Effective Date: 1 August 2025
Contact: teamkretomerce@gmail.com

Our Consumer Services (Digital Content & Consulting)

1. What’s in these terms?

What these terms cover.
These are the terms and conditions on which Kretomerce (“Kretomerce”, “we”, “us” or “Company”) supplies digital content, consulting, marketing and related services to you.

Why you should read them.
Please read these terms carefully before you purchase or use any product, program, coaching, event ticket or service from us. They explain who we are, how we supply services, payment terms, refunds, your rights and our liabilities.

By purchasing or using our services you confirm that you accept these terms. We may amend these terms from time to time — check them each time you purchase.

2. Information about us and how to contact us

Who we are.
We are Kretomerce. If you need more legal details (company registration number, address) we will provide them on request.

How to contact us.
Email: teamkretomerce@gmail.com. By using our site or services you accept these terms. If you do not accept them, do not use our services.

3. Our contract with you

How we accept your order.
A contract between you and Kretomerce is formed when we email you to confirm acceptance of your order or subscription.

If we cannot accept an order.
If we are unable to accept your order (for example, because we lack capacity or an error appears in the price), we will let you know and will not charge you.

4. Eligibility & how we may change things

Age & capacity.
You must be at least 18 years old to buy paid services from us. By ordering you confirm you have authority to do so.

We may change the service.
We may:

• Change dates or times of coaching sessions or events (we will notify you).
  
  

• Make minor changes to digital content to reflect legal, technical or editorial updates.
  Minor changes will not materially affect your ability to use the product.
  
  
  

5. Digital content and delivery

Digital content (one-off purchases).
Where the product is digital content (download, streaming or immediate access program), access will be available on acceptance of payment. You are responsible for maintaining any device or internet access required to use the content.

Coaching & consulting delivery.
If you purchase coaching, consulting or retainers we will deliver services as agreed in your proposal or booking confirmation.

6. Price and payment

Where to find the price.
The price will be shown on the order page at the time you place the order. All prices are quoted in the currency shown at checkout.

Payment terms.
Fees are due as set out in your proposal, contract or checkout. If you use a split-payment option (where available) you become liable for the full agreed amount when you place the order.

Late or non-payment.
We may suspend or stop services if payments are overdue and charge interest where permitted by law.

7. Refunds and cancellations

Digital downloads & streaming.
Because digital content is available immediately after payment, you do not have an automatic statutory right to cancel once access has started. We do not provide refunds for digital content that has been accessed, unless otherwise stated in a promotion.

Digital products — limited exception.
If less than 20% of a purchased digital product has been accessed, you may request a refund within 7 days of purchase. After that period no refunds are available.

Consulting, retainers & marketing services.
Fees for consulting, strategy work, or performance-marketing retainers are non-refundable once work has commenced. Clients may cancel an ongoing retainer by providing 30 days’ written notice; any fees due up to the effective cancellation date remain payable.

Events & programs.
Tickets and program enrollments are non-refundable. Transfers to another participant may be allowed with our prior approval.

8. Intellectual property, confidentiality & testimonials

Intellectual property.
All content, materials, tools, frameworks, dashboards, templates and training materials provided by Kretomerce remain our sole intellectual property. You may not copy, distribute, republish or sell any materials without our written permission.

Confidential information & non-disclosure.
Our programs may expose you to proprietary methods and confidential materials. You agree not to share, publish or repurpose Kretomerce materials or proprietary content for commercial use without our express written consent.

Testimonials and social proof.
If you publish public positive feedback (reviews, social posts) we may use these as testimonials for marketing. By posting public testimonials you grant Kretomerce a non-exclusive, worldwide, perpetual licence to use the text and your name for promotional purposes (unless you request otherwise).

9. No guarantees & earnings disclaimer

No guaranteed results.
We provide strategies, tools and advice. You acknowledge that we do not guarantee specific results, sales, or income. Results depend on many factors outside our control (market conditions, ad-platform decisions, your execution).

Risk acknowledgment.
Performance marketing and entrepreneurship involve risk. You accept full responsibility for your outcomes and any business decisions you make.

Testimonials.
Case studies and testimonials reflect individual results and are not promises or guarantees of future performance.

10. Limitation of liability

Our liability.
To the maximum extent permitted by law, Kretomerce’s liability to you for any loss arising under or in connection with these terms shall be limited to the total fees you paid to Kretomerce in the 12 months preceding the event giving rise to liability.

We are not liable for indirect, incidental, special or consequential losses (including loss of profits, loss of data, loss of business or loss of goodwill).

Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence or for any other liability that cannot be excluded by law.

11. Data protection & privacy (summary)

How we use your personal information.
We collect personal information to deliver services, process payments, provide customer support, and send updates. This may include name, email, phone, billing details, business information and analytics (cookies, IP, device).

Third-party services.
We use third-party tools (e.g., Stripe, Shopify, Meta/TikTok ads). Those providers have their own privacy practices.

Your rights.
You may request access, correction or deletion of your personal data by emailing teamkreatomerce@gmail.com. We will respond in line with applicable law.

Security.
We implement reasonable technical and organisational safeguards, but no internet system is perfectly secure.

12. Other important terms

Changes to these terms.
We may update these terms. If changes are material we will notify you in advance.

Transfer of rights.
We may transfer our rights and obligations under these terms to another organisation. You may not transfer your rights without our written consent.

Entire agreement.
These terms (plus any order confirmations and privacy policy) form the entire agreement between you and Kretomerce.

Survival.
Clauses about intellectual property, confidentiality, limitation of liability and payments survive termination.

13. Governing law and dispute resolution

These terms are governed by the laws of the Republic of South Africa. Any dispute arising under or in connection with these terms will be referred to binding arbitration in Johannesburg, South Africa, unless otherwise required by law.

Privacy Policy (short summary)

Effective Date: 1 August 2025

We collect personal and business information necessary to deliver services, process payments and improve our offerings. We use cookies and analytics to operate the site. We share data only with trusted third-party service providers and as required by law.

You may request access, correction, or deletion of your personal data by emailing teamkreatomerce@gmail.com.

Refund & Cancellation Policy (summary)

Effective Date: 1 August 2025

• Consulting & retainers: Non-refundable once work has begun. 30 days’ notice required for cancellation.
  
  
  

• Digital products: Refund within 7 days only if <20% accessed. No refunds after that period.
  
  
  

• Events & programs: Non-refundable; transfers may be permitted with approval.
  
  
  

Earnings Disclaimer

Effective Date: 1 August 2025

Kretomerce does not promise or guarantee specific income, sales or business results. Any examples, case studies or testimonials represent individual results and should not be interpreted as typical. Your results depend on your effort, market conditions and execution.