The fine print, written to be read.

Haven Smith, LLC is my company. On this page, "I", "me", and "my" mean Haven Smith, LLC as the seller and party to these terms, and when a sentence describes a person doing something, that person is me, Ashley.

Haven Smith, LLC does business as Haven Smith & Company. Its registered office is at 2108 N ST STE N, Sacramento, CA 95816. The fastest way to reach me is the contact page, or hello@havensmith.company.

Haven Smith, LLC sells digital downloads (guides, workbooks, records, and templates, delivered as files), gift cards (redeemable on anything in the shop), Honest IT sessions (live one-to-one time with me on Google Meet), digital life workshops (live sessions for a group or organization), project retainers (the $500 that starts an accessibility audit, a research and design project, or a training), Aha Moments card decks (each one plays in the Aha Moments app, and some also come as printable downloads), and the Aha Moments membership. Printed books, card decks, and other physical goods are made to order by my print partners as each one goes on sale.

Each digital download and the membership come with a choice of license: Personal, Commercial, or Extended commercial, explained under My material and yours. Books, card decks, and gifts are also sold wholesale to shops and organizations.

Prices are in US dollars and are shown on each product page. I may change a price at any time, and a change never affects an order already placed.

Payments to Haven Smith, LLC are taken through Stripe, my payment processor. I never see or store your full card number. Stripe emails your receipt, and every receipt stays available from your purchases at havensmith.company/account.

Placing an order means you accept these terms as they read on the day you order. Every checkout asks you to tick “I agree to the terms and refund policy” before you pay, and the order cannot go through without that tick.

Everything you buy from me is listed at havensmith.company/account. Sign in with the email you bought with, and a one-time link arrives by email. There is no password, and you do not need a membership.

Each purchase shows its receipt, its download or booking, and a refund button whenever the refund policy below covers it. You can change the email on your account there, save a copy of your purchases, or delete your account.

Your files are ready the moment your payment clears. The download is on screen, and the link is in your receipt email as well. The files are yours to keep and print.

So that a forwarded link does not spread, each download link works for 24 hours and opens up to five downloads. A fresh link is always free: sign in to your purchases for a new one, or use the link in your receipt to email yourself a new one.

If a download does not arrive, or a file will not open, send me a note on the contact page, and I will sort it out. There is no time limit on that. A file I cannot deliver is my problem whenever you tell me about it.

Gift cards are sold in fixed amounts. The code appears on screen as soon as you pay and arrives in your receipt email, so you can pass it on however and whenever you like.

A gift card never expires. Any balance left over stays on the card and can be spent across several orders. Gift cards can be spent on anything in the shop. A discount code cannot be used to buy a gift card, although a discount may be used on an order paid with one.

A gift card that has not been redeemed can be refunded from your purchases, and the code stops working. Once any part of it has been spent, it cannot be refunded.

California law gives you the right to ask for the remaining balance in cash once it falls below a set amount. From 1 April 2026 that amount is fifteen dollars, raised from ten. The rule covers electronic gift cards as well as plastic ones.

If your balance is under fifteen dollars, write to me at hello@havensmith.company with the order number, and I will return the remaining balance to you. I do not need a reason, and I will not ask you to spend it first.

A gift card code is worth exactly its face value to anybody holding it. I will never contact you to ask for a code, a password, a passcode, or a card number, and no legitimate business ever will. If a message claiming to be from me asks for one, it is not from me.

With the Personal license, the membership is $5 a month or $49 a year. The Commercial license is $15 a month or $149 a year for each seat, and the Extended commercial license is $49 a month or $490 a year. It renews automatically at the price you joined at, on the same day of the month or year that you joined, until you cancel. If you join on a day a shorter month does not have, that month renews on its last day.

Checkout shows these terms right above the pay button and asks you to agree to them. Your receipt email repeats them.

Before a yearly membership renews, you get a reminder email with the price and how to cancel. If the price ever changes, I will email you at least 7 days and no more than 30 days before the new price applies, with how to cancel.

If a renewal payment fails, Stripe tries your card again over about two weeks and emails you a link to update it. Your membership stays open while it tries. If every try fails, the membership ends, and you can rejoin any time.

Cancel online, any time, in the same place you joined. Sign in at havensmith.company/account, choose Manage membership, and choose Cancel. There is no call to make and no offer to talk you out of it.

Your membership stays open until the end of the time you have already paid for, and you are not charged again. Stripe emails you a confirmation.

Printed books, card decks, and other physical goods are made to order and shipped by my print partners within the United States. The product page and your confirmation say when your order should ship.

When it ships, you get the tracking number by email, and it shows on your purchases too. If an order cannot ship in the time I said, I will tell you, give you a new date, and offer you a full refund instead. If you cancel, the refund reaches your card within seven working days.

Shops and organizations can buy books, card decks, journals, and gifts at a trade price. Start on the Wholesale and licensing page.

Before anything is ordered, you get the terms in writing: the price, the minimum, and how it ships. Those written terms apply to the order alongside these.

Thirty minutes, live, one to one, on Google Meet, for $99. You name the problem when you book, and I read it beforehand. We work on it together, and afterward you get an email with what we covered and what to do next.

A session is done with you, not done for you. You keep hold of the mouse. I am not a service that logs into your accounts, holds your passwords, or carries out work on your behalf between sessions.

If you share your screen, I see what you see. That is the point of sharing it, and it is also the risk, so the rule does not bend: the moment you need to sign in anywhere, the screen share stops completely. It starts again once you are through.

This means I do not see your PII, personally identifiable information, which is anything that points at you by name, such as your home address, your date of birth, your phone number, or an account number. And I do not see your SPII, sensitive personally identifiable information, which is the smaller and more damaging set: Social Security numbers, financial account numbers, health records, and any password, passcode, or login code.

I will never ask you for any of those, in a session or outside one. If you type one while sharing, tell me, and I will look away and ask you to change it.

I do not record sessions. No video, no transcript, no copy of your screen, during the session or afterward. The email I send you is the only record, and it is yours.

Please do not record a session either without telling me first. California requires everyone on a call to agree before it is recorded.

You can reschedule or cancel free with at least 48 hours' notice. Inside 48 hours, you have one free late cancellation every twelve months. After that the session is spent.

A session you do not attend is spent. If you arrive late, I will still finish at the scheduled time, because somebody is usually booked after you.

An accessibility audit, a research and design project, or a training can start online with one flat $500 retainer. You can always send me a note first instead.

After you pay, you get an email with your receipt and the next step, which is booking your kickoff call. The retainer counts toward your project, and the balance is billed when the work is done. For example, a $750 Accessibility Snapshot leaves $250 to pay.

If the project is not a fit after the kickoff, you get the whole $500 back. The refund rule is written out again under Refunds and cancellations.

One hour, live and remote on Google Meet, for your group or organization, plus one fifty-minute prep call with the person organizing it. The series is three one-hour workshops, run in a single three-hour block or in three separate blocks over time.

One prep session is included with each booking. Further prep sessions are $249 each.

A single workshop is booked with a $1,500 retainer and the series with a $3,600 retainer. The retainer secures the date and pays for the prep session.

During prep we settle which pricing tier your organization falls into and I invoice the balance, which is due before the workshop runs. If your organization sits in the lowest tier, the retainer is the whole fee, and there is no balance to pay.

A custom workshop, meaning material I do not already have, is scoped during prep and priced above the tier. Tell me beforehand if that is what you want.

You may record a workshop for the people inside your own organization and keep that recording for twelve months. You may not publish it, sell it, post it publicly, or share it outside your organization.

This is a license to use the recording, not a transfer of anything. The material stays mine.

Read it, try it, and if it is not what you wanted, request a refund from your purchases within seven days of buying. The refund goes through at once. You do not have to explain why, and you do not have to delete the file, although the download link closes.

If a file never arrived or would not open, that is mine to fix whenever you tell me, with no time limit and no argument.

A gift card that has not been redeemed can be refunded in full at any time from your purchases.

Once any part of a gift card has been spent it cannot be refunded, although you keep the right to cash out a remaining balance under fifteen dollars, as set out above.

A full refund until 48 hours before your session, straight from your purchases. The session comes off my calendar, and Google lets you know.

Once a session has been held, that session is not refundable.

A session that is spent through a late cancellation or a no-show counts as used.

If you join and change your mind, you can cancel and get a full refund from your account within seven days of joining.

After that, cancelling stops every future charge, and the membership stays open to the end of the time you paid for. I do not refund time already paid for.

Physical goods are made to order, so I cannot take returns for a change of mind.

If something arrives damaged or wrong, send me a photo on the contact page within 30 days, and I will replace it at no cost to you.

The retainer is refundable in full until the prep session takes place. After the prep session it is not refundable, because the work it pays for has been delivered.

The balance depends on notice. More than 30 days before the workshop, no balance is due. Between 15 and 30 days, half the balance is due. Inside 14 days, the whole balance is due, because the date is no longer sellable.

One date change is free with more than 30 days' notice. Inside that, a change is treated as a cancellation and a new booking.

If I have to cancel a session or a workshop for any reason, you choose: a new date within 90 days, or a full refund including the retainer. That is your choice, not mine.

If my connection or Google Meet fails and I cannot deliver, I reschedule at no cost to you, and the session is not counted as used.

Refunds go back to the card you paid with, through Stripe, usually within five to ten business days depending on your bank. Stripe emails you a refund receipt. I do not charge a fee to process one.

I do not sell your information, and I never have. This site runs no advertising trackers and no analytics cookies, so nobody watches you here to show you ads elsewhere. I collect the least I can get away with, and everything below says exactly what that is.

When you buy: your name, email address, billing details, and what you ordered, plus a shipping address for physical goods. Payment card details go to my payment processor and never to me.

When you sign in: your email address, so I can show you your purchases and your membership.

When you sign up for a free download, my seasonal list, the book waitlist, or my emails: your first name, your email address, what you signed up for, and whether you opened or clicked. One sign-up to my seasonal list opens every seasonal freebie, so you never fill in the same form twice.

When you book a session: your name, email address, and the one priority you write when booking.

When you take the quiz: your answers and your result. If you give me an email address, I keep it with them.

When you use the AI in Aha Moments: the general words you type, such as your setting or your goal. The app and my server check them for personal details first and turn them away if they find any. What passes is sent to Anthropic to write your answer, and I do not save it. Anthropic does not use it to train its models. Please keep what you type general, and leave out names and anything personal, confidential, or proprietary.

When you visit: the standard information any web server sees, such as the page you asked for and the kind of browser you used.

Deliver what you bought. Answer you when you write. Send my emails if you asked for them. Keep my own records, which I am required to do for tax.

That is the whole list. I do not build profiles of you, and I do not use your information to train anything.

I run on services I do not own, and each of them handles some of your information on my behalf: Vercel hosts the site; Stripe takes payments, keeps payment records, and sends receipts; Supabase runs the sign-in for your account; Kit sends my emails and runs my sign-up and contact forms; Printful and Lulu make and ship physical orders, so they see your name and shipping address; Google runs Meet, my calendar, and my own working files; and Anthropic runs the chat helper and the AI in Aha Moments.

Each of these has its own privacy policy, and I choose them partly on that basis. None of them is permitted to sell your information on.

Only the necessary kind. The site keeps a little in your browser to keep you signed in, to remember your display settings, to remember that you joined my seasonal list, and to remember whether you turned on Enhance with AI in Aha Moments. There are no advertising or analytics cookies, so there is no cookie banner to click through.

I do not respond to browser Do Not Track signals, because there is still no agreed standard for what a site is meant to do when it receives one. With no trackers here, there is nothing for the signal to switch off.

Every email I send has an unsubscribe link, it works the first time, and using it does not affect anything you have bought. I will keep sending order confirmations and delivery emails for things you purchase, because those are not marketing.

Wherever you live, you can ask me what I hold about you, ask me to correct it, ask me to delete it, and ask for a copy. Send me a note on the contact page, or write to hello@havensmith.company, and I will do it. I will not charge you, and I will not make it difficult.

You can also delete your account yourself at havensmith.company/account. That ends any membership, removes your saved cards, takes you off my email list, and removes your sign-in. I keep records of your payments, refunds, and invoices for as long as tax law requires, because the law requires it.

If you are in California, the CCPA gives residents specific rights including access, deletion, correction, and the right to opt out of the sale or sharing of personal information. I do not sell or share your information in the sense the law means. I honor access, deletion, and correction for everybody rather than only for Californians, and I will never treat you differently for asking.

Order, payment, and refund records for as long as tax law requires, currently seven years. Proof that you agreed to a membership's renewal terms, for at least three years, or one year after the membership ends, whichever is longer. Email subscriptions until you unsubscribe. The priority you write when you book, for two years, so that I can pick up where you left off. Quiz answers for two years.

You can ask me to delete any of it sooner, except the records the law makes me keep.

Nothing I sell is intended for anyone under 18, and I do not knowingly collect information from children. If you believe a child has given me information, write to me, and I will remove it.

If information I hold is ever exposed, I will tell the people affected directly and promptly, and I will tell you what happened, what was involved, and what to do about it. I would rather tell you early and be wrong about the scale than tell you late.

With the Personal license, everything I sell is licensed to you personally, for as long as you like. Read it, print it, write on it, fill it in, keep it on as many of your own devices as you want, and use it with the people in your own household or family.

If you lead clients, a class, or a team with a guide or the cards, choose the Commercial license, described below.

Every digital download and the Aha Moments membership come with a choice of three licenses. Each license comes with the same files and the same cards. The license says who may use them. The license you choose at checkout is the one you hold, and your receipt names it.

Personal is for you and the people in your own home, as set out under What you may do.

Commercial is for one facilitator, coach, or teacher who uses the files or the cards with clients, a class, or a team. Buy one seat for each person who leads. A seat belongs to one person and is not shared.

Extended commercial lets you put the files or the cards inside something you sell, like a course, a program, or a client kit. It does not let you sell or give away the files on their own.

A license on a download lasts for as long as you like. A license on the membership lasts for as long as the membership does.

Buying for a whole firm, a school, or a shop? Ask for a quote on my Wholesale and licensing page. The written terms you agree with me there apply alongside these.

Resell it, share it publicly, post it in a group or a drive that strangers can reach, republish it under your own name, or use it to train a machine learning model.

Workshop material stays mine, including any recording your organization makes under the license above.

Anything you write in a booking form, tell me in a session, or fill into a workbook is yours. I do not claim any of it, I do not publish it, and I do not use it as an example without asking you first and getting a yes in writing.

If you send me feedback, I may use it to improve what I make. I will not quote you publicly, name you, or use your words in marketing unless you have said I can.

I provide practical education, organization, and planning guidance. I am not a lawyer, financial adviser, tax adviser, accountant, or medical professional, and nothing I sell or say is legal, financial, tax, investment, or medical advice.

I passed the Certified Financial Planner and Series 7 exams, but I never held either credential, because I went into engineering instead. I am not registered to give financial advice. Where something matters, take it to a professional who is.

Estate and legacy material is education about organizing information, not the drafting of any legal document. A will, a trust, and a power of attorney are all legal documents and need a lawyer in your state.

I check what I publish and I correct it when it is wrong. But software changes, settings move, postal rates and retailer dates change every year, and laws differ by state and country. Confirm anything time-sensitive or jurisdiction-specific before relying on it.

You are responsible for what you do with your own accounts, files, and devices. I will tell you what I would do. The clicking is yours.

I want this site and everything I sell to be usable by everyone, including people using a screen reader, keyboard navigation, or magnification. I build to WCAG 2.2 AA as my target, and I am not claiming I hit it everywhere.

If something here is not usable for you, send me a note on the contact page, or write to hello@havensmith.company, and tell me what happened. I will fix it, and in the meantime I will get you the content in a form that works.

Do not attempt to break into any part of this site, scrape it at scale, interfere with anyone else's use of it, or use it to do anything unlawful. Do not impersonate me or Haven Smith & Company.

I can decline or cancel an order if I have reason to believe it is fraudulent or abusive. If I do, I refund what was paid.

I stand behind what I sell, and I will make right anything I got wrong. But to the fullest extent the law allows, Haven Smith, LLC is not liable for indirect or consequential losses, for lost data or lost profits, or for anything arising from your own use of your accounts and devices.

Where Haven Smith, LLC is liable, its liability is limited to what you paid for the thing in question. Nothing here limits liability for fraud or for anything that cannot be limited by law.

Some states do not allow certain limitations, so parts of this may not apply to you.

I sometimes link to other businesses and tools because they are useful. I do not control them, I do not get paid for it unless I say so on the page, and their terms and privacy policies are theirs.

I update this page when what I do changes. The date at the top tells you when it last changed. Changes apply from the day they are posted and never retroactively to an order already placed.

If a change is significant and you are on my email list, I will tell you.

These terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Any dispute arising out of these terms, or out of anything you buy from Haven Smith, LLC, will be brought in the state or federal courts located in Sacramento County, California, and each of us agrees to the jurisdiction of those courts.

Write to me first. Before either of us starts anything formal, the one with the complaint will put it in writing to the other and allow 30 days to put it right. One email settles most things, and I would far rather fix something than argue about it.

Nothing here stops you bringing a claim in small claims court, and nothing here asks you to give up any right you hold under the consumer protection laws of the state you live in. Haven Smith, LLC does not require arbitration and does not ask you to waive your right to take part in a class action.

If a court decides that any part of these terms cannot be enforced, the rest of them still stand.

These terms, together with whatever is written on the page of the specific thing you bought, are the entire agreement between us. They replace anything said in conversation beforehand.

If I do not enforce part of these terms on one occasion, that does not mean I have given up the right to enforce them later.

You may not transfer your rights under these terms to anyone else without asking me first. Haven Smith, LLC may transfer its rights if this business is ever sold, and if that happens I will tell everybody on my email list before it takes effect.