Terms of Service

Effective Date: 2025.06.16

Business Name: Study Buddy FM

Welcome to Study Buddy FM! By using our website and purchasing our digital products, you agree to be bound by the following Terms of Service. Please read them carefully.

1. Overview

Study Buddy FM sells digital products such as study guides, audio files, and other educational content. By accessing or purchasing from our site, you agree to comply with and be bound by these terms.

2. Digital Product Usage

All products are for personal use only and may not be redistributed, resold, or shared without written permission.

3. Payment

All payments are processed securely through trusted third-party processors (Payhip, Paystack, etc.). You must ensure that your payment information is accurate.

4. Delivery

After your payment is confirmed, you will receive immediate access to your digital product via a download link or email. If you do not receive your product within 15 minutes, please contact us at studybudfm@gmail.com.

5. Refunds & Cancellations

Due to the nature of digital products, all sales are final and non-refundable. Please read our full Refund Policy below.

6. Account Termination

We reserve the right to suspend or terminate your access if you violate any of our terms, including unauthorized redistribution of content.

7. Intellectual Property

All content on this website is the intellectual property of Study Buddy FM and is protected by copyright laws. Unauthorized use is strictly prohibited.

8. Modifications

We reserve the right to modify these terms at any time. Continued use of our site after changes means you accept those changes.

REFUND POLICY

Effective Date: 2025.06.16

Due to the nature of digital content, we do not offer refunds or exchanges once a product has been purchased and accessed.

Exceptions:

If you experience a technical issue preventing you from accessing the product.
If the product was not delivered or downloaded as described.

Please contact us at studybudfm@gmail.com within 7 days of purchase for support.

We encourage you to read all product descriptions carefully before purchasing. If you have any questions, feel free to reach out.

CANCELLATION POLICY

Effective Date: 2025.06.16

Since we sell instant-access digital products, cancellations are not possible once a purchase is completed.

If you believe a purchase was made in error or if you were charged incorrectly, please contact us immediately at studybudfm@gmail.com.

We are happy to assist with any genuine issues, but we cannot cancel or reverse purchases once digital access has been granted.

PRIVACY POLICY

Effective Date: 2025.06.16

Your Privacy Matters to Us

This Privacy Policy explains how Study Buddy FM collects, uses, and protects your information when you use our website.

1. Information We Collect

We may collect:

Name and email address (for delivering your purchase)
Payment details (handled securely through third-party processors)
Browsing behavior on our site (through analytics tools)

We do not store your credit card or PayPal information on our servers.

2. How We Use Your Information

We use your information to:

Deliver your digital products
Provide customer support
Send you updates about your purchases or new products (only with your permission)

3. Sharing of Data

We do not sell or rent your personal information to third parties.

We may share data with service providers like Payhip, Paystack, or Google Analytics to help us operate the website and deliver your content securely.

4. Cookies

Our website may use cookies to improve your browsing experience. You can disable cookies in your browser settings if you prefer.

5. Your Rights

You can request to access, edit, or delete your personal data by contacting us at studybudfm@gmail.com.

6. Security

We take reasonable steps to protect your data using secure platforms and encryption where applicable.

7. Changes to This Policy

We may update this Privacy Policy occasionally. Please check back regularly for updates.