Last updated: September 25, 2026

All digital products are delivered instantly as downloadable files. Because digital files cannot be returned and we cannot verify that a downloaded file is no longer in use, all sales are final once the product has been downloaded. This is standard practice for digital goods.

EU/UK consumers: By purchasing and downloading, you consent to immediate delivery and acknowledge that you waive the statutory 14-day right of withdrawal that applies to digital content before download begins.

Before you buy: Read the full product description, check you have the required software (e.g., Microsoft Excel or Word), and ask us anything first at info.calproglobal@gmail.com.

If something is wrong: If your file is faulty, corrupted, or not as described, email us at info.calproglobal@gmail.com.

Free resources: Free downloads require no payment. Having trouble downloading? Email us.

Consulting: Refund terms for consulting are governed by the individual engagement agreement.