Terms of Service

1. The guide

The Start Switch is a digital guide sold for $9, charged once in US dollars. Buying it gives you lifetime access to the seven chapters, the Fear Audit tool and the bonus resource files, for as long as the product exists. There is no subscription and nothing renews.

Access is for one person. Please don't share your sign-in or redistribute the files — that's the only thing that keeps a $9 product possible.

2. The 30-day refund

If the guide isn't for you, email koomathis23+test1@gmail.com within 30 days of buying and you get a full refund. No questions, no forms, no proof you tried. After 30 days the sale is final.

3. Start Switch Pro and Start Switch Coach

Pro and Coach are optional monthly plans for people who have already bought the guide. Pro is $12 per month. Coach is $24 per month and includes everything in Pro plus the Business Coach. Both are billed automatically through Stripe until you cancel, never required, and the guide works completely without them.

You can cancel any time from your Account page, through Stripe's billing portal. When you cancel, your plan stays active until the end of the period you've already paid for, then stops, and you are never charged again. A month that has started is not refunded, in full or in part. Moving between Pro and Coach is prorated by Stripe.

Your plan starts the moment you pay. Before paying you tick a box asking for that immediate access and acknowledging that you lose your 14-day right of withdrawal (see section 8).

If a payment fails, the plan pauses until it goes through. You keep the same access to the guide either way.

4. If you're under 18

You can use the guide, but you need a parent or guardian's permission to buy anything, and a parent or guardian usually needs to hold the account that pays. Subscribing to Pro requires confirming that you are 18 or older, or that you have that permission. We record when you confirm it.

5. What this is not

The Start Switch is education and coaching. It is not financial, legal or tax advice, and nothing in it promises or guarantees an income. Any number mentioned in the guide is an example of a first price, not a prediction of what you'll earn.

6. Changes and contact

We may update these terms as the product changes; the date at the top always shows the current version. Questions, refunds and anything else: koomathis23+test1@gmail.com.

7. Who you are buying from

The seller is [TO FILL: full name / business name], [TO FILL: legal form and SIRET number], [TO FILL: postal address]. [TO FILL: VAT number, or "VAT not applicable, article 293 B of the French tax code"]. Contact: koomathis23+test1@gmail.com.

Prices are shown in US dollars on the English site and in euros on the French site, all taxes included. Payment is taken by card through Stripe. Access is delivered online, straight after payment, to the email address used at checkout.

8. Immediate access and the 14-day right of withdrawal

The law normally gives consumers in the European Union 14 days to withdraw from an online purchase. That right does not apply to digital content or a digital service that starts immediately, when the buyer has asked for it and has acknowledged losing the right.

That is the case for everything sold here. The guide, Pro and Coach are all delivered the moment you pay. Before every payment you tick a required box: you ask for immediate access, and you acknowledge that you lose your 14-day right of withdrawal. Without that tick, the payment cannot start.

So the rule is the same everywhere. For the guide: no legal withdrawal, but our own 30-day refund in section 2 still applies, no questions asked. For Pro and Coach: no withdrawal and no partial-month refund; you cancel whenever you want and keep your access until the end of the period you paid for (section 3).

When a payment is refunded, for whatever reason, the access it paid for ends.

9. If something goes wrong

Write to koomathis23+test1@gmail.com first: most things are fixed in one email. Digital content sold to consumers in the EU is covered by the legal guarantee of conformity: if what you get is not what was described, you are entitled to have it put right or to be refunded.

If we can't agree, consumers in France can take the matter, free of charge, to a consumer mediator: [TO FILL: name and website of your consumer mediator].

10. Which law applies

These terms are governed by French law. If you are a consumer living in another country, you keep the protection of the mandatory rules of the country you live in.