Terms & Conditions Last Updated: 31-12-2025 By accessing this website and purchasing our digital products (including Smart Spending Cheat Sheets and associated bonuses), you agree to be bound by the following Terms & Conditions. If you do not agree with any part of these terms, please do not use this website or purchase our products. 1. General Information This website and its products are owned and operated under a personal brand. All content, products, and services provided are for educational and informational purposes only. 2. Digital Products All products sold on this website are digital downloads, including PDFs, templates, audio files, and video resources. No physical product will be shipped. Once payment is completed, access details will be sent to the email address provided during checkout. 3. Use of Content You agree that: All content is for personal use only You may not copy, resell, redistribute, share, or reproduce any part of the product You may not claim the content as your own or use it for commercial purposes without written permission Violation of this may result in legal action. 4. Payments Payments are securely processed through Razorpay. We do not store your card details, banking information, or UPI credentials. By completing a purchase, you authorize us to charge the amount displayed at checkout. 5. Pricing & Availability Prices are subject to change without prior notice Bonus offers are limited-time and may be removed at any point Access to products may be updated or improved over time 6. Disclaimer Results may vary from person to person. We do not guarantee specific financial outcomes, income levels, or savings amounts. Your success depends on your effort, consistency, and personal financial situation. This product does not replace professional financial or legal advice. 7. Limitation of Liability We are not responsible for: Any financial decisions made using the product Losses or damages resulting from misuse Technical issues beyond our control Use the product at your own discretion. 8. Changes to Terms We reserve the right to update or modify these Terms & Conditions at any time. Changes will be effective immediately upon posting. 9. Contact Information For any questions regarding these Terms, contact us at: 📧 firdaussayed11@gmail.com