Effective Date: 16/5/25

✅ By purchasing or accessing the 10 mins monthly budget manager (“Product”), you agree to be bound by these Terms and Conditions.

✅ Digital Product: This is a digital, downloadable asset. No physical product will be shipped.

✅ License: You receive a personal, non-transferable license for personal use only. Reselling, redistribution, or commercial use is strictly prohibited.

✅ No Financial Advice: The planner is a personal budgeting tool and should not be considered financial or investment advice.

✅ Payment: All payments are final and must be made in full at the time of purchase.

Amendments: We may revise these Terms at any time. Continued use of the product after changes indicates your acceptance.