Terms of service
TERMS OF SERVICE
OVERVIEW
This website is operated by Money Kindly. Throughout the site, the terms “we,” “us,” and “our” refer to Money Kindly. By visiting our website and/or purchasing a product from us, you agree to these Terms of Service.
Please read these Terms carefully before using the website or purchasing our products. If you do not agree to these Terms, you should not use the website or purchase our products.
1. DIGITAL PRODUCTS
Money Kindly provides digital products, including downloadable workbooks, templates, guides, and other money-organization tools. No physical product will be shipped unless explicitly stated otherwise on a product page.
Digital products are intended for personal use only. Purchasing a product gives you a limited, non-exclusive, non-transferable right to use the product for your own personal purposes.
2. INTELLECTUAL PROPERTY AND PERMITTED USE
All digital products, designs, text, worksheets, graphics, branding, and other original content provided by Money Kindly are protected by applicable intellectual property laws.
You may download and use purchased products for your personal use. You may not reproduce, resell, redistribute, share, sublicense, publish, upload, modify for resale, or otherwise commercially exploit our products or make them available to others without our prior written permission.
3. ORDERS AND PAYMENT
Prices are displayed at checkout and may be changed at any time before a purchase is completed. By placing an order, you agree to provide current, complete, and accurate purchase and account information.
We reserve the right to refuse or cancel an order where reasonably necessary, including in cases of suspected fraud, unauthorized transactions, pricing or technical errors, or misuse of our products or website. If we cancel an order after payment has been collected and no valid basis exists to retain the payment, the applicable amount will be refunded.
4. DIGITAL DELIVERY
Purchased digital products are normally made available electronically after successful payment. Delivery may be provided through a download link, email, customer account, or another electronic method made available at checkout.
If you experience difficulty accessing a purchased product, please contact us so that we can assist you.
5. REFUNDS
Because our products are digital and cannot be physically returned, purchases are generally non-refundable once the digital product has been delivered, accessed, or downloaded.
Refunds and other remedies are subject to our Return and Refund Policy and any mandatory rights available to you under applicable consumer protection laws.
6. EDUCATIONAL PURPOSES — NOT FINANCIAL ADVICE
Money Kindly products and website content are provided for general educational and informational purposes and are designed to help users organize and understand their personal finances.
Nothing provided by Money Kindly constitutes individualized financial, investment, tax, accounting, or legal advice. Our products do not guarantee any particular financial outcome, savings amount, investment result, or improvement in financial circumstances.
You remain responsible for your own financial decisions and should seek advice from an appropriately qualified professional when necessary.
7. ACCURACY AND AVAILABILITY
We aim to provide accurate and useful information, but we do not guarantee that all website content will always be complete, current, error-free, or suitable for every individual circumstance.
We may update, modify, discontinue, or improve our website or digital products from time to time, subject to any rights customers have regarding products already purchased.
8. PROHIBITED USE
You may not use our website or products for unlawful purposes; infringe our intellectual property rights or the rights of others; distribute malicious software; attempt to interfere with the security or operation of the website; or copy, distribute, or commercially exploit our digital products without authorization.
9. THIRD-PARTY SERVICES
Our website may rely on or contain links to third-party services, including payment, ecommerce, email, or digital-delivery providers. Your use of third-party services may also be subject to their respective terms and privacy practices.
10. PRIVACY
Your personal information is handled in accordance with our Privacy Policy.
11. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Money Kindly will not be liable for indirect, incidental, special, or consequential losses arising from the use of our website or digital products.
Nothing in these Terms excludes or limits liability or consumer rights that cannot lawfully be excluded or limited.
12. CHANGES TO THESE TERMS
We may update these Terms from time to time. The version published on this website will be the current version. Changes will not limit rights that have already arisen under applicable law.
13. GOVERNING LAW
These Terms are governed by the laws applicable to Money Kindly's business, subject to any mandatory consumer protection rights that apply based on the customer's location.
14. CONTACT
Questions about these Terms of Service or your purchase can be submitted through the contact information provided on our website.