1. This agreement
These terms are a contract between you and Kadosh & Co. ("we", "us"), publisher of Del's Book of Finance — 2026 Guide Edition (the "Book"), available at book.kadoshdigital.org (the "Service").
By subscribing, entering a licence key, or reading any part of the Book, you agree to these terms. If you do not agree, do not subscribe and do not use the Service.
You must be at least 18 years old, or have permission from a parent or guardian, to subscribe.
2. What you are buying
You are buying time-limited access to read the Book online while your subscription is active. You are not buying the Book itself, a copy of it, or a file you keep.
There is no download. The Book is delivered as web pages only. We do not supply a PDF, an EPUB, a printed copy, or any offline file, and nothing in these terms obliges us to.
When your subscription ends, your access ends. You will no longer be able to open the Book. Anything you wrote down or worked through yourself remains yours.
3. Billing & renewal
- The subscription costs US $50.00 per month.
- It renews automatically every month on the anniversary of your purchase, until you cancel.
- Payments are processed by Stripe. We never see or store your card number.
- Prices may change. We will give you at least 30 days' notice by email before a change affects you, and you may cancel before it takes effect.
- If a payment fails, your access is paused. If payment is not resolved, the subscription and your licence key are cancelled.
- You are responsible for any taxes that apply where you live.
4. No refunds
All sales are final. We do not give refunds. This includes unused time, partly used months, months you forgot to cancel, accidental renewals, and any period during which you did not read the Book.
Because the Book is digital and access is granted immediately, the entire product is delivered to you the moment you subscribe. That is why sales are final.
You accept this policy at checkout before any money is taken. It is shown to you on the payment page, and your acceptance is recorded.
If you are in the EU or UK
Consumer law in the EU and UK normally gives you 14 days to change your mind about digital content. By subscribing and immediately opening the Book, you expressly request immediate delivery and acknowledge that you lose that 14-day right of withdrawal once access begins. This consent is collected at checkout.
The narrow exceptions
We will make it right in only these cases:
- Duplicate charge. If you were billed twice for the same month, we refund the duplicate.
- Billed after cancelling. If you cancelled and were charged anyway, we refund that charge.
- We cannot deliver. If the Service is unavailable for more than 72 consecutive hours through our fault, you may request a credit for that period.
- Where the law requires it. If mandatory consumer law in your country gives you a refund right that cannot be waived, we will honour it.
Chargebacks
If you dispute a charge with your bank instead of contacting us, we will supply your acceptance of these terms, your access logs, and your reading activity to the card network. Accounts under an unresolved dispute are suspended. We may decline future subscriptions from anyone who charges back a delivered subscription.
Please just email us first — problems are usually fixed in a day.
5. Cancelling
You can cancel any time, with no phone call and no retention process. Use the "Manage subscription" link on any Stripe receipt email, or email us and we will cancel it for you.
Cancelling stops all future charges. It does not refund the current month. Your access continues until the end of the period you already paid for, then stops.
6. Your licence
While your subscription is active and in good standing, we grant you a personal, limited, revocable, non-exclusive, non-transferable licence to read the Book for your own use.
Your licence key is issued to you alone. It is not property, it cannot be sold, gifted, resold or transferred, and it may be used on up to two devices at a time. Signing in on a third device signs out the oldest.
7. Acceptable use
You agree that you will not:
- share, sell, lend, publish or give away your licence key;
- copy, reproduce, republish, post, upload or distribute any part of the Book;
- use software, scripts, scrapers, automation or bulk downloading against the Service;
- get around, disable or interfere with any access control, rate limit or watermark;
- remove, alter or obscure any watermark, notice or attribution;
- use the Book to create a competing product, course or derivative work;
- use the Service unlawfully or to harm it or other readers.
Normal personal use is fine: reading it, taking your own notes, and working through the steps for yourself or your own business.
8. Watermarking & monitoring
Every page of the Book you open is marked with your identity — visibly with your email address, and invisibly within the text itself. If a copy appears anywhere, we can identify the account it came from.
We tell you this openly, in advance, because it is fair that you know and because it is the reason we can keep the price at one subscription rather than pricing in theft.
To operate and protect the Service we record: your email address, your licence key in hashed form, which chapters you open and when, a coarse network identifier derived from your IP address, and a basic browser fingerprint. We use this to deliver the Book, spot shared keys and bulk copying, and support you.
9. Suspension & termination
We may suspend or terminate your licence immediately, without refund, if we reasonably believe you have broken section 7 — in particular if a key is shared across many devices or networks, or if activity looks like automated bulk extraction rather than reading.
Some of this is automatic. If your key is suspended by mistake, email us and we will look at it and restore access promptly if it was a false alarm.
You may end this agreement at any time by cancelling. Sections 4, 10, 11, 12, 13 and 16 survive termination.
10. Intellectual property
The Book, its text, structure, diagrams, checklists and design are owned by us and protected by copyright. Nothing in these terms transfers ownership of anything to you.
Third-party videos linked from the Book belong to their creators. We link to them; we do not host or claim them.
If you distribute the Book we will pursue the remedies available to us, which may include takedown notices and claims for damages. Our watermarking is designed to make the source of a leak identifiable.
11. Not financial advice
The Book is educational material. It is not financial, investment, tax, accounting or legal advice, and it is not personalised to your circumstances.
We are not a licensed financial adviser, broker, accountant, credit repair organisation or law firm, and no relationship of that kind is created by your subscription.
Nothing in the Book is a promise, guarantee or projection of income or results. Where the Book mentions figures earned by other people, those are their claims, are not verified by us, and are not a forecast for you. Most people who attempt any business venture do not get the results of the most successful examples.
Credit, tax, business and trading rules differ by country and change over time, and trading and business carry a real risk of losing money. Check your own situation with a qualified professional before acting, and make your own decisions.
12. Warranties
We work hard to keep the Book accurate and current, and to keep the Service up. Even so, the Service is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows.
We do not warrant that the Book is free of errors, that it will suit your particular purpose, or that access will be uninterrupted. Some jurisdictions do not allow certain exclusions, in which case those exclusions do not apply to you.
13. Liability
To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings, lost business or lost data, arising from your use of the Book.
Our total liability to you for any claim connected with the Service is limited to the amount you actually paid us in the three months before the claim arose.
Nothing here limits liability that cannot lawfully be limited, including for fraud or death or personal injury caused by negligence.
14. Privacy
What we collect: your email address, a one-way hash of your licence key, your Stripe customer and subscription identifiers, which chapters you open and when, a coarse hashed network identifier, and a basic browser fingerprint.
What we do not collect: your card number, which is handled entirely by Stripe and never reaches us. We do not store raw IP addresses, and we do not run advertising trackers on the reader.
Why: to deliver the Book, bill you, protect against sharing and copying, and provide support. We do not sell your data or share it for marketing.
Who we share it with: Stripe (payments), Resend (sending your key by email), and Netlify (hosting). Each processes it only to provide their service.
How long: account records while you are a customer and for up to 7 years after, for tax and accounting. Reading-activity logs are kept short-term for abuse detection.
Your rights: email us to request a copy of your data, correct it, or delete it. We will respond within 30 days. Deleting your data ends your access, and existing legal and accounting obligations may require us to retain some records.
15. Changes to these terms
We may update these terms. If a change materially affects your rights, we will email you at least 30 days before it takes effect. Continuing to use the Service after that means you accept the change. If you do not accept it, cancel before it takes effect.
The "last updated" date at the top always shows the current version.
16. Governing law
These terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. The state and federal courts located in Broward County, Florida have exclusive jurisdiction, and you consent to that venue.
If you are a consumer resident elsewhere, this does not deprive you of the protection of mandatory consumer laws in your country of residence.
If any provision is held unenforceable, the rest remains in force.
17. Contact
Kadosh & Co.
Email: del@kadoshgrowth.com
Web: kadoshdigital.org
For billing questions, licence problems, or a key that stopped working, email us and we will sort it out.