Terms of Use
These Terms of Use ("Terms") govern access to and use of the websites, free educational materials, email courses, publications, and commercial offerings provided under the names BWGhostwriting and Letter of Challenge (together, the "Services"). Letter of Challenge is part of the BWGhostwriting business. The Services are operated by Bachtiar Widyantoro ("Operator," "we," "us," or "our"), based in Jakarta, Indonesia.
By accessing or using the Services, creating a subscription, submitting a form, or purchasing a paid offering, you ("you" or "User") agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Services.
1. Operator and contact
Legal operator: Bachtiar Widyantoro, trading as BWGhostwriting, including the Letter of Challenge brand. Primary public site for the free Challenge Newsletter course path: letterofchallenge.com.
Contact:
2. Description of the Services
The Services may include, without limitation:
- Informational websites and landing pages;
- Free educational email courses (including The Challenge Newsletter System and related Day 0 / confirmation messages);
- Ongoing free or paid email publications and practice challenges;
- Transfer of subscribers between platforms (for example, from Kit to Substack after a free course path);
- Paid ghostwriting, consulting, or related professional services under separate statements of work, invoices, or agreements;
- Digital assets, templates, prompts, and downloadable or linked materials (including Notion-hosted pages).
Free educational content is provided for informational and instructional purposes. It is not a substitute for personalized professional advice tailored to your business, legal, tax, or medical situation.
3. Eligibility
You represent that you are at least 18 years of age (or the age of majority in your jurisdiction) and have legal capacity to enter into these Terms. The Services are intended primarily for adults operating coaching or related professional practices.
4. Accounts, subscriptions, and communications
When you submit your email address (and, where requested, your name) to a form, you request to receive the corresponding sequence or list communications. Delivery is provided through third-party email platforms, currently including Kit for free course automation and, after the applicable free course path, Substack for publication-related email.
You agree to provide accurate information and to keep your contact details current. You may unsubscribe using links in emails or by contacting us. Operational or transactional messages related to a purchase or legal notice may still be sent where permitted by law.
Double opt-in, confirmation emails ("Day 0"), reCAPTCHA, and similar anti-abuse measures may apply. We may refuse, suspend, or remove subscriptions that appear fraudulent, abusive, or in violation of these Terms.
5. Free educational materials - no guarantees
Free courses and related materials teach methods, frameworks, and exercises (including Challenge Newsletter concepts). You retain full responsibility for how you apply the material to your business.
We do not guarantee, and nothing in the Services should be understood as a promise of:
- any number of subscribers, followers, or readers;
- any number of clients, discovery calls, bookings, or sales;
- any amount of revenue, income, or profit;
- any particular ranking, reach, or platform algorithm outcome;
- employment, licensing, or certification results.
Results depend on your effort, market, offer, skill, timing, and factors outside our control. Testimonials or examples, if any, are illustrative only and not typical results.
6. Paid services
Paid ghostwriting or other commercial services are governed by these Terms and by any written proposal, statement of work, order form, invoice, or contract between you and us (a "Service Agreement"). If a Service Agreement conflicts with these Terms on a commercial term (price, scope, delivery, refund), the Service Agreement controls for that engagement.
Fees are due as stated on the invoice or Service Agreement. Unless expressly stated otherwise in writing, fees are non-refundable once work has commenced. Late payment may pause delivery.
Payment processing may be handled by third-party processors. You authorize us and those processors to charge the payment method you provide for agreed amounts and applicable taxes.
7. Intellectual property
Subject to your rights in materials you lawfully own and provide to us, the Services (including site design, copy, course content, templates, frameworks, branding, logos, and software configuration) are owned by the Operator or licensors and are protected by intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access free materials for your personal or internal business learning. You may not resell, republish, sublicense, or commercially redistribute our course content, templates, or branding as a competing product without prior written consent.
For paid ghostwriting, ownership and license of deliverables are as set out in the Service Agreement. Absent a contrary written term, you receive a license or assignment only as expressly stated in that agreement.
Feedback you submit may be used by us to improve the Services without obligation to you, unless a separate written agreement says otherwise.
8. Acceptable use
You agree not to:
- use the Services for unlawful, harmful, harassing, or fraudulent purposes;
- attempt to gain unauthorized access to systems, lists, or accounts;
- interfere with security, reCAPTCHA, or anti-spam measures;
- scrape, harvest, or bulk-export subscriber data or site content without permission;
- misrepresent affiliation with BWGhostwriting or Letter of Challenge;
- upload malware or content that infringes third-party rights.
9. Third-party services
The Services rely on third parties, including Kit, Substack, hosting providers, analytics tools, Notion or similar asset hosts, and payment processors. Those services are subject to their own terms and privacy policies. We are not responsible for outages, policy changes, or acts of third parties beyond our reasonable control.
10. Privacy
Processing of personal information is described in our Privacy Policy, which is incorporated by reference. By using the Services, you consent to that processing to the extent required to deliver the Services and as permitted by law.
11. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components, or that content will meet your expectations or produce any particular business outcome.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE OPERATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO US FOR THE SPECIFIC PAID SERVICE GIVING RISE TO THE CLAIM DURING THE THREE (3) MONTHS BEFORE THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD 100) IF YOU ONLY USED FREE SERVICES.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.
13. Indemnity
You agree to indemnify and hold harmless the Operator from and against claims, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Services, your content, your violation of these Terms, or your violation of any third-party right, except to the extent caused by our willful misconduct.
14. Suspension and termination
We may suspend or terminate access to free or paid Services, in whole or in part, if you breach these Terms, if required by law, or if continued provision is impracticable. You may stop using free Services at any time and unsubscribe from emails. Provisions that by their nature should survive (including intellectual property, disclaimers, limitations, and indemnity) will survive termination.
15. Changes
We may modify the Services and these Terms from time to time. Updated Terms will be posted with a revised "Last updated" date. Material changes may be highlighted on the site or by email where appropriate. Continued use after changes become effective constitutes acceptance, except where mandatory law requires a different process.
16. Governing law and disputes
These Terms are governed by the laws of the Republic of Indonesia, without regard to conflict-of-law rules. Courts located in Jakarta, Indonesia shall have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Services, subject to any mandatory rights you may have as a consumer in your place of residence.
Before filing a formal claim, you agree to attempt good-faith resolution by contacting us at the emails above and allowing thirty (30) days for response.
17. Miscellaneous
- Entire agreement. These Terms, the Privacy Policy, and any applicable Service Agreement constitute the entire agreement regarding the Services, superseding prior oral or written terms on the same subject.
- Severability. If any provision is held unenforceable, the remaining provisions remain in effect.
- No waiver. Failure to enforce a provision is not a waiver of future enforcement.
- Assignment. You may not assign these Terms without our consent. We may assign them in connection with a business transfer.
- Language. These Terms are prepared in English. If translated, the English version controls unless mandatory law requires otherwise.
- Force majeure. We are not liable for delays or failures caused by events beyond reasonable control.
18. Contact
Questions about these Terms: hello@letterofchallenge.com or bach@bwghostwriting.com.