Terms of service

Last updated: September 11, 2026

Welcome to SYNAPSE LLC.

These Terms of Service govern your access to and use of synapseebbok.com, including purchases of digital products, downloads, website content, features, and related services.

By accessing our website, placing an order, purchasing a digital product, or downloading content from us, you agree to these Terms of Service.

Please read them carefully before using our website or completing a purchase.

1. Company Information

This website is operated by:

SYNAPSE LLC
EIN: 98-1969487
8206 Louisiana Blvd NE Ste A 9377
Albuquerque, NM 87113
United States

Email: contact@synapseebbok.com
Phone: +1 (505) 888-8883
Website: synapseebbok.com

Throughout these Terms, “SYNAPSE LLC,” “we,” “us,” and “our” refer to SYNAPSE LLC.

2. Our Services

SYNAPSE LLC provides digital educational content relating primarily to personal finance.

Our products may include:

• Budgeting guides

• Saving guides

• Emergency fund guides

• Credit education guides

• Debt management guides

• Beginner investing guides

• Personal finance ebooks

• Downloadable PDF files

• EPUB and MOBI files

• Financial education checklists

• Frameworks and worksheets

• Other digital educational resources

Our products are intended for general informational and educational purposes.

3. Acceptance of These Terms

By using our website or purchasing one of our products, you confirm that:

• You have read and understood these Terms.

• You agree to comply with these Terms.

• You have the legal capacity to enter into a binding agreement.

• The information you provide when purchasing is accurate and complete.

If you do not agree with these Terms, you should not use our website or purchase our products.

4. Eligibility

You must be legally capable of entering into a contract in your jurisdiction to purchase products through our website.

If you are below the applicable age of majority, you may only use our services with the involvement and authorization of a parent or legal guardian where required.

5. Digital Products

All products currently offered through synapseebbok.com are digital unless expressly stated otherwise.

Digital products may be supplied in formats including:

• PDF

• EPUB

• MOBI

• Other electronic formats

Delivery may occur through:

• A download link.

• Email.

• A checkout confirmation page.

• Customer account access.

• Another electronic delivery method.

No physical product will be shipped unless expressly stated on the relevant product page.

6. Orders

When you place an order through our website, you are offering to purchase the selected product subject to these Terms.

We reserve the right to reject, review, or cancel an order where reasonably necessary, including in cases involving:

• Suspected fraud.

• Unauthorized payment.

• Duplicate transactions.

• Technical errors.

• Pricing errors.

• Incorrect payment information.

• Abuse of our services.

• Violation of these Terms.

If an order is cancelled after payment has been successfully collected and the product has not been supplied, we will process the appropriate refund where required.

7. Pricing

Prices displayed on our website are shown in the currency indicated at checkout.

We may change product prices at any time.

Price changes will not normally affect completed purchases.

Promotions, discounts, bundles, or coupon codes may be subject to separate conditions and may be modified or withdrawn where permitted.

8. Payments

Payment must generally be completed successfully before access to a digital product is provided.

Payments may be processed by third-party payment providers.

By submitting payment information, you represent that:

• You are authorized to use the selected payment method.

• The payment information provided is accurate.

• You authorize the relevant charge for your purchase.

SYNAPSE LLC does not generally store complete payment card numbers or card security codes.

9. Taxes

Applicable taxes may be calculated and charged where required.

Customers remain responsible for taxes or financial obligations applicable to them except where SYNAPSE LLC is required to calculate, collect, or remit such amounts.

10. Digital Delivery

Digital products are generally made available immediately or shortly after successful payment.

Delivery may occur through:

• Email.

• Download link.

• Checkout confirmation.

• Customer account.

• Secure delivery page.

• Another electronic method.

Customers are responsible for providing a valid email address and ensuring their device can access the relevant file format.

If you experience a delivery problem, contact:

contact@synapseebbok.com

We aim to respond within a maximum of 2 business days, Monday through Friday, excluding public holidays.

11. License to Use Our Products

When you purchase a digital product from SYNAPSE LLC, you receive a limited, personal, non-exclusive, non-transferable license to access and use that product for your own personal educational purposes.

Purchasing a digital product does not transfer ownership of the underlying intellectual property.

Unless expressly authorized by us in writing, you may not:

• Resell our digital products.

• Redistribute them.

• Share purchased files publicly.

• Upload them to file-sharing websites.

• Republish substantial portions.

• Sell modified copies.

• Create unauthorized copies for distribution.

• Claim our content as your own.

• Include substantial parts of our content in another commercial product.

• Use our guides to create competing products substantially derived from our original content.

One purchase is intended for the individual customer who completed the transaction unless otherwise stated.

12. Intellectual Property

All content on synapseebbok.com, including:

• Ebooks

• Guides

• Written content

• Graphics

• Illustrations

• Designs

• Branding

• Logos

• Product names

• Website content

• Worksheets

• Checklists

• Downloads

• Educational materials

is owned by SYNAPSE LLC or used with appropriate authorization, except where otherwise stated.

All applicable intellectual property rights are reserved.

13. Personal and Educational Use

Our products are intended primarily for personal educational use.

You may use the concepts, frameworks, and general knowledge contained in our materials to help inform your own personal financial decisions.

However, you may not reproduce or commercially exploit our original written content, layouts, worksheets, graphics, or proprietary materials without permission.

14. Refunds

Refunds and payment-related issues are governed by our separate Refund Policy, which forms part of these Terms.

Because our products are digital and may be accessible immediately, specific conditions may apply once digital content has been delivered, accessed, or downloaded.

Nothing in these Terms limits mandatory consumer rights that cannot legally be excluded.

15. Educational Purpose Only

All SYNAPSE LLC products and website content are provided for general informational and educational purposes only.

Our content is designed to explain personal finance concepts in an accessible manner.

It does not constitute individualized:

• Financial advice.

• Investment advice.

• Tax advice.

• Legal advice.

• Accounting advice.

• Credit counseling.

• Debt counseling.

• Financial planning.

• Brokerage services.

• Banking services.

SYNAPSE LLC does not assess your individual financial circumstances before providing its educational content.

16. No Financial Adviser Relationship

Purchasing a guide, reading our website, contacting customer support, or using our educational materials does not create a:

• Financial adviser-client relationship.

• Investment adviser-client relationship.

• Fiduciary relationship.

• Attorney-client relationship.

• Accountant-client relationship.

• Credit counselor-client relationship.

You remain responsible for deciding whether information contained in our products is appropriate for your individual circumstances.

17. No Guarantee of Financial Results

We do not guarantee that using our guides will result in:

• Increased savings.

• Reduced expenses.

• Elimination of debt.

• Improved credit scores.

• Approval for credit.

• Approval for loans.

• Higher income.

• Investment gains.

• Financial independence.

• Retirement success.

• Any specific financial outcome.

Personal financial results vary depending on many factors outside our control.

18. Investing Information

Any information contained in our guides concerning investments is educational in nature.

Nothing on our website or in our products should be interpreted as:

• A recommendation to buy or sell a particular security.

• A recommendation concerning a specific investment product.

• A solicitation to invest.

• A prediction of future investment performance.

• A guarantee of profit.

• A guarantee against loss.

Investments involve risk, including the possibility of losing some or all invested capital.

Customers should consider their own financial circumstances and seek appropriate professional advice where necessary.

19. Credit and Debt Information

Information relating to credit scores, debt, borrowing, repayment strategies, APR, interest rates, or lending practices is provided for general educational purposes.

Credit decisions and lending terms are determined by independent third parties.

We do not control:

• Credit bureaus.

• Banks.

• Lenders.

• Credit card issuers.

• Loan providers.

• Scoring models.

• Underwriting decisions.

Using our educational content does not guarantee any specific improvement in creditworthiness or lending eligibility.

20. Budgeting and Savings Information

Budgeting examples, savings strategies, frameworks, or calculations included in our guides are educational examples.

Actual results may vary based on factors such as:

• Income.

• Expenses.

• Debt.

• Financial obligations.

• Taxes.

• Family circumstances.

• Economic conditions.

• Interest rates.

• Personal behavior.

Customers should adapt any general framework to their own individual circumstances.

21. Accuracy of Information

We make reasonable efforts to ensure our educational content is clear and accurate at the time it is prepared.

However, financial information can change over time.

Factors such as:

• Laws.

• Tax rules.

• Interest rates.

• Credit policies.

• Financial products.

• Market conditions.

• Third-party fees.

• Platform features.

may change after a guide is published.

Customers should verify current information before making significant financial decisions.

22. Third-Party Financial Services

Our products may refer generally to third-party:

• Banks.

• Lenders.

• Investment platforms.

• Credit providers.

• Budgeting applications.

• Financial tools.

• Websites.

• Financial products.

• Services.

References are provided for informational purposes.

SYNAPSE LLC does not control third-party services and does not guarantee their:

• Availability.

• Pricing.

• Fees.

• Interest rates.

• Eligibility criteria.

• Financial performance.

• Security.

• Accuracy.

• Continued operation.

Customers should independently review the terms and information provided by third parties before using them.

23. No Access to Financial Accounts

SYNAPSE LLC does not require customers to provide us with access to private financial accounts in order to use our educational products.

You should never send us:

• Online banking passwords.

• Brokerage passwords.

• Credit card PINs.

• Security codes.

• Private authentication credentials.

• Full account login credentials.

We will never ask you to provide such credentials by email or through ordinary customer support communications.

24. File Compatibility

Our products may be made available in formats such as PDF, EPUB, and MOBI.

Customers are responsible for ensuring they have compatible:

• Devices.

• Applications.

• Ebook readers.

• Browsers.

• Software.

Where an alternative file format is available, we may provide it to resolve reasonable compatibility problems.

25. Website Availability

We aim to keep synapseebbok.com functioning reliably.

However, we do not guarantee uninterrupted or error-free availability.

Temporary interruptions may occur because of:

• Maintenance.

• Technical issues.

• Hosting problems.

• Software updates.

• Security incidents.

• Internet outages.

• Third-party service interruptions.

• Events outside our reasonable control.

26. Prohibited Uses

You may not use our website or products to:

• Violate applicable law.

• Commit fraud.

• Infringe intellectual property rights.

• Distribute malware.

• Attempt unauthorized access to our systems.

• Interfere with website security.

• Scrape protected content without authorization.

• Impersonate another person.

• Provide intentionally false information.

• Abuse our payment or refund systems.

• Resell our digital products without permission.

• Redistribute our content without authorization.

• Use our services for deceptive or malicious purposes.

We may restrict or terminate access where we reasonably believe these Terms have been violated.

27. Customer Communications

When communicating with our support team, customers must not submit content that is unlawful, fraudulent, threatening, malicious, or abusive.

We may limit communications in cases of serious or repeated misuse of customer support systems, provided this does not interfere with any rights that must legally be provided.

28. Reviews and User Content

If you voluntarily submit a review, testimonial, comment, photograph, or other content to us, you confirm that:

• You have the right to submit it.

• It does not infringe another person's rights.

• It is not intentionally false or misleading.

• It does not contain unlawful material.

Where you authorize us to publish submitted content, you grant us a non-exclusive right to display and use it for reasonable business and promotional purposes, subject to applicable privacy requirements.

29. Privacy

Our collection and use of personal information is described in our Privacy Policy.

By using our website, you acknowledge that information may be processed as described in that Policy.

30. Disclaimer of Warranties

To the fullest extent permitted by applicable law, our website and digital products are provided on an “as is” and “as available” basis.

We do not guarantee that:

• Our educational content will meet every customer's expectations.

• Using our guides will produce specific financial results.

• Every example will apply to every customer.

• Our website will always operate without interruption.

• Every file format will work on every possible device or application.

Nothing in these Terms excludes any warranty, guarantee, or legal right that cannot lawfully be excluded.

31. Limitation of Liability

To the fullest extent permitted by applicable law, SYNAPSE LLC will not be liable for indirect, incidental, special, consequential, or similar losses resulting from use of our website or educational materials.

This may include, where legally permitted:

• Investment losses.

• Financial losses.

• Lost profits.

• Loss of business opportunity.

• Credit decisions.

• Loan rejections.

• Losses arising from third-party financial products.

• Decisions made based on general educational information.

Customers remain responsible for their own financial decisions.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

32. Third-Party Decisions

SYNAPSE LLC is not responsible for decisions made by third parties such as:

• Banks.

• Lenders.

• Credit card issuers.

• Credit bureaus.

• Investment platforms.

• Financial institutions.

• Tax authorities.

• Government agencies.

We cannot guarantee how third parties will assess or respond to an individual customer's financial situation.

33. Market Risk

Financial markets may fluctuate significantly.

Past performance does not guarantee future results.

Any examples of historical returns, hypothetical calculations, or educational scenarios should not be interpreted as promises or guarantees of future performance.

34. Fraud Prevention

We may use reasonable fraud-prevention measures to protect our customers, business, and payment providers.

These measures may include:

• Transaction review.

• Payment verification.

• Temporary delivery delays.

• Cancellation of suspicious transactions.

• Requesting reasonable verification information.

• Restricting access associated with confirmed fraud.

35. Suspension or Termination

We may suspend or terminate access to our services where reasonably necessary if a customer:

• Materially violates these Terms.

• Engages in fraud.

• Redistributes our digital products without authorization.

• Attempts to compromise our website or systems.

• Seriously or repeatedly abuses our services.

Termination does not eliminate obligations or rights that arose before termination.

36. Changes to Products

We may update, revise, redesign, or improve our digital products from time to time.

Updates may include:

• Correcting errors.

• Updating examples.

• Improving formatting.

• Adding educational material.

• Removing outdated references.

• Updating links or resources.

Reasonable updates do not necessarily constitute a defect in a digital product.

37. Changes to These Terms

We may update these Terms of Service from time to time to reflect changes to:

• Our products.

• Our website.

• Our services.

• Business practices.

• Technology.

• Legal requirements.

The current version will be published on our website with a revised “Last updated” date.

38. Governing Law

These Terms and any dispute relating to SYNAPSE LLC or our services will be governed by the laws applicable in the State of New Mexico, United States, without regard to conflict-of-law principles, except where mandatory consumer laws require otherwise.

Nothing in this provision removes mandatory rights that customers may have under applicable law.

39. Dispute Resolution

If you experience a problem with a purchase or our services, we encourage you to contact us first so that we have an opportunity to investigate and resolve the issue.

Please contact:

contact@synapseebbok.com

We aim to respond within a maximum of 2 business days, Monday through Friday, excluding public holidays.

Nothing in this section prevents a customer from exercising any legal right or remedy available under applicable law.

40. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary.

The remaining provisions will continue in effect where permitted by law.

41. No Waiver

If SYNAPSE LLC does not immediately enforce a provision of these Terms, this does not mean that we waive our right to enforce it later.

42. Entire Agreement

These Terms of Service, together with our:

• Refund Policy

• Privacy Policy

• Shipping Policy

• Other policies expressly incorporated by reference

constitute the agreement governing your use of our website and purchases, subject to mandatory rights provided by applicable law.

43. Contact Information

If you have questions regarding these Terms, your purchase, or our digital products, please contact:

SYNAPSE LLC
8206 Louisiana Blvd NE Ste A 9377
Albuquerque, NM 87113
United States

EIN: 98-1969487
Email: contact@synapseebbok.com
Phone: +1 (505) 888-8883
Website: synapseebbok.com

We aim to respond to customer enquiries within a maximum of 2 business days, Monday through Friday, excluding public holidays.