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By purchasing from this store, you agree: 1) Products: digital information products (PDF guides, checklists, templates) delivered by instant download through Payhip; product pages describe contents, format, and page count. 2) License: single-user license for your own personal (or your own business's internal) use; you may not resell, redistribute, share publicly, or claim authorship of the files. 3) Payment & delivery: payment is processed by Stripe or PayPal through Payhip; download access is provided immediately after successful payment and by email receipt. 4) Information only: all products are general information and practical tools — not medical advice or diagnosis, legal advice, or individualized financial advice — and are not a substitute for a qualified professional. 5) Accuracy: we research each guide at publication and update or retire guides when topics change materially; we do not guarantee information remains current indefinitely or that any specific outcome will result. 6) Refunds: purchases are covered by the store Refund Policy, which forms part of these terms. 7) Changes: we may update these terms; the version in effect at your purchase applies to that purchase.