FMRAp Policies

General

Last updated: January 2026

This page explains the legal terms, conditions, and policies governing your use of FMRAp.com and all products and services offered under the FMRA Publishing brand, operated by FMRA Ventures LLC. For clarity and transparency, our policies are organized into three distinct sections:

1. Terms of Use – rules for using this website and its content

2. Terms of Sale – rules for purchasing digital or physical products

3. Privacy Policy – how we collect, use, and protect personal data

By accessing this website or purchasing our products, you agree to these policies.

This policy may be updated periodically. Continued use of the site constitutes acceptance of any changes.

Article 1: TERMS OF USE

Article 1.1: Acceptance of Terms

By accessing FMRAp.com, you confirm that you are at least 18 years old (or have parental consent) and agree to be bound by these Terms of Use.

Article 1.2: Intellectual Property

All content on this website—including text, graphics, images, logos, book content, downloads, and branding—is the intellectual property of FMRA Ventures LLC, unless otherwise stated.

You may not:

  • Reproduce, distribute, or resell content without written permission

  • Claim authorship of FMRA Publishing or FMRA Ventures LLC content

  • Use content for commercial purposes without licensing

Personal, non‑commercial use is permitted.

Article 1.3: Prohibited Use

You agree not to:

  • Violate any applicable laws

  • Attempt to gain unauthorized access to the site

  • Use the site to distribute malware or harmful code

  • Copy or scrape content for resale or training without permission

Article 1.4: Third‑Party Links

FMRA Ventures LLC may include links to third‑party websites. We are not responsible for their content, policies, or practices.

Article 2: TERMS OF SALE

Article 2.1: Products & Services

FMRA Ventures LLC offers digital products (eBooks, PDFs, downloads) and may offer physical products or services.

All product descriptions are provided to the best of our ability. We reserve the right to modify or discontinue products at any time.

Article 2.2: Pricing & Payment

  • All prices are listed in USD unless otherwise stated

  • Payment is required at checkout

  • Taxes may be applied where required by law

Article 2.3: Digital Products & Refunds

Due to the nature of digital products:

  • All digital sales are final

  • No refunds, exchanges, or cancellations are offered once a download is delivered

Article 2.4: Physical Products

(If Applicable)

For physical items, shipping timelines and return policies will be stated at the point of purchase.

Article 2.5: Affiliate & FTC Disclosure

Some content may include affiliate links. If you purchase through these links, FMRA Ventures LLC may earn a commission at no additional cost to you. All affiliate relationships are disclosed in compliance with FTC guidelines.

Article 3: PRIVACY POLICY

Article 3.1: Information We Collect

We may collect:

  • Name and email address (e.g., newsletter sign‑ups)

  • Purchase information

  • Website usage data (cookies, analytics)

Article 3.2: How We Use Your Information

Your information may be used to:

  • Deliver purchased products

  • Send updates, newsletters, or promotional emails (opt‑out anytime)

  • Improve website performance and user experience

Article 3.3: Cookies & Analytics

FMRA Ventures LLC may use cookies and third‑party analytics tools to understand site usage. You may disable cookies in your browser settings.

Article 3.4 Data Sharing

We do not sell or rent personal information. Data may be shared only with trusted service providers (payment processors, email platforms) as necessary to operate the site.

Article 3.5: Data Security

We take reasonable measures to protect your information, but cannot guarantee absolute security.

Article 3.6: Your Rights

Depending on your location, you may have the right to:

  • Access or correct your data

  • Request the deletion of your data

  • Opt out of marketing communications

To exercise these rights, contact us using the information below.

Article 4: DISCLAIMERS & LIMITATION OF LIABILITY

Article 4.1: Your Information

All content provided by FMRA Publishing is for educational and informational purposes only and does not constitute legal, medical, financial, or professional advice.

FMRA Publishing and FMRA Ventures LLC are not liable for:

  • Any indirect or consequential damages

  • Losses resulting from reliance on information provided

  • Technical errors or interruptions

Use of this site and its content is at your own risk.

Article 5: INDEMNIFICATION

Article 5.1:

You agree to indemnify and hold harmless FMRA Publishing and FMRA Ventures LLC from any claims arising out of your use of the website or violation of these policies.

Article 6: GOVERNING LAW

Article 6.1:

These policies are governed by and construed in accordance with the laws of the United States and the state in which FMRA Ventures LLC is registered, without regard to conflict‑of‑law principles.

Article 7: CONTACT INFORMATION

Article 7.1:

For questions about these policies, please contact:

FMRA Ventures LLC

Doing business as: FMRA Publishing
Website: https://www.fmrap.com

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