Terms & Privacy

BY VISITING savvyshopkeeper.com or shopkeepersacademy.com YOU ARE CONSENTING TO OUR TERMS & CONDITIONS.

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the Website, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Savvy Shopkeeper, acceptance is expressly limited to these terms.

The terms “we”, “us”, “our” and “Savvy Shopkeeper” refers to Savvy Shopkeeper, LLC. The term “Site” or “Website” refers to savvyshopkeeper.com or shopkeepersacademy.com. The term “user,” “you” and “your” refer to site visitors, customers, and any other users of the site.

Savvyshopkeeper.com and shopkeepersacademy.com provides a website where users can read articles, listen to podcast episodes, sign up for the Savvy Shopkeeper Newsletter and get downloadable resources. Savvyshopkeeper.com and shopkeepersacademy.com is also a service where users may purchase products, subscriptions, downloadable resources, retreat tickets,  in-person or virtual workshop tickets, and courses related to owning or managing an independent retail business.

Use of savvyshopkeeper.com or shopkeepersacademy.com, including all materials presented herein and all online services provided by Savvy Shopkeeper, LLC is subject to the following Terms and Conditions. These Terms and Conditions apply to all site visitors, customers, and all other users of the site. By using the Site or Service and/or ordering a product from the Site, you agree to these Terms and Conditions, without modification, and acknowledge reading them.

The following terms and conditions govern all use of the savvyshopkeeper.com or shopkeepersacademy.com website and all content, services, and products available at or through the website (taken together, the Website). The Website is owned and operated by Savvy Shopkeeper, LLC (“Savvy Shopkeeper”). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Savvy Shopkeeper’s Privacy Policy), and procedures that may be published from time to time on this Site by Savvy Shopkeeper (collectively, the “Agreement”). Terms of Service updated 3/3/2022.

We may at any time amend these Terms and Conditions. Such amendments are effective immediately upon notice to you by us posting the new Terms and Conditions on this Site. Any use of the Site or Service by you after being notified means you accept these amendments. We reserve the right to update any portion of our Site and Service, including these Terms and Conditions at any time. We will post the most recent versions to the Site and list the effective dates on the pages of our Terms and Conditions.

We reserve the right to withdraw or amend this Website and any service or material we provide on the Website in our sole discretion without notice. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. 

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website and any resources downloaded from the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

We will email you to confirm the placement of your order and with details and product or service delivery. In the event that there is an error in this email confirmation, it is your responsibility to inform us as soon as possible. Please do so by reaching out to kathy@savvyshopkeeper.com.

If you’ve signed up for a recurring group subscription with us, subscriptions renew automatically and your credit card will be charged the fees stated at the time of purchase. Price may change at the end of your subscription period, however you will be notified if this happens. Your subscription and access to any content will start as soon as your credit card is successfully charged.


All sales are final.  

If you’d like to cancel your Master Shopkeepers subscription, you may do so by completing the cancellation form in “The Lab” in the Shopkeeper’s Academy. MSK is an annual membership and if you’d like to cancel prior to renewing for another year, please do so before your next payment for the new annual period is due.

Completing the cancellation form allows us to cancel your payment and begin the offboarding process, which includes group removal and revoking access to the program in the Shopkeeper’s Academy.

Policy for Failed Credit Cards and Payment Obligation

  1. Payment Obligations: As a Master Shopkeepers member, you have a subscription payment obligation to fulfill. With the exception of founding members and some other long-term members, MSK is an annual membership. Many members have opted to pay monthly, however this is a 12-month commitment.
  2. Failed Credit Card Payment: In the instance where your credit card payment fails, please use this link to access your customer portal with Stripe: https://billing.stripe.com/p/login/6oE4jYalEh1BeZicMM – For founding and long-time members who originally used PayPal or Wave invoicing to pay, please send us an email at kathy@savvyshopkeeper.com
  3. Rectifying Failed Payment: You can rectify the failed payment by updating your credit card details or by making payment arrangements with us. If you face any difficulties in rectifying the failed payment, please contact us for assistance.
  4. Late Payment Fee: If your payment obligation remains unfulfilled beyond 30 days, we reserve the right to charge a late payment fee of $50. The late payment fee is to cover the additional administrative costs incurred due to late payment.
  5. Suspension of Services: We reserve the right to suspend access to your membership (Facebook Group and Shopkeeper’s Academy) at anytime once a payment is past due.
  6. Balance Due: Failure to update your credit card information or suspension from your membership does not terminate your payment obligation. An invoice will be sent to you for the balance due if you have an annual membership where payment hasn’t been fulfilled.
  7. Communication: We encourage open and transparent communication. If you are facing any financial difficulties, please contact us to discuss possible solutions that can help you fulfill your payment obligation.
  8. Non-Disclosure: We understand that financial matters are sensitive, and we assure you that any information you provide to us will be kept confidential and will not be disclosed to anyone beyond the Savvy Shopkeeper Team.

I appreciate your commitment to fulfilling your payment obligations. If you have any questions or concerns about this policy, please feel free to contact us at kathy@savvyshopkeeper.com

You may use the Site and Service for lawful purposes only. Your account must not be used for any illegal or unauthorized purpose. You must not, in the use of the Service, violate any laws in your jurisdiction.

All content provided on the Site and in the Service, including all products and all online class and workshop materials are the intellectual property of Savvy Shopkeeper. The content of the Site and Service are protected by United States trademark, trade dress and copyright law. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce or perform, or in any way exploit in any format whatsoever any of the content of the Site or the Service, in whole or in part without our prior written consent. You may not remove any trademark, copyright, or other notice from the content of the Site or the Service.

We reserve the right to immediately remove you from the Service, without refund, and to pursue all available legal remedies against you if you are caught violating this intellectual property policy. Copying or distributing any content on this Site is expressly prohibited without prior written permission of Savvy Shopkeeper, LLC. For permission to use the content, please contact kathy@savvyshopkeeper.com. 

As set forth more fully in the Disclaimer, the information contained on this Website and the resources available for download through this Website are for educational and informational purposes only. ​ The information contained on this Website and the resources available for download through this Website is not intended as, and shall not be understood or construed as legal, financial, tax, medical, health, or any other professional advice. By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any actions or implementing any plans or policies suggested or recommended on this Website.

Savvy Shopkeeper reserves the right to refuse service to any order, person or entity without obligation to assign reason for doing so. Savvy Shopkeeper reserves the right to limit the number of participants in any given online class or workshop. Savvy Shopkeeper may at any time change or discontinue any aspect or feature of the Site or Service.

We endeavor to describe and display the Service as accurately as possible. While we try to be as clear as possible in explaining the Service, please do not accept that the Site is entirely accurate, current, or error-free. From time to time we may correct errors in pricing and descriptions. We reserve the right to refuse or cancel any order with an incorrect price listing.

Visiting the Website or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the Website, satisfy any legal requirement that such communications be in writing. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. As set forth more fully in our Privacy Policy, we will take reasonable steps to ensure that any communications remain confidential.

Savvy Shopkeeper may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your savvyshopkeeper.com or shopkeepersacademy.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Savvy Shopkeeper if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Savvy Shopkeeper’s notice to you thereof; provided that, Savvy Shopkeeper can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

The Website is provided “as is”. Savvy Shopkeeper and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Savvy Shopkeeper nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.

You agree to indemnify and hold harmless Savvy Shopkeeper, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.

You shall not upload, post or otherwise make available on the Site any artwork, photos or other materials (collectively “Materials”) protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right. The burden of determining that any Materials are not so protected rests entirely with you. You shall be liable for any damage resulting from any infringement of copyrights, trademarks, or other proprietary rights, or any other harm resulting from such a submission and shall indemnify Savvy Shopkeeper from any claim against Savvy Shopkeeper resulting from your posting of Materials to the Site. For all Materials submitted by you to the Site, you automatically represent or warrant that you have the authority to use and distribute the Materials, and that the use or display of the Materials will not violate any laws, rules, regulations or rights of third parties.

By posting, uploading, inputting, providing, or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

No compensation will be paid with respect to the use of your Submission, as provided herein. The Company is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in the Company’s sole discretion.

Savvy Shopkeeper reserves the right to remove from the Site any Materials submitted by you that it deems inappropriate for the Site or that appears to violate these terms and conditions.

The Site and the Service contain links to third-party websites and resources. You acknowledge and agree that we are not responsible or liable for the availability, accuracy, content or policies of third party websites or resources. The Company is providing these links to you only as a convenience, and the inclusion of any links to such websites or resources do not imply any endorsement by or affiliation with Savvy Shopkeeper. You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources. 

Please note that some of the links on this Site are affiliate links or referral codes, and at no additional cost to you, I will earn a commission if you decide to make a purchase after clicking through the link or using the code. I make recommendations because I believe they are useful to shopkeepers.  Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

The Savvy Support Fund is a donation-based fund founded in 2018 that provides educational scholarships to shopkeepers in our membership groups. When announced, members can apply for these opportunities within our membership groups. The Fund is financed by generous donations and a percentage of sales from the Savvy Shopkeeper Swag shop, Savvy Shopkeeper, LLC founder, Kathy Cruz, also donates a percentage of revenue from group membership subscriptions. Visit the Savvy Support Fund page for more information.

Your use of the Website is also subject to the Company’s Privacy Policy. Please review our Privacy Policy, which also governs the Website and informs users of our data collection practices. Your agreement to the Privacy Policy is hereby incorporated into these Terms of Use.

Savvy Shopkeeper, LLC (“Savvy Shopkeeper“) operates savvyshopkeeper.com and may operate other websites. It is Savvy Shopkeeper’s policy to respect your privacy regarding any information we may collect while operating our websites.

Although most changes are likely to be minor, Savvy Shopkeeper may change its Privacy Policy from time to time, and in Savvy Shopkeeper’s sole discretion. Savvy Shopkeeper encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a savvyshopkeeper.com or shopkeepersacademy.com account, you might also receive an alert informing you of these changes. Your continued use of this Site after any change in this Privacy Policy will constitute your acceptance of such change.

Like most website operators, Savvy Shopkeeper collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Savvy Shopkeeper’s purpose in collecting non-personally identifying information is to better understand how Savvy Shopkeeper’s visitors use its website. From time to time, Savvy Shopkeeper may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Savvy Shopkeeper also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on savvyshopkeeper.com blogs/sites. Savvy Shopkeeper only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Certain visitors to Savvy Shopkeeper’s websites choose to interact with Savvy Shopkeeper in ways that require Savvy Shopkeeper to gather personally-identifying information. The amount and type of information that Savvy Shopkeeper gathers depends on the nature of the interaction. For example, we ask visitors who sign up at savvyshopkeeper.com to provide a username and email address. Those who engage in transactions with Savvy Shopkeeper are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Savvy Shopkeeper collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Savvy Shopkeeper. Savvy Shopkeeper does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Savvy Shopkeeper discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Savvy Shopkeeper’s behalf or to provide services available at Savvy Shopkeeper’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Savvy Shopkeeper’s websites, you consent to the transfer of such information to them. Savvy Shopkeeper will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Savvy Shopkeeper discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Savvy Shopkeeper believes in good faith that disclosure is reasonably necessary to protect the property or rights of Savvy Shopkeeper, third parties or the public at large. If you are a registered user of a Savvy Shopkeeper website and have supplied your email address, Savvy Shopkeeper may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Savvy Shopkeeper and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Savvy Shopkeeper takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Savvy Shopkeeper may collect statistics about the behavior of visitors to its websites. Savvy Shopkeeper may display this information publicly or provide it to others. However, Savvy Shopkeeper does not disclose personally-identifying information other than as described below.

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Savvy Shopkeeper uses cookies to help Savvy Shopkeeper identify and track visitors, their usage of Savvy Shopkeeper website, and their website access preferences. Savvy Shopkeeper visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Savvy Shopkeeper’s websites, with the drawback that certain features of Savvy Shopkeeper’s websites may not function properly without the aid of cookies.

If Savvy Shopkeeper, or substantially all of its assets, were acquired, or in the unlikely event that Savvy Shopkeeper goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Savvy Shopkeeper may continue to use your personal information as set forth in this policy.ADS
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Savvy Shopkeeper and does not cover the use of cookies by any advertisers.