Credit 101: Understand, Build, and Protect Your Score

You may not, under any circumstances, do any of the following without prior written consent from the Company:

• Share the file with friends, family, peers, classmates, coworkers, clients, or team members

• Forward the e-book by email, text, cloud link, or direct download

• Upload the product to Google Drive, Dropbox, shared folders, team drives, course portals, learning systems, membership sites, forums, social groups, or social media

• Post screenshots or substantial excerpts publicly

• Resell, repackage, copy, clone, white-label, or redistribute the product

• Translate, edit, modify, or adapt the content for resale or public use

• Claim the content, framework, structure, or wording as your own

• Use the content to create a competing product

• Incorporate any substantial portion into your own training, course, coaching, workshop, presentation, workbook, planner, or e-book

• Use the Company's branding, design, product flow, or protected intellectual concepts in a way that creates confusion or unfairly benefits you

Any use outside the limited personal-use license is strictly prohibited and constitutes a material breach of this Agreement.

• Digital Planner (PDF Format)

• Instant Download Access After Purchase

• Lifetime Access for Personal Use

All Fine Finances University e-books and digital products are digital, intangible, non-tangible, downloadable, and irrevocable goods. This means that once a digital file, product link, portal access, or download opportunity has been delivered, the product cannot be physically returned in the same way as a tangible good.

By purchasing a Fine Finances University digital product, you understand and agree that:

• 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.

• You are responsible for reviewing the product description, intended use, compatibility, and scope of the item before completing your purchase.

The Company makes reasonable efforts to accurately describe each product, including the purpose, format, and general subject matter of the e-book or resource. It is your responsibility to ensure the product aligns with your needs before purchase.

By purchasing from Fine Finances University, you represent and warrant that:

• You are at least eighteen (18) years of age, or the age of majority in your jurisdiction, whichever is higher.

• You have the legal capacity to enter into binding agreements.

• You are using accurate and truthful billing, payment, and contact information.

• You are authorized to use the payment method submitted at checkout.

• 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.

All payments must be made in full before access to any digital product is granted.

You agree to the following payment terms:

• Full payment is required at the time of purchase.

• No digital product will be delivered until payment has been successfully processed.

• Prices are listed in the currency displayed at checkout.

• Prices may be changed, increased, decreased, or withdrawn at any time without prior notice.

• Promotional pricing, coupon codes, launch discounts, or limited-time offers apply only during the stated promotional period and may not be applied retroactively.

• The Company reserves the right to correct pricing errors, typographical errors, listing errors, or technical errors at any time.

• If a payment is declined, reversed, disputed, flagged for fraud, or otherwise not successfully completed, the Company may withhold, suspend, or revoke access to the digital product.

You are responsible for any fees charged by your financial institution, card issuer, payment processor, or platform in connection with your purchase.

Upon successful completion of payment, the Company will make reasonable efforts to deliver your purchased digital product promptly through one or more of the following methods:

• A direct download page after checkout

• A digital delivery email

• A product access link

• A customer portal or account dashboard

• A third-party delivery platform

You understand and agree that delivery is considered complete when the Company or its authorized platform has successfully transmitted the product, access instructions, or download link to the email address or delivery destination you provided.

The Company is not responsible for delivery issues resulting from:

• An incorrect or misspelled email address entered by the customer

• Failure to check spam, junk, promotions, or filtered folders

• Firewall restrictions, server limitations, or email blocking

• Customer device limitations

• Customer failure to save, download, or access the file in a timely manner

• Problems caused by third-party software, apps, cloud systems, or user settings beyond the Company's control

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

• Customer inability to open, locate, or use a PDF file

• 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

• Failure to download the product after delivery

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.

This means:

• 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.

This content is protected by:

• United States copyright law

• Trademark law where applicable

• Common law intellectual property protections

• International copyright conventions and treaties

• Unfair competition and misappropriation laws where applicable

Nothing in this Agreement shall be interpreted as assigning, transferring, or licensing any ownership rights in the intellectual property beyond the narrow personal-use license expressly granted.

Unauthorized copying, adaptation, reproduction, distribution, public display, sale, or derivative use of any portion of the Company's content may result in legal enforcement.