Effective Date: October 27, 2026

The READY Series consists of digital products delivered electronically. Because digital products cannot be physically returned once delivered, all sales are generally final once a purchased digital file has been accessed or downloaded, subject to applicable law and the exceptions described below.

Digital Product Delivery

A digital product is considered delivered when the purchaser is provided access to the purchased file through the download or delivery method associated with the order.

Once a READY Series PDF or other digital product has been successfully accessed or downloaded, it is generally not eligible for a refund based solely on a change of mind, failure to use the product, or dissatisfaction with information that was accurately described before purchase.

Download & Access Issues

Customers experiencing difficulty accessing, opening, or downloading a purchased product should contact us for assistance.

A refund will not ordinarily be issued solely because of an issue outside our reasonable control, including, but not limited to:

• Internet, Wi-Fi, or network connectivity problems;
• Browser, computer, phone, tablet, or other device compatibility issues;
• Outdated or incompatible PDF readers, browsers, operating systems, or other software;
• Insufficient storage space on the purchaser's device;
• Device security settings, antivirus software, firewalls, pop-up blockers, or other settings that interfere with downloading or opening a file;
• A downloaded file being misplaced, moved, deleted, or otherwise lost from the purchaser's device;
• The purchaser being unable to locate the device's Downloads folder or other download location;
• Loss of access to the email account used to make the purchase;
• An incorrect email address supplied by the purchaser during checkout;
• Purchase or delivery emails being filtered into spam, junk, promotional, or other email folders;
• The purchaser exceeding an applicable download limit;
• Attempting to use an expired or previously exhausted download link;
• Closing a browser, losing connectivity, or otherwise interrupting a download before it has completed;
• Attempting to access the product from an unsupported or restricted device, network, workplace, school, or other environment; or
• Similar technical circumstances outside our reasonable control.

When reasonably possible, we will attempt to assist the purchaser in resolving a legitimate access or delivery problem.

Duplicate Purchases, Incorrect Files & Technical Problems

A refund or other appropriate remedy may be considered on a case-by-case basis when:

• The same product was accidentally purchased more than once;
• The purchaser was provided a product different from the product ordered;
• A file supplied by us is corrupted, incomplete, or otherwise unusable and we are unable to provide a working replacement;
• A verified technical problem with our delivery process prevents access to the purchased product and cannot reasonably be corrected; or
• A refund or other remedy is required by applicable law.

When a delivery or file problem can reasonably be corrected by providing renewed access, troubleshooting assistance, or a replacement copy of the purchased product, we reserve the right to attempt to correct the problem before considering a monetary refund.

Submitting a refund request does not guarantee approval.

Successfully Downloaded Products

A purchaser who has successfully accessed or downloaded a digital product generally will not receive a refund merely because the purchaser later decides that the product is no longer wanted or needed.

Claims that a file was accidentally downloaded, was not read, was not used, was subsequently deleted, cannot later be located, or is no longer needed do not ordinarily make an otherwise successfully delivered digital product eligible for a refund.

Product Expectations

Customers are responsible for reviewing the product title, description, available preview information, and other information provided before completing a purchase.

A refund will not ordinarily be provided because a purchaser:

• Expected information, services, forms, templates, or other materials that were not represented as being included;
• Did not achieve a particular real estate, rental, mortgage, financing, credit, purchasing, selling, or other outcome;
• Decided not to rent, buy, or sell real estate after purchasing a guide;
• Obtained the same or similar information from another source;
• No longer needs the product; or
• Did not review the product description or available information before purchasing.

The READY Series provides general educational and informational material and does not guarantee approval for a rental, mortgage, financing, property purchase, property sale, housing program, credit result, or any other particular outcome.

Credits, Replacements & Coupons

When a monetary refund is not appropriate, we may, at our discretion, offer troubleshooting assistance, renewed download access, a replacement file or product, store credit, or a discount coupon as a customer-service accommodation.

Providing a credit, replacement, coupon, renewed access, or other accommodation does not constitute an admission of fault and does not create an entitlement to the same or similar accommodation for another purchase.

Unauthorized Sharing or Distribution

Purchasing a READY Series digital product does not transfer ownership of the underlying content or grant permission to reproduce, resell, redistribute, publicly post, upload, share, or otherwise provide the materials to others except as permitted by the applicable Terms of Use or applicable law.

A refund will not be provided for the purpose of purchasing, downloading, copying, retaining, distributing, or otherwise obtaining the product and subsequently attempting to reverse the purchase.

Refund Requests

Customers requesting assistance or consideration of a refund should provide sufficient information to identify and review the transaction, which may include the purchaser's name, email address used for the purchase, order information, product purchased, and a description of the issue.

We may request reasonable additional information necessary to investigate a reported technical, file, or delivery problem.

Relationship to Terms of Use

Purchases and use of READY Series materials are also subject to the separately posted Terms of Use.

This Refund Policy governs requests involving refunds, credits, replacements, and digital-product delivery or download issues. If there is any inconsistency between this Refund Policy and the Terms of Use concerning those matters, this Refund Policy will control to the extent permitted by applicable law.

Questions concerning ownership, licensing, permitted use, copying, reproduction, sharing, resale, redistribution, or other use of READY Series materials are governed primarily by the Terms of Use.

Applicable Consumer Rights

Nothing in this Refund Policy is intended to restrict, exclude, or waive any consumer right, remedy, or protection that cannot legally be restricted, excluded, or waived under applicable law.