Please read these terms carefully before purchasing or using any products from Sheikh Karim Richman.
Last updated: March 2025
By accessing this website or purchasing any product, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use this website or purchase our products. These terms constitute a legally binding agreement between you and Sheikh Karim Richman.
All products sold on this website — including The Richman Code, The Shield, and The Wealth Ledger — are digital products delivered electronically. Upon successful payment, you will receive access to your purchased materials via the email address provided at checkout. Delivery is typically instantaneous but may take up to 24 hours in exceptional circumstances. You are responsible for providing a valid, accessible email address at the time of purchase.
Upon purchase, you are granted a personal, non-exclusive, non-transferable licence to access and use the purchased materials for your own private, non-commercial purposes.
You may not reproduce, distribute, resell, share, sublicense, or publicly display any part of the purchased materials without prior written consent. You may not use the content to create derivative works for commercial purposes. Any unauthorised use constitutes a breach of these terms and may result in legal action.
All sales are final. We do not offer refunds, exchanges, or cancellations under any circumstances once a purchase has been completed. By completing your purchase, you expressly acknowledge and agree to this no-refund policy.
Because our products are digital goods delivered electronically, access to the purchased materials is granted immediately upon payment. The instant nature of digital delivery means that the product cannot be returned in any meaningful sense, and accordingly no refund will be issued.
The only exceptions to this policy are:
To request a review under one of the above exceptions, contact us at [email protected] within 7 days of your purchase date, including your order confirmation email and a description of the issue. All other refund requests will be declined. For full details, see our Refund Policy.
The information contained in our products is provided for educational and informational purposes only. Nothing in our materials constitutes financial, legal, tax, or investment advice. Results described or implied are not guaranteed and will vary based on individual circumstances, effort, and market conditions. You should consult a qualified professional before making any financial decisions. We make no warranties, express or implied, regarding the accuracy, completeness, or fitness for purpose of the information provided.
To the fullest extent permitted by applicable law, Sheikh Karim Richman shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our products or website. Our total liability to you for any claim arising out of or relating to these terms or our products shall not exceed the amount you paid for the relevant product.
All content on this website and within our products — including text, images, graphics, book covers, module content, and branding — is the intellectual property of Sheikh Karim Richman and is protected by applicable copyright and intellectual property laws. Unauthorised reproduction or distribution is strictly prohibited.
These Terms of Service shall be governed by and construed in accordance with applicable law. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the relevant courts. If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the website or products after any changes constitutes your acceptance of the new terms.