Termini di servizio

Last Updated: February 1, 2026

1. Introduction

These Terms of Service (“Terms”) govern the use of the website ibconsulting.pro and the purchase of products and services offered by IB Consulting S.L. By accessing the website or purchasing a product, you agree to be bound by these Terms.

2. Intellectual Property Rights

All content included on this site, including but not limited to:

• Text, graphics, logos, and images;
• Digital products (Business Plans, Excel Models, Market Research Reports);
• Source code and design elements;

is the exclusive property of IB Consulting S.L and is protected by international copyright and intellectual property laws.

License of Use for Digital Products

When you purchase a digital download from us, you are granted a non-exclusive, non-transferable, revocable license to use the product for your personal or internal business use only.

You are strictly prohibited from:

1. Reselling, sub-licensing, or redistributing the digital files to third parties.
2. Publishing the files or any part of them on the internet or public forums.
3. Claiming the intellectual property as your own.

3. Sale of Digital Products

The products available for purchase are strictly digital contents (e.g., PDF documents, Excel spreadsheets, Word templates). No physical product will be shipped.

Upon successful payment payment, you will receive an immediate download link to access your files.

4. Refund Policy & Right of Withdrawal

IMPORTANT NOTICE REGARDING DIGITAL CONTENT:

In accordance with the EU Consumer Rights Directive and Article 103(m) of the Spanish General Law for the Defense of Consumers and Users (TRLGDCU):

“The right of withdrawal DOES NOT APPLY to contracts for the supply of digital content which is not supplied on a tangible medium, once the execution has begun.”

By purchasing and downloading a digital product from this site, you expressly acknowledge, consent, and agree that you lose your right of withdrawal once the download process has started.

5. Limitation of Liability

IB Consulting S.L provides these documents “as is” for educational and informational purposes. We do not guarantee specific business results, funding, or success. You acknowledge that your business success depends on numerous factors beyond our control.

In no event shall IB Consulting S.L be liable for any direct, indirect, incidental, or consequential damages arising arising out of the use or inability to use our products.

6. Governing Law

These Terms are governed by and construed in accordance with the laws of Spain. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of the city where IB Consulting S.L has its registered office.