License: Purchase includes a limited license for the buyer's personal educational use. Files may not be resold, redistributed, uploaded to shared libraries, copied for clients, or repackaged without written permission from Lindo Holdings Group LLC.

Educational use: Materials are for general educational and informational purposes. Not legal, tax, accounting, investment, credit-repair, or individualized lending advice.

No guarantees: Purchase does not guarantee a grant, loan, credit approval, limit amount, score change, interest rate, or other financial result. Decisions are made by third parties using their own current standards.

Digital delivery: Digital products only — nothing ships. Download access is provided after completed payment.

Refunds: All sales final after download/access, except where required by law or the file is defective. Contact admin@lindoholdingsllc.com promptly with any delivery issue.

Current information: Programs, lender terms, bureau practices, fees, and offers change. Verify current details with the provider before acting.