Terms and Conditions

Effective Date: 11th September 2025

Welcome to Harmonia Printables on Payhip. By accessing and purchasing digital products from my store, you agree to the following terms:

1. Use of Products

• All digital products are for personal use only.
• You may not resell, redistribute, share, or commercially use any product from this store.

2. Digital Products

• Products are delivered digitally and no physical items are shipped.
• Ensure you have compatible software before purchasing. File formats are listed on each product page.

3. Payments

• Payments are securely processed through Payhip and their approved providers.
• Prices are listed in USD and may be subject to VAT or other taxes depending on your location.

4. Intellectual Property

• All content is protected by copyright and remains the property of Harmonia Printables.
• Unauthorized use is prohibited and may result in legal action.

5. Refunds

• Due to the nature of digital downloads, all sales are final.
• No refunds, returns, or exchanges are offered once a download has been initiated.

6. Affiliates

• Some links may be affiliate links, and I may earn a small commission at no extra cost to you.

7. Limitation of Liability

• I are not liable for any damages arising from the use or inability to use any digital product.

8. Governing Law

• These terms are governed by the laws of the United Kingdom.

Privacy Policy

Effective Date: 11th September 2025

Harmonia Printables respects your privacy. This policy explains how I handle your personal information in compliance with the UK GDPR.

1. Information I Collect

I collect:

• Name and email address (provided by you via Payhip)
• Technical data like browser type and IP address (via Google Analytics)

2. How I Use Your Data

I use your information to:

• Fulfill your orders
• Respond to inquiries
• Improve website performance (via analytics)
• Comply with legal obligations

3. Data Sharing

I share your data with:

• Payhip, for payment processing and digital delivery
• Google Analytics, to monitor website usage

These third parties process your data under their own privacy policies.

4. Your Rights

You have the right to:

• Access, correct, or delete your personal data
• Object to processing
• File a complaint with the Information Commissioner's Office (ICO)

5. Data Retention

I retain your data only as long as needed for business or legal purposes.

6. Security

I take reasonable measures to secure your data, though no system is 100% secure.

7. Contact

If you have questions, contact me at: jem@harmoniadesigns.com

Cookie Policy

Effective Date: 11th September 2025. This Cookie Policy explains how Harmonia Printables uses cookies and similar technologies when you visit my Payhip store.

1. What Are Cookies?

Cookies are small text files stored on your device to help websites function and track usage.

2. How I Use Cookies

I use cookies to:

• Analyze website traffic via Google Analytics
• Improve user experience

3. Types of Cookies I Use

• Essential cookies – required for core site functionality
• Analytics cookies – track user behavior (via Google Analytics)

4. Third-Party Cookies

Third parties like Google may place cookies for analytics and advertising purposes. You can manage these through your browser settings.

5. Your Consent

By using my site, you consent to the use of cookies. You can disable them in your browser settings, but some features may not work properly.

6. Contact

For questions about our cookie use, contact me at jem@harmoniadesigns.com.

Disclaimers

Effective Date: 11th September 2025

The content and digital products offered by Harmonia Printables are provided for personal and informational purposes only. By using this site, you acknowledge the following:

1. No Professional Advice

• My templates, guides, and resources do not constitute legal, financial, or professional advice.
• Always consult a qualified professional for specific advice related to your circumstances.

2. Accuracy of Information

• I strive for accuracy, but I make no warranties that the information or digital content is error-free, current, or complete.

3. Affiliate Disclosure

• Some links on this site may be affiliate links. I may earn a commission if you click or make a purchase, at no additional cost to you.

4. Limitation of Liability

• I am not responsible for any damages or losses resulting from the use or misuse of any digital product or information on this site.

Refund Policy

Effective Date: 11th September 2025

Due to the nature of digital products, Harmonia Printables maintains a strict no refund policy.

1. Digital Products

• All sales are final once the download link has been provided or accessed.
• No returns, refunds, or exchanges will be issued for any reason, including:
• Incorrect purchases
• Incompatibility with software
• Change of mind

2. EU Customers

In compliance with EU law, you acknowledge that you lose your right to withdraw once the download begins, as required by the UK/EU Consumer Rights Directive.

3. Download Issues

If you experience technical problems accessing your files, contact me at support@harmoniadesigns.com and I will assist you promptly.