated data to improve our offerings.

  • We may remove UGC that violates these Terms or the law.

5. Purchases; Prices; Taxes

  • We may offer paid products or services (e.g., digital downloads, live courses, memberships, events, and consulting). Prices are shown at checkout and may change without notice (changes do not affect completed purchases).

  • You agree to provide accurate billing information and authorize us and our payment processors (e.g., Stripe, PayPal, ThriveCart, Shopify) to charge your payment method for all amounts due, including applicable taxes.

  • Chargebacks. You agree not to file chargebacks without first contacting us in good faith to resolve any issue.

6. Subscriptions & Recurring Payments (if applicable)

  • Some offerings (e.g., memberships) may renew automatically until canceled. By enrolling, you authorize recurring charges to your payment method at the then‑current rate.

  • Cancellation. You can cancel future renewals at any time via your account portal or by contacting us at the email below; cancellations take effect at the end of the current billing period. Access continues through the paid period and then ends.

7. No‑Refund Policy; Credits & Transfers

  • All sales are final. Because our offerings include digital products, downloadable materials, private podcast/audio, live workshops, cohorts, memberships, and services delivered with immediate access, we do not offer refunds once purchase is completed or access is granted.

  • 12‑Month Credit Option (goodwill policy). If you cannot attend or continue with a live or time‑bound program you purchased, you may request to re‑apply your payment as a one‑time credit toward another eligible Company offering within 12 months of the original purchase date.

    • Credits must be requested in writing at the email in Section 22 before the program concludes (or, for digital downloads, within 7 days of purchase and before downloading more than 20% of included files, as shown by our systems).

    • Credit value equals the amount actually paid, less any materials already delivered or third‑party, non‑recoverable fees (e.g., financing, payment plan fees, merchant fees if applicable by law).

    • Credits are non‑transferable, not redeemable for cash, and may be applied to a single future purchase; any unused balance expires at the end of the 12‑month window.

    • Some offerings (e.g., 1:1 services with reserved time slots, events with venue caps) may be excluded or require an administrative rescheduling fee; such exclusions/fees will be stated on the specific sales page.

  • Payment Plans. If you enroll in a payment plan, you are responsible for all scheduled installments. A no‑refund policy applies to each installment once due. We may suspend access for failed or late payments until the account is current.

  • Legal Rights. Nothing in this policy limits any non‑waivable consumer rights under applicable law. Where required by law (e.g., defective goods, mandatory cooling‑off periods), we will honor those rights.

8. No Professional Advice; Educational Purpose Only

  • The Site provides educational content intended to help you make informed decisions. We do not provide individualized accounting, tax, legal, investment, or mental‑health advice. Your reliance on any information is at your own risk.

  • Results vary. We make no guarantees of outcomes or earnings.
    No Professional Advice; Educational Purpose Only

  • The Site provides educational content intended to help you make informed decisions. We do not provide individualized accounting, tax, legal, investment, or mental‑health advice. Your reliance on any information is at your own risk.

  • Results vary. We make no guarantees of outcomes or earnings.

9. Third‑Party Services & Links

  • The Site may link to or integrate third‑party tools or services (e.g., Zoom, Calendly, Notion, Stripe). We are not responsible for third‑party sites or their practices. Use of third‑party services is subject to their terms and privacy policies.

10. Confidentiality in Programs

  • In group programs and communities, participants may share sensitive information. You agree to keep such information confidential and not to record, screenshot, or distribute other participants’ materials without permission. We may record live sessions for participants; by attending, you consent to being recorded.

11. E‑Sign & Electronic Communications Consent

  • You consent to receive agreements, notices, receipts, and other communications electronically at the email address associated with your account. You may withdraw consent by contacting us, but we may need to terminate or limit certain services.

12. Privacy

  • Our Privacy Policy explains how we collect, use, and share data. By using the Site, you consent to our data practices as described there.

13. DMCA / Copyright Complaints

If you believe that material on the Site infringes your copyright, please send a notice containing the following to our designated agent below: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate the material; (d) your contact information; (e) a statement that you have a good‑faith belief that use of the material is not authorized; and (f) a statement that the information is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Designated Agent:
Silva Strategies LLC — DMCA Agent
Email: silvastrategies@gmail.com

14. Disclaimers

  • THE SITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR‑FREE.

15. Limitation of Liability

  • TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

  • OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

  • Some jurisdictions do not allow the exclusion of certain damages; in those jurisdictions, our liability will be limited to the fullest extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its owners, officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site or Content; (b) your UGC; (c) your violation of these Terms; or (d) your violation of any law or third‑party rights.

17. Governing Law; Dispute Resolution

  • These Terms are governed by the laws of the State of New Mexico, without regard to its conflicts of law rules.

  • Informal Resolution. Before filing a claim, you agree to email us to attempt to resolve the dispute informally within 30 days.

  • Arbitration & Class Waiver. Except for small‑claims court or claims seeking injunctive relief for IP misuse, disputes will be resolved by binding arbitration on an individual basis under the rules of the American Arbitration Association (AAA) in Bernalillo County, New Mexico. You and we waive any right to participate in a class action or class‑wide arbitration.

  • Venue. For any permitted court proceedings, the exclusive venue will be state or federal courts located in Bernalillo County, New Mexico, and you consent to personal jurisdiction there.

18. International Users

We operate the Site from the United States and do not represent that the Content is appropriate or available elsewhere. You are responsible for compliance with local laws.

19. Changes to the Site or Terms

We may update the Site and these Terms at any time. The “Last Updated” date reflects the latest changes. Continued use of the Site after changes become effective constitutes acceptance of the revised Terms.

20. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, Sections intended to survive (e.g., IP, disclaimers, limitations, indemnity, dispute resolution) will survive.

21. Miscellaneous

  • These Terms constitute the entire agreement between you and us regarding the Site and supersede prior or contemporaneous communications.

  • If any provision is found unenforceable, the remaining provisions remain in full force.

  • Our failure to enforce any provision is not a waiver of our rights.

  • You may not assign your rights without our written consent; we may assign these Terms in connection with a merger, acquisition, or asset sale.

22. Contact Us

Silva Strategies LLC
Email: silvastrategies@gmail.com

Exhibit A — Program‑Specific Terms

A1. Memberships (e.g., BKKP Studio, Biz Bookkeeping Lab)

  • Access is for one person per seat. Sharing logins is not permitted.

  • Sessions may be recorded; by participating, you grant us permission to use the recordings for participant access and quality improvement.

  • Cancellations take effect at the end of the current paid period; partial‑period refunds are not provided unless required by law.

A2. Live Courses & Cohorts (e.g., REV Money Lab, Business Elevation Roadmap)

  • Cohort schedules may shift slightly to accommodate holidays or facilitator availability; reasonable notice will be provided.

  • No refunds once the cohort starts unless explicitly stated on the course page. Transfers may be offered at our discretion.

A3. Digital Downloads & Templates (e.g., Money Flow Map, spreadsheets, PDFs)

  • Licensed for personal or internal business use only; no resale, sharing, or redistribution.

  • Due to the nature of digital goods, all sales are final once delivered.

A4. 1:1 Services (MoneyKeeper Partner / CFO‑Light / QuickStart)

  • Governed by a separate written Engagement Agreement that controls in case of conflict with these Terms