1. Who we are

12 Minutes A Day is a small business content and resource platform operated by Louie Montan. Our website is 12minutesaday.com. We also operate at twelveminutesaday.com.

By using this site, subscribing to our content, purchasing a product, or signing up for our free challenge, you agree to these terms.

2. Using the site

This site is intended for small business owners, freelancers, solo operators, and anyone looking for practical help improving their business. You agree to use the site for lawful purposes only.

You may not:

• Copy, republish, or redistribute our content without permission
• Use our content in a way that misrepresents the source
• Attempt to access any part of the site you are not authorized to access
• Use the site to spam, scrape, or distribute unsolicited messages

We reserve the right to remove access for anyone who abuses the site or its content.

3. Free content and the 30-Day Challenge

Our free content — including the 30-Day Challenge, Daily Deposits, blog posts, and email updates — is provided as-is for informational and educational purposes. We make no guarantee that following any task or advice will produce a specific result for your business.

By signing up for the free 30-Day Challenge or subscribing to our free Substack, you agree to receive email communications from us. You can unsubscribe at any time using the link in any email we send.

4. Paid subscriptions

Our paid subscription is available through Substack. Subscription fees are billed monthly or annually depending on the plan you choose. By subscribing, you agree to Substack's billing and payment terms in addition to these terms.

Paid subscriptions give you access to subscriber-only posts, ongoing Daily Deposits, deeper content archives, and templates where available.

You may cancel your subscription at any time through your Substack account. Cancellation stops future billing. We do not offer prorated refunds for partial billing periods, but if you have a question or a problem, email us and we will work something out.

5. Books and digital products

Books sold through Amazon are subject to Amazon's own purchase and return policies. We do not handle those transactions directly.

Digital products purchased directly through this site or our platforms (workbooks, templates, resources) are delivered electronically. Because of the nature of digital products, all sales are final unless there is a technical problem preventing access. If you have a delivery issue, email us and we will fix it.

6. Your information

When you sign up for our free content, challenge, or paid subscription, you provide basic information such as your name and email address. Here is what we do with it:

• We use your email address to send you the content you signed up for
• We do not sell your information to anyone
• We do not share your information with third parties for advertising or marketing purposes
• We do not build profiles on you or track your behavior across other websites

Email delivery is handled through standard platforms (such as Substack and our email service provider). Those platforms have their own privacy practices, which we encourage you to review.

You can request that we delete your information or unsubscribe from communications at any time by emailing us at louie@12minutesaday.com.

7. Our content and intellectual property

All content on this site — including Daily Deposits, articles, worksheets, book content, video scripts, templates, and the 12 Minutes A Day name and brand — is owned by Louie Montan and 12 Minutes A Day.

You are welcome to use our content for your own personal business improvement. You may not reproduce, republish, resell, or distribute our content — in full or in part — without written permission.

Sharing a link to our content is always welcome.

8. Disclaimer

The content on this site is provided for informational and educational purposes. It is not professional legal, financial, accounting, or business advice. Every business is different, and results will vary.

We share practical tasks and ideas based on real small business experience, but we make no guarantee that using our content will produce a specific outcome for your business. Your results depend on your business, your market, your effort, and many other factors outside our control.

Use the content as a helpful resource, not as a substitute for qualified professional advice when you need it.

9. Limitation of liability

To the fullest extent permitted by law, 12 Minutes A Day and Louie Montan are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or our content.

This includes, but is not limited to, lost profits, lost business, or any business outcome that did not match your expectations.

10. External links

This site may include links to third-party websites, platforms, or resources — including Amazon, Substack, and others. We are not responsible for the content, privacy practices, or reliability of those external sites.

A link from our site is not an endorsement unless we explicitly say so.

11. Changes to these terms

We may update these terms from time to time. When we do, we will update the effective date at the top of this page. Continued use of the site after changes are posted means you accept the updated terms.

We will not make major changes without making them easy to understand.