Terms of Service

Last updated: February 20, 2026

By accessing or using the Economic Ninja website at ninjamoneymindset.com and/or purchasing any courses or products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or purchase our products.

1. Products and Services

Economic Ninja offers digital educational courses and materials, including The Ninja 9 and related bonus content. All courses are delivered digitally through the Teachable platform. Upon purchase, you will receive access to your course content via the email address you provide at checkout.

2. Account and Access

When you purchase a course, you receive a personal, non-transferable, non-exclusive license to access the course content for your own educational use. You agree not to:

Share your login credentials with others
Reproduce, distribute, or resell any course content
Record, download, or redistribute video lessons or course materials
Use course content for commercial purposes without written permission

Access to purchased courses is lifetime, meaning as long as the course remains available on the Teachable platform.

3. Pricing and Payment

All prices are listed in U.S. Dollars. We reserve the right to change pricing at any time. Promotional or sale pricing is available for a limited time and may be modified or discontinued without notice. Payment is processed securely through Teachable.

4. Refund Policy

4.1 Individual Course Purchases

We offer a 14-day refund window on individual course purchases, subject to the following conditions:

You must request your refund within 14 days of the original purchase date.
You must not have completed 50% or more of the course content (including video lessons, modules, or downloadable materials).
If you have accessed 50% or more of the course content, you are not eligible for a refund, as substantial value has been delivered.

To request a refund, contact us at NinjaLearningCenter@gmail.com within the 14-day window. Refund requests made after 14 days from the date of purchase will not be honored under any circumstances.

4.2 Bundle Purchases

For bundle purchases containing multiple courses, the following refund terms apply:

If you have not watched 50% or more of any course in the bundle, you are eligible for a full refund within the 14-day refund window.
If you have watched 50% or more of one or more courses in the bundle, you are not eligible for a full refund. Instead, your refund amount will be calculated as the bundle purchase price minus the individual retail price of each course for which you have completed 50% or more of the content.
If the total retail value of the courses you have substantially consumed equals or exceeds the bundle price, no refund will be issued.

4.3 Refund Abuse

We reserve the right to deny refund requests from any customer who we reasonably determine is abusing our refund system. This includes, but is not limited to:

Customers who have requested and received three (3) or more refunds across any Economic Ninja products. Customers who meet this threshold will be permanently ineligible for future refunds.
Patterns of purchasing courses, consuming a significant portion of the content, and then requesting refunds.
Any other behavior that we reasonably believe constitutes abuse of our refund policy or platform.

4.4 Chargebacks

If you initiate a chargeback or payment dispute with your bank or credit card company instead of contacting us directly for a refund, we reserve the right to permanently ban your account and revoke access to all courses and products associated with your account, including any previously purchased content. We encourage you to contact us first at NinjaLearningCenter@gmail.com to resolve any billing concerns before disputing a charge.

4.5 Promotional Offers

Refund terms advertised on specific landing pages or promotional offers may provide more generous refund windows or terms than those stated here. In such cases, the promotional terms will apply to that specific purchase. These Terms of Service represent our baseline refund policy.

5. Educational Content Disclaimer

All content provided by Economic Ninja is for educational and informational purposes only. It does not constitute financial advice, investment advice, tax advice, or any other form of professional advice. Please refer to our Disclaimer for full details.

You are solely responsible for your financial decisions. Economic Ninja does not guarantee any specific results or outcomes from using our educational materials.

6. Intellectual Property

All content on this website and within our courses — including text, graphics, logos, images, video content, audio content, and course materials — is the property of Economic Ninja and is protected by copyright and intellectual property laws. Unauthorized use, reproduction, or distribution of this content is prohibited and may result in legal action.

7. User Conduct

When using our website or courses, you agree not to:

Violate any applicable laws or regulations
Infringe on the intellectual property rights of Economic Ninja or any third party
Attempt to gain unauthorized access to our systems or other users' accounts
Use our content to create competing products or services
Harass, abuse, or harm other users or our staff
Use hostile, threatening, abusive, or harassing language toward any Economic Ninja representative, employee, contractor, or support staff — whether via email, chat, social media, or any other communication channel

7.1 Account Termination for Conduct Violations

If you engage in hostile, threatening, or harassing behavior toward any Economic Ninja representative, or if we reasonably determine that you are abusing our platform, services, or refund system, we reserve the right to permanently ban your account and revoke access to all courses and products associated with your account — including previously purchased content — without refund. This action may be taken at our sole discretion and without prior notice.

8. Limitation of Liability

To the maximum extent permitted by law, Economic Ninja and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website, courses, or any information provided therein. This includes but is not limited to financial losses from investment decisions made based on our educational content.

9. Indemnification

You agree to indemnify, defend, and hold harmless Economic Ninja and its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of our website or courses, your violation of these Terms, or your violation of any third-party rights.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party services is at your own risk.

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our website or courses after changes are posted constitutes your acceptance of the modified terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms shall be resolved through binding arbitration or in the courts of competent jurisdiction.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact

If you have questions about these Terms of Service, please contact us at NinjaLearningCenter@gmail.com.