🔒 DISCLAIMER & DIGITAL PRODUCT POLICY

This product is a digital product delivered electronically. By purchasing and accessing this product, you acknowledge and agree to the following terms and conditions:

1. Digital Delivery

• After successful payment, the product download link will be provided instantly on the checkout page and/or via email.

• It is the buyer’s responsibility to download and securely save the files immediately after receiving access.

• The company is not responsible if the buyer fails to download the product within the available access period.

2. No Refund Policy

• As this is a digital product, NO REFUNDS, NO RETURNS, NO EXCHANGES are allowed under any circumstances.

• Once the product is delivered or access is provided, the sale is considered final and non-reversible.

3. No Guarantee of Lifetime Availability

• We do not guarantee lifetime availability of files, data, or download links.

• Download links, third-party resources, references, or external links may change, move, expire, or stop working over time without prior notice.

• Some content may be updated, relocated, replaced, or removed in future.

4. Content & Link Disclaimer

• This bundle may include multiple files, folders, tools, formats, or external resource links.

• It is possible that some links may not work at a particular time, may be temporarily unavailable, or may be shifted to alternative sources.

• We do not guarantee that every link will work forever, but equivalent or similar information may be available elsewhere.

5. Use at Your Own Responsibility

• The product is provided for educational, informational, and reference purposes only.

• The buyer is solely responsible for how the content is used.

• The company shall not be liable for any direct, indirect, incidental, or consequential loss, damage, legal issue, or misuse arising from the use of this product.

6. No Legal, Financial, or Professional Advice

• The content does not constitute legal, financial, accounting, tax, HR, or professional advice.

• Users are advised to consult a qualified professional before applying any format, document, policy, or template in real-world situations.

7. Voluntary Purchase

• The purchase of this product is completely voluntary.

• The company does not force, pressure, or compel anyone to buy this product.

• By purchasing, you confirm that you are buying the product at your own discretion and responsibility.

8. Intellectual Property

• All content remains the intellectual property of the seller.

• Unauthorized sharing, resale, redistribution, or commercial exploitation is strictly prohibited.

9. Third-Party Names & Logos

• Any third-party names, brands, logos, or references mentioned are the property of their respective owners.

• We are not affiliated, endorsed, or sponsored by any third-party brand or organization unless explicitly stated.

✅ Final Acceptance

By purchasing and using this digital product, you confirm that you have read, understood, and agreed to this disclaimer and all associated terms.