Dr. Steve Keen Terms of Service "Community Guidelines"

1) Agreement to Terms
These Terms of Service (“Terms”) are a binding agreement between you and Creatorjoy Inc. (“Creatorjoy”), which operates programs presented by Dr. Steve Keen (the “Programs”). These Terms govern your access to and use of stevekeenfree.com, stevekeen.com, and related websites, pages, or applications (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site. We may update these Terms; the “Last updated” date reflects the current version.

2) Identity, Merchant, and Contact
Operator and 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, T2W3A8
We typically respond within 2 business days.

3) Program Descriptions and Pricing
Programs include educational content such as live sessions, recordings, written materials, and community access as described at checkout or upon acceptance. All prices are shown before purchase and, unless stated otherwise, are in USD.

4) Refunds, Cancellations, and Access
General Policy: Refund terms are final based on the specific plan you select and as confirmed with our sales representatives in writing (e.g., chat, email, or WhatsApp) and/or shown on your receipt. If there is any difference, the checkout terms will govern. Refunds are only available as expressly described herein and no other refunds or credits will be issued.
Full Pay Annual Plan (currently $599/year): Eligible for a 60‑day money‑back guarantee, subject to these Terms and proper request procedures. Also includes the Win‑Your‑Money‑Back Certification Guarantee (see Section 5).
Payment Plans (including 2x $300 or 3x $200) & Skool Page Purchases (https://www.skool.com/stevekeen/about): Eligible for a 30‑day money‑back guarantee, subject to these Terms and proper request procedures. No certification guarantee applies.
Early Bird (including $300 or $400 one‑time fees): No refund guarantee. Includes one year of Early Bird access and automatic enrollment in the free trial of the $599/year plan at renewal.
Lower‑Ticket Recurring Membership (including $99/month or $200/quarter): No refund guarantee. This subscription recurs until canceled.

You may cancel at any time through your account (via the receipt emailed upon signup) or by contacting support in the email or whatsapp number above. Cancellation stops future billing and access continues until the end of the current billing period.
Processing: Approved refunds will be issued, less any third‑party processing or transfer fees, to the original payment method within 30 business days unless otherwise required by law.

Access duration (7‑Week Challenge): Live sessions are scheduled and posted in your member area. If a session is rescheduled, we may provide an alternative time and/or recording at our discretion. Non‑attendance by you does not entitle you to a refund.

5) "Certification Guarantee" Credit Option
Win‑Your‑Money‑Back Certification Guarantee (Annual Full Pay Plan only): If you achieve a score of 90% or higher on the Rebel Economist Certification Exam at the end of the 7‑Week Challenge and submit your results to support within 14 days of submission, you may request a refund of your $599 annual fee. Refund eligibility is contingent on compliance with all program requirements, including completion of the course and exam submission.
Other Plans: The Certification Guarantee only applies to the $599/year Full Pay Annual Plan. It does not apply to payment plans, early bird offers, lower‑ticket memberships, or any other plan unless explicitly stated at checkout.

6) Communications Consent
By submitting your information on our forms or messaging us on supported platforms, you consent to receive program information and updates from Dr. Steve Keen’s team and Creatorjoy Inc. by email, phone, SMS/WhatsApp, and supported messaging platforms. Some messages may use automated technology. Message/data rates may apply. You can opt out at any time via unsubscribe links, by replying STOP (where available), or by contacting support. We do not sell your personal information.

7) Privacy
Our Privacy Policy explains what data we collect, how we use it, your choices, and our security measures. It is available via links on the Site and prior to submitting information. By using the Site, you agree to the Privacy Policy.

8) Education and No Guaranteed Outcomes
The Programs are educational. We do not provide investment, tax, legal, or other professional advice. Individual results vary; no outcomes are guaranteed. We do not track typical student results.

9) Intellectual Property
All Site and Program content is owned by or licensed to Creatorjoy Inc. and/or Dr. Steve Keen. You may not copy, reproduce, distribute, publicly display, or create derivative works without prior written permission.

10) User Representations
You represent that the information you submit is accurate, you have legal capacity to agree to these Terms, and you will comply with applicable laws.

11) Accounts
If you create an account, you are responsible for safeguarding your credentials and for all activities under your account. We may suspend or reclaim usernames at our discretion.

12) Prohibited Activities
You agree not to violate laws (including anti‑spam rules), interfere with security or operations, introduce malware, scrape without authorization, or reverse engineer the Site.

13) Third‑Party Platforms and Links
We may deliver certain Program features via third‑party platforms (e.g., community or course software). Your use of those platforms is subject to their separate terms and privacy policies. We are not responsible for third‑party websites, services, or content.

14) Modifications and Availability
We may modify, suspend, or discontinue the Site or any Program features at any time. We are not liable for unavailability due to maintenance, failures, or events beyond our control.

15) Governing Law and Dispute Resolution
These Terms are governed by the laws of the Province of Alberta and applicable federal laws of Canada.
Before filing a claim, contact support to attempt to resolve the matter informally within 60 days.
If unresolved, disputes shall be brought in the courts of Alberta, Canada, unless another forum is required by applicable consumer law. Nothing in this section limits your non‑waivable rights.

16) 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.

17) Limitation of Liability
To the extent permitted by law, Creatorjoy Inc., Dr. Steve Keen, and their officers, directors, employees, and agents are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, even if advised of their possibility.

18) Indemnification
You agree to indemnify and hold harmless Creatorjoy Inc., Dr. Steve Keen, and their personnel from claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Site or Programs, your violation of these Terms, or your violation of third‑party rights.

19) User Data and Security
We may store and process data you provide to operate the Site and Programs. While we use reasonable safeguards (e.g., encryption in transit where applicable), no system is 100% secure. You are responsible for backing up your data.

20) Electronic Signatures
By clicking “I agree,” submitting a form, or otherwise providing electronic acceptance, you consent to transact electronically under applicable law.

21) Miscellaneous
These Terms and any policies posted on the Site constitute the entire agreement between you and us regarding the Site and Programs. If any provision is unenforceable, the remainder remains in effect. No partnership, joint venture, or agency relationship is created by these Terms. Our failure to enforce any provision is not a waiver.

23) Contact
Support: help@profstevekeen.me
Billing: billing@stevekeen.co
WhatsApp: +1 307 522 1636
Mailing address: 12703 Canso Place SW, Calgary, AB, Canada, T2W3A8