These terms are a practical starting point for this developing student-led brand. They should be reviewed and updated before launching paid products or services.
Agreement to these terms
By accessing TheStudentLedger.com or content published under Credits & Debits with Emanuel, you agree to these Terms of Use. If you do not agree, please do not use the website.
Educational purpose
All content is provided for general educational and informational purposes. Emanuel Sanchez is documenting personal experiences as an accounting student and does not provide individualized financial, investment, tax, accounting, or legal advice. You are responsible for evaluating information and making your own decisions.
Intellectual property
Unless otherwise stated, the website’s original writing, videos, graphics, branding, downloads, and course materials belong to Emanuel Sanchez and may not be copied, resold, republished, or distributed without written permission. You may share links to publicly available pages.
Acceptable use
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, submit unlawful material, or use its content to mislead others.
Products, pricing, and availability
Descriptions, prices, launch dates, and availability may change before purchase. A displayed “planned,” “founding,” or waitlist price is not an offer or guarantee. Final product details will be shown at checkout.
Refund policy
No payment is currently accepted through this website. Before any paid course, download, event, or service launches, its checkout page will clearly state the applicable refund or cancellation policy. Unless a product-specific policy says otherwise, digital purchases will be final after access or download, except where a refund is required by law or the product was not delivered as described.
Third-party services and links
The website may link to third-party platforms, sources, products, or payment services. Their own terms and privacy practices apply, and Credits & Debits with Emanuel is not responsible for their content or operation.
No warranties; limitation of liability
The website and its content are provided “as is” without guarantees of accuracy, completeness, availability, results, or fitness for a particular purpose. To the fullest extent permitted by law, Emanuel Sanchez will not be liable for losses arising from reliance on the content or use of the website.
Changes
These terms may be updated as the project grows. The effective date above will be revised when material changes are made. Continued use after an update means you accept the revised terms.