These Terms of Service (“Terms”) govern your use of the Hardship Helpdesk™ website and your purchase or use of its digital products. The website and products are owned and operated by Brovol Group LLC (“Brovol,” “Hardship Helpdesk,” “we,” “us,” or “our”).
By accessing the website, submitting an order, or downloading a product, you agree to these Terms. If you do not agree, please do not use the website or purchase the products.
1. Educational purpose
Hardship Helpdesk provides general educational and informational materials intended to improve financial literacy and consumer awareness. Our products do not provide personalized financial, legal, tax, accounting, investment, insurance, credit-repair, debt-settlement, bankruptcy, or other professional advice.
Purchasing a product or using email support does not create an attorney-client, financial adviser-client, fiduciary, consulting, or other professional relationship. You remain responsible for your decisions and should consult an appropriately qualified professional concerning your individual circumstances.
Use of the products is also subject to the Financial Education Disclaimer, https://hardshiphelpdesk.com/fed.
2. Digital bundle
The current offer includes the digital products and bonuses identified on the checkout or landing page, which may include:
- How to Survive Debt Without Losing Your Mind
- Build Your Wealth Step-by-Step
- Hardship Helpdesk Financial Reset Score™
- Any specifically advertised checklist or bonus
- Instant digital access
- Fourteen days of email support
The exact contents, price, and availability are those displayed at checkout when the purchase is made. Unless the checkout page expressly says otherwise, this is a one-time purchase and not a subscription or recurring charge.
3. Payment and delivery
You authorize us and our payment processor to charge the displayed purchase price and any applicable taxes to your selected payment method.
Digital products are delivered electronically after successful payment. You are responsible for providing an accurate email address and maintaining a device, internet connection, and software capable of opening the files. If access does not arrive or a file does not work, contact hardshiphelpdesk@brovolgroup.com.
4. Refund policy
We want you to feel confident reviewing the Hardship Helpdesk digital ebook bundle. If you are not satisfied with your purchase for any reason, you may request a full refund within 30 calendar days of the original purchase date.
To request a refund, email hardshiphelpdesk@brovolgroup.com from the email address used for your purchase. Include your name, purchase email address, and order number, if available. No explanation is required.
Approved refunds will be issued to the original payment method. We will initiate the refund promptly, although your bank or payment provider may require additional time to post it to your account. After a refund, access to the digital materials and any included support ends.
Requests received more than 30 calendar days after the purchase date are not eligible for this voluntary guarantee, except where applicable law requires otherwise.
This policy applies to purchases made directly through Hardship Helpdesk. If you purchased through a third-party marketplace, that marketplace’s refund process and terms may apply.
Contact: hardshiphelpdesk@brovolgroup.com
5. Email support
Email support is available for fourteen consecutive calendar days beginning on the purchase date. Support is limited to reasonable questions about accessing, understanding, or using the purchased educational materials.
Email support does not include personalized professional advice, account representation, contacting creditors, disputing credit information on a purchaser’s behalf, preparing legal documents, or guaranteeing any outcome. Response times may vary. Abusive, threatening, unlawful, or excessive use may result in support being limited or ended.
6. No guarantees
We do not promise or guarantee debt reduction, credit-score changes, savings, earnings, investment returns, approval for financial products, or any particular result or timeframe. Examples and illustrations are educational only. Results depend on individual circumstances, choices, and factors outside our control.
7. License and intellectual property
All website content, ebooks, assessments, worksheets, checklists, graphics, trademarks, and related materials are owned by or licensed to Brovol Group LLC and are protected by intellectual-property laws.
Your purchase gives you a limited, personal, non-exclusive, non-transferable license to access and use the materials for your own noncommercial educational purposes. You may not reproduce, upload, share, distribute, resell, sublicense, modify for resale, publish, or commercially exploit the materials without our prior written permission.
8. Acceptable use
You may not misuse the website; attempt to gain unauthorized access; interfere with its security or operation; introduce malicious code; use the content unlawfully; impersonate another person; or violate another person’s rights.
9. Third-party services and links
The website may use or link to payment processors, government resources, financial institutions, or other third-party services. We do not control those third parties and are not responsible for their availability, content, policies, security, or actions. A reference or link does not necessarily mean we endorse that third party.
10. Disclaimers and limitation of liability
The website and digital products are provided “as is” and “as available” to the fullest extent permitted by law. We disclaim warranties that are not expressly stated in these Terms.
To the fullest extent permitted by law, Brovol Group LLC and its owners, officers, employees, contractors, affiliates, and contributors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from the website, products, email support, or reliance on the materials.
To the fullest extent permitted by law, our total liability for any claim will not exceed the amount you paid for the product giving rise to the claim. Nothing in these Terms excludes liability that applicable law does not allow us to exclude.
11. Changes
We may update these Terms periodically. Updated Terms will be posted with a new effective date. Changes apply prospectively unless applicable law requires otherwise.
12. Governing law
These Terms are governed by the laws of the State of FL, without regard to conflict-of-law principles. Any dispute shall be brought in the appropriate state or federal courts located in HERNANDO, FL, unless applicable consumer law requires another forum.
13. Contact
Brovol Group LLC
Hardship Helpdesk™
Email: hardshiphelpdesk@brovolgroup.com
Business address: 4210 Commercial Way #1139 Spring Hill, FL 34606