Last updated: 30 November 2025
Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using this website. By accessing or using any part of the site, you agree to be bound by these Terms. If you do not agree, you should stop using the site immediately.
1. About This Website
This website, JoaoZorro.com, is owned and operated by Joao Zorro.
The site provides free and paid educational content focused on building and growing online businesses. The content includes articles, guides, newsletters, digital products, online courses, recommendations, and related resources.
2. Educational Purpose Only
All information on this website, including free content and paid courses, is provided for educational and informational purposes only.
Nothing on this site should be taken as financial, legal, tax, or professional advice.
You are responsible for how you apply any information, strategies, or frameworks. Always use your own judgment and consult a qualified professional if needed.
3. No Guarantees of Results
While I share proven strategies, personal experience, and practical frameworks, results are never guaranteed.
Your success depends on many factors, including but not limited to:
- your skills
- your experience
- your effort
- your discipline
- your market
- your implementation of the material
Results vary significantly from person to person.
Your results may differ, and that is normal and expected.
4. Earnings Disclaimer
Any income examples, case studies, or success stories shared on this website are illustrative only. They are not promises of what you will earn.
I do not guarantee:
- that you will make money
- that you will achieve similar results
- that you will reach specific financial goals
Building an online business involves risk, effort, and consistent work.
Your results are entirely your responsibility.
5. Affiliate Disclosure
Some links on this website are affiliate links.
This means that if you click a link and purchase a product or service, I may receive a commission at no additional cost to you.
I only recommend tools, services, and programs that I personally use or believe offer genuine value.
However, you should always do your own research before making any purchase.
6. Payments and Refunds
For paid courses, digital products, or programs:
- All prices are listed clearly at the time of purchase.
- Payments are processed securely through third-party providers (e.g., Stripe, PayPal, etc.).
- Refund policies are stated on the purchase page of each product.
If no refund policy is stated, the product is considered non-refundable.
Digital products are considered “consumed” once delivered and cannot be returned.
7. Intellectual Property
All content on this website — including text, images, videos, graphics, downloads, programs, and course materials — is protected by copyright.
You may not:
- copy
- reproduce
- share
- resell
- distribute
- modify
any content without prior written permission.
Courses and digital products are for individual use only.
8. User Responsibilities
By using this website, you agree that you will not:
- use the site for unlawful purposes
- upload harmful or malicious code
- attempt to gain unauthorized access
- violate the rights of others
- distribute spam or unsolicited messages
You agree to use the content ethically and legally.
9. Third-Party Websites
This website may link to external sites or services.
I am not responsible for:
- the content
- policies
- products
- services
- or actions
of any third-party website or company.
10. Limitation of Liability
To the fullest extent permitted by law, I am not liable for:
- any losses or damages
- business interruptions
- financial loss
- data loss
- or any other consequences
related to your use of this website or any of its content.
You use the site at your own risk.
11. Changes to These Terms
I may update or revise these Terms at any time.
Any changes will be posted on this page with an updated date.
Your continued use of the website constitutes acceptance of the updated Terms.
12. Contact
If you have any questions about these Terms, you may contact me at:
info@joaozorro.com