Effective Date: March 13, 2025

Welcome to www.wgbudgeting.com ("Website"). These Terms and Conditions ("Terms") govern your use of our Website, digital products, and services. By accessing or purchasing from www.wgbudgeting.com, you agree to comply with these Terms. If you do not agree, please do not use our Website.

1. General Information
This Website provides digital financial education products, including ebooks, spreadsheets, and printable worksheets.
All content is for informational purposes only and does not constitute financial, legal, or investment advice.
We reserve the right to update these Terms at any time. Continued use of the Website after changes means you accept the revised Terms.

2. Digital Product Purchases & Access
Immediate Access – Upon purchase, you will receive instant access to the digital files via email or a direct download link.
No Physical Products – All products sold are digital-only; no physical copies will be shipped.
Intended Use – Our digital products are for personal, non-commercial use only. You may not resell, distribute, or share the files.

3. Payment & Pricing
Payment Methods – We accept credit/debit cards, PayPal, and other secure payment processors.
Pricing Changes – We reserve the right to update pricing at any time without notice.
Chargebacks & Fraud – If a chargeback is filed, access to the purchased products will be revoked. Fraudulent transactions will be reported.

4. No Refund Policy
All Sales Are Final – Due to the digital nature of our products, we do not offer refunds, exchanges, or cancellations.
Product Issues – If you experience any technical issues accessing your purchase, please contact us at monica@wgbudgeting.com, and we will assist you.

5. Intellectual Property Rights
All content on this Website, including ebooks, spreadsheets, worksheets, graphics, and branding, is protected by copyright law.
You may not copy, distribute, modify, or reproduce any part of our products without written permission.
Unauthorized use of our content may result in legal action.

6. Limitation of Liability
Our digital products provide general financial education but do not guarantee specific financial results.
We are not responsible for any financial losses, investment decisions, or budgeting outcomes based on our materials.
The Website and its content are provided "as is" without warranties of any kind.

7. User Responsibilities
You agree not to misuse our Website or products, including attempting to hack, reverse-engineer, or distribute them without permission.
You are responsible for ensuring your device has compatible software to use our digital downloads.
You must provide accurate billing and contact information at the time of purchase.

8. Privacy Policy & Data Protection
By using this Website, you agree to our Privacy Policy, which outlines how we collect, store, and protect your data.
We use third-party payment processors and do not store sensitive payment information.
You may opt out of marketing emails at any time.

9. Termination of Access
We reserve the right to refuse service or revoke access to our digital products if you violate these Terms.
We may terminate your account without notice if we suspect fraud, abuse, or illegal activity.

10. Governing Law
These Terms are governed by the laws of Alberta, Canada.
Any disputes must be resolved through mediation or arbitration before pursuing legal action.

11. Contact Information
For any questions regarding these Terms, please contact us at:

📧 Email: monica@wgbudgeting.com
🌐 Website: www.wgbudgeting.com

By purchasing or using our Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

Last Updated: March 13, 2025