Terms and Conditions

Article 1: General

Our Terms and Conditions were last updated on August 12, 2024.

Please read them carefully before using Our Service.

By using the Site, you agree to be bound by these Terms and Conditions and to use the Site in accordance with these Terms of Service, our Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Andrew Murray HQ and related entities, including Digitalabc.net and our directory sites.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

Article 1a: Age limit

Age restrictions apply: Our Company does not permit those under 18 to use the Service. We do our best to restrict access to our sites, products and services to minors. Even if the content of our products and services is not of a shocking nature, we prefer to target a mature audience capable of understanding the implications and responsibilities of the business world.


Any subscriber who does not meet these criteria will immediately be deleted from our database as soon as this is brought to our attention. Likewise, any customer who does not meet these criteria will be reimbursed and a return of the product (s) concerned will be required.

Article 2: Placing Order

By placing an Order for Products through the Service, you warrant that you are legally capable of entering into binding contracts.

Article 3: Price

The prices are indicated in dollars, excluding the shipping and processing of your order. The price of items can be changed at any time. However, the price applied to an order will be the one stated at the time of the order.

Article 4: Your information

If you wish to place an Order for Products available on the Service, You may be asked to supply certain information relevant to your order including, without limitation, your name, your email, your phone number, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.


You represent and warrant that: (i) You have the legal right to use any credit or debit card(s) or other payment method(s) in connection with any Order; and that (ii) the information You supply to us is true, correct and complete.


By submitting such information, you grant us the right to provide the information to payment processing third parties for purposes of facilitating the completion of your order.

Article 5: Payment

Payment is due immediately on the date of the order, including for pre-order products.

Payment can be made through various payment methods we have available, such as Visa, MasterCard, Affinity Card, American Express cards or online payment methods (PayPal, for example).

Payment cards (credit cards or debit cards) are subject to validation checks and authorization by Your card issuer. If we do not receive the required authorization, we will not be liable for any delay or non-delivery of your order.

Article 5A: Payment Terms for Services

For Custom Services and Consulting:

  • Payment is due immediately upon order confirmation

  • For projects over $500, payment may be structured in milestones as agreed in writing

  • Partial payments are non-refundable once work has commenced

  • Outstanding balances remain due regardless of project status

Article 6: Delivery

Delivery is made to the address you specified when placing your order (therefore, pay particular attention to the spelling of the address you enter and especially the postal code).

The risks will be your responsibility from the date on which the ordered products have left our premises. However, in the event of a lost package, we will do everything necessary so that you still receive your product or that you are reimbursed according to your warranty.

For custom services:

  • Services begin upon first payment.

  • Client cooperation is required, including attending scheduled meetings

  • Missed appointments without 24-hour notice may result in rescheduling fees

  • Repeated missed appointments (2+ times) constitute breach of agreement and may result in additional charges

Article 7: Changes to these Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.


By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Article 8: Company information

Andrew Murray

1918 ST.REGIS
Dorval QC H9P 1H6
CANADA


Governed by laws of Portugal

Disputes subject to jurisdiction of Portuguese courts

Alternative dispute resolution preferred before litigation

Article 9: Refund and Cancellation Policy

9.1 Digital Products and Physical Goods

  • Physical products: 30-day return window in original condition

  • Digital products: No refunds after download/delivery unless defective

9.2 Custom Services (Websites, Consulting, Directories)

  • No refunds once work has commenced

  • Work is considered commenced when:

    • Initial analysis or research begins

    • First client meeting occurs (even if rescheduled due to client absence)

    • Proposals are created based on client specifications

    • Any deliverables are provided

9.3 Cancellation Process

  • Cancellations must be requested in writing via email

  • Cancellations after work commencement: No refund, full payment due

  • Client breach (missed meetings, non-cooperation): No refund, full payment due

Article 10: Dispute Resolution

10.1 Internal Process Required

Before initiating any chargeback or external dispute, clients must:

  • Contact us in writing describing the issue

  • Allow 10 business days for resolution attempt

  • Participate in good faith resolution efforts

10.2 Chargeback Protection

  • Chargebacks initiated without following internal dispute process may result in:

    • Collection efforts for full outstanding balance

    • Additional fees for chargeback processing costs

    • Suspension of all services

10.3 Evidence of Agreement

By placing an order or signing a proposal, client acknowledges:

  • Receipt and acceptance of these terms

  • Understanding of no-refund policy for commenced services

  • Agreement to internal dispute resolution process

Article 11: Client Obligations

11.1 Cooperation Required

Client must:

  • Attend scheduled meetings or provide 24-hour cancellation notice

  • Provide timely feedback and approvals

  • Make payments according to agreed schedule

  • Provide necessary access, materials, or information

11.2 Breach of Client Obligations

Failure to meet client obligations does not void payment obligations and may result in:

  • Project delays charged to client

  • Additional fees for extended timelines

  • Project termination without refund

Article 12: Limitation of Liability

  • Total liability limited to amount paid for specific service

  • No liability for consequential or indirect damages

  • Client responsible for backup of any provided materials

  • Force majeure events excuse performance delays

Privacy Policy and Legal

Effective Date: August 12, 2024

1. Introduction

This Privacy Policy outlines how Andrew Murray ("we," "our," "us") collects, uses, and protects the personal information you provide through our sales funnel. By interacting with our sales funnel, you agree to the terms outlined in this policy.

2. Information We Collect

We may collect the following types of personal information:

  • Contact Information: such as your name, email address, phone number, and mailing address.
  • Transactional Information: details of the products or services you purchase through our sales funnel.
  • Usage Data: information about your interactions with our website, including IP address, browser type, and browsing behavior.
  • Communication Data: any information you provide when contacting us, such as inquiries or feedback.

3. How We Use Your Information

We use the information collected to:

  • Process and complete your transactions.
  • Provide customer support and respond to your inquiries.
  • Send marketing communications, offers, and updates, with your consent.
  • Improve and personalize your experience within our sales funnel.
  • Comply with legal obligations and enforce our terms and conditions.

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

  • Service Providers: trusted third-party companies that assist us in operating our sales funnel or providing services to you.
  • Legal Authorities: if required by law or to protect our rights, property, or safety.

5. Data Security

We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, alteration, disclosure, or destruction.

6. Your Rights

You have the right to:

  • Access and update your personal information.
  • Opt-out of receiving marketing communications at any time.
  • Request the deletion of your personal data, subject to legal obligations.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us here.

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