Terms & Conditions

By purchasing any services, programs, or products from Vera T. Brown, you agree to the following Terms and Conditions. Please read them carefully before completing your transaction.

1. General

These Terms and Conditions govern all transactions made through this website or other authorized payment channels provided by Vera T. Brown. Vera T. Brown reserves the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting.

2. Payments

All payments must be made in full at the time of purchase unless otherwise specified. Accepted payment methods include Visa, Mastercard, Discover, American Express, PayPal, Zelle, Google Pay, and Apple Pay. Your payment details are securely processed through Stripe. We do not store your payment information on our servers.

3. Refund Policy

All sales are final unless stated otherwise for specific programs or services. For programs with a refund policy, requests must be submitted within the specified time frame and must comply with the stated refund conditions. Any fees related to chargebacks, failed payments, or disputes are the responsibility of the customer.

4. Payment Plans

If a payment plan option is selected, you agree to pay all scheduled installments on time. Late or failed payments may result in suspension of access to programs, services, or products until outstanding balances are paid. Vera T. Brown reserves the right to send overdue accounts to collections if payments remain unpaid beyond 30 days of the due date.

5. Intellectual Property

All content provided as part of Vera T. Brown’s services or programs, including but not limited to course materials, videos, workbooks, and templates, remains the intellectual property of Vera T. Brown. You may not reproduce, distribute, or share the content without explicit written permission.

6. Limitations of Liability

Vera T. Brown is not liable for any indirect, incidental, or consequential damages resulting from the use or inability to use the purchased services or products. Results are not guaranteed and will vary depending on individual effort, application, and circumstances.

7. Privacy

Your personal and payment information is protected under our Privacy Policy. By purchasing, you consent to the collection and use of your information as outlined in our policy.

8. Dispute Resolution

Any disputes related to payments or these Terms and Conditions will be resolved in accordance with the laws of the State of Florida. Before taking any legal action, you agree to attempt resolution through direct communication with Vera T. Brown.

9. Contact Information

For any questions or concerns regarding payments, refunds, or these Terms and Conditions, please contact us at info@veratbrown.net.