Dr. Steve Keen "Community Guidelines" Terms of Service

Dr. Steve Keen / Rebel Economist
Terms of Service

Last updated: January 31st, 2026

1. Agreement to Terms
These Terms of Service (“Terms”) are a binding agreement between you (“you,” “your,” “User”) and Creatorjoy Inc. (“Creatorjoy,” “we,” “our,” “us”), operator of the Rebel Economist programs presented by Dr. Steve Keen (the “Programs”).

These Terms govern your access to and use of stevekeenfree.com, stevekeen.com, skool.com/stevekeen, related subdomains, and all related websites, pages, applications, products, and services (collectively, the “Site” or “Services”).

By accessing or using the Site, purchasing any product or service, or clicking “Claim My Spot,” “Buy Now,” “Yes – Upgrade Me,” or similar acceptance buttons, you unconditionally accept and agree to be bound by these Terms. If you do not agree, do not use the Site or purchase any Programs.

THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 25. YOU WAIVE YOUR RIGHT TO A COURT HEARING, JURY TRIAL, AND PARTICIPATION IN A CLASS ACTION, EXCEPT AS EXPRESSLY PROVIDED.

We may update these Terms at any time by posting the updated version on the Site. It is your responsibility to check this page periodically. Continued access or use after changes become effective constitutes your acceptance of the modified Terms.

2. Identity, Merchant, and Contact
Operator / Merchant of Record: Creatorjoy Inc.
Program presented by: Dr. Steve Keen
Support: help@profstevekeen.me
Billing: billing@stevekeen.co
WhatsApp: +1 307 522 1636
Business address: 12703 Canso Place SW, Calgary, Alberta, Canada, T2W 3A8
We typically respond within 2 business days. All times referenced are in US Eastern Time unless stated otherwise.

3. Program Descriptions, Pricing, and Modifications
3.1 General Descriptions
Programs include but are not limited to: live sessions, recordings, written materials, Skool community access, Ravel® / Minsky software workshops, and eligibility for certifications and advanced offerings such as Legacy and Ask Steve Anything.

3.2 Pricing and Currency
All prices are listed in United States Dollars (USD) unless expressly stated otherwise. By purchasing, you:

Authorize Creatorjoy Inc. to charge your payment method for the amount shown at checkout today, and
Authorize automatic charges on each renewal date for any recurring plan until you cancel in accordance with these Terms.
3.3 Loss of Privileges Upon Cancellation or Non‑Renewal
Your subscription provides access to a live, evolving ecosystem. If you cancel or fail to renew:

Access ends at the end of your current paid term.
You lose access to:All live Rebel Economist calls and Q&A sessions
The archive of past call recordings and replays
Skool community access, networking, and messaging
Ravel® / Minsky workshops and modeling tools
Ask Steve Anything or similar hotseats
Any member‑only scholarship rates or gift card discounts
If you later rejoin, you do so at the then‑current price, which may be higher than your prior rate. We do not guarantee “grandfathered” pricing after cancellation unless expressly stated.
3.4 Right to Modify Products and Pricing
We may modify, discontinue, or change the price, duration, content, features, or terms of any Program or product (including Rebel Economist Challenge, Legacy, Ask Steve Anything, annual memberships, Lite continuity, and future offerings) at our sole discretion.

For existing recurring subscriptions, price changes will take effect after at least 30 days’ email notice. If you do not agree to a change, you must cancel before the new price becomes effective.

4. Unlimited Lifetime Rebel Economist Pass
4.1 Nature of the Upgrade
The “Unlimited Lifetime Rebel Economist Pass” or similar offer (the “Lifetime Pass”) is a one‑time, optional upgrade in addition to your original order. Your initial Rebel Economist membership (for example, the $599/year plan) is processed and complete before any Lifetime Pass upgrade is offered.

4.2 Included Access
Unless expressly stated otherwise at checkout, the Lifetime Pass generally includes:

Access to Rebel Economist Challenge live calls, recordings, and course materials
Access to Rebel Economist Legacy deep‑dive calls, recordings, and materials
Access to Ask Steve Anything or similar hotseat/Q&A calls and recordings
A personal, non‑transferable license to use Ravel® / Minsky and associated workshop files
Access to future Rebel Economist programs, courses, and live calls that we, in our sole discretion, designate as included in the Lifetime Pass
The exact inclusions are those described on the Lifetime Pass checkout page at the time of your purchase.

4.3 “Lifetime” / “Unlimited” Definition
Any reference to “Lifetime,” “Unlimited,” “Forever,” or similar language in connection with the Lifetime Pass means:

For the service life of the Rebel Economist programs and software as offered by Creatorjoy Inc., not your personal lifetime or an indefinite period.
We may modify, re‑brand, or discontinue components at any time. Our obligation under the Lifetime Pass is satisfied if:

The core Rebel Economist programs and/or Ravel® / Minsky software remain available in some materially similar form for at least twelve (12) consecutive months after your Lifetime Pass purchase; or
If we retire the Rebel Economist programs or software entirely, we make commercially reasonable efforts to provide you with access to core self‑study materials (e.g., recordings or downloads) for a reasonable transition period.
The Lifetime Pass does not automatically include:

Future products or services outside the Rebel Economist ecosystem (e.g., unrelated AI software, separate coaching, third‑party programs), or
New offers we explicitly designate as excluded from Lifetime Pass benefits.
4.4 Pricing, Promotions, and $599 Credit
From time to time, we may offer promotional Lifetime Pass pricing (for example, $1,995 one‑time or 4 × $599 installments), which may be lower than our public or member‑store price (e.g., $2,995 or $5,000).

Any advertised “credit” of your initial $599 membership toward the Lifetime Pass is already reflected in:

The reduced one‑time fee (e.g., $1,995), and/or
The installment structure (e.g., 4 × $599 = $2,396)
Promotional Lifetime Pass pricing shown immediately after you join is typically available once only and may not be offered later.

4.5 Payment Options; No Double‑Charging
If you upgrade:

Your original membership fee (e.g., $599) has already been charged.
The Lifetime Pass is billed once in either:A single one‑time payment (e.g., $1,995), or
A fixed installment plan (e.g., 4 × $599),
in addition to your original membership investment.
We will not re‑charge your original membership as part of the upgrade.
All Lifetime Pass prices and installment structures will be clearly disclosed at checkout.

4.6 Effect on Your Existing $599 Subscription
While your Lifetime Pass refund window is still open and any installments are current, you retain everything you originally purchased and receive provisional Lifetime Pass access.
If you do not request a refund within the stated window and you successfully complete all required installments:We convert your account to a Lifetime Pass, and
We cancel your future Rebel Economist recurring renewals linked to that membership.
If you request a timely refund of the Lifetime Pass within the stated window, or if you default on a Lifetime Pass installment plan and fail to cure within a reasonable grace period:We may cancel the Lifetime Pass upgrade, revoke Lifetime access,
Stop any remaining unpaid Lifetime installments, and
Simply leave you on your existing recurring plan (e.g., $599/year) under its original terms.
4.7 Refund Guarantee for Lifetime Pass
Unless stated otherwise at checkout, Lifetime Pass purchases are covered by the same “Try Now, Decide Later” refund window advertised for that promotion (typically 60 days from purchase).

To request a refund:

Email billing@stevekeen.co before the deadline with “Refund” in the subject or body,
Include your name, email, and purchase details.
After the applicable window expires, Lifetime Pass purchases are non‑refundable, except where required by law.

4.8 Non‑Transferability
Lifetime Pass access and any associated licenses are personal, non‑transferable, and may not be resold, shared, or assigned. We may revoke access without refund if we reasonably believe you have shared, sold, or otherwise misused your Lifetime Pass access.

5. Payment Plans, Recurring Billing, and Minimum Commitments
Recurring Charges. By enrolling in any recurring plan (annual, quarterly, or every‑4‑weeks), you authorize us to automatically charge your payment method on each renewal date until you cancel in accordance with Section 6.
Payment Plan Commitment. If you select a payment plan (e.g., 2 × $300, 3 × $200, or 4 × $599 for Lifetime):You are committing to pay the full plan amount;
Suspension or loss of access due to non‑payment does not cancel your obligation to pay remaining installments, except where we expressly cancel the plan as described in Section 4.6;
We may refer unpaid balances to collections or pursue legal remedies where permitted by law.
Minimum Installments for Continuity. Certain continuity memberships (e.g., “pick‑your‑price” $99–$149 billed every 4 weeks) may include a stated minimum number of billing cycles (for example, 3 cycles). By enrolling, you agree to pay at least the stated minimum. After that minimum is satisfied, you may cancel anytime effective at the end of the current period.
Failed Payments. If a payment fails, we may:Retry the charge,
Require updated payment details,
Suspend or terminate access, and/or
Accelerate remaining payments where allowed by law.

6. Refunds, Cancellations, and Access
6.1 Standard Refund Window and Dynamic Policy
Standard Refund Window (30 Days). For purchases made on or after January 31st, 2026, our standard refund window for eligible products is thirty (30) calendar days from the date and timestamp of your transaction, unless a different window (shorter, longer, or “no refunds”) is explicitly stated on the checkout page or in your written order confirmation for that specific purchase.
Offer‑Specific Terms Control. The only refund terms that bind us for a given purchase are:

(a) the specific refund/guarantee language shown on the checkout or order form you used for that purchase, plus
(b) this Section 6 of the Terms.
If there is any conflict, the more specific written guarantee on your checkout page or order form controls for that purchase only.
Prospective Changes Only. We may change our standard refund window or policy at any time, but such changes apply only to purchases made after the updated Terms or checkout language go into effect. If you bought under a longer or different guarantee, we will honor the guarantee that was in effect at the time of your purchase, even if the standard policy later changes.
Strict Deadlines. To request a refund, you must:

(a) submit your request in writing to billing@stevekeen.co, and
(b) ensure your request is received before the exact deadline stated for your offer (for example, 30 days, 60 days, or 100 days from purchase).
Requests received after the applicable deadline (even by minutes) may be denied. We do not honor refund requests based on older policies or windows that were not active at the time of your transaction.
6.2 Default Refund Structure by Offer Type (Examples)
Unless a different refund term is explicitly stated on the relevant checkout page or order form, the following applies:

Standard Programs (Default 30 Days).The Rebel Economist Challenge annual membership (e.g., $599/year) and most standard information products are, by default, eligible for a 30‑day “Try Now, Decide Later” refund window from the date of purchase.
This default 30‑day window may be extended for specific promotions (for example, 60‑day or 100‑day guarantees) where explicitly stated on the checkout page.
Lifetime Pass.Unless otherwise stated for a specific promotion, the Unlimited Lifetime Rebel Economist Pass is eligible for the same refund window advertised on its checkout page (for example, 30 days or 60 days) from the date of Lifetime purchase, regardless of payment option.
After that window expires, Lifetime purchases are non‑refundable except where required by law.
Payment Plans and Some Skool Page Purchases.Where a refund guarantee is offered for a payment‑plan or Skool‑based purchase, the default window is 30 days from the date of the first payment, unless a different period is clearly stated on that checkout page.
If no refund language appears on the checkout page, that offer should be treated as non‑refundable.
Early Bird, Discounted, and Lite / Continuity Offers.Early Bird one‑time offers (e.g., $300 or $400 front‑end discounts), low‑ticket continuity memberships (e.g., $99/month, $200/quarter, “Lite” or “pick‑your‑price” continuity), and similar discounted tiers are, by default, non‑refundable, and renew until canceled, unless a refund window is explicitly stated on the checkout page.
Gift Cards and Scholarships.Rebel Scholar Gift Cards and similar scholarship codes are final and non‑refundable, except where a refund is required by law.
Gifted accounts created via such Gift Cards are not covered by any 30‑day or 60‑day refund guarantees by default.
Legacy Purchases with Longer Guarantees.If you purchased under a promotion that explicitly offered a longer guarantee (for example, 60 or 100 days) at the time of your purchase, we will honor that longer window for that specific transaction, provided you meet all stated conditions (including implementation requirements, where applicable) and submit your request before the stated deadline.
No Results Guarantee; No Refund for Non‑Participation.We do not guarantee any particular financial or academic outcome.
Refunds are not provided for change of mind, change of circumstances, lack of time, or failure to log in, attend calls, or implement the training, even within the refund window.
All other subsections in Section 6 (revocation of bonuses upon refund, kick policy, etc.) continue to apply.

6.3 No Results Guarantee; Participation Requirements
We do not guarantee any financial, investment, career, or academic outcome. We provide education, tools, and support; your results depend on your implementation and external factors.
Refunds are not provided for:Change of mind,
Change of circumstances,
Lack of time,
Failure to log in, attend calls, or implement materials.
If we ever offer a performance‑based or “implementation” guarantee for a specific offer, any such refund will only be considered if you:Complete 100% of the required curriculum,
Implement all required actions in the implementation checklist,
Attend required calls or watch replays within the specified time,
Request help through the designated support channel at the required frequency, and
Provide reasonable documentation (screenshots, logs, notes) on request.
If any of these conditions are not met, you are not eligible for that performance‑based refund.
6.4 Cancellation Method (Self‑Serve Portal)
To avoid delays:

The primary cancellation method is via the Customer Portal link provided in every receipt (“View Your Customer Portal” or https://www.stevekeen.help) and renewal reminder.
You may also email support, but processing times may vary.
You are solely responsible for canceling before your renewal date. Inability to “find” the cancellation button when it is present in your portal/receipt is not grounds for a refund.

6.5 Revocation of Bonuses upon Refund (Anti‑Gaming)
If you receive a refund for any paid Program (including annual plans, payment plans, Early Bird, Lifetime, or other offerings), then:

All associated bonuses, free trials, complimentary subscriptions, or promotional access (including free “bonus years” or scholarships) are immediately revoked.
You lose any right to retain or continue using such bonuses.
By accepting a refund, you explicitly accept the loss of all associated bonuses.

6.6 Refund & Kick Policy (Immediate Termination; No Refund on Breach)
We reserve the absolute right, at our sole discretion, to:

Refund, remove (“kick”), suspend, or permanently ban any member at any time for any reason, including poor cultural fit or breach of these Terms.
Upon processing any refund initiated by us, your access to all Services (Skool, calls, archives, software) is terminated immediately.
Decisions to refund and/or ban are final and not subject to appeal.
If we remove or ban you for violation of these Terms (including harassment, doxing, non‑payment, or abuse), you are not entitled to any refund, credit, or proration of fees already paid, except where we choose, at our discretion, to offer one.

7. Win‑Your‑Money‑Back Certification Guarantee (Annual Full‑Pay Plan Only)
Where advertised, the Rebel Economist Certification “Win‑Your‑Money‑Back” Guarantee applies only to the $599/year Full‑Pay Annual Plan unless explicitly stated otherwise.

To qualify:

Complete the Certification Exam within the 7‑Week Challenge window.
Score at least 90% on the exam.
Notify us within 14 days of completion using one of:Email: billing@stevekeen.co or help@profstevekeen.me
Skool DM to designated staff (e.g., Adam or Nicole)
Supported messaging platforms (e.g., WhatsApp) to our team
We are not required to automatically monitor or notify you of your score. If you fail to notify us within 14 days of completion, you waive this guarantee.

If we confirm eligibility, we will refund your $599 annual fee and revoke any associated bonus years or scholarships tied to that payment.

Gifted accounts, Early Bird, Lite, lower‑ticket memberships, and other plans do not qualify unless explicitly stated in writing at checkout.

8. Rebel Scholar Gift Cards and Promotional Credits
Nature of Gift Cards. “Rebel Scholar Gift Cards” (“Gift Cards”) are optional, one‑time, separate purchases you may add in addition to your own membership. Each Gift Card is billed per card (e.g., $99) and does not change your own membership billing.
For New Members Only. Gift Cards are valid only for new Rebel Economist members who do not already have an active or recently expired paid membership under the same email. Gift Cards:Cannot be used to upgrade or discount your own account, and
Cannot be applied to Lifetime Passes or other upsells unless explicitly allowed.
Redemption Window, Expiration, and Optional Pause.Unless stated otherwise, Gift Cards must be redeemed within 45 days from the date we send the Gift Card email to your email address. Unredeemed Gift Cards automatically expire and have no value.
In special circumstances, you may email billing@stevekeen.co to request a pause or extension. Granting such requests is at our discretion and is a courtesy, not a right.
Non‑Refundable and No Rebill. Gift Card purchases are final and non‑refundable, except where required by law. There is no automatic rebill on Gift Cards. Purchasing a Gift Card does not obligate you to pay for your friend’s renewals.
What Your Friend Receives; Their Renewals. Upon redemption:Your friend receives approximately one (1) year of access to the Rebel Economist Challenge and related benefits at no cost to them.
After that term, their membership will automatically renew at the then‑current price unless they cancel via their receipt’s Customer Portal link or by contacting support.
Your friend, not you, is solely responsible for any renewals or cancellations.
No Guarantees for Gifted Accounts. Unless stated otherwise, gifted accounts:Are not eligible for the Win‑Your‑Money‑Back Certification Guarantee, and
Are not covered by any 30‑ or 60‑day refund guarantees; they are treated as non‑refundable scholarships.
Limits and Abuse. Unless otherwise specified, you may purchase up to three (3) Gift Cards per promotion. We may refuse, suspend, or cancel Gift Cards or related enrollments (without refund) if we reasonably suspect fraud, resale, or misuse.

9. Communications Consent and Data Enrichment
By submitting your information or messaging us on any platform, you consent to receive communications from Creatorjoy Inc. and Dr. Steve Keen via:

Email
Phone calls (live or automated)
SMS/text and WhatsApp
Third‑party platforms including, but not limited to, iMessage, Instagram, Facebook Messenger, LinkedIn, Skool Chat, Telegram
You authorize us to use your email/phone to identify and “enrich” your profile with publicly available social accounts and to contact you via those accounts.

You may opt out at any time by:

Using unsubscribe links,
Replying STOP (for SMS/WhatsApp where supported), or
Contacting support.
You acknowledge that access instructions and private invites are sent to the email address you provide, and that providing an incorrect or inaccessible email may prevent you from receiving access. We are not liable for access loss due to inaccurate contact information.

10. Publicity Release, User Content, and Recording Consent
By using the Site, entering communities, or attending calls, you grant us a perpetual, irrevocable, worldwide, royalty‑free license to use:

Your likeness and voice from live calls and events,
Your posts, comments, questions, wins, reviews, and messages,
Public content where you mention or tag us,
for any lawful purpose, including marketing and promotional materials, without compensation or approval rights. Live sessions may be recorded and shared with other members. If you do not wish to be recorded, do not enable your camera/mic or participate in recorded segments.

11. Financial Disclaimer, No Investment Advice, and Ravel® / Minsky Use
Dr. Steve Keen is an economist, not a financial advisor, broker, or registered investment professional.
All content and tools are for educational and theoretical macroeconomic modeling only.
Ravel® and Minsky are not trading bots, signal services, or investing tools, and are not designed to predict asset prices.
Any investment, trading, or financial decisions you make are entirely at your own risk. You release Creatorjoy Inc., Dr. Steve Keen, and affiliates from any liability for financial losses or outcomes arising from use of our content or tools.

12. Privacy
Our Privacy Policy (linked on the Site) explains how we collect, use, and protect your data. By using the Site, you agree to that Policy.

13. Intellectual Property
All Site and Program content (text, images, videos, recordings, research, outlines, graphics, logos, and software) is owned by or licensed to Creatorjoy Inc. and/or Dr. Steve Keen. You may not copy, reproduce, distribute, modify, create derivative works, publicly display, or transmit any material without prior written permission.

14. User Representations
You represent and warrant that:

Information you submit is truthful and accurate;
You have legal capacity to agree to these Terms;
You are not impersonating another person;
You will comply with applicable laws; and
You are at least 18 or the age of majority in your jurisdiction.

15. Prohibited Activities, Harassment, and Community Standards
15.1 Skool TOS
Your use of Skool (our community platform) is also governed by Skool.com Inc.’s terms. Violating Skool’s TOS is a violation of these Terms.

15.2 Zero Tolerance for Harassment and Doxing
You agree not to:

Harass, threaten, or abuse any team member, contractor, or member,
Dox or publish private personal information,
Engage in excessive, abusive communication meant to disrupt operations.
Violation may result in immediate, permanent ban without refund and potential legal action.

15.3 Community Rules & Kick Policy
We may remove any member at our sole discretion for:

Disrespect toward Steve, the team, or members,
Spam or unauthorized self‑promotion,
“Point gaming” or bot activity,
Publicly posting billing/support issues instead of using designated channels, or
Any behavior we deem harmful or misaligned with the community.
As stated in Section 6.6, bans for violation of these Terms do not entitle you to a refund.

16. Third‑Party Platforms and Links
We may deliver parts of the Program via third‑party services (Skool, SamCart, Stripe, PayPal, Zoom, email providers, etc.). Your use of such platforms is subject to their own terms and privacy policies. We are not responsible for third‑party content, outages, or policies.

17. Modifications and Availability
We may modify, suspend, or discontinue the Site or any feature at any time, without liability for downtime, unavailability, or data loss.

18. Governing Law
These Terms are governed by the laws of the Province of Alberta and applicable federal laws of Canada, without regard to conflict‑of‑laws principles, except where consumer law in your jurisdiction requires otherwise.

19. Informal Dispute Resolution
Before formal action, email help@profstevekeen.me or billing@stevekeen.co and allow up to 60 days for good‑faith resolution.

20. Warranty Disclaimer
The Site and Programs are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement.

21. Limitation of Liability
To the fullest extent permitted by law, Creatorjoy Inc., Dr. Steve Keen, and their officers, directors, employees, and agents are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, trading or investment losses, lost data, or lost business.

Our total liability arising out of or related to your use of the Site or Programs is limited to the fees you actually paid us in the two (2) months preceding the event giving rise to the claim, or $100 USD if no fees apply.

22. Indemnification
You agree to indemnify and hold harmless Creatorjoy Inc., Dr. Steve Keen, and their personnel from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of:

Your use of the Site or Programs,
Your violation of these Terms,
Your violation of third‑party rights, or
Your violation of any law.

23. User Data and Security
We may store and process data you provide in connection with the Site and Programs. We use reasonable safeguards but cannot guarantee absolute security. You are responsible for backing up your data. We are not liable for data loss.

24. Electronic Signatures and Acceptance
By clicking “I agree,” “Claim My Spot,” “Buy Now,” or similar, submitting forms, or otherwise providing electronic acceptance, you consent to transact electronically and agree that such actions constitute your legal signature.

25. Dispute Resolution by Mandatory Binding Arbitration and Class Action Waiver
25.1 Refund vs. Chargeback: Two Paths
You understand you generally have two options if unhappy with a purchase:

Option A – Direct Refund (Recommended):
Email billing@stevekeen.co. If eligible, approved refunds typically process in 2–5 business days to your original payment method.
Option B – Bank Dispute / Chargeback (Not Recommended):
File a dispute with your bank or processor. Funds may be frozen for 60–90+ days, and additional fees may apply, outside our control.
25.2 Mandatory Support First; Covenant Not to Dispute
Before initiating any dispute, chargeback, or claim with your bank, card issuer, PayPal, Stripe, or other processor, you agree to:

Email billing@stevekeen.co with a detailed description of the issue, and
Allow at least 10 business days for us to investigate and respond.
Because our products are digital and access is immediate, you agree not to file a dispute claiming “Item Not Received” or “Not as Described” after accessing the Services, except where required by law. Doing so may be treated as a breach of these Terms.

25.3 Evidence and Consequences of Disputes
If you file a dispute or chargeback:

You expressly authorize us to provide your bank/processor with:A copy of these Terms,
Access logs, IP logs, and usage history,
Chat transcripts, emails, and support tickets, and
Other relevant records.
If the dispute is resolved in our favor or deemed frivolous/bad‑faith, you agree, to the maximum extent permitted by law, to reimburse us for:All dispute‑related processor fees, and
All reasonable administrative and legal costs incurred responding to the dispute.
We may immediately suspend or permanently terminate your access to all current and future products, communities, and software.
25.4 Mandatory Arbitration
Except for qualifying claims in small claims court or where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms, your purchase, or use of the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND TO BRING OR PARTICIPATE IN A CLASS ACTION.

25.5 Scope of Arbitration
This arbitration requirement applies to all claims and disputes of any kind between you and Creatorjoy Inc. relating to:

These Terms,
Your purchases or access,
Any communications between us, and
Any aspect of your relationship with Creatorjoy Inc. as a user or customer.
25.6 Class Action Waiver
You and Creatorjoy Inc. agree that:

Each may bring claims only in an individual capacity, and
Not as a plaintiff or class member in any purported class, collective, or representative action.
No class arbitrations or representative proceedings are permitted.

25.7 Informal Resolution (Pre‑Arbitration)
Before initiating arbitration, the parties must attempt informal resolution as described in Sections 19 and 25.2.

25.8 Arbitration Process
Administering Organization: AAA
Rules: AAA Consumer Arbitration Rules
Location: Calgary, Alberta, Canada, or by telephone/video conference at your option
Language: English
Arbitrator: Single arbitrator selected under AAA rules
Costs: Filing and arbitrator fees as per AAA rules; each party pays its own attorneys and experts.
25.9 Arbitrator Authority
The arbitrator has exclusive authority to:

Interpret and apply these Terms,
Decide arbitrability,
Award monetary and non‑monetary relief available under applicable law.
The arbitrator’s decision is final and binding.

25.10 Jurisdiction and Venue if Litigation is Allowed
To the extent any dispute is not subject to arbitration, both parties consent to exclusive jurisdiction and venue in the courts of Calgary, Alberta, Canada.

25.11 Opt‑Out
You may opt out of this Arbitration Agreement within 30 days of first accepting these Terms by emailing help@profstevekeen.me with your full name, address, email, and a clear statement that you opt out of arbitration. If you do so, we will also not require arbitration of disputes with you.

25.12 Survival
This Section 25 survives termination of your relationship with us.

26. Force Majeure
We are not liable for any delay or failure due to events beyond our reasonable control, including acts of God, government restrictions, wars, terrorism, riots, strikes, power outages, or failures of third‑party providers (Stripe, Skool, SamCart, PayPal, OpenAI, email providers, etc.).

27. Entire Agreement; No Oral Representations; Waiver
These Terms and any policies referenced herein constitute the entire agreement between you and Creatorjoy Inc. and supersede all prior oral or written understandings, including statements in marketing materials, webinars, or social media.

Oral statements do not constitute part of this Agreement and are not binding.

No failure or delay by us in enforcing any provision shall be deemed a waiver of that provision.