Welcome to the Healthy Billionaire Academy Store.
These Terms & Conditions govern your use of the Healthy Billionaire Academy Store and your purchase of digital products, educational materials, guides, templates, courses, resources and other products made available through the store.
By accessing the store or purchasing a product, you acknowledge that you have read, understood and agreed to these Terms & Conditions.
1. About the Store
Healthy Billionaire Academy (“HBA”, “we”, “us”, or “our”) provides educational and informational products focused on personal development, entrepreneurship, financial education, digital skills, business, productivity, wealth-building principles and related subjects.
The store may offer digital products including but not limited to:
- PDF guides and ebooks
- Educational courses
- Templates
- Prompt libraries
- Checklists and workbooks
- Business resources
- Digital tools and educational materials
- Other downloadable or electronically delivered products
2. Digital Products
Unless a product page expressly states otherwise, products purchased through the store are digital products.
Because digital products are delivered electronically, customers are responsible for providing an accurate email address and ensuring they have a suitable device, internet connection and compatible software for accessing their purchase.
Before purchasing, customers should carefully review the product description, price, format, intended audience and stated deliverables.
We aim to describe every product accurately and clearly.
3. Product Access and Delivery
After a successful payment, your purchased product may be delivered through Selar's digital delivery system, download page, email, course platform or another method stated on the relevant product page.
Please check your email, including your spam, promotions or junk folders, if you do not immediately see your access information.
If you experience a genuine delivery or access problem, contact us at:
We will make reasonable efforts to help you access a product you have successfully purchased.
4. Prices and Payments
All prices displayed on the relevant product page are the prices applicable at the time of purchase, subject to any clearly stated discounts or promotions.
Payment processing may be handled by Selar and/or its payment partners.
We do not have access to or store your complete card or banking credentials.
5. Educational Disclaimer
Products sold through Healthy Billionaire Academy are primarily educational and informational.
Our materials are not a substitute for professional financial, legal, tax, medical, investment or other regulated professional advice.
Where a product discusses money, investing, business or income opportunities, examples and strategies are provided for educational purposes and should not be interpreted as a guarantee of financial results.
Individual results vary based on circumstances, execution, experience, market conditions and other factors.
We do not guarantee that purchasing or implementing any product will result in a specific amount of income, profit, employment, investment return or business success.
6. No Guaranteed Results
Healthy Billionaire Academy does not promise that customers will:
- Make a specific amount of money;
- Become financially independent;
- Get a particular job;
- Build a successful business;
- Obtain investment returns;
- Generate a particular number of customers or sales; or
- Achieve any other specific financial or personal result.
Any examples of income, business results or financial outcomes used in our marketing are illustrative unless expressly identified as independently verified results.
Your results depend on factors outside our control.
7. Intellectual Property
All original materials provided through the Healthy Billionaire Academy Store remain the intellectual property of Healthy Billionaire Academy and/or their respective rights holders.
Purchasing a digital product gives you a personal, limited, non-exclusive and non-transferable right to use the product for your own lawful purposes.
Unless the product page expressly grants redistribution rights, you may not:
- Resell the product;
- Redistribute the files;
- Upload the product to another website;
- Share paid download links;
- Give copies to large groups or communities;
- Repackage the product and sell it as your own;
- Claim authorship of the material;
- Remove copyright or ownership notices; or
- Use the product to create a competing commercial product substantially based on our protected materials.
Unauthorised sharing, reproduction or commercial redistribution may result in suspension or termination of access and may lead to further action where appropriate.
8. Personal Use
Unless otherwise stated, products purchased from the store are intended for the individual purchaser.
If you need a team, classroom, organisational or commercial licence, please contact us before purchasing.
9. Third-Party Platforms and Links
Some products may reference or recommend third-party websites, applications, services, platforms or resources.
Healthy Billionaire Academy does not control those third parties and is not responsible for their availability, policies, security, content, pricing or performance.
Customers should review the terms and privacy policies of third-party services before using them.
10. Accuracy of Information
We make reasonable efforts to ensure that our educational materials are accurate and useful at the time they are published.
However, information can change, particularly in areas such as technology, financial products, employment opportunities, online platforms, laws and business practices.
We do not guarantee that every piece of information will remain current indefinitely.
11. Changes to Products
We may occasionally update, improve, replace or discontinue products or parts of products.
Where reasonable and applicable, customers who have purchased a product may receive updated versions or replacement access where such updates are part of the product purchased.
12. Account and Access Security
Where a product requires an account, login or individual access credentials, you are responsible for keeping your credentials secure.
You should not knowingly share your personal login credentials with another person.
We may suspend access where we have reasonable evidence of unauthorised access, account sharing, piracy or misuse.
13. Prohibited Use
You agree not to use the store or its products for unlawful activities, fraud, harassment, infringement of intellectual-property rights, unauthorised redistribution or any activity that could damage the store, its customers or third parties.
14. Customer Support
For questions concerning purchases, access or digital-product delivery, contact:
When contacting us about a purchase, please provide enough information for us to identify the transaction, such as your purchase email, order information or receipt.
15. Refunds
Refunds are handled according to our separate Refund Policy, which forms part of these Terms & Conditions.
Nothing in this policy is intended to remove or restrict any consumer right that cannot lawfully be excluded under applicable law.
16. Privacy
Your personal information is handled according to our Privacy Policy.
By using the store, you acknowledge that your information may be processed as necessary to complete purchases, deliver products, provide customer support, maintain records, prevent fraud and comply with applicable legal obligations.
17. Limitation of Liability
To the extent permitted by applicable law, Healthy Billionaire Academy will not be responsible for indirect, incidental or consequential losses arising from the use of our educational materials.
Nothing in these Terms is intended to exclude liability that cannot legally be excluded or limited.
18. Changes to These Terms
We may update these Terms & Conditions from time to time.
The updated version will be published on the store with a revised “Last Updated” date.
Your continued use of the store after an update constitutes acceptance of the updated Terms to the extent permitted by law.
19. Governing Law
These Terms are intended to operate in accordance with applicable laws of the Federal Republic of Nigeria.
Where a dispute cannot be resolved directly, the parties may use any lawful dispute-resolution or consumer-redress mechanism available under applicable Nigerian law.
20. Contact
For questions, complaints, purchase support or clarification concerning these Terms:
Healthy Billionaire Academy
Email: [email protected]