Terms of Service

1. Services

WorkSpeaks provides business-structuring guidance, educational resources, documentation support, funding-readiness preparation, business systems setup, website services, intake diagnostics, and decision-support consulting. WorkSpeaks does not provide legal, tax, investment, lending, credit-repair, or financial advice. WorkSpeaks does not act as a lender or broker, does not submit applications on your behalf, and does not make or influence any third-party approval decision. All lending, credit, grant, and funding decisions are made solely by the relevant third party.

2. Client Responsibilities

You agree to provide accurate information and understand that results vary based on your individual business, records, documentation, timing, and any third-party criteria. You are responsible for reviewing all terms of any product, service, or agreement before accepting it, and for consulting a qualified licensed professional where appropriate.

2A. Service Packages, Scope and Payments

Paid consulting and implementation work is different from buying a downloadable digital product. Before you pay for a service, review the published service description, price, what is included and excluded, delivery target, and revision allowance. Package terms shown for the selected service and any written project agreement apply to that service in addition to these general Terms. Work outside a confirmed scope requires a separate quote and your approval.

The Website Services page shows the current price, payment-in-full or deposit choices, remaining balance due before launch, inclusions, exclusions, revision count and estimated delivery target for each package. Refer to that specific offer before payment; those displayed choices, not prices repeated in a general legal notice, define the package you select. A payment reserves only that package's scope, not unlimited work or a guaranteed business result. Delivery depends on receiving the required content, access and approvals.View current website package terms and payment options.

2B. Project Changes, Cancellation, Refunds and Ownership

Tell us about requested changes, cancellations or refund concerns atinfo@theworkspeaks.com. The applicable offer, any separately agreed written project terms, work already performed, payment status, and applicable law govern what happens next. No blanket “all services final” rule from our digital-product store policy applies to a custom service. Any specific cancellation fee or nonrefundable service deposit must be clearly disclosed and agreed to before it is charged. If a scope cannot be agreed, please contact us before authorizing additional work.

Your pre-existing logos, photographs, text and other content remain yours or your licensors'. Ownership and usage rights for newly created websites, designs, code, reusable tools, third-party assets, domains and hosting must be specified in the applicable written service scope or agreement. Do not assume payment transfers ownership of third-party licenses or ongoing hosting services. A quoted service does not include indefinite maintenance unless the selected offer expressly says so.

Published offer-specific promises remain in effect. For example, theTrust Fix Planhas its own limited refund promise about identifying at least three actionable gaps. The Store Termsgovern separately sold self-service digital products and licenses.

3. No Guarantees

WorkSpeaks does not guarantee funding, approvals, credit outcomes, leads, sales, search rankings, revenue, legal outcomes, or business results. Any figures, estimates, or examples are illustrative only and are not a promise of results.

4. Compliance

Our guidance is organizational and educational and is intended to be used in a manner consistent with applicable laws and regulations. You agree to use any materials and guidance honestly and not to misrepresent information to any third party.

5. Privacy

Your information is handled as described in our Privacy Policy and used only to provide the services outlined. See our Privacy Policy for details on data handling.

6. Limitation of Liability

WorkSpeaks is not liable for any losses, damages, or negative outcomes related to funding applications, credit decisions, business operations, or reliance on educational materials. Our role is advisory, organizational, and educational only.

7. Intellectual Property and License

All content on the WorkSpeaks site and in our materials, including but not limited to text, frameworks, intake questions, processes, documents, logos, graphics, and layouts (collectively, "WorkSpeaks Content"), is owned by WorkSpeaks or its affiliated rights holders, or licensed to us.

We grant a limited, personal, non-exclusive, non-transferable license to access and view site content to evaluate or use our services. A purchased digital product is instead licensed under its applicable product terms; purchased editable templates may be adapted for your own internal or single-business use as stated in the Store Terms.

Except for the specific internal-use modifications permitted by a purchased product license, you may not redistribute, publish, resell, sublicense or commercially exploit WorkSpeaks Content without permission or other legal authorization.

You may not use any WorkSpeaks Content to build, market, or support a competing product or service.

8. Acceptable Use

You agree not to:

• Use the site or our services for any unlawful purpose.
• Misrepresent your identity, business, records, or financial information.
• Attempt to gain unauthorized access to any part of the site, our systems, or other users' data.
• Copy, scrape, or harvest WorkSpeaks Content or data for any competitive or commercial use without our written consent.
• Interfere with or disrupt the operation of the site or any related systems.

We may suspend or terminate your access to the site or our services if we believe you have violated these Terms or engaged in any abusive, fraudulent, or harmful conduct.

9. Governing Law

These Terms of Service are governed by the laws of the State of New York, without regard to its conflict of law rules. Any dispute arising out of or relating to these Terms or your use of the site or our services will be brought exclusively in the state or federal courts located in New York, and you consent to the personal jurisdiction of those courts.

10. Indemnification

You agree to indemnify and hold harmless WorkSpeaks, its owners, officers, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the site or our services, (b) your violation of these Terms, or (c) your misrepresentation to any third party.

11. Changes to Terms

We may update these Terms and will post the new revision date when we do. Changes do not retroactively alter a paid service's already agreed written scope or mandatory legal rights. Please review the version relevant to your purchase or engagement.

12. Contact

Questions about these Terms can be sent to info@theworkspeaks.com.