Policies

Terms of Service

Last updated: November 2026. This template wording should be reviewed by the business owner and, where appropriate, a qualified professional.

These Terms of Service ("Terms") govern your use of this website and your purchase of digital products from Richonda Robinson – Home & Living Planner ("we", "us"). By using the site or making a purchase, you agree to these Terms.

1. Digital products

All products are downloadable digital files. No physical items are shipped. Product descriptions list the included files and formats.

2. License for personal use

You may download, print, and use purchased files for personal, non-commercial household use.
You may not resell, share, distribute, or upload the files, or claim the designs as your own.
All designs remain our intellectual property.

3. Orders and payment

Payments are processed by a third-party payment provider. We do not store your full card details. Files are made available only after the payment provider confirms your payment.

4. Pricing

Prices are shown in US dollars and may change at any time. Any applicable taxes are calculated at checkout.

5. Refunds

Refunds are handled as described in our Refund Policy.

6. Disclaimer and limitation of liability

Products are provided "as is" as organizational aids. The budget planner is not financial advice. To the extent permitted by law, our liability is limited to the amount you paid for the product.

7. Changes

We may update these Terms from time to time. The "last updated" date above reflects the latest version.

8. Contact

Questions about these Terms can be sent through our contact page.