Terms
The rules of buying from us, in the fewest words that are still true.
Every programme on this site is sold on these terms. They live here, once — no page repeats its own version, and nothing in an email overrides what is written below.
Last updated 15 August 2026 · operated by Heritage Platform Group, Inc.
01 · What you are buying
A place in a live, taught programme: the sessions listed on that programme's page, the office hours attached to it, and the worksheets you complete during it. Outcomes are not part of the purchase — we do not promise a business, a visa, a loan, a licence or a closing.
Where a page says a fee credits toward another programme, that credit is honoured on the terms stated there.
02 · Not advice, not brokerage
Own Yourself Now provides educational content only: not legal, tax, immigration, or financial advice, and not brokerage. Information presented by Own Yourself Now is general educational information and should not be relied upon as a determination of what you personally are permitted or authorized to do. Every case turns on its own facts; your own attorney, CPA, and licensed advisors make every real decision. Referrals go to an independent, disclosed network.
No attorney-client, accountant-client, agency or fiduciary relationship is created by buying, attending or corresponding with us. We do not represent you, negotiate for you, or take a fee from any party to a transaction you enter, and we are paid nothing by anyone in the referral network.
03 · Payment
Payments are taken by Stripe. Card details never touch this site and we never see or store them. Prices are in US dollars and shown on each programme page; where a price is scheduled to rise, the new price and the date are printed alongside it.
Your receipt names the programme you bought. If a charge appears that you do not recognise, write to us before your bank — we can usually resolve it the same day.
04 · Refunds and cancellations
Two rules. Which one applies depends on what you bought.
Taught programmes: refunded in full within 24 hours of purchase, less a 5% processing fee — and that window closes the moment you attend a session, whichever comes first.
One-to-one time and subscriptions: not refundable.
The Immigrant Entrepreneur Cohort · Buy Without the Bank · Buying a Trades Business · Taxes for the Non-Citizen Owner
Taught programmes with a scheduled start
Full, less 5%
Within 24 hours of purchase, and only before you attend a session
The Corner · At the Table · The Deal Room
One-to-one time, and started subscriptions
No refund
The time is reserved for you and comes out of someone else's week
Two conditions, not one. The taught-programme window needs both to be true: still inside 24 hours of purchase, and you have not yet attended. Book a Monday session, attend it, and ask on Tuesday — you are inside 24 hours but the window has already closed. We would rather print that sentence than argue it.
The 5% is what the payment processor keeps whether you attend or not. It is applied when the refund is issued, so a $995 enrolment returns $945.25 and a $1,495 enrolment returns $1,420.25.
To cancel, reply to your receipt or write to [email protected]. The timestamp on your receipt is the clock, and the attendance record is the other half of it.
Refunds are issued by hand, to the card you paid with, usually within two business days. Your bank may take longer to show it.
Where we refund anyway. If we cancel or move a run, you are refunded in full with no deduction, or moved to the next run — your choice (section 06). And if we read a Corner worksheet and conclude this is the wrong room for you — that you need an attorney this week, or a programme rather than an hour — we refund the whole fee, no 5%, before any time is booked.
Moving a session instead. The Corner and At the Table are scheduled work. If you cannot make a booked time, tell us at least 24 hours ahead and we will move it once at no charge. That is not a refund, and it is usually what people actually want.
The Deal Room is a monthly subscription: cancel any time and it stops at the end of the month you have paid for. We do not pro-rate a month already begun, and we never bill you again after you cancel.
05 · Access and recordings
Session dates and joining links are emailed to the address on your receipt, normally within one business day. A place is for one named person; links are not transferable.
Where a recording is offered, it is available for thirty days after the session. Some sessions are not recorded so that people can speak freely about their own facts; that is stated on the programme page.
06 · If we change or cancel a run
We may move a session for illness or a scheduling failure, and will give as much notice as we have. If we cancel a run outright, or move it somewhere you cannot follow, you take a full refund with no deduction or a seat in the next run — your choice, and we ask, rather than assume.
07 · Conduct in the room
People bring real facts about their status, their family and their money to these sessions. What is said in the room stays in the room; do not record, screenshot or repeat another participant's situation outside it.
Selling to other participants, recruiting them, or harassing anyone ends your place without a refund. This has never happened; the rule exists so the room stays worth attending.
08 · Materials
Worksheets, checklists and the documents you complete are yours to use for your own business, for good. The teaching materials, recordings and templates themselves stay ours: do not resell, republish or teach from them.
09 · Liability
Education is provided as-is. Decisions you make after taking a programme are yours, made with your own licensed advisors. To the extent the law allows, our total liability to you for anything connected with a programme is limited to what you paid for it. Nothing here limits liability that cannot lawfully be limited.
10 · Governing law
These terms are governed by the laws of the State of California, and the courts of Santa Clara County have jurisdiction. If any part of them is unenforceable, the rest still stands.
We may update these terms; the date at the top changes when we do, and the terms in force when you bought are the ones that apply to your purchase.
Something here unclear?
Ask before you buy, not after — write to us and we will answer in plain words. If a term is confusing, that is our fault and we will rewrite it.