STSBO WEBSITE EARNINGS DISCLAIMER
Type of website: Ecommerce
Effective date: 1st day of August, 2026
www.stsbo.co (the "Site") is owned and operated by ProfitAbility Studio Ltd.
ProfitAbility Studio Ltd. can be contacted at:
1.888.414.6447
460 I-XL Crescent, Lockport, Manitoba, Canada, R1A 3R9
ProfitAbility Studio Ltd. Earnings Disclaimer
Disclaimer: No Earnings Projections, Promises, Or Representations
Effective Date: August 2026
Every effort has been made to accurately represent this product and its potential.
This site and the products offered on this site are not associated, affiliated, endorsed, or sponsored by Facebook, nor have they been reviewed tested or certified by Facebook.
There is no guarantee that you will earn any money using the techniques and ideas in these materials. Examples in these materials are not to be interpreted as a promise or guarantee of earnings. Earning potential is entirely dependent on the person using our product, ideas, and techniques. We do not position this product as a “get-rich scheme.”
Your level of success in attaining the results claimed in our materials depends on the time you devote to the programs, the ideas and techniques mentioned, your finances, your knowledge and various skills. Since these factors differ according to individuals, we cannot guarantee your success or income level. Nor are we responsible for any of your actions.
Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,” and other words and terms of similar meaning in connection with a description of potential earnings or financial performance.
Any and all forward-looking statements here or on any of our sales material are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else’s, in fact, no guarantees are made that you will achieve any results from our ideas and techniques in our material.
You recognize and agree that we have made no implications, warranties, promises, suggestions, projections, representations or guarantees whatsoever to you about future prospects or earnings, or that you will earn any money, with respect to your purchase of ProfitAbility Studio Ltd. products, and that we have not authorized any such projection, promise, or representation by others.
Any earnings or income statements, or any earnings or income examples, are only estimates of what we think you could earn. There is no assurance you will do as well as stated in any examples. If you rely upon any figures provided, you must accept the entire risk of not doing as well as the information provided. This applies whether the earnings or income examples are monetary in nature or pertain to advertising credits that may be earned (whether such credits are convertible to cash or not).
There is no assurance that any prior successes or past results as to earnings or income will apply, nor can any prior successes be used, as an indication of your future success or results from any of the information, content, or strategies. Any and all claims or representations as to income or earnings are not to be considered “average earnings”.
(i) The Economy. The economy, both where you do business, and on a national and even worldwide scale, creates additional uncertainty and economic risk. An economic recession or depression might negatively affect the results produced by ProfitAbility Studio Ltd. products.
(ii) Your Success Or Lack Of It. Your success in using the information or strategies provided at stsbo.co depends on a variety of factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices.
Therefore, we do not guarantee or imply that you will get rich, that you will do as well, or that you will have any earnings (whether monetary or advertising credits, whether convertible to cash or not), at all.
You may not rely on any information presented on the website or otherwise provided by us unless you do so with
the knowledge and understanding that you can experience significant losses (including, but not limited to, the loss of any monies paid to purchase ProfitAbility Studio Ltd. products, and further, that you may have no earnings at all (whether monetary or advertising credits, whether convertible to cash or not).
(iii) Forward-Looking Statements. MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.
ANY AND ALL FORWARD-LOOKING STATEMENTS HERE, IN OTHER MATERIALS CONTAINED ON THIS WEBSITE, OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE, IN FACT, NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.
(iv) Due Diligence. You are advised to do your own due diligence when it comes to making business decisions and should use caution and seek the advice of qualified professionals. You should check with your accountant, lawyer, or professional advisor, before acting on this or any information. You may not consider any examples, documents, or other content on the website or otherwise provided by us to be the equivalent of professional advice.
Nothing contained on the website or in materials available for sale or download on the website provides professional advice in any way. You should consult with your own accountant, lawyer, or professional advisor for any questions you may have.
We assume no responsibility for any losses or damages resulting from your use of any link, information, or opportunity contained within the website or within any information disclosed by the owner of this site in any form whatsoever.
(v) Purchase Price. Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for ProfitAbility Studio Ltd. products has been arbitrarily set by us. This price bears no relationship to objective standards.
STSBO TERMS AND CONDITIONS
These terms and conditions (the "Terms and Conditions") govern the use of www.stsbo.co (the "Site"). This Site is owned and operated by ProfitAbility Studio Ltd. This Site is an ecommerce website.
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
Intellectual Property
All content published and made available on our Site is the property of ProfitAbility Studio Ltd. and the Site's creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.
Acceptable Use
As a user of our Site, you agree to use our Site legally, not to use our Site for illegal purposes, and not to:
Violate the intellectual property rights of the Site owners or any third party to the Site; or
Not use the Bookkeeping Basics Program in your educational institution without registering by email first. Email: [email protected].
If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend or terminate your access to our Site. We also reserve the right to take any legal steps necessary to prevent you from accessing our Site.
Accounts
When you create an account on our Site, you agree to the following:
You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.
We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms and Conditions.
Sale of Goods And Services
These Terms and Conditions govern the sale of goods and services available on our Site.
The following digital goods are available on our Site and will be paid in full when purchased (if applicable):
Busy but Broke Book (Free PDF Download)
Profitable on Purpose (Free PDF Download)
Profit Polaroid (Free PDF workbook and paid mini course)
7 Day Profit Reset (Paid mini course)
Bookkeeping Basics for Small Town Small Business Owners Course (Free DIY & Paid DWY), and
Small Town Small Business Owners Monthly Membership (Paid)
The following services are available on our Site:
Profit Check-In (Free call)
Small Town Small Business Owners 1:1 Virtual Sessions (Paid), and
Small Town Small Business Owners Workshops (Paid).
The virtual sessions will be paid for in full when they are ordered. Workshop payment terms depend on the workshop being ordered and will be discussed with you in full before the order is finalized.
Additional products and services are available by invitation only and are not listed for sale on our website.
These Terms and Conditions apply to all the goods and services that are displayed on our Site at the time you access it. All information, descriptions, or images that we provide about our goods and services are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all goods and services we provide. You agree to purchase goods and services from our Site at your own risk.
We reserve the right to modify, reject or cancel your order whenever it becomes necessary. If we cancel your order and have already processed your payment, we will give you a refund equal to the amount you paid. You agree that it is your responsibility to monitor your payment instrument to verify receipt of any refund.
Subscriptions
Your Small Town Small Business Owners Membership subscription automatically renews monthly and you will be automatically billed until we receive notification that you want to cancel the subscription.
To cancel your subscription, please email: [email protected]. The Small Town Small Business Owners Membership can be cancelled anytime.
Payments
We accept the following payment methods on our Site:
Credit Card; and
PayPal
When you provide us with your payment information, you authorize our use of and access to the payment instrument you have chosen to use. By providing us with your payment information, you authorize us to charge the amount due to this payment instrument.
If we believe your payment has violated any law or these Terms and Conditions, we reserve the right to cancel or reverse your transaction.
Workshops and 1:1 in person meetings will be invoiced and can be paid by e-transfer (Canada), wire transfer (International), cheque or bank draft, and much be paid in full a minimum of thirty days before the event or meeting starts.
Refunds
Refunds for Goods
If you purchase a mini-course, you are covered by a 30 day money back guarantee. Just send an email to [email protected] within 30 days of purchase for a full refund.
For the Done-With-You Bookkeeping Basics program, which starts on the first Monday of every other month (Jan/Mar/May/July/Sept/Nov), you are eligible for a full refund until the end of the first week (11:59pm on the Sunday that immediately follows the start of the program). After the first week, payments are non-refundable.
The Small Town Small Business Owners Membership is non-refundable, but you can cancel your membership at anytime and the membership will expire at the next renewal date.
Refunds for Services
We provide refunds for services sold on our Site as follows:
1:1 Services
Payment for a 1:1 virtual session is required at time of purchase. Your payment will be fully refunded if the session is cancelled at least 24 hours before it is scheduled to start. There are no refunds for cancellations that happen less than 24 hours before the session is scheduled to start.
For 1:1 in person meetings, full payment is required 30 days before the meeting. Your payment is fully refundable if you cancel 30 days or more before the scheduled meeting. If you cancel less than 30 days but more than two weeks before the meeting, there will be a 25% cancellation fee. If you cancel less than two weeks but more than 5 days before the meeting, there will be a 50% cancellation fee. There are no refunds for cancellations made less than 5 days before the meeting.
Services provided to organizations
Virtual workshops require a 25% non-refundable deposit when they are scheduled. The balance is due a minimum of 5 days before the workshop is scheduled to take place. Virtual workshops are booked directly with us, and we will provide more information about payments and refunds during those discussions.
In-person workshops require a 50% non-refundable deposit when they are scheduled. The remaining balance is payable when we arrive for the workshop. In-person workshops are booked directly with us and we will provide more information about payments and refunds during those discussions.
Consumer Protection Law
Where the Consumer Protection Act, or any other consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms and Conditions will not limit your legal rights and remedies under that legislation. These Terms and Conditions will be read subject to the mandatory provisions of that legislation. If there is a conflict between these Terms and Conditions and that legislation, the mandatory provisions of the legislation will apply.
Limitation of Liability
ProfitAbility Studio Ltd. and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless ProfitAbility Studio Ltd. and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of the Province of Manitoba.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:
Phone: 1.888.414.6447
Email: [email protected]
Mail: 460 I-XL Crescent, Lockport, Manitoba, Canada, R1A 3R9
Effective Date: 1st day of August, 2026
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