Terms and Conditions

Last updated: 10/22/25

Welcome to Living Richly on a Budget!
By purchasing or accessing any digital product (“Product”) from Living Richly on a Budget on Gumroad (or any affiliated platform), you agree to the following Terms and Conditions. Please read them carefully before completing your purchase.

1. Digital Products

All products sold through Living Richly on a Budget are digital downloads — no physical items will be shipped.
After completing your purchase, you’ll receive instant access to your files via email or download link.

Each listing clearly describes what’s included. Please review all product details carefully before purchasing.

2. License and Use

When you purchase a digital product, you are granted a personal, non-transferable, non-exclusive license to use the materials for your own personal use only.

You may not:

If you wish to use any materials for commercial, educational, or group purposes, please contact fanny@livingrichlyonabudget.com for licensing options.

3. Refund Policy

Because all of our products are digital and instantly delivered, all sales are final.
No refunds, exchanges, or cancellations will be issued once the product has been downloaded or accessed.

If you experience any issues with your purchase or can’t access your files, please reach out to fanny@livingrichlyonabudget.com, and we’ll be happy to assist.

4. Payment and Pricing

All prices are listed in USD and may change without notice.
We reserve the right to modify or discontinue products at any time without prior notice.

All payments are securely processed through Gumroad, and we do not store or have access to your payment information.

5. Intellectual Property

All content, products, and materials available through Living Richly on a Budget — including ebooks, spreadsheets, templates, digital planners, videos, and courses — are the intellectual property of Fanny Camota and are protected by U.S. and international copyright law.

Unauthorized use, sharing, or distribution of these materials is strictly prohibited and may result in legal action.

6. Disclaimer

All digital products are provided “as is,” without warranties of any kind, express or implied.
While every effort has been made to ensure accuracy and value, Living Richly on a Budget does not guarantee specific results or outcomes.

Your success depends on your own effort, experience, and circumstances.

For educational and informational purposes only — not financial, legal, or accounting advice. Always consult a qualified professional for personalized advice.

7. Limitation of Liability

Under no circumstances shall Living Richly on a Budget or Fanny Camota be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our digital products.

8. Privacy Policy

Your privacy is important to us. We only collect necessary information — such as your name and email — to process your order and deliver your products.

We do not sell, rent, or share your personal information. For more details, please see our Privacy Policy.

9. Contact Information

If you have any questions about these Terms or your purchase, please contact:
fanny@livingrichlyonabudget.com
https://www.livingrichlyonabudget.com

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