Terms of Service
Welcome to Havstock.com, operated by Havstock FZ-LLC, a free zone limited liability company registered in Ras Al Khaimah, United Arab Emirates (“Havstock,” “we,” “our,” or “us”).
By accessing or using our website, products, services, or any related content (collectively, the “Services”), you agree to these Terms of Service (“Terms”) and to our Refund Policy and Privacy Policy, which form part of these Terms. Please read them carefully.
If you do not agree with these Terms, do not use our website or services.
1. Overview
Havstock provides digital products, digital marketing, funnel development, community membership, and consulting services to businesses and entrepreneurs. These Terms govern your use of our website and any products, services, or information provided through it.
2. Use of Our Services
By using our Services, you represent that you are at least 18 years old and legally capable of entering into this agreement, and that you are purchasing for business purposes.
You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations. You may not use our site to distribute malware, spam, or any content that infringes on another party’s rights.
3. Intellectual Property and Product License
All content, designs, graphics, code, text, and materials on Havstock.com are owned by or licensed to Havstock and are protected by copyright, trademark, and other intellectual property laws.
Digital products are licensed, not sold. Your purchase grants you a non-exclusive, non-transferable license to use the product for your own business (or, where the product expressly permits, for your clients’ projects). You may not copy, resell, redistribute, share, publish, sublicense, or use any digital product to create a competing product. This license applies equally to current products and to discontinued products you retain access to.
4. Products and Payments
All prices and fees are listed or quoted in USD. Payments are processed by third-party payment providers (including Stripe).
4.a. Digital Products, Templates, Snapshots, and One-Click Upsells/Downsells
Digital products - including downloadable templates, files and ZIP archives, GoHighLevel snapshots and automations, AI skill files, order bumps, one-click upsells and downsells, courses, and training materials - are delivered immediately upon purchase. Where a one-click upsell or downsell is offered after checkout, the price is displayed before you confirm, and confirming charges your payment method immediately as a separate transaction.
All digital product sales are final. Refunds are governed exclusively by our Refund Policy, which includes any product-specific guarantee advertised on a product’s sales page and a conditional money-back review requiring evidence of implementation. Refund decisions outside an advertised guarantee are made at our sole discretion.
4.b. Payment Plans and Instalments
Some products are offered on a payment plan, being an initial payment followed by one or more scheduled instalments. A payment plan is a method of paying for a single purchase over time. It is not a subscription, not a trial, and not a discount, and it does not change the price of the product.
By selecting a payment plan at checkout you authorise us and our payment processors to charge each scheduled payment in that plan, on the dates disclosed to you at checkout, using the payment method you provide. You remain responsible for the full purchase price. Cancelling the plan, cancelling or removing the payment method, disputing a payment, or ceasing to use the product does not cancel your purchase and does not discharge your obligation to complete the plan. If a scheduled payment is cancelled, fails, or is disputed, we may suspend or revoke your access to the product immediately, and the remaining balance becomes payable in full. Refunds in respect of payment plans are governed by our Refund Policy. We may decline to offer a payment plan to any customer and may require payment in full.
4.c. Community Membership and Free Trial
Our Consulting community is hosted and billed through Skool.com. New members receive a 7-day free trial; unless cancelled before the trial ends, billing begins automatically at the advertised monthly price and recurs monthly until cancelled. You can cancel at any time through your Skool account, which stops future billing; amounts already billed are not refunded. Skool’s own terms and policies also apply to your membership.
4.d. Done-For-You and Consulting Services
Payments are required upfront unless otherwise stated in writing. Because our services involve custom work and strategy, all service sales are final and non-refundable once work has commenced.
4.e. Discontinued Products
Products we no longer sell remain available to their original purchasers on an as-is basis under the license they were purchased with. We may retire hosted or platform-dependent components of discontinued products with reasonable notice where practicable.
If you have a payment issue or dispute, contact us at support@havstock.com before contacting your bank, and we will review your case individually.
5. Results Disclaimer
We make no guarantees about specific financial or performance results from using our products or services. Outcomes depend on many factors beyond our control, such as your offer, pricing, audience, market conditions, and execution. Testimonials and examples reflect individual experiences and are not a promise of similar results. You acknowledge that Havstock is not responsible for your business performance, sales, or profitability. See our Disclaimer.
6. Third-Party Tools and Integrations
Our products and systems may integrate with or depend on third-party platforms (e.g., GoHighLevel, Skool, Anthropic’s Claude, ad platforms, or email providers). We are not responsible for the operation, performance, pricing, or data handling of those external platforms, and product functionality that depends on a third-party platform may change if that platform changes. By using our Services, you also agree to comply with the terms and policies of those third parties.
7. Limitation of Liability
To the fullest extent permitted by law, Havstock and its team shall not be liable for any indirect, incidental, or consequential damages arising from your use of (or inability to use) our website, products, or services. Our total liability under these Terms shall not exceed the amount you paid to us for the specific product or service in question.
8. Indemnification
You agree to indemnify and hold harmless Havstock, its affiliates, and its team from any claims, damages, or losses arising out of your misuse of our Services, violation of these Terms, or infringement of any rights of a third party.
9. Termination
We reserve the right to suspend or terminate access to our Services at any time, without notice, if we believe you have violated these Terms (including the product license in Section 3), filed a payment dispute in bad faith, or acted unlawfully.
10. Your Statutory Rights
Nothing in these Terms excludes, restricts, or modifies any consumer right or guarantee under applicable law that cannot lawfully be excluded, including under the Australian Consumer Law, the UK Consumer Rights Act 2015, or European Union consumer protection law. Where such rights apply, our liability is limited to the extent permitted by that law.
11. Governing Law and Jurisdiction
These Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Ras Al Khaimah. Subject to Section 10, any dispute arising out of these Terms shall be subject to the exclusive jurisdiction of the courts of Ras Al Khaimah, United Arab Emirates.
12. Changes to These Terms
We may update these Terms from time to time. Any revisions take effect when posted on this page, with the updated date shown at the top. By continuing to use our Services after such updates, you agree to the revised Terms.
13. Contact
For any questions or concerns about these Terms, contact us at: