Our Policies: Transparency, Trust, and Your Rights

At Working Capital Academy, we believe in clarity and fairness. Here you’ll find our Terms of Service, Privacy Policy, and Refund Guidelines, designed to protect your rights and outline how we deliver our courses and services responsibly.

Last updated: November 3, 2026

Working Capital Academy is operated by SETPOINT Academy AB,
Corporate ID: 559389-8306
Address: Regementsgatan 46, 831 35 Ă–stersund, Sweden
Contact: [email protected]

1. Services Provided

Working Capital Academy provides digital educational products, including online courses, toolkits, calculators, templates, and related materials (“Services”).

All Services are delivered digitally and accessed online.

2. Individual License Grant

By purchasing any product, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the purchased content for your own individual, internal learning purposes only (“Individual License”).

No ownership rights are transferred.

3. Permitted Use

Under the Individual License, you may:

  • Access the content for your personal learning

  • Apply the concepts internally within your own role or company

4. Prohibited Use (Strictly Enforced)

Unless explicitly agreed in writing by SETPOINT Academy AB, you may not:

  1. Share, distribute, or make available the content to any other person

  2. Use the content in client engagements, consulting, advisory work, coaching, training delivery, workshops, or external-facing services

  3. Incorporate the content into client deliverables, including presentations, reports, templates, playbooks, or training materials

  4. Copy, reproduce, record, scrape, translate, adapt, modify, or create derivative works

  5. Resell, sublicense, redistribute, or white-label the content in any form

  6. Provide access via shared logins or group access arrangements

5. Commercial, Team, and Client Use

Any use involving:

  • multiple users

  • teams or departments

  • clients or external stakeholders

  • commercial delivery or resale

requires a separate written agreement and license.

6. Intellectual Property

All content, materials, tools, frameworks, methodologies, and trademarks are the exclusive intellectual property of SETPOINT Academy AB or its licensors.

Unauthorized use constitutes a breach of these Terms.

7. Payments and Access

All prices are shown at checkout.
Payment is due immediately, and access to digital content is granted once payment is confirmed.

8. Refunds & Right of Withdrawal

EU / EEA Customers

In accordance with EU consumer law, you have a 14-day right of withdrawal.
However, by completing your purchase and accessing the digital content, you expressly consent to immediate delivery and acknowledge that your right of withdrawal is waived.

Non-EU Customers

All sales are final.
No refunds are offered once access to digital content has been granted.

Refunds are not provided for completed or partially completed courses.

9. Disclaimer

All content is provided for educational purposes only.
We make no guarantees regarding specific business, financial, or professional outcomes.
You are solely responsible for how you apply the information.

10. Enforcement

We reserve the right to:

  • Suspend or terminate access for violations of these Terms

  • Remove access without refund in cases of unauthorized use

  • Pursue available legal remedies where applicable

11. Privacy & Data Protection

Who is responsible. SETPOINT Academy AB (Corporate ID 559389-8306) is the data controller for personal data collected on this website. Contact: [email protected].

What we collect. Name, email address, company, role, annual revenue, country, the numbers and answers you enter in our forms and tools, payment details (handled by Stripe or PayPal – we never see full card numbers), and how you use our courses and emails.

Why we use it, and on what legal basis:

  • To send you what you ask for, for example the Working Capital Benchmark report or a Cash Check report. Legal basis: steps taken at your request.
  • To deliver courses and services you buy, and to keep accounting records. Legal basis: contract and legal obligation.
  • To send you insights, offers and new editions of our reports. Legal basis: your consent, given by ticking the box in our forms. You can withdraw your consent at any time with the unsubscribe link in every email, or by writing to us.
  • To follow up a business request you make to us, for example a booked call. Legal basis: legitimate interest.

How long we keep it. If you do not become a customer, we delete or anonymise your data 24 months after our last contact, or earlier if you ask. Accounting records are kept for 7 years as Swedish law requires.

Who we share it with. We use trusted processors: Kajabi (website and email), Stripe and PayPal (payments) and Calendly (booking calls). Some of them process data in the USA. These transfers are protected by the EU–US Data Privacy Framework or the EU standard contractual clauses. We never sell your data.

Your rights. You have the right to access, correct, delete, restrict or object to the processing of your data, to data portability, and to withdraw consent. Send your request to [email protected]. You can also complain to the Swedish Authority for Privacy Protection (IMY), www.imy.se.

12. Governing Law and Jurisdiction

These Terms are governed by Swedish law.
Any disputes shall be exclusively resolved by the courts of Sweden.

13. Acceptance of Terms

By purchasing or accessing any product from Working Capital Academy, you confirm that you have read, understood, and agreed to these Terms of Service and License Policy.