The Service

Human Book Value™ is a paid digital self-assessment and report service. After successful payment, you may complete the assessment and receive a personalized persona report and practical 90-day plan based on the responses you submit.

The Service is provided for informational and educational purposes only. It is not medical, psychological, therapeutic, legal, financial, or other licensed advice or service, and does not create any professional-client, fiduciary, or advisory relationship.

Eligibility

You confirm that you are legally able to purchase and use the Service in your jurisdiction and that the information you provide is accurate to the best of your knowledge.

If you use the Service on behalf of another person or organization, you confirm that you have authority to do so and that these Terms apply to that use.

Digital Access and Payments

The Service is digital in nature and begins immediately upon successful payment. Once payment is completed, a unique order or transaction reference may be generated and access to the assessment may be made available immediately.

Prices are shown on the website at the time of purchase. Payments are processed through third-party payment providers. We do not store full card details.

If payment fails, is reversed, refunded, disputed, or otherwise not successfully completed, we may deny, suspend, or revoke access to the Service.

Acceptable Use

You agree not to:

• misuse the Service or use it for any unlawful, fraudulent, abusive, or unauthorized purpose;
• interfere with the website, assessment flow, payment flow, or automation systems;
• attempt to access non-public areas, bypass payment verification, or obtain reports without payment;
• copy, scrape, reverse-engineer, reproduce, exploit, or create derivative works from the Service, scoring logic, report templates, content, or branding; or
• upload or submit malicious code, spam, or abusive, harmful, or infringing content through any form or feature of the Service.

We may suspend, restrict, or terminate access where we reasonably believe there is misuse, fraud, abuse, or security risk.

Inputs and Results

Reports are generated using the information you submit and a structured interpretation framework. Results depend on self-reported inputs and may not reflect all relevant facts or circumstances.

You acknowledge that incomplete or inaccurate responses may affect the usefulness of the output, that results may change over time, and that no specific result, improvement, or outcome is guaranteed.

Delivery, Refunds, and Privacy

Delivery timing may vary due to processing, spam filtering, technical interruptions, or third-party provider delays.

Your purchase, delivery rights, cancellation rights, and refund eligibility are governed by our Return & Cancellation Policy, which forms part of these Terms.

Our collection and use of personal data are governed by our Privacy Policy, which also forms part of these Terms.

Intellectual Property

All rights in the Service, including its content, branding, design, assessment structure, scoring logic, report templates, and related materials, are owned by Human Book Value™ or licensed to us.

You are granted a limited, personal, non-exclusive, non-transferable right to access and use the Service for your own lawful, non-commercial use only. You may not copy, reproduce, distribute, sell, republish, or exploit any part of the Service without our prior written permission.

Third-Party Services

We may use third-party providers, including payment processors, hosting providers, email providers, automation tools, and other service providers, to operate the Service.

We are not responsible for delays, interruptions, or failures caused by third-party systems, though we may take reasonable steps to assist where possible.

Disclaimers and Liability

To the maximum extent permitted by applicable law, the Service is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted access, error-free operation, or that the Service will meet your expectations or produce any particular outcome.

To the maximum extent permitted by applicable law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss, decision, action, or outcome arising from or related to your use of, inability to use, or reliance on the Service.

To the maximum extent permitted by applicable law, our total liability for any claim relating to the Service will not exceed the amount paid by you for the specific Service giving rise to the claim.

Nothing in these Terms excludes liability or rights that cannot lawfully be excluded.

Indemnity

You agree to indemnify and hold harmless Human Book Value™ from claims, losses, liabilities, and expenses arising out of your misuse of the Service, your breach of these Terms, or your violation of any law or third-party rights.

Updates to the Service or Terms

We may modify, suspend, discontinue, or update the Service or these Terms from time to time.

Updated Terms become effective when posted on the website or otherwise made available, unless a later date is stated. The version in effect at the time of purchase will generally apply to that purchase unless applicable law requires otherwise.

Your continued use of the Service after updated Terms become effective constitutes your acceptance of the updated Terms.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Kingdom of Saudi Arabia.

Any dispute arising from or relating to the Service or these Terms will be subject to the competent courts of Saudi Arabia, unless mandatory consumer protection laws in your country of residence require otherwise.