1. Acceptance of Terms

By accessing or using our digital products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not access or use our products.   

2. Intellectual Property

All intellectual property rights, including copyrights, trademarks, and patents, in and to our digital products and their content are owned by [Your Company Name] or its licensors. You may not use, reproduce, distribute, or modify our products without our prior written consent.

3. License Grant

We grant you a limited, non-exclusive, non-transferable license to access and use our digital products for personal, non-commercial use only. This license is subject to these Terms of Service.

4. No Refunds

All sales of our digital products are final. Due to the nature of digital products, once a purchase is made, we cannot provide refunds or exchanges.

5. Disclaimer of Warranties

Our digital products are provided “as is” without any warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.   

6. Limitation of Liability

In no event shall [Your Company Name] be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your access to or use of our digital products.   

7. Disclaimer

The content provided on our platform is for informational purposes only and should not be construed as financial, legal, or professional advice. It’s essential to consult with qualified professionals before making any financial decisions.

8. Modifications to Terms of Service

We reserve the right to modify these Terms of Service at any time. Any changes will be effective immediately upon posting. Your continued use of our products after such changes constitutes your acceptance of the new Terms of Service.   

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of [Jurisdiction].   

By using our digital products, you acknowledge that you have read, understood, and agreed to these Terms of Service.