1.1 Acceptance of Terms

By accessing or purchasing from Anchor & Oak Collective, you agree to these Terms of Service and all applicable laws.
If you do not agree, please discontinue use immediately.

1.2 Services Provided

Anchor & Oak Collective offers digital products, templates, online programs, coaching, or consulting services.

1.3 Eligibility

You must be at least 18 years old (or the legal age of majority in your country) to use this website or purchase any products.

1.4 Payments

Payments are securely processed through approved third-party gateways such as Paystack, Yoco, PayPal, or Stripe.
Prices are displayed in ZAR unless otherwise stated.
Any taxes, processing fees, or currency charges will be disclosed before purchase.

1.5 Intellectual Property

All content, materials, templates, and digital assets on this website are owned by Anchor & Oak Collective, unless otherwise stated.
You may not copy, reproduce, distribute, modify, or resell any part of this website or its products without written permission.

1.6 Limitation of Liability

No product, service, or program guarantees specific results.
Anchor & Oak Collective is not responsible for any direct, indirect, or incidental damages resulting from use of our website or products.

1.7 Changes to Terms

We may update these Terms when needed. Continued use of this website means you accept the most recent version.

2.1 Compliance Frameworks

Anchor & Oak Collective complies with:

• POPIA (South Africa)

• GDPR (UK/EU)

• CCPA (USA, California)

• General global privacy standards

2.2 Information We Collect

We may collect:

• Name, email, and contact details when you subscribe or purchase

• Billing details (processed securely by third-party providers)

• Analytics data (cookies, browser type, IP address)

2.3 How We Use Your Information

We use your information to:

• Process orders and deliver digital products

• Communicate updates, resources, or marketing (with your consent)

• Improve website performance and user experience

2.4 Data Storage & Security

We use SSL encryption and reputable platforms (e.g., Kartra, Systeme.io, Shopify, Paystack) to safeguard your data.
Personal information is stored only as long as necessary.

2.5 Your Data Rights

You may request access, correction, or deletion of your personal information at any time by emailing shana@anchorandoak.co.za
Under POPIA and GDPR, you may also withdraw consent or request data portability.

2.6 Third-Party Processors

We share data only with trusted partners needed for:

• Payment processing

• Email delivery

• Analytics
  All partners comply with relevant privacy regulations.

2.7 International Transfers

Your information may be transferred across borders under legal safeguard frameworks (Standard Contractual Clauses / adequacy decisions).

3.1 Digital Products

Because digital products are delivered instantly, all sales are final.
No refunds or exchanges will be issued once a digital item has been accessed or delivered.

3.2 Services & Consulting

Refunds may be considered before work begins, at the discretion of Anchor & Oak Collective.
Once a service, session, or project has started, payments become non-refundable.

3.3 Delivery of Digital Products

Digital products are delivered via email or instant download within 24 hours of payment confirmation.
If you do not receive your product, contact shana@anchorandoak.co.za for assistance.

3.4 Duplicate Payments or Errors

If a duplicate charge occurs, please contact us with proof of payment.
Valid refunds will be processed within 7 business days.

This website uses cookies to improve your browsing experience and track anonymous analytics data.

4.1 Types of Cookies Used

• Essential: Required for security and site functionality

• Analytics: Helps us understand visitor behaviour

• Marketing: Used for remarketing ads (with your consent)
  
  

You may disable or manage cookies in your browser settings at any time.
A cookie consent banner appears on your first visit.

The content on this website is for educational and informational purposes only.
While we aim for accuracy, Anchor & Oak Collective makes no guarantees about outcomes or suitability of information provided.

5.1 Professional Advice Disclaimer

Nothing on this site constitutes legal, financial, therapeutic, or medical advice.
Always consult a qualified professional.

5.2 Earnings & Results Disclaimer

Examples of success or income are illustrative only.
Your results depend on your effort, timing, and personal circumstances.