Terms of Service

Effective: 2025 | Updated: October 2026

These Terms & Conditions govern your use of the website operated by Jaylana Saraya, LLC, including the Black Coffee & Gold brand, and any products or services offered through it.

By accessing this website or purchasing or using our products, you agree to these terms.

1. Products and Services

Jaylana Saraya, LLC provides educational content and digital products, including workbooks, trackers, templates, guides, courses and other downloadable resources.

Our products are designed to support financial literacy, organization and informed decision-making. They are not a substitute for individualized financial, investment, tax or legal advice.

2. Digital Products and Delivery

Digital products are generally delivered electronically through our website, email or a third-party platform, as applicable.

You are responsible for providing accurate contact information and ensuring that you can access and download your purchases.

If you experience a delivery or access issue, please contact us at the email address listed below.

3. Pricing and Payments

Prices are displayed at the point of purchase and may change at any time for future purchases.

Payments are processed through the applicable checkout or payment provider. Applicable taxes will be handled as required by law.

Your purchase is subject to successful payment processing.

4. Refunds and Cancellations

Refunds and cancellations are handled in accordance with the refund policy disclosed at the point of purchase and applicable law.

Due to the nature of digital products, refunds may be restricted once a product has been delivered or accessed, where legally permitted. Nothing in these terms limits any consumer rights that cannot legally be excluded.

Please review the applicable product and checkout details before purchasing. For order or refund inquiries, contact us using the details below.

5. Intellectual Property and Permitted Use

Unless otherwise stated, the content and materials provided by Jaylana Saraya, LLC, including educational resources, workbooks, templates, text, graphics, branding and designs, are owned by or licensed to the company and are protected by applicable intellectual property laws.

Unless a separate written license expressly provides otherwise, purchases grant you a limited, non-exclusive, non-transferable license for personal use.

You may not, without express written permission or an applicable separate license:

• Resell, redistribute, share or give away purchased files.

• Reproduce or republish our materials for commercial use.

• Upload our products to public file-sharing websites or repositories.

• Modify and resell our materials as your own.

• Use our materials to create competing products for distribution or sale.

Purchasing a product does not transfer ownership of its underlying intellectual property.

Some products may include separate commercial-use, extended-use or private-label rights licenses. Where provided, those licenses govern the additional permissions granted and any applicable restrictions.

6. Acceptable Use

You agree not to use this website for unlawful purposes, attempt unauthorized access, interfere with website operations or introduce malicious software.

We reserve the right to restrict access when reasonably necessary to protect our website, business or users, subject to applicable law.

7. Financial Education Disclaimer

All financial content and educational products are provided for informational and educational purposes only.

Jaylana Saraya, LLC does not provide individualized financial, investment, tax or legal advice and does not guarantee particular financial results.

You are responsible for your own financial decisions and should consider your individual circumstances before acting on any information provided. Please review our separate Disclaimer for additional details.

8. Third-Party Links and Services

Our website may contain links to third-party websites, products or services for informational purposes or convenience.

We do not control or guarantee the content, availability, policies or practices of third-party providers. Your use of those services is subject to their applicable terms and policies.

9. Website Availability and Changes

We may update our content, modify our products or change website features from time to time.

We make reasonable efforts to maintain website availability and provide accurate information but cannot guarantee uninterrupted access or that all content will always be current or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Jaylana Saraya, LLC will not be liable for indirect, incidental, special or consequential losses arising from your use of this website or our products.

To the fullest extent permitted by applicable law, our total liability arising from a particular purchase will not exceed the amount paid for that purchase, except where applicable law requires otherwise.

Nothing in these terms excludes or limits liability that cannot legally be excluded or limits consumer rights that cannot legally be waived.

11. Governing Law

These Terms & Conditions are governed by the laws of the state of Washington, USA, except where mandatory applicable law provides otherwise.

Any disputes will be handled by a court or other forum with appropriate jurisdiction, subject to applicable law.

12. Changes to These Terms

We may update these Terms & Conditions periodically. Revised terms will be posted on this page with an updated date.

Changes will apply as permitted by applicable law.

14. Contact Us

For any questions about these Terms or your use, please contact Jaylana Saraya, LLC at:

• Email: jaylana@jaylanasaraya.com

• Website: jaylanasaraya.com