1. Introduction

Welcome to B Street Digital Limited (doing business as AI with Kyle) ("Company", "we", "us", "our"). These Terms and Conditions ("Terms") govern your use of our website and any services or digital products we provide.

By accessing or using our website, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the website and services.

2. Company Information

B STREET DIGITAL LIMITED
Company Number: 10694350
Suite A4 Skylon Court, Rotherwas, Hereford, United Kingdom, HR2 6JS
Email: harminder@bstreetdigital.com

3. License and Intellectual Property

All intellectual property rights in our website and digital content belong to the Company or its licensors. You may use our content for your personal, non-commercial use only.

You must not:

• Republish content
• Sell, rent, or sub-license content
• Reproduce or copy content
• Redistribute content
• Use content commercially without appropriate licensing

4. User Accounts

When you create an account, you agree to provide accurate and complete information and to keep your login credentials secure. You are responsible for all activity under your account.

If you suspect unauthorised access, you must notify us immediately.

5. Products and Services

5.1 Digital Content

By purchasing our digital products or accessing digital services, you acknowledge that:

• Access is granted immediately after purchase.
• You consent to immediate performance of the contract and waive any statutory cooling-off rights relating to digital goods.
• Digital products must be as described, fit for purpose, and of satisfactory quality.

5.2 Payment Terms

All payments are processed securely by our third-party payment processors. You confirm that you are authorised to use the payment method provided.

5.3 30-Day Money-Back Guarantee

Some programmes and products include our ✓ 30-Day Money-Back Guarantee.

If you complete all modules and do not feel you gained clarity or a practical, actionable plan, we will refund your purchase. No questions asked.

How to request a refund:
To claim the guarantee, you must contact us directly at harminder@bstreetdigital.com within 30 days of purchase. Refund requests are processed promptly.

Important:
If you bypass our refund process and instead file a dispute or chargeback with your bank or card provider, the 30-Day Money-Back Guarantee is void. In these cases, we will contest the claim and provide evidence of product delivery, usage, and our stated refund terms.

6. Personal Information & Data Protection

6.1 Data Collection & Use

We collect personal information, including email addresses and phone numbers, in order to:

• Deliver services and digital products
• Provide customer support
• Send marketing communications

Use of your data is governed by these Terms and our Privacy Policy.

6.2 Data Retention

We retain personal data for 3 years after your last interaction unless a longer period is legally required or permitted.

6.3 Your Rights

Depending on applicable law, you may have the right to:

• Access your data
• Request correction
• Request deletion (in certain circumstances)
• Restrict or object to processing
• Request data portability

To exercise your rights, contact harminder@bstreetdigital.com.

6.4 International Transfers

Your data may be processed outside the UK/EEA by trusted service providers. Appropriate safeguards are applied to protect your information.

7. Cookies

Our website uses cookies to improve user experience. You may disable cookies in your browser settings, but this may affect site functionality. For more information, see our Privacy Policy.

8. Disclaimer

Our services and digital content are provided "as is" without warranties, except where such warranties cannot be excluded by law.

9. Limitation of Liability

We do not exclude liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot legally be excluded

Otherwise, we are not liable for indirect, incidental, or consequential losses, including lost profits, data, goodwill, or other intangible losses.

10. Dispute Resolution

If you have concerns, contact us at harminder@bstreetdigital.com. We will attempt informal resolution first. If unresolved, both parties agree to attempt mediation before litigation.

11. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes must be brought exclusively in the courts of England and Wales.

12. Changes

We may update these Terms at any time. Material changes will be communicated where possible with at least 30 days' notice.

13. Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and B Street Digital Limited (dba AI with Kyle).