Terms of
Digital Sales
Please read these Terms carefully before completing any purchase. By proceeding with a purchase of any digital product or subscription from paulfaulkner.com, you confirm that you have read, understood, and agree to be legally bound by these Terms of Digital Sales. These Terms form part of the overarching Terms & Conditions governing your use of this Website.
These Terms apply to all digital products, publications, manuscripts, frameworks, and subscription services sold via paulfaulkner.com and associated platforms including Substack.
Digital Products Covered
These Terms apply to all of the following product categories:
These Terms also apply to any future digital products, reports, or publications made available via this Website or associated platforms.
No-Refund Policy
All sales of digital products are final and non-refundable. Once a digital product has been delivered or access has been granted, no refund will be issued under any circumstances, including change of mind, failure to read the product, or dissatisfaction with content.
This policy is consistent with and permitted by Regulation 28(1)(b) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, which provides that the 14-day right to cancel does not apply to digital content where:
- The consumer has given prior express consent to delivery beginning before the cancellation period has expired
- The consumer has acknowledged that their right to cancel is thereby lost
By completing your purchase and initiating delivery or download, you expressly provide that consent and make that acknowledgement. Your statutory cancellation right is waived from the moment of purchase confirmation.
This no-refund policy applies regardless of whether you have read the product in full, in part, or not at all. The intellectual property contained within digital products is delivered in its entirety upon access being granted.
Subscription Terms
The following additional terms apply to recurring subscription products including The Rogue Protocol on Substack:
- Cancellation. You may cancel your subscription at any time via your Substack account settings. Cancellation takes effect at the end of your current billing period. You will retain access until that date.
- No pro-rata refunds. No refund is issued for any unused portion of a subscription period following cancellation.
- Billing. Subscriptions are billed in advance on a monthly or annual basis as selected at point of purchase. Pricing is displayed inclusive of any applicable taxes.
- Price changes. The Operator reserves the right to amend subscription pricing. Existing subscribers will be notified in advance of any price change. Continued subscription following notice constitutes acceptance of the revised price.
- Access. Subscription access is personal and non-transferable. Sharing login credentials or subscription access with third parties is a breach of these Terms.
Chargebacks & Payment Disputes
Initiating a chargeback or payment dispute without valid grounds — including disputes based on change of mind or dissatisfaction with content — constitutes a breach of these Terms.
Where an unjustified chargeback is initiated, the Operator reserves the right to:
- Immediately terminate access to all digital products and subscription services without further notice
- Pursue recovery of the disputed amount through civil proceedings
- Recover associated costs including payment processor fees and legal costs incurred as a result of the dispute
- Report the matter to relevant fraud prevention services
If you have a genuine concern about a payment, contact us at legal@paulfaulkner.com before raising a dispute with your payment provider. We will investigate and respond within 5 working days.
Intellectual Property & Anti-Piracy
All digital products sold via this Website are protected by copyright and other applicable intellectual property laws. Upon purchase, you are granted a limited, non-exclusive, non-transferable, non-sublicensable personal licence to access and use the product for your own private, non-commercial purposes only.
You may not, without prior written consent from the Operator:
- Copy, reproduce, or duplicate any digital product in whole or in part
- Share, distribute, publish, or transmit any digital product to any third party by any means
- Sell, resell, sublicense, or otherwise commercially exploit any digital product
- Use any digital product for training, fine-tuning, or developing artificial intelligence systems
- Upload or post any digital product to any file-sharing platform, forum, or online repository
- Remove, alter, or obscure any copyright notice, watermark, or proprietary marking
Digital Watermarking. All digital products are uniquely watermarked with purchaser identification data at point of delivery. Unauthorised distribution of watermarked content can be traced directly to the original purchaser. Discovery of leaked or distributed copies will result in immediate termination of all access and institutional advisory relationships, pursuit of civil damages for copyright infringement, and referral to relevant enforcement authorities where appropriate.
Breach of this licence is a material breach of these Terms and will be treated as copyright infringement, which may be subject to legal proceedings without further notice.
Delivery & Access
Digital products are delivered electronically. Delivery is deemed to occur upon:
- The product being made available for download, or
- Access credentials or download links being transmitted to the email address provided at purchase, or
- Subscription access being activated on the relevant platform
It is your responsibility to provide a valid, accessible email address at point of purchase. The Operator accepts no liability for non-delivery resulting from an incorrect email address, spam filtering, or email provider issues.
If you experience a genuine technical failure preventing delivery — not change of mind — contact contact@paulfaulkner.com within 48 hours of purchase and we will investigate and re-deliver where appropriate.
Institutional & Bulk Licensing
The standard purchase licence is for individual personal use only. Organisations, firms, or institutions wishing to distribute digital products internally — including to multiple employees, partners, or clients — must obtain a separate written institutional licence.
Institutional licensing is available for hedge funds, family offices, law firms, accountancy practices, and other professional organisations. Pricing and terms are agreed individually.
Unauthorised institutional use without a valid licence agreement constitutes copyright infringement and breach of these Terms.
Contact form: paulfaulkner.com/contact/
We will respond to licensing enquiries within 5 working days.
Limitation of Liability
To the maximum extent permitted by applicable law, the Operator’s total liability in connection with any digital product purchase shall not exceed the amount paid for that specific product.
The Operator shall not be liable for any indirect, consequential, or special losses arising from your use of or inability to use any digital product, including but not limited to loss of profit, loss of opportunity, or losses arising from financial decisions made in reliance on product content.
Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully excluded under the laws of England and Wales.
All digital products are sold as informational and educational materials only. They do not constitute financial, investment, tax, or legal advice. See the Risk Disclosure & Anti-Scam Statement for full risk disclosures.
Acceptance
By clicking Confirm Purchase, Subscribe, or equivalent confirmation, you confirm that you:
Have read and understood these Terms of Digital Sales in full and agree to be legally bound by them.
Consent to immediate digital delivery and acknowledge that your statutory 14-day right to cancel is waived from the moment of purchase confirmation.
Understand that all sales are final and non-refundable, and that you will not initiate chargebacks or payment disputes without valid grounds.
Agree to use the digital product solely for personal, non-commercial purposes under the licence granted, and will not share, distribute, or reproduce the product without written authorisation.
Acknowledge that digital products are informational only and do not constitute regulated financial advice.
These Terms were last updated on 28 February 2026 and supersede all prior versions. Governing law: England and Wales.
Questions regarding institutional licensing or a purchase issue?
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