Effective Date: 5 October 2025
Operated by: Phil Henderson, trading as StupidlySimpleAI.com

1. Agreement to Terms

By accessing or using this website (“Site”), purchasing any digital products, or using any related services, you agree to these Terms of Service (“Terms”).
If you do not agree, please stop using the Site immediately.

2. Who We Are

This Site is owned and operated by Phil Henderson, trading as StupidlySimpleAI.com (“we”, “us”, or “our”).
You can contact us at:
📧 support [at] stupidlysimpleai [dot] com

3. Products and Services

We provide educational materials, frameworks, and digital tools designed to help users build and grow online income streams.
All products are digital and delivered electronically after payment.

The Modulator Framework™ name, branding, and methodology are proprietary to Phil Henderson.
Trademark applied for. All rights reserved.

4. Intellectual Property

All content on this Site — including text, graphics, logos, videos, downloads, and course materials — is owned or licensed by Phil Henderson.

You may not reproduce, distribute, resell, modify, or share any part of our materials without written permission.
Unauthorised use may result in legal action.

© 2025 Phil Henderson, StupidlySimpleAI.com. The Modulator Framework™ name, branding, and methodology are proprietary to Phil Henderson. All rights reserved.

5. Purchases & Payments

All prices are listed in GBP or USD (depending on your location).
Payments are securely processed through Systeme.io, Stripe, or PayPal.

You agree to provide accurate billing details and authorise us to charge your selected payment method for any purchases made.

6. Refund Policy

Because our products are digital and instantly accessible, we generally do not offer refunds once access has been granted.
Exceptions apply only if a specific product states a money-back guarantee (for example, “30-Day Guarantee” offers).

If you believe there’s been an error or you qualify for a stated guarantee, contact support [at] stupidlysimpleai [dot] com within the guarantee window.

7. Use of Content & Account Access

You agree to:

• Use the Site and products only for lawful purposes

• Not share login details, download links, or materials with others

• Not copy or distribute any digital product without written consent

We reserve the right to suspend or terminate access if misuse or unauthorised sharing is detected.

8. Earnings Disclaimer

All content, frameworks, and training materials are for educational purposes only.
We make no guarantees regarding income or results.
Any success examples shown are for illustration and may not represent your results.

Your success depends on factors such as effort, market conditions, and personal implementation.

9. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

• Any indirect, incidental, or consequential damages

• Loss of income, profits, or data resulting from the use (or inability to use) our Site or products

You agree to use our Site and content at your own discretion and risk.

10. External Links & Third-Party Tools

Our Site may include links to third-party websites or tools (e.g., Systeme.io, Stripe, PayPal, or analytics platforms).
We are not responsible for the content, accuracy, or privacy practices of any external sites.

Use of third-party tools is at your own risk and subject to their own terms.

11. Privacy & Data Protection

Your privacy is important to us.
Our data handling practices are explained in our Privacy Policy, which forms part of these Terms.
By using our Site, you agree to that policy.

12. Changes to Terms

We may update or modify these Terms at any time.
Revisions will take effect upon posting to this page.
Continued use of the Site means you accept the updated Terms.

13. Governing Law

These Terms are governed by UK law.
Any disputes will be handled in the courts of England and Wales, though we may choose to enforce our rights in your local jurisdiction if necessary.

14. Contact

For any questions about these Terms, please contact:
📧 support [at] stupidlysimpleai [dot] com

15. Copyright & Legal Notice

© 2025 Phil Henderson, StupidlySimpleAI.com. All rights reserved.
The Modulator Framework™ name, branding, and methodology are proprietary to Phil Henderson. Trademark applied for.
Unauthorized distribution, reproduction, or resale of this material is strictly prohibited.