Terms of Service

Last updated: 15 September 2026

1. Agreement to Terms

By accessing or using the website at theindependentexpert.com (the "Site"), you agree to be bound by these Terms of Service. The Site is operated by Yellow Lark International, trading as The Independent Expert. If you do not agree to these terms, please do not use the Site.

2. Eligibility

You must be at least 18 years old to use this Site or purchase any products or services. By using the Site, you represent and warrant that you meet this age requirement.

3. Description of Services

The Independent Expert provides digital products, educational content, and related resources. The specific features and offerings may change over time at our sole discretion.

4. User Accounts

Certain features may require you to create an account. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorised use

We reserve the right to suspend or terminate accounts that violate these terms.

5. Purchases and Payments

All prices are displayed in the applicable currency at the time of purchase.
Payment is processed through secure third-party payment processors.
You agree to provide accurate and complete billing information.
All sales are subject to our Refund Policy (see Section 6).

6. Refund Policy

If you are not satisfied with your purchase, you may request a refund within 14 days of purchase by contacting us at [email protected] Refund eligibility may be subject to specific conditions outlined at the point of sale.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, videos, software, and digital products, is the property of Yellow Lark International or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

Reproduce, distribute, or publicly display any content without written permission
Modify, create derivative works from, or reverse-engineer any part of the Site
Use any content for commercial purposes without explicit authorisation
Share, resell, or redistribute purchased digital products

8. User Conduct

When using the Site, you agree not to:

Violate any applicable laws or regulations
Infringe on the rights of others
Submit false, misleading, or fraudulent information
Attempt to gain unauthorised access to any part of the Site
Use the Site to transmit malware, spam, or harmful content
Interfere with the proper functioning of the Site

9. Disclaimers

The Site and all products and services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. We do not guarantee that:

The Site will be uninterrupted, secure, or error-free
Results obtained from using our products will be accurate or reliable
Any specific financial outcomes will be achieved (see our Disclaimer page for full earnings disclosure)

10. Limitation of Liability

To the maximum extent permitted by law, Yellow Lark International and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or purchase of any products, regardless of the cause of action or theory of liability.

Our total liability for any claim arising from or related to these terms shall not exceed the amount you paid to us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Yellow Lark International, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Site or violation of these terms.

12. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party sites. Your use of such sites is at your own risk.

13. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Colorado, United States, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Colorado, United States.

14. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

15. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Us

If you have questions about these Terms of Service, please contact us:

Email: [email protected]
Business name: Yellow Lark International

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