UPDATED — NOVEMBER 2026
1. BINDING EFFECT. This is a binding agreement. By using the Internet site located at The Profit Formula (the “Site” or “Service”) or any services provided in connection with the Site, you agree to abide by these Terms of Use, as they may be amended by the owner The Profit Formula (“Company”) from time to time. Company will post a notice on the Site any time these Terms of Use have been changed or otherwise updated.
2. PRIVACY POLICY. Company respects your privacy and permits you to control the treatment of your personal information. A complete statement of Company’s current privacy policy can be found by clicking the “privacy” link at the bottom of the page. Company’s privacy policy is expressly incorporated into this Agreement by this reference.
3. GOVERNING LAW. These Terms shall be construed in accordance with and governed by the laws of Canada and the Province Of British Columbia, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of the provincial or federal courts in Vancouver, BC in all disputes arising out of or related to the use of the site.
4. AGE. The site is intended only for users aged 18 or older. Individuals under the age of 18 are strictly prohibited from using the site and the accounts for any such person shall be terminated upon discovery.
5. USE OF SOFTWARE. Company may make certain software available to you from the Site. If you download software from the Site, the software, including all files and images contained in or generated by the software, and accompanying data (collectively, “Software”) are deemed to be licensed to you by Company, for your personal, noncommercial, home use only. Company does not transfer either the title or the intellectual property rights to the Software, and Company retains full and complete title to the Software as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. All trademarks and logos are owned by Company or its licensors and you may not copy or use them in any manner.
6. USER CONTENT. You grant Company a license to use the materials you post to the Site or Service. By posting, downloading, displaying, performing, transmitting, or otherwise distributing information or other content (“User Content”) to the Site or Service, you are granting Company, its affiliates, officers, directors, employees, consultants, agents, and representatives a license to use User Content in connection with the operation of the Internet business of Company, its affiliates, officers, directors, employees, consultants, agents, and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. You will not be compensated for any User Content. You agree that Company may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the Site or Service, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.
6.1 Recording, Replays, and Educational Content Use
The Company may record live Q&A calls, coaching calls, group calls, workshops, webinars, and similar training sessions so members who cannot attend live may access the replay.
From time to time, the Company may use short clips, excerpts, or segments from these calls as educational, training, marketing, or promotional content, including but not limited to use on YouTube, social media, advertisements, internal trainings, course materials, or other Company platforms.
The Company will not intentionally share your private account details, pen names, unpublished book topics, book covers, financial information, personal identifying information, or other sensitive business information in public-facing content without your consent.
If you submit a question or participate in a call and do not want your question, voice, image, name, or related participation used in public-facing content, you must notify the Company at the time of submission or by emailing support@emekaossai.com. The Company will make reasonable efforts to honor opt-out requests for future public-facing content.
However, you understand that calls may still be recorded and made available internally to members of the program for replay, training, quality control, and educational purposes.
7. COMPLIANCE WITH INTELLECTUAL PROPERTY LAWS. When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, “Content”) in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.
8. INAPPROPRIATE CONTENT. You shall not make the following types of Content available. You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that (a) is libelous, defamatory, obscene, pornographic, abusive, or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. Company reserves the right to terminate your receipt, transmission, or other distribution of any such material using the Service, and, if applicable, to delete any such material from its servers. Company intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws.
9. COPYRIGHT INFRINGEMENT. Company has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site or with the Service. Please visit our DMCA Policy link at the bottom of the site pages to view our Digital Millennium Copyright Act takedown policies and to make a claim of infringement. Company’s DMCA Policy is expressly incorporated into this Agreement by this reference.
10. ALLEGED VIOLATIONS. Company reserves the right to terminate your use of the Service and/or the Site. To ensure that Company provides a high quality experience for you and for other users of the Site and the Service, you agree that Company or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Service. Company does not intend to disclose the existence or occurrence of such an investigation unless required by law, but Company reserves the right to terminate your account or your access to the Site immediately, with or without notice to you, and without liability to you, if Company believes that you have violated any of the Terms of Use, furnished Company with false or misleading information, or interfered with use of the Site or the Service by others.
11. NO WARRANTIES. COMPANY HEREBY DISCLAIMS ALL WARRANTIES. COMPANY IS MAKING THE SITE AVAILABLE “AS IS” WITHOUT WARRANTY OF ANY KIND. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR THE SERVICE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. COMPANY DOES NOT WARRANT THAT THE SITE OR THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE SITE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
12. LIMITED LIABILITY. COMPANY’S LIABILITY TO YOU IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR ANY OTHER MATERIALS OR SERVICES PROVIDED TO YOU BY COMPANY. This limitation shall apply regardless of whether the damages arise out of breach of contract, tort, or any other legal theory or form of action.
13. AFFILIATED SITES. Company has no control over, and no liability for any third party websites or materials. Company works with a number of partners and affiliates whose Internet sites may be linked with the Site. Because neither Company nor the Site has control over the content and performance of these partner and affiliate sites, Company makes no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and Company assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites. Similarly, from time to time in connection with your use of the Site, you may have access to content items (including, but not limited to, websites) that are owned by third parties. You acknowledge and agree that Company makes no guarantees about, and assumes no responsibility for, the accuracy, currency, content, or quality of this third party content, and that, unless expressly provided otherwise, these Terms of Use shall govern your use of any and all third party content.
14. PROHIBITED USES. Company imposes certain restrictions on your permissible use of the Site and the Service. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Service, the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site or Service, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” (d) using the Site or Service to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services; (e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Service; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by Company in providing the Site or Service. Any violation of system or network security may subject you to civil and/or criminal liability.
15. INDEMNITY. You agree to indemnify Company for certain of your acts and omissions. You agree to indemnify, defend, and hold harmless Company, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of the Site, your violation of these Terms of Use, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. Company will notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.
16. COPYRIGHT. All contents of Site or Service are: Copyright © 2025 Emeka Ossai and The Profit Formula All rights reserved.
17. SEVERABILITY; WAIVER. If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms of Use to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.
18. NO LICENSE. Nothing contained on the Site should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by Company or by any third party.
19. AMENDMENTS. Company reserves the right to amend these Terms. Should Company seek to make such an amendment and we, in our sole discretion, consider the amendment to be material in nature, we shall:
(a) Clearly publish on the home page the fact an amendment is being made. You may contact us to discuss and contact information so you may discuss the proposed changes with us.
Should a court of competent jurisdiction rule this Amendment provision invalid, then this Amendment clause shall be terminated as part of this agreement with the agreement between us reverting to the previous set of terms applicable to the website. All amendments to the Terms shall be forward looking.
20. MEDIA
As a User, you certify that you are not a member of the media, or that if you are, you are participating on this Website solely for your personal enjoyment and not as part of any investigation or gathering of information for dissemination of information to the public as news and that you will not use any such information in any manner without the express written permission of the Company. You agree that everything that you observe on the Website will be kept in strict confidence, and that you will do nothing to jeopardize the privacy and identities of any other User whatsoever.
21. REFUND POLICY, SATISFACTION WARRANTY, AND BONUSES
This Section 21 governs refunds and any cash back or review bonuses offered by The Profit Formula (“Company”).
21.1 Publishing Academy Core Program — 90-Day "Ask and Receive" Refund Guarantee (Purchases On or After February 17, 2026)
The Publishing Academy core program includes a 90-day "Ask and Receive" Refund Guarantee for eligible students who remain enrolled in the core program and do not upgrade to 1:1 Mentorship, as further described in Section 21.6.
(a) Days 1–30: No-Questions-Asked Refund
During the first thirty (30) calendar days following the initial purchase, students may request a full refund for any reason.
No explanation, completed coursework, published book, or other performance requirement is necessary to qualify.
(b) Days 31–90: Publish One Book Guarantee
From day thirty-one (31) through day ninety (90) following the initial purchase, students are covered by the Publish One Book Guarantee.
Under this guarantee, a student who publishes at least one (1) book on Amazon during the 90-day guarantee period and is dissatisfied with the program may request a full refund by day ninety (90).
Students must submit their refund request within the applicable 90-day period.
(c) Additional Refund Discretion
The Company may, at its sole discretion, approve refund requests submitted during the 90-day guarantee period even if the student has not published a book.
The Company may waive the publication requirement without creating an obligation to waive that requirement in every case, subject to applicable law.
(d) Refund Requests and Processing
Refund requests must be submitted by email to support@publishingacademy.com.
The Company will process approved refunds within forty-eight (48) hours of approval. The time required for refunded funds to appear in the student's account may vary depending on the payment processor or financial institution.
Approved refunds under this guarantee will be for 100% of the amount paid directly to the Company for the eligible core program, without processing fees, bonus-token deductions, or other administrative deductions.
(e) Exclusions — 1:1 Mentorship and Premium Services
This guarantee applies exclusively to eligible Publishing Academy core-program purchases.
Students who affirmatively upgrade to 1:1 Mentorship waive the remaining core-program refund guarantee as described in Section 21.6, except where otherwise required by law.
Profit Accelerator, 1:1 Mentorship Upgrades, and other premium coaching services remain subject to the applicable non-refundable terms in Section 21.6.
Nothing in this Section limits any non-waivable refund, cancellation, or consumer protection rights under applicable law.
21.2 Purchases Before February 17, 2026,Three (3) Day Right of Rescission
Purchases made before February 17, 2026 were subject to a three (3) business day right of rescission.
Cancellation requests must be submitted within three (3) business days of initial payment by emailing support@emekaossai.com. After that period, refunds were issued at the Company’s discretion.
If a complimentary full-length book credit was redeemed under a promotional offer, the Company reserves the right to refuse the three (3) day cancellation. Approved cancellations are refunded within 10 days.
21.3 Satisfaction Warranty (Legacy Purchases Only)
This Satisfaction Warranty applies only to purchases made before February 17, 2026 and only if all requirements below are met.
To qualify, you must:
1. Complete, produce, and publish a full-length book of at least 25,000 words;
2. Achieve either:
- 100 customer reviews on Amazon, or
- 50 customer reviews on Audible;
3. Submit your request within 180 days of purchase.
This warranty applies only to monies paid directly to the Company, minus any bonuses or cash backs received, and excludes:
- Discounts
- Unpaid balances
- Advertising or promotional expenses
- Any third-party production costs (including but not limited to Amazon Ads, Audible/ACX costs, freelancers, tools, software, or publishing services)
All required proof must be submitted to support@emekaossai.com
within 180 days. If the stated requirements are not fully met, the refund request will not be considered.
21.4 $500 Bonuses and Cash Back Programs
The Company may offer cash back or review bonuses, including a $500 USD bonus, to reward client performance.
(a) One-Bonus Rule
Clients may claim only one (1) bonus. Claiming any bonus waives the right to claim additional bonuses.
(b) Waiver of Satisfaction Warranty
Any client who receives a $500 USD Cash Bonus, $500 USD Review Bonus, $500 USD Cash Back Bonus, or any similar performance-based bonus waives their right to claim the Satisfaction Warranty and becomes ineligible for any refund under that warranty.
(c) 90-Day Bonus Claim Requirement
Unless otherwise expressly stated in writing in the applicable promotional offer:
- All eligible cash-back and performance-based bonus claims must be submitted within ninety (90) calendar days of the original qualifying purchase date.
- Only clients who paid directly for the qualifying program are eligible.
- Bonus, companion, transferred, add-on, or complimentary memberships are not eligible.
Claims submitted after the 90-day eligibility period will not qualify for the bonus, except where otherwise required by law or expressly agreed to by the Company in writing.
All claims must be submitted through the Company's designated application process or by emailing support@emekaossai.com with the required documentation.
Each bonus may be redeemed only once per qualifying client.
21.5 $500 USD Full-Length Publishing Cash Bonus
Certain clients may be eligible for a $500 USD Full-Length Publishing Cash Bonus. This bonus is intended to reward clients who take action.
To qualify, you must:
Receive a minimum of fifty (50) customer reviews on your full-length (25,000+ word) Amazon book and/or full-length (2+ hour) audiobook listing, combined;
Ensure that the reviews apply to the same title if combining formats;
Publish a qualifying full-length book (25,000+ word ebook/print and/or 2+ hour audiobook);
Submit your completed bonus request within ninety (90) calendar days of your original qualifying purchase; and
Redeem the bonus only once.
All eligibility requirements must be satisfied, and the completed bonus claim must be submitted, within the 90-day claim period.
All bonus claims must be submitted through the Company's designated application process. Once reviewed, the Company will notify you regarding approval status.
Receipt of this $500 USD Cash Bonus waives eligibility for any applicable Satisfaction Warranty, subject to applicable law.
Bonuses may include the first full-length book produced by The Urban Writers/Dibbly Create, where included in the qualifying offer.
21.6 Profit Accelerator, 1:1 Mentorship Upgrades, and Other Premium Coaching — Non-Refundable
The Publishing Academy core program has the 90-day refund guarantee described in Section 21.1 only while the student remains in the core program without purchasing a 1:1 Mentorship Upgrade.
However, Profit Accelerator, any Accelerator Upgrade, and any premium mentorship, coaching, implementation, or one-on-one support package purchased from the Company are separate premium services and are final and non-refundable.
1:1 Mentorship Upgrade. The 1:1 Mentorship is a separate, higher-tier coaching service that provides the individual mentorship and coaching access described in the student's offer or order form. It is non-refundable. A student may purchase this service only as an upgrade while enrolled in Publishing Academy. Before purchase, the Company will disclose these terms and require the student to affirmatively accept them. By completing that upgrade, the student acknowledges and agrees that (i) all amounts paid for the 1:1 Mentorship, whether paid in full or in installments, are non-refundable; (ii) all amounts previously paid for the Publishing Academy core program, together with all amounts paid for the 1:1 Mentorship, are treated for refund purposes as payments toward the combined, non-refundable 1:1 Mentorship package; and (iii) any remaining 90-day refund guarantee associated with the core Publishing Academy program is waived and no longer applies to those prior core-program payments. These terms apply to an upgrade expressly sold as 1:1 Mentorship, including one offered under the Profit Accelerator or Accelerator Upgrade name, and take effect only when the student affirmatively agrees to the upgrade. Nothing in this paragraph waives rights that cannot lawfully be waived.
You understand and agree that Profit Accelerator and related premium mentorship packages involve the coach’s personal time, personal attention, strategic feedback, limited coaching capacity, personalized support, and/or reserved business resources. Because these services require the Company and/or Emeka Ossai to allocate time, capacity, and resources specifically for you, all payments made toward Profit Accelerator or any Accelerator Upgrade are non-refundable once purchased.
This applies whether Profit Accelerator or any Accelerator Upgrade is purchased as:
- A paid-in-full purchase;
- A payment plan;
- An upgrade from The Profit Formula Publishing Academy;
- A private invitation;
- A special offer;
- or any other premium mentorship or coaching arrangement.
The 90-Day Refund Guarantee in Section 21.1 and the Satisfaction Warranty in Section 21.3 do not apply to Profit Accelerator, Accelerator Upgrades, or premium mentorship packages.
If you purchase Publishing Academy and later buy a 1:1 Mentorship Upgrade, the 90-day core-program guarantee does not remain available for the prior core-program payments, as explained above. If you buy a premium service that is not expressly offered and accepted as a 1:1 Mentorship Upgrade, the core-program payments remain subject to their originally applicable refund policy unless a different treatment is separately and validly agreed at the time of that purchase.
Any installment or payment plan amounts for Profit Accelerator, a 1:1 Mentorship Upgrade, or any Accelerator Upgrade remain due and payable according to the agreed payment schedule. No voluntary refund or credit is available for those premium-service payments, but nothing in this provision restricts lawful cancellation, dispute, chargeback, or other non-waivable consumer rights.
Nothing in this Section 21.6 is intended to limit any non-waivable rights you may have under applicable consumer protection laws. To the extent such laws apply, this policy will be interpreted to comply with them.
21.7 Companion / Bonus Memberships — Eligibility, Access, and Refund Treatment
(a) Eligibility and Designation
Some qualifying enrollments include one (1) additional complimentary or discounted "bonus" or "companion" membership for a second individual, made available as part of the primary member's purchase.
The Bring a Friend Bonus allows an eligible primary purchaser to designate one (1) business partner, spouse, or family member who wishes to participate in the Publishing Academy program alongside them.
The bonus membership is limited to one (1) designated individual per qualifying purchase and must be claimed and activated within ninety (90) calendar days of the original qualifying purchase. After this period, the bonus expires and cannot be redeemed.
(b) Membership Access and Restrictions
The primary member and designated companion/bonus member may each receive separate individual access to the Program, subject to the benefits, limitations, and exclusions applicable to the qualifying offer.
The companion/bonus membership is intended solely for the designated individual and may not be transferred, resold, assigned, or shared with any other person.
The companion/bonus member is not eligible to claim Bonus #8 (the $500 Cash Back Bonus) or any other cash-based or review-based performance bonus reserved for qualifying paying members.
(c) Payment Arrangements
The Company recognizes only one (1) qualifying purchase for each primary and companion/bonus membership arrangement, regardless of the number of individuals granted access.
The Company is not a party to, and assumes no responsibility for, any personal or financial arrangement between the primary member and the companion/bonus member regarding cost-sharing, reimbursement, or division of payment.
Any such arrangement is strictly between those individuals.
(d) Refund Treatment
If the primary member (the individual who made the qualifying purchase) requests and is approved for a refund under the applicable provisions of Section 21, the refund will be issued solely to the primary member.
Upon processing of that refund, both the primary member's and the companion/bonus member's access to the Site, Service, and Program will be terminated, as both memberships are associated with a single qualifying purchase.
The companion/bonus member has no independent right to request, receive, or be consulted regarding a refund.
The Company will not process refund requests initiated by the companion/bonus member, divide refunds between members, or permit the companion/bonus member to retain Program access following a refund of the qualifying purchase.
(e) General Conditions
All companion/bonus memberships remain subject to the Company's Terms of Service and the specific benefits, limitations, eligibility requirements, and restrictions of the qualifying promotional offer.
The provision of a companion/bonus membership does not create a separate purchase agreement or independent refund entitlement for the companion/bonus member.
22. SMS / TEXT MESSAGING AND MOBILE INFORMATION.
By providing your mobile number and submitting a registration form, you consent to receive recurring automated informational text messages from Publishing Academy (a trading name of 1198674 B.C. Ltd.) at the number provided, including messages sent by an automatic telephone dialing system. Consent is not a condition of any purchase.
Message frequency varies (approximately 3 messages per webinar registration). Message and data rates may apply. You may opt out at any time by replying STOP. Reply HELP for assistance. Carriers are not liable for delayed or undelivered messages.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All the above categories exclude text messaging originator opt-in data and consent; this information won't be shared with any third parties.
Categories of messages you may receive include: webinar registration confirmations, session reminders, and related training updates.