Legal

Conditions of Use

Last Updated: April 21, 2026

These Conditions of Use (“Terms”) constitute a legally binding agreement between you and Nania Global Marketplace Ltd, a company registered in England and Wales (Company Number: 15544430), with its registered office at 64 Nile Street, London, N1 7SR, United Kingdom, trading as SnapBrainy (“we”, “us”, “our”).

BY ACCESSING THIS WEBSITE OR COMPLETING A PURCHASE, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE, DO NOT USE THIS WEBSITE OR PURCHASE ANY PRODUCT.

1. Products We Sell

SnapBrainy sells exclusively digital products — including but not limited to eBooks in PDF, EPUB, and MOBI formats (“Digital Products”). All products are delivered electronically via immediate download or account access upon payment confirmation. No physical goods are sold or shipped.

Because Digital Products are delivered instantly and cannot be returned, all sales are subject to the no-refund policy set out in Section 4.

2. Eligibility and Account

You must be at least 18 years of age, or the age of majority in your jurisdiction, to make a purchase. By placing an order, you represent and warrant that you meet this requirement.

An account is automatically created upon your first purchase to enable access to your library. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

3. Purchases and Payments

Payments are processed exclusively by Stripe and PayPal (“Payment Processors”). We do not store full payment card details. By providing payment information, you authorise us to charge the full purchase amount.

Prices are displayed in USD. Final pricing and applicable taxes are confirmed at checkout before payment is submitted. By completing checkout, you acknowledge that you have reviewed and accepted the displayed price.

We reserve the right to cancel or refuse an order at our discretion and to issue a full refund in such cases.

4. No-Refund Policy for Digital Products

4.1 General Rule — All Sales Final

All purchases of Digital Products are final and non-refundable. Once a Digital Product has been delivered — defined as the moment a download link is generated or account access to the product is granted — no refund will be issued, regardless of whether the file has been opened or downloaded. Download links are active for 30 days from the date of purchase and may be re-requested by contacting support within that period.

This policy applies to customers in all jurisdictions, subject to the statutory rights described below.

4.2 UK and European Union Customers — Explicit Waiver of Right of Withdrawal

Under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the EU Consumer Rights Directive 2011/83/EU, consumers ordinarily have a 14-day right of withdrawal from distance contracts.

However, this right expressly does not apply to digital content not supplied on a tangible medium where: (a) the consumer has given prior express consent to the supply beginning before the withdrawal period has expired; and (b) the consumer has acknowledged that their right of withdrawal is thereby lost (Article 16(m) of Directive 2011/83/EU; Regulation 28(1)(b) of the UK Consumer Contracts Regulations 2013).

At checkout, before payment is confirmed, you are presented with a mandatory checkbox requiring you to expressly confirm both conditions above. Completing a purchase without checking this box is not possible. Your checked consent is recorded, timestamped, and associated with your order.

By completing your purchase, you irrevocably confirm that you have provided this consent and that your statutory right of withdrawal has been waived.

4.3 United States Customers

In the United States, there is no federal statutory right of withdrawal for digital purchases. By completing a purchase, you agree that all sales are final as disclosed on this page and at checkout. This disclosure satisfies the FTC’s requirements for clear and conspicuous pre-purchase disclosure of material terms.

Residents of states with specific consumer protection statutes acknowledge that: (a) this no-refund policy was clearly presented before purchase; (b) the digital nature of the product prevents return; and (c) you have exercised informed consent by proceeding with the transaction.

4.4 Sole Exception — Technically Defective Files

A refund or replacement will be considered exclusively in the following circumstances:

  1. The digital file is technically defective (corrupted, incomplete, or unreadable) and the defect cannot be resolved by providing a replacement download.
  2. The product is materially and substantially different from its description on the Website.

To request a remedy, you must contact us at [email protected] within 14 days of purchase, including your order number and clear evidence of the defect. We reserve the right to first provide a corrected replacement file. Refunds under this exception are issued solely at our discretion after verification.

Dissatisfaction with content, writing style, subject matter, or personal preference does not constitute a defect and does not entitle you to a refund.

5. Chargeback and Payment Dispute Policy

5.1 Pre-Dispute Resolution Requirement

Before initiating any dispute, chargeback, or claim with a Payment Processor, your bank, or any financial institution, you are contractually required to contact us first at [email protected] and allow us a minimum of 5 business days to resolve your concern. Failure to do so constitutes a breach of these Terms.

This requirement applies regardless of your jurisdiction and is a condition of purchase that you accept at checkout.

5.2 Unauthorised Chargebacks

A chargeback is unauthorised under these Terms if it does not relate to a verified technically defective product (as defined in Section 4.4) or a proven fraudulent transaction (a transaction you did not authorise).

By completing a purchase, you explicitly agree that:

  • You understand and accept the no-refund policy for digital products;
  • You consented to immediate supply of the digital content;
  • The no-refund policy was presented clearly before and at the time of payment;
  • Initiating an unauthorised chargeback constitutes fraud and a material breach of contract.

5.3 Evidence We Will Submit in Disputes

In the event of any chargeback or payment dispute, we will provide the relevant Payment Processor or financial institution with all available evidence, including but not limited to:

  • A copy of these Conditions of Use and the date they were in effect at the time of purchase;
  • Your IP address, device information, and geolocation at the time of purchase;
  • Timestamped records of your checkout session, including the mandatory consent checkbox confirmation;
  • Proof of digital delivery (download link generation timestamp and/or access logs);
  • Email confirmation of your order sent to the address provided at checkout;
  • Any prior communication between you and our support team.

All evidence listed above is retained for a minimum of 180 days from the date of purchase and is used solely for the purpose of resolving payment disputes. This retention practice is disclosed in our Privacy Policy.

5.4 Consequences of Unauthorised Chargebacks

In the event of an unauthorised chargeback, we reserve the right to:

  • Permanently suspend or terminate your account and revoke access to all purchased products;
  • Block future purchases from your email address, IP address, and payment method;
  • Pursue recovery of the disputed amount plus any fees incurred (including Payment Processor chargeback fees, which are currently USD 15–30 per dispute under Stripe and PayPal policies) through civil proceedings;
  • Report the incident to fraud prevention services.

6. Intellectual Property

All content on this Website and all Digital Products are the property of Nania Global Marketplace Ltd or its licensors and are protected by UK, EU, US, and international copyright law.

Upon purchase, you receive a limited, non-exclusive, non-transferable, revocable licence to use the Digital Product for your personal, non-commercial purposes only. You may not share, resell, reproduce, distribute, sublicense, or otherwise exploit any Digital Product. Any unauthorised use will result in immediate licence revocation and may give rise to legal action.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Nania Global Marketplace Ltd’s total liability to you for any claim arising out of or in connection with these Terms or your use of the Website or Digital Products shall not exceed the amount you paid for the specific product giving rise to the claim.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, even if advised of the possibility of such damages.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

8. Dispute Resolution

8.1 United States — Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
If you are located in the United States, this section requires you to resolve disputes through individual binding arbitration rather than in court, and waives your right to participate in class action lawsuits or class arbitrations. By completing a purchase, you agree to this provision.

For customers located in the United States, any dispute, claim, or controversy arising out of or relating to these Terms or your purchase (“Dispute”) shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. You and SnapBrainy both waive any right to a jury trial or to participate in a class action, class arbitration, or representative proceeding.

Arbitration shall be conducted in English. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the above, either party may bring an individual claim in small claims court for disputes within that court’s jurisdictional limits.

8.2 United Kingdom and European Union

For customers located in the United Kingdom or the European Union, disputes shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. EU consumers may also access the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr. Our email address for ODR purposes is [email protected].

8.3 All Other Jurisdictions

For all other customers, these Terms are governed by the laws of England and Wales, and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without prejudice to any mandatory consumer protection rights that apply in your country of residence.

10. Changes to These Terms

We may update these Terms at any time. The “Last Updated” date at the top of this page will reflect the most recent revision. Continued use of the Website or any purchase made after the revised Terms are posted constitutes your acceptance of the updated Terms.

11. Contact

  • Email: [email protected]
  • Company: Nania Global Marketplace Ltd (trading as SnapBrainy)
  • Registered Address: 64 Nile Street, London, N1 7SR, United Kingdom
  • Company Number: 15544430