Because these are digital products you get access to right away, all sales are final and I don't offer refunds once the files are delivered. If a file is damaged, won't open, or you didn't receive your download, email thecozybudgetshop@gmail.com within 14 days of purchase. I'll send a working copy, and if I can't fix it, I'll refund you.

When you buy from The Cozy Budget, you get a personal, non-transferable license to use the files for yourself and your household. You may print as many copies as you need for personal use. You may not resell, share, redistribute, or upload the files anywhere, or use them for commercial purposes. The planners are for organizing and educational purposes only. They aren't financial, legal, or tax advice. Questions: thecozybudgetshop@gmail.com

When you buy, your payment is processed securely by Stripe (through Payhip). I never see or store your full card number. I receive your name, email, and order details so I can deliver your files and help you if something goes wrong. I don't sell or share your information. After you buy, you may get occasional emails from me with tips and new planners. You can unsubscribe anytime with one click. To ask about or delete your information, email thecozybudgetshop@gmail.com.