Banking 101: Checking, Savings, and Smarter Accounts
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Digital Planner (PDF Format)
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You are purchasing access to a digital educational resource.
The product is delivered electronically, not physically.
Once access is granted or the file is delivered, the transaction is deemed fulfilled.
Because digital goods cannot be "returned" after access or delivery, all purchase decisions must be made carefully before checkout.
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You have the legal capacity to enter into binding agreements.
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You are not purchasing on behalf of another person in a fraudulent, unauthorized, or deceptive manner.
You are not purchasing for the purpose of copying, redistributing, exploiting, reverse engineering, or otherwise unlawfully benefiting from the Company's content.
If the Company determines that a purchase was made fraudulently, by an unauthorized person, or in violation of these terms, the Company reserves the right to deny access, revoke access, cancel future transactions, and pursue any available legal remedies.
The Company strives to provide accurate product titles, descriptions, summaries, and promotional materials. However, you acknowledge that it is your responsibility to review all available product information prior to purchasing.
Before completing your purchase, you are responsible for:
Reading the product title and description in full.
Understanding that the product is digital and not physical.
Confirming that the format provided, such as PDF, is usable on your device.
Reviewing any disclosures regarding intended audience, educational scope, or product purpose.
Ensuring your email address and contact information are accurate.
Understanding that the purchase does not include individualized coaching, legal advice, financial advisory services, or one-on-one consultation unless explicitly stated.
A purchase may not be reversed simply because a customer later determines the content is not what they expected, they did not read the product page carefully, or they assumed features, deliverables, or services were included when they were not expressly offered.
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The Company is not responsible for delivery issues resulting from:
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The Company may, but is not obligated to, re-send product access where proof of valid purchase is provided.
Due to the digital and immediately accessible nature of e-books and downloadable products, all sales are final. No refunds, returns, exchanges, substitutions, credits, or cancellations will be provided once a purchase has been completed.
This policy applies in all cases, including but not limited to:
Change of mind
Purchase by mistake
Failure to read the description
Dissatisfaction with style, wording, design, or presentation
Belief that the product is too basic or too advanced
Customer expectation mismatch
Technical limitations on the customer's device
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Duplicate purchases made by the customer
Customer deciding they no longer need the product
Financial hardship or budgeting concerns after purchase
Failure to achieve desired personal, business, or financial results
Accidental checkout
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You understand and agree that because digital products are instantly consumable and reproducible, any attempt to request a refund after delivery places the Company at an unfair disadvantage and is contrary to the terms of sale.
By completing your purchase, you expressly waive any claim to a refund on the basis that the product is digital, educational, and delivered as described.
Your purchase grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the digital product strictly for your own personal, individual, non-commercial use.
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You are permitted to download the purchased file to your personal device.
You may view and use the product for your own learning, education, and internal personal use.
You may print a copy for your own personal reference only, unless otherwise prohibited in the product listing.
Your purchase does not transfer ownership of the content.
Your purchase does not grant you the right to distribute, teach, republish, or commercialize the material.
The Company retains all ownership rights, title, and interest in and to the content at all times.
All Fine Finances University digital products, including but not limited to e-books, text, wording, titles, concepts, modules, frameworks, worksheets, templates, visual presentation, design elements, graphics, branding, arrangement, and structure, are and shall remain the exclusive intellectual property of Fine Finances University and/or Nya Gordon unless otherwise stated.
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Unauthorized copying, adaptation, reproduction, distribution, public display, sale, or derivative use of any portion of the Company's content may result in legal enforcement.
