1.1 Acceptance of Terms

By accessing or purchasing from Anchor & Oak Collective, you agree to these Terms of Service and to comply with all applicable laws. If you do not agree, please discontinue use immediately.

1.2 Services Provided

Anchor & Oak Collective offers digital products, templates, brand assets, online programs, and related consulting services.

1.3 Eligibility

You must be at least 18 years old (or the legal age of majority in your country) to use this website.

1.4 Payments

Payments are securely processed through approved third-party gateways such as Paystack, PayPal, or Stripe. Prices are shown in US Dollar (USD) unless stated otherwise. All taxes and processing fees are included or disclosed prior to purchase.

1.5 Intellectual Property

All content, materials, designs, and resources on this website are owned by Anchor & Oak Collective (Brendon Scott) unless otherwise stated. You may not copy, distribute, modify, or resell any part of this website or its products without written consent.

1.6 Limitation of Liability

We do not guarantee that any product, service, or resource will achieve specific results. Anchor & Oak Collective and its owners are not liable for any direct or indirect damages arising from use of our products, website, or services.

1.7 Changes to Terms

We may update these Terms from time to time. Continued use of the site constitutes acceptance of the latest version.

2.1 Compliance Frameworks

Anchor & Oak Collective complies with:

• POPIA (South Africa) – Protection of Personal Information Act 4 of 2013

• GDPR (UK and EU) – General Data Protection Regulation 2016/679

• CCPA (USA, California) and relevant state privacy standards

2.2 Information Collected

We may collect:

• Name, email address, and contact details when you opt in or purchase

• Billing information during checkout (handled by secure third parties)

• Analytics data (cookies, IP address, browser type)

2.3 Use of Information

Data is used to:

• Process orders and deliver digital products

• Communicate updates, resources, or marketing (with your consent)

• Improve our website, services, and analytics

2.4 Data Storage & Security

We use encrypted connections (SSL) and reputable platforms (Kartra, Paystack, PayPal, Google Analytics) to safeguard your data. Personal information is retained only as long as necessary.

2.5 Data Rights

You may request access, correction, or deletion of your personal information by emailing support@anchorandoak.co.za.
Under GDPR and POPIA you have the right to withdraw consent and request data portability.

2.6 Third-Party Processors

We share data only with trusted partners for payment processing, analytics, or email delivery. Each partner complies with its region’s privacy standards.

2.7 International Transfers

Because our systems may operate globally, your data may be transferred across borders under appropriate legal safeguards (Standard Contractual Clauses / adequacy decisions).

3.1 Digital Products

Due to the instant and downloadable nature of our digital products, all sales are final. No refunds or exchanges are provided once a digital product has been delivered or accessed.

3.2 Services and Consulting

Refunds may be considered only before work begins, at Anchor & Oak’s discretion. Once consulting or project work has commenced, payments are non-refundable.

3.3 Delivery of Products

Digital items are delivered electronically via email or instant download within 24 hours of payment confirmation.
If you experience issues accessing your product, please contact support@anchorandoak.co.za.

3.4 Duplicate Payments or Errors

If a duplicate charge occurs, please notify us immediately with proof of payment. We will verify and issue any valid refund within 7 business days.

This website uses cookies to improve your browsing experience and collect analytics data.
Cookies help us understand which content is most useful and deliver a better user experience.

4.1 Types of Cookies Used

• Essential: required for site functionality and security

• Analytics: track anonymous visitor behaviour

• Marketing: used only with consent for remarketing and ad performance

You can manage or disable cookies in your browser settings at any time.
On first visit, a cookie banner allows you to accept or reject non-essential cookies.

The content and materials on this site are provided for educational and informational purposes only.
While every effort is made to ensure accuracy, Anchor & Oak Collective makes no guarantees regarding outcomes, results, or suitability of information provided.

5.1 Professional Advice Disclaimer

Nothing on this site constitutes financial, legal, or psychological advice. Always consult a qualified professional before acting on any information obtained here.

5.2 Earnings and Results Disclaimer

Examples of success, income, or client outcomes are illustrative only. Individual results depend on effort, timing, and personal circumstances.

If you have any questions about these policies, please contact:
Anchor & Oak Collective
📧 support@anchorandoak.co.za
📍 South Africa