These Terms & Conditions ("Agreement") govern your use of our Website and the purchase or access of any Services offered by Christian Colombo, VAT 03860100134, Via 18 Marzo 2/A, 22036 Erba (CO), Italy ("Company", "we", "us", "our")

By accessing, purchasing, or using any Services, you ("User", "you") agree to be legally bound by this Agreement. If you do not agree, do not complete your purchase and discontinue use immediately

Please read this Agreement carefully before purchasing. It contains important information about your rights, our refund policy, and how disputes are resolved.


Section 1: Definitions

"Website" means all online platforms operated by the Company, including but not limited to excel-skool.com and excelbychris.com.
"Services" means digital courses, templates, programs, consulting, downloadable files, and all related materials offered by the Company.
"User" means any individual or entity using or purchasing the Services.
"Digital Goods" means non-physical electronic products delivered instantly upon purchase.
"Agreement" means this binding contract between you and the Company.


Section 2: Acceptance of Terms

2.1 How You Accept This Agreement
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By clicking "Purchase," "Buy Now," "Complete Order," or any similar button, and by confirming that you have read and accept these Terms & Conditions, you acknowledge that you have read, understood, and agree to be legally bound by this Agreement.
This constitutes your electronic signature and creates a legally binding contract.

2.2 Continued Use
Your continued use of the Services after any updates to this Agreement constitutes your acceptance of the updated Terms. We will notify you of material changes via email.

2.3 Legal Validity
This method of electronic consent is legally binding and enforceable under U.S. law (including the E-SIGN Act), EU law, and Italian law.


Section 3: Delivery of Digital Goods

3.1 How Delivery Works

Upon completing your purchase, our system automatically sends two confirmation emails from no-reply@excel-skool.com to the email address you provided at checkout. These emails contain your access instructions, login details (if applicable), and links to access your purchased courses, templates, or resources.

3.2 When Delivery Is Complete

Digital Goods are legally considered delivered when the confirmation emails are successfully sent by our system, OR access to the course platform is granted to your account, OR download links are made available.
Delivery is complete regardless of whether you open, read, or access the content.

3.3 Your Responsibility

You are responsible for providing a valid email address at checkout, checking your inbox, spam folder, and promotional folders, and ensuring your email filters do not block automated messages.
Failure to locate or open delivery emails does not constitute non-delivery.

3.4 Delivery Records

We maintain detailed delivery logs that record the timestamp when access credentials are issued, the timestamp of your first login to the course platform, content you access and progress recorded.
These logs serve as conclusive evidence of delivery and use in any dispute, chargeback, or legal proceeding.

3.5 Delivery Confirmation

Upon purchase, you will receive 2 emails containing access instructions and get redirected to our onboarding page www.excelbychris.com/welcome with a video tutorial. Delivery is complete when these instructions are sent. By following the steps to create your account on the course platform (www.skool.com/excel/about), you acknowledge successful delivery.

3.6 Pricing

All prices displayed on this website and during checkout are denominated in United States Dollars (USD).
By completing a purchase, you acknowledge and agree that all charges will be processed in USD.
Any currency conversion applied by your bank or payment provider is outside of our control and is the responsibility of the purchaser.

3.7 Need Help?

If you cannot locate your access emails, contact us at chris@excel-skool.com before assuming non-delivery.


Section 4: Intellectual Property

4.1 Ownership

All content within the Services - including but not limited to videos, text, templates, graphics, code, and downloadable materials—is owned exclusively by the Company and protected by copyright law.

4.2 Your License

Upon purchase, you receive a limited, revocable, non-exclusive, non-transferable license to use the content for your own personal business or educational purposes.

4.3 Prohibited Uses

You may NOT copy, reproduce, or duplicate the content; share, distribute, or publish the content; resell, sublicense, or commercially exploit the content; share your login credentials with others; or use the content to create competing products.

4.4 Consequences of Violation

Unauthorized use results in immediate termination of your access without refund, potential legal action for copyright infringement, and liability for damages and legal fees.


Section 4.5: Template Customization and Adaptation

4.5.1 Intended Use

All templates provided through the Services are designed as starting frameworks intended to be customized, modified, and adapted to fit your specific business needs, workflows, and circumstances.

4.5.2 Your Customization Rights

Subject to the license granted in Section 4.2, you are permitted and encouraged to modify template content, formulas, formatting, and structure to suit your requirements; add, remove, or reorganize elements within templates; adapt templates for use across different projects within your personal or business operations; and integrate template elements into your own internal documents and workflows.

4.5.3 No Guarantee of Suitability

Templates are provided as general-purpose tools. The Company does not guarantee that any template will be suitable for your specific industry, jurisdiction, or business situation without modification. You are solely responsible for reviewing, customizing, and ensuring that any template meets your particular requirements before relying on it for business decisions.

4.5.4 Professional Advice

Templates that involve financial, legal, or compliance matters are provided for informational and convenience purposes only. You should consult with qualified professionals (accountants, attorneys, or industry specialists) before using such templates for critical business functions.


Section 5: User Responsibilities

5.1 You Agree To

Provide accurate information during registration and purchase, keep your login credentials secure and confidential, use the Services only for lawful purposes, and comply with all applicable laws and regulations.

5.2 You Agree NOT To

Share your account access with others, attempt to access restricted areas or other users' accounts, copy, download, or reproduce content beyond permitted use, interfere with the Website's operation or security, use automated tools to access or scrape content, or engage in any fraudulent activity.

5.3 Consequences

Any violation of these responsibilities results in immediate termination of your access without refund and may result in legal action.


Section 6: Refund Policy

Please read this section carefully. It explains when refunds are available and what is required.

6.1 General Policy

The Company offers a 30-day conditional refund guarantee for course programs. Refunds are not automatic. You must meet all eligibility requirements and provide complete documentation.
Templates and other Digital Goods have different refund terms as described in Section 6.8.

6.2 Refund Eligibility Period

Refund requests must be submitted within 30 days of purchase. Requests submitted after 30 days are automatically denied.

6.3 Required Documentation

To be considered for a refund, you MUST provide ALL of the following:

A. Proof of Genuine Effort
You must demonstrate good-faith effort to use and apply the program by providing screenshots showing completion of at least 30% of the video content, and at least three (3) specific examples of how you attempted to implement what you learned, with dates.
B. Detailed Explanation
You must provide written answers to:
(1) Which specific modules or lessons did not meet your expectations?
(2) How exactly did you try to apply the content?
(3) What specific results were you expecting that you did not achieve?
(4) What is your business context or situation?
C. Contact Information
Your full name (as used at purchase), email address used for purchase, order number or transaction ID, and date of purchase.

6.4 How to Submit a Refund Request

Email your complete refund request to: chris@excel-skool.com
Subject line: "Refund Request - [Your Order Number]"
Include all required documentation in a single email. Incomplete submissions will not be reviewed.

6.5 What Happens Next

We will review your submission within 10 business days. We may request additional information or clarification. You will receive our decision via email. All refund decisions are final.

6.6 Approved Refunds

If approved, refunds are processed within 14 business days to your original payment method. Payment processing fees (typically 2.9% + €0.30) may be deducted, as these are non-recoverable.

6.7 Situations That Do NOT Qualify for Refunds

Refunds will NOT be granted for: change of mind, lack of time to use the materials, loss of interest, personal financial difficulties, failure to use or access the content, personal emergencies unrelated to the product, not achieving results without demonstrating genuine effort, finding similar content elsewhere, or dissatisfaction with content you did not actually complete.

6.8 Template Refund Policy

Templates and standalone Digital Goods are generally non-refundable because they are delivered in full at the moment of access.
However, templates MAY be considered for refund if ALL of the following conditions are met:

1. You attempted to use at least five (5) different templates
2. You provide verifiable proof of use for each template attempted
3. You provide a written explanation of why the templates were not applicable to your situation
4. Your request is submitted within 30 days of purchase, and your submission passes our internal review.

6.9 Technical Issues

If you experience technical problems accessing your purchase, report the issue to chris@excel-skool.com within 48 hours of purchase, provide screenshots or screen recordings of the error, follow any troubleshooting instructions we provide, and allow reasonable time for us to resolve the issue.
Refunds for technical issues are only granted if the issue prevents access entirely, the issue is caused by our systems (not your device, browser, or internet), and we cannot resolve the issue within a reasonable time despite your full cooperation.

6.10 One Refund Limit

You may receive a maximum of one (1) refund across all products and services, lifetime, per person.
This limit applies across all email addresses, payment methods, and accounts. We use fraud detection measures to enforce this policy.

6.11 Fraud Prevention

We take refund fraud seriously. The following will result in immediate denial and account termination: falsified or manipulated evidence, screenshots that have been edited or doctored, using multiple accounts to circumvent the one-refund limit, threatening, abusive, or harassing communication with our team, attempting to pressure or coerce a refund decision, filing a chargeback while a refund request is pending, or any other deceptive or fraudulent behavior.

Users who engage in refund abuse may be reported to fraud prevention networks and prohibited from future purchases.


Section 7: Chargebacks and Payment Disputes

7.1 Contact Us First

If you have any billing concerns or believe there is an error with your purchase, you agree to contact us at chris@excel-skool.com to resolve the issue BEFORE initiating a chargeback or payment dispute with your bank or credit card company.
We are committed to resolving legitimate concerns quickly and fairly.

7.2 Chargeback Fees

If you initiate a chargeback or payment dispute that is ultimately resolved in our favor, you agree to reimburse us for the original transaction amount, all chargeback fees assessed by payment processors (typically €15-25), and administrative costs up to €100.

7.3 Fraudulent Chargebacks

Filing a chargeback after you have received access to the Digital Goods and used the content constitutes fraud and a material breach of this Agreement.
Consequences may include immediate and permanent account termination, collection action for the disputed amount plus all fees, reporting to fraud prevention databases, and legal action to recover damages.

7.4 Evidence in Disputes

We maintain comprehensive records including delivery confirmation logs, access and login timestamps, content viewing and progress records, IP addresses and device information, and your checkbox consent to these Terms.
These records will be submitted as evidence in any chargeback investigation, arbitration, or legal proceeding.


Section 8: EU Consumer Rights

This Section applies only to Users who are consumers residing in the European Union.

8.1 Your Statutory Rights

Under EU law (Consumer Rights Directive 2011/83/EU), consumers normally have a 14-day right of withdrawal for online purchases.
However, this right does not apply to digital content once delivery has begun, provided that you expressly agreed to immediate access, AND acknowledged that you lose your withdrawal right once access begins.

8.2 Your Consent to Immediate Access

By completing your purchase and accepting these Terms & Conditions, you:

1. Expressly request that we begin delivery immediately
2. Acknowledge that your 14-day right of withdrawal is waived once access is provided

Access is provided automatically via email immediately after purchase. By proceeding with your purchase, you understand and accept that your withdrawal right ends the moment these access emails are sent.

8.3 When Your Withdrawal Right Ends

Your withdrawal right is extinguished the moment your download link is issued, OR access to the course platform is provided, OR the digital content becomes available through your account.

8.4 When Refunds May Still Be Granted

Even though your statutory withdrawal right does not apply, you may still receive a refund under our voluntary refund policy (Section 6) if there are technical defects that prevent access and cannot be resolved, we fail to deliver the content due to a system error on our end, or you meet all requirements of our conditional refund guarantee.

8.5 Conformity Guarantee

Under the Digital Content Directive (2019/770/EU), digital content must conform to its description, be fit for the purposes for which such content is normally used, and possess the qualities presented in any pre-sale information.
If the digital content does not conform, you are entitled to have it brought into conformity free of charge. If this is not possible or not done within a reasonable time, you may be entitled to a price reduction or contract termination as provided by law.

8.6 How to Report Non-Conformity

If you believe the content does not match its description or has defects, contact us at chris@excel-skool.com with your order details, specific description of the non-conformity, screenshots or other evidence, and proof that you followed our troubleshooting instructions.


Section 9: Limitation of Liability

9.1 Services Provided "As Is"

To the maximum extent permitted by law, the Services are provided "as is" without warranties of any kind, either express or implied.

9.2 No Guarantees of Results

We do not guarantee any specific financial, business, or personal outcomes from using the Services. Your results depend on many factors outside our control, including your effort, skills, and circumstances.

9.3 Limitation of Damages

To the maximum extent permitted by law, the Company is NOT liable for indirect, incidental, special, or consequential damages; lost profits, revenue, or business opportunities; loss of data or goodwill; or any damages exceeding the amount you paid for the specific Service.

9.4 Exceptions

Nothing in this Agreement limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded by law.


Section 10: Indemnification

You agree to indemnify, defend, and hold harmless the Company and its owners, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising out of your use or misuse of the Services, your violation of this Agreement, your violation of any third-party rights, or any content you submit or share through the Services.


Section 11: Governing Law and Dispute Resolution

11.1 For Users in the United States

Governing Law: Disputes will be governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
Binding Arbitration: All disputes must be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. There will be no court trial. There will be no jury. Arbitration is the exclusive method of dispute resolution.
Location: Arbitration will occur in your U.S. state of residence or remotely via video conference, at your choice.
Class Action Waiver: To the fullest extent permitted by law, you agree to resolve disputes only on an individual basis. You waive any right to participate in any class action, class arbitration, or representative action.
Small Claims Exception: Either party may bring an individual action in small claims court if the dispute qualifies.

11.2 For Users Outside the United States

Governing Law: This Agreement is governed by the laws of Italy.
Jurisdiction: Exclusive jurisdiction for any disputes belongs to the Tribunale di Como, Italy.
EU Consumer Exception: If you are an EU consumer, you may also bring proceedings in the courts of your country of residence for matters relating to consumer protection.

11.3 Informal Resolution First

Before initiating any formal dispute resolution, you agree to contact us at chris@excel-skool.com and attempt to resolve the dispute informally for at least 30 days.


Section 12: Modifications to Services and Terms

12.1 Changes to Services

We may modify, update, suspend, or discontinue any part of the Services at any time for operational, legal, security, or business reasons. We will provide reasonable notice of material changes when possible.

12.2 Changes to Terms

We may update this Agreement from time to time. Material changes will be communicated via email or prominent notice on the Website. Your continued use after changes take effect constitutes acceptance.

12.3 No Compensation for Interruptions

We are not liable for temporary interruptions to the Services due to maintenance, updates, or circumstances beyond our control.


Section 13: Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters or acts of God, war, terrorism, or civil unrest, government actions or regulations, power failures or internet disruptions, cyberattacks or security incidents, pandemic or public health emergencies, or labor disputes or strikes.


Section 14: Severability

If any provision of this Agreement is found invalid, illegal, or unenforceable by a court or arbitrator, the remaining provisions continue in full force and effect.
The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.


Section 15: Entire Agreement

This Agreement, together with our Privacy Policy and any purchase-specific terms displayed at checkout, constitutes the entire agreement between you and the Company regarding the Services.
This Agreement supersedes all prior negotiations, representations, warranties, and agreements between the parties.
No oral or written statements made before or at the time of purchase are binding unless explicitly incorporated into this Agreement.


Section 16: Assignment

You may not assign or transfer your rights under this Agreement without our written consent. We may assign our rights and obligations to any successor or affiliate without restriction.


Section 17: No Waiver

Our failure to enforce any provision of this Agreement does not constitute a waiver of that provision or our right to enforce it later.


Section 18: Contact Information

For questions about this Agreement, refund requests, or any other concerns:
Email: chris@excel-skool.com
Registered Address:
Christian Colombo
Via 18 Marzo 2/A
22036 Erba (CO)
Italy
VAT Number: 03860100134