Terms of sale
These terms apply to digital guides sold on shop.hobzmedia.com by House Of Biz & Company ("HOBZ Media," "we").
Products and delivery
Products are downloadable PDF files delivered immediately after payment through a private download page. Payment is processed by Stripe or PayPal; we don't see or store your full card details.
Prices
Prices are in U.S. dollars and shown on each product page. Applicable sales tax, if any, is calculated at checkout.
License
Each purchase grants a non-transferable license for the buyer's personal or internal business use. See the content license.
Educational content; no advice; no earnings claims
Our guides are general education. They are not financial, investment, tax, accounting, or legal advice, and they don't create a professional relationship. We make no promise of income, savings, rankings, or results. Facts were checked on the date stated in each guide; laws and vendor terms change.
Refunds
See the refund policy.
Limitation of liability
To the extent permitted by law, our total liability for any claim relating to a purchase is limited to the amount you paid for it.
Governing law
These terms are governed by the laws of the State of Illinois.
Contact
Last updated October 16, 2026.