seamanguide.info — Digital eBook Purchase

Effective Date: October 19, 2026

Welcome to seamanguide.info, created by Jeffry Simeon to help seafarers improve their financial knowledge, manage debt, build savings, and prepare for life beyond working at sea.

By purchasing or downloading our digital products, you agree to the following Terms & Conditions.

1. Our Digital Products

Our main product is ANCHOR BEFORE YOU SAIL, a financial education eBook designed for seafarers.

Your purchase includes:

• Main eBook: ANCHOR BEFORE YOU SAIL (PDF)
• Bonus 1: 7-Day Money Reset Checklist
• Bonus 2: Seafarer Budget Quick-Start Template
• Bonus 3: 7-Day Financial Quick-Start Plan

All products are delivered digitally. No physical books will be shipped.

2. Pricing and Payment

All prices are displayed on our website or checkout page in the applicable currency.

• Promotional prices may be offered for a limited period.
• The final purchase price will be shown before payment.
• Payments must be completed through our available payment methods.
• Any applicable taxes or payment processing charges will be disclosed at checkout where required.

We reserve the right to change product prices or promotions for future purchases without affecting completed orders.

3. Digital Product Delivery

After successful payment, your eBook and bonuses will be delivered through the download method or email instructions provided at checkout.

Please make sure your email address is correct.

If you do not receive your purchased files, contact us using the support details provided on our website.

We will make reasonable efforts to resolve verified delivery or file-access problems.

4. Refund and Cancellation Policy

Because our products are digital downloads, purchases are generally considered final once the files have been successfully delivered or made accessible, except where a refund or other remedy is required by applicable consumer protection law.

If you experience any of the following problems, please contact us:

• You were charged more than once for the same purchase.
• You received the wrong product.
• Your purchased files are missing, corrupted, or inaccessible.
• Your order was paid for but not delivered.

We will review your concern and provide an appropriate resolution, which may include replacement files, restored access, or a refund where applicable.

Nothing in this policy limits your rights under applicable law.

5. Personal Use and Copyright

All eBooks, worksheets, checklists, templates, and bonus materials are protected by applicable copyright laws.

Your purchase grants you a personal, non-exclusive, non-transferable license to use the materials for your own financial education.

You may:

• Download and read your purchased materials.
• Print worksheets for personal use.
• Complete the exercises for your own financial planning.

You may not, without written permission:

• Resell or redistribute the files.
• Upload them to public websites or file-sharing platforms.
• Share purchased copies with others.
• Claim the content as your own.
• Reproduce or commercially distribute the materials.

All rights not expressly granted remain with the copyright owner.

6. Financial Education & Mental Health Disclaimer

ANCHOR BEFORE YOU SAIL and its bonus materials are intended for general financial education and personal reflection only.

The content provides practical ideas about budgeting, savings, debt management, and financial preparation based on educational principles and personal experience.

The materials do not provide personalized financial, investment, legal, or tax advice.

We do not guarantee that purchasing or following the guide will result in specific savings, debt reduction, investment returns, or financial independence.

Every seafarer's financial situation is different. Results depend on personal circumstances, decisions, and consistent action.

For advice about your individual financial situation, consider consulting a qualified professional.

MENTAL HEALTH DISCLAIMER

This guide is for educational and personal development purposes only. It provides practical tips to help seafarers manage loneliness, stress, and emotional exhaustion.

It is not a substitute for professional medical advice, diagnosis, counseling, or treatment. Individual results may vary.

If you experience ongoing or severe emotional distress, please seek help from a qualified mental health professional or your ship's medical team. If you are in immediate danger, seek emergency assistance.

Remember: Asking for help is not a weakness. Your mental health matters, too.

7. Customer Responsibilities

By purchasing our products, you agree to:

• Provide accurate information during checkout.
• Use the materials legally and responsibly.
• Protect your personal download links and files.
• Make financial decisions based on your own circumstances.

You are responsible for evaluating whether the educational information is appropriate for your needs.

8. Privacy and Personal Information

We may collect information such as your name, email address, and purchase details to process orders, deliver digital products, provide customer support, and maintain transaction records.

Payment information may be handled by third-party payment providers.

Marketing emails will be sent only where permitted by applicable law and subject to any required consent. You may unsubscribe from marketing communications.

For further details about how personal information is collected, used, stored, and protected, please refer to our separate Privacy Policy.

9. Website and Product Availability

We aim to keep our website and digital products accessible.

However, temporary interruptions may occur due to maintenance, technical problems, or third-party service issues.

We may update or improve our digital products from time to time. Unless specifically stated at purchase, buying a product does not automatically include future editions or additional products.

10. Limitation of Liability

To the extent permitted by applicable law, seamanguide.info and its creator are not responsible for financial decisions, losses, or outcomes resulting from a reader's independent application of general educational content.

Nothing in these Terms & Conditions excludes or limits liability or consumer rights that cannot legally be excluded or limited.

11. Changes to These Terms

We may update these Terms & Conditions when necessary to reflect changes in our products, business practices, or legal requirements.

Updated terms will be published on our website with a revised effective date.

Changes will not retroactively remove rights that customers already have under applicable law.

12. Contact Information

For questions about purchases, digital delivery, product access, or these Terms & Conditions, please contact:

Business: seamanguide.info

Creator: Jeffry Simeon

Website: https://seamanguide.info

Customer Support Email: anchor@seamanguide.info

13. Governing Law

These Terms & Conditions are governed by applicable laws of the Republic of the Philippines, without limiting any mandatory consumer protection rights that may apply to customers in other jurisdictions.

Thank you for supporting seamanguide.info.

Our mission is to help seafarers turn every contract into an opportunity to build a more secure financial future.

Don't just count your contracts. Make every contract count.