1. Acceptance of Terms
Welcome to Stoic Life, operated by Vertial Holdings Pty Ltd (ACN: 629 494 926, ABN: 72 629 494 926) ("Company", "we", "us", "our"). These Terms of Use ("Terms") govern your access to and use of our website, digital products, and services (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Services.
2. Eligibility
You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
3. Use License and Restrictions
3.1 License Grant
Upon purchase or download of our digital products, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the products for your personal, non-commercial use only.
3.2 Restrictions
You agree NOT to:
- Copy, reproduce, distribute, or create derivative works from our products
- Resell, sublicense, rent, lease, or transfer our products to any third party
- Share your access credentials or allow others to access products purchased by you
- Reverse engineer, decompile, or disassemble any aspect of our Services
- Remove, alter, or obscure any proprietary notices (copyright, trademark, etc.)
- Use our Services for any illegal or unauthorized purpose
- Interfere with or disrupt the integrity or performance of our Services
- Attempt to gain unauthorized access to our systems or networks
4. Intellectual Property Rights
All content, materials, and intellectual property on our Services, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, are the property of Vertial Holdings Pty Ltd or its licensors and are protected by Australian and international copyright, trademark, and other intellectual property laws.
Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
5. Purchases and Payments
5.1 Pricing
All prices are displayed in USD (or as otherwise indicated) and are subject to change without notice. We reserve the right to modify, suspend, or discontinue any product or service at any time.
5.2 Payment
Payment must be made through our authorized payment processors. By providing payment information, you represent and warrant that you are authorized to use the payment method provided and authorize us to charge the applicable fees.
5.3 Refund Policy
Due to the nature of digital products, all sales are final. We do not offer refunds except as required by law or in cases of defective products. If you believe you have received a defective product, please contact us within 14 days of purchase.
Australian Consumer Law: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law (ACL) or any other applicable law that cannot be excluded, restricted, or modified by agreement.
6. User Content and Communications
If you submit feedback, ideas, suggestions, or other communications to us ("User Content"), you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, and distribute such User Content for any purpose.
You represent and warrant that you own or have the necessary rights to submit User Content and that such content does not violate any third-party rights or applicable laws.
7. Disclaimer of Warranties
Our Services and products are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
- Our Services will meet your specific requirements or expectations
- Our Services will be uninterrupted, timely, secure, or error-free
- The results obtained from using our Services will be accurate or reliable
- Any errors in our Services will be corrected
Important: Our products provide educational and informational content about Stoic philosophy. They are not a substitute for professional medical, psychological, or psychiatric advice, diagnosis, or treatment. If you are experiencing mental health issues, please consult a qualified healthcare professional.
8. Limitation of Liability
To the maximum extent permitted by law, Vertial Holdings Pty Ltd, its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses, resulting from:
- Your use or inability to use our Services
- Unauthorized access to or alteration of your data
- Any conduct or content of third parties on our Services
- Any content obtained from our Services
Our total liability to you for any claims arising from or related to these Terms or our Services shall not exceed the amount you paid to us in the 12 months preceding the claim, or AUD $100, whichever is greater.
Australian Consumer Law: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot be excluded under the Australian Consumer Law or other applicable law.
9. Indemnification
You agree to indemnify, defend, and hold harmless Vertial Holdings Pty Ltd, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
- Your use of our Services
- Your violation of these Terms
- Your violation of any rights of another person or entity
- Your User Content or any other content you submit
10. Third-Party Links and Services
Our Services may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of or reliance on any third-party content, goods, or services.
11. Termination
We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to your breach of these Terms.
Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
12. Governing Law and Dispute Resolution
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Victoria, Australia, without regard to its conflict of law provisions.
12.2 Jurisdiction
You irrevocably submit to the exclusive jurisdiction of the courts of Victoria, Australia, and the federal courts of Australia for the resolution of any disputes arising out of or relating to these Terms or our Services.
12.3 Dispute Resolution
Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us. We will attempt to resolve disputes in good faith.
13. Changes to These Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new "Last updated" date.
Your continued use of our Services after such changes constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using our Services.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to reflect the parties' intention or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Vertial Holdings Pty Ltd regarding your use of our Services and supersede all prior agreements and understandings, whether written or oral.
16. Contact Information
If you have any questions about these Terms, please contact us: