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Terms of Service

Effective date: September 21, 2026. Publisher: Safe Publishing LTD, a company registered in England and Wales. Product: The High-Stakes Exam Protocol digital product, Resource Hub access, and associated materials (collectively, "the Product"). Marcus Reyes is the pen name under which The High-Stakes Exam Protocol is authored and published; all references to Marcus Reyes refer to the author operating under Safe Publishing LTD. By purchasing or accessing the Product, the customer agrees to these Terms of Service.

1. About us

Safe Publishing LTD is the publisher and seller of The High-Stakes Exam Protocol. Contact: support@thehighstakesexamprotocol.com. Handling of personal information in connection with the customer's purchase and use of the Product is governed by the separate Privacy Policy, which is incorporated by reference into these Terms.

2. Age requirement

The customer must be at least 18 years old, or have the consent of a parent or legal guardian, to purchase and use the Product. By purchasing, the customer confirms they meet this requirement.

3. License

The purchase grants the customer a personal, non-transferable, non-exclusive license to access and use the Product for their own preparation for a high-stakes exam. The customer may: access the Resource Hub via the permanent link provided; read, listen to, and download the Product materials for personal use; print any printable materials for personal use. The customer may not: resell, sublicense, or redistribute any part of the Product, in whole or in part, whether for payment or free of charge; share the Resource Hub link with any person who has not purchased the Product; post Product materials to public forums, cloud shares, torrents, or any other distribution channel; create derivative works based on the Product for commercial purposes; or circumvent, remove, alter, or otherwise interfere with any technical or contractual measure that identifies the copy or access, including the digital watermark (name, email address, and purchase date) embedded in the customer's copy of the ebook PDF. The Resource Hub access link is personal to the purchase and tied to the order record. Redistribution voids the license, revokes access, and may result in legal action under UK and US copyright law.

4. What the Product is not

The Product is a study methodology system. It is not: (a) Content instruction. The Product teaches method, not exam content. The customer is responsible for acquiring the content materials for their specific exam (courses, question banks, textbooks) separately. (b) Professional advice. The Product is educational content. It does not constitute medical, psychological, financial, legal, or other professional advice. If the customer is experiencing significant distress, health concerns, or clinical burnout in the course of their preparation, they should consult a qualified professional. (c) A guarantee of exam success. No study system can guarantee that any customer will pass any specific exam. The customer's outcome depends on many factors, including prior knowledge, effort, time available, external circumstances, and the exam's own scoring criteria. Safe Publishing LTD makes no guarantee, express or implied, that the customer will pass their exam.

5. Third-party services

The Product includes references to and integration with third-party services, most notably OpenAI's ChatGPT (used to host the AI Study Partner custom GPT) and Payhip (used to process purchases and deliver the Product). OpenAI is a third party. The customer is responsible for maintaining their own ChatGPT account (free tier or paid) and for complying with OpenAI's own Terms of Service. Safe Publishing LTD does not guarantee continued availability of the AI Study Partner. If OpenAI changes its policies, custom GPT feature, pricing, or availability, the Study Partner may become unavailable. The AI Prompt Kit included in the Resource Hub is a fallback for such cases. Payhip is a third party that operates the checkout, payment processing (via Stripe Connect), receipt, and delivery of the ebook and Resource Hub link; purchase and delivery data is handled subject to Payhip's own terms and privacy practices, in addition to these Terms. Safe Publishing LTD is not liable for third-party outages. Downtime, price changes, or policy changes at OpenAI, Payhip, Stripe, IngramSpark, or any other third-party service used to deliver the Product are not grounds for refund under the Refund Policy.

6. Pricing and payment

The Product is priced in US dollars (USD). The list price at time of purchase is the price the customer pays. Sales are made exclusively to customers in the United States. Purchases from other jurisdictions are not authorized and may be declined by the payment processor. Checkout is operated through Payhip, the e-commerce platform used by Safe Publishing LTD. Payment is processed by Stripe, Inc., via a Stripe Connect sub-account; Safe Publishing LTD remains the seller of record for the purchase. By purchasing, the customer authorizes this payment to be charged to the payment method provided. Sales tax, if applicable to the customer's US state of residence, is calculated and collected at checkout.

7. Delivery

Upon successful payment, Payhip automatically sends the customer a receipt and delivery email containing a digitally watermarked copy of the ebook PDF and the link to the Resource Hub (audiobook, companion resources, and AI Study Partner). Delivery is typically instantaneous but may take up to a few minutes depending on payment processor confirmation. If the customer has not received the delivery email within 2 hours of purchase, they should check their spam folder, then contact support@thehighstakesexamprotocol.com.

8. Refunds

Refunds are governed by the separate Refund Policy, which is incorporated by reference into these Terms. Key terms: 14 calendar days from purchase, with a minimum 72-hour reflection period; refund requires submission of the completed 20-Minute Diagnostic Worksheet as an attachment to the request; named discretion triggers apply (repeat purchase pattern, prior refund on file, non-substantive Diagnostic submission, chargeback already initiated, concurrent redistribution); a chargeback prevention clause requires customers to submit a refund request through the Refund Policy before initiating a chargeback with their card issuer; full details are in the Refund Policy.

9. Health, wellbeing, and content notice

The Product addresses study methodology in the context of high-stakes exam preparation. Some material acknowledges the emotional and physical stress associated with intense study, including burnout, anxiety, and family strain. This material is descriptive and educational. It is not a diagnosis of any medical or mental health condition; it is not a treatment plan; and it is not a substitute for care by a qualified healthcare professional. If the customer is experiencing significant psychological distress, physical health symptoms, or thoughts of self-harm, they should contact a qualified healthcare provider or a mental health crisis line in their jurisdiction. In the United States: 988 Suicide and Crisis Lifeline.

10. Limitation of liability

To the maximum extent permitted by applicable law: (a) Safe Publishing LTD's total liability to the customer, for any claim arising out of or related to the Product, is limited to the amount the customer paid for the Product. (b) Safe Publishing LTD is not liable for indirect, incidental, consequential, or punitive damages, including but not limited to exam failure, missed career opportunities, lost income, emotional distress, or loss of study time. (c) The Product is provided "as is" and "as available", without warranties of any kind, express or implied, including but not limited to fitness for a particular purpose, merchantability, or non-infringement. Nothing in these Terms limits liability for fraud, gross negligence, or any liability that cannot be limited under applicable law.

11. Intellectual property

All content in the Product — the book, audiobook, companion tools, exam-specific playbooks, the AI Study Partner instructions, and all associated materials — is the intellectual property of Safe Publishing LTD or is used under license. The customer acquires no ownership rights through the purchase. The customer acquires only the license described in Section 3.

12. Termination

Safe Publishing LTD may terminate the customer's access to the Resource Hub, without refund, if the customer materially violates these Terms — including but not limited to redistribution of Product materials, sharing the access link with any person who has not purchased the Product, or circumventing any technical or contractual measure that identifies the copy or access. The customer may terminate their relationship with Safe Publishing LTD at any time by simply not accessing the Resource Hub. Termination by the customer does not entitle them to a refund outside the terms of the Refund Policy.

13. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. Any dispute arising out of these Terms or the Product is subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory local law provides otherwise for consumers in the customer's jurisdiction.

14. Changes to these Terms

Safe Publishing LTD may update these Terms from time to time. The version in effect on the date of the customer's purchase is the version that applies to that purchase, regardless of subsequent updates. Material changes will be notified via the support email address on file at least 14 days before taking effect for existing customers.

15. Contact

Email: support@thehighstakesexamprotocol.com. Company: Safe Publishing LTD. Response time within 2 business days.


Safe Publishing LTD is a company registered in England and Wales. See also the Refund Policy.