Terms & Conditions
Last Updated: October 2026
These Terms & Conditions govern your access to and use of SKRATCH websites, products, training materials and related services.
By accessing this website or purchasing a SKRATCH product, you agree to these Terms & Conditions.
1. Educational Purpose
SKRATCH provides educational and informational training relating to business, marketing, service businesses, customer acquisition and related topics.
Nothing provided through SKRATCH constitutes financial, legal, tax, accounting or professional business advice.
You are responsible for determining whether any strategy is appropriate for your individual circumstances.
2. No Guarantee of Results
We do not guarantee income, customers, sales, profits or business results.
Any results, examples, case studies, projections or financial targets shown within SKRATCH are provided for educational and illustrative purposes only.
Individual results vary substantially.
3. Your Responsibility
You are solely responsible for your business decisions, actions, implementation, pricing, customers, expenses, taxes, licences, insurance, regulatory obligations and compliance with applicable laws.
You are also responsible for complying with the rules and terms of any third-party marketplace or platform you choose to use.
4. Intellectual Property
Unless otherwise stated, SKRATCH training, documents, templates, worksheets, scripts, graphics, videos and other materials are protected intellectual property.
Your purchase provides you with a personal, non-exclusive, non-transferable licence to use the materials for your own personal or business implementation.
You may not reproduce, resell, redistribute, share, sublicense, publish, upload or commercially distribute SKRATCH materials without prior written permission.
5. Account and Product Access
Where product access is provided through an account, membership area or download system, you are responsible for maintaining the security of your access credentials.
Product access may not be shared with other individuals unless expressly permitted.
6. Third-Party Services
SKRATCH may discuss or link to third-party websites, marketplaces, software, payment processors or other services.
We do not control these third parties and cannot guarantee their continued availability, pricing, policies, functionality or performance.
Third-party platforms may change their rules or services at any time.
Unless expressly stated otherwise, SKRATCH is not affiliated with, endorsed by, sponsored by or officially connected with these third parties.
7. Refunds
Purchases are subject to the refund terms presented on the applicable checkout or purchase page and our Refund Policy.
Where a third-party payment or affiliate platform processes the purchase, refund processing may also be subject to that platform's procedures.
8. Limitation of Liability
To the maximum extent permitted by applicable law, SKRATCH and its operators will not be liable for indirect, incidental, special or consequential loss arising from your use of the training or implementation of the strategies discussed.
Nothing in these Terms excludes rights or remedies that cannot lawfully be excluded under applicable consumer law.
9. Changes
We may update these Terms from time to time.
The latest version published on this website will apply from its stated effective date.
10. Contact
For questions regarding these Terms, please use the contact information provided on the SKRATCH website.