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Please read these Terms of Sale before purchasing. By completing your purchase, you agree to them.
Charles's Plain Money Playbook ("the Product") is a downloadable PDF ebook, together with the bonus materials listed on the sales page (the First-Weekend Action Plan, the Wealth Ledger, and the Document & Beneficiary Checklist). The Product is a work of general personal-finance education and commentary, presented through an illustrative narrator, "Charles." Charles is not a real, identifiable individual; his voice is used to present real, publicly documented personal-finance patterns in a clear and memorable way.
The Product is provided for general informational and educational purposes only. It does not constitute, and should not be relied upon as, financial, investment, tax, accounting, or legal advice. It does not recommend, endorse, or advise the purchase, sale, or holding of any specific security, fund, product, or financial provider.
No professional relationship (financial advisory, tax preparation, legal, or otherwise) is created between you and the seller, the author, or any person or persona associated with the Product, by virtue of your purchase.
Your personal financial, tax, and legal circumstances are unique. Before making any decision based on information in the Product, you should consult a qualified, licensed professional who can review your specific situation.
Any figures, examples, ranges, or illustrations in the Product or on its sales page are general and illustrative. They are not projections, promises, or guarantees of any specific outcome, savings, or result for you. Actual results depend on your individual circumstances, decisions, and factors outside the seller's control, including changes in tax law, interest rates, market conditions, and your own choices.
If you are not satisfied with your purchase for any reason, you may request a full refund within 7 days of your purchase date. This includes simple dissatisfaction with the Product — no explanation or supporting reason is required. To request a refund, contact [SUPPORT EMAIL] with your order number. Refunds are processed through Gumroad to your original payment method.
Upon purchase, you receive a personal, non-transferable, non-exclusive license to download and use the Product for your own personal, non-commercial use. You may not resell, redistribute, publicly share, or republish the Product or its contents, in whole or in part, without prior written permission.
To the maximum extent permitted by applicable law, the seller and the author shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or financial loss, arising out of or related to your use of, or inability to use, the Product.
To the maximum extent permitted by applicable law, the seller's total liability to you for any claim arising from your purchase shall not exceed the amount you actually paid for the Product.
The Product may reference general categories of financial accounts, institutions, or public programs (for example, Social Security, Medicare, IRAs, or credit bureaus) for educational purposes. These references are not endorsements, and the seller has no affiliation with, and receives no compensation from, any specific financial institution, advisor, or product provider mentioned or implied in the Product.
Tax law, healthcare rules, and other figures referenced in the Product change over time. The seller may, but is not obligated to, issue updated editions. Where lifetime updates are offered on the sales page, "lifetime" refers to the commercially reasonable lifetime of this Product's availability for sale.
These Terms are governed by the laws of [YOUR STATE/JURISDICTION], without regard to conflict-of-law principles, unless otherwise required by applicable consumer protection law in your jurisdiction.
Questions about these Terms or your order can be sent to [SUPPORT EMAIL].
7-day money-back guarantee. If you're not happy with the Playbook for any reason, simple dissatisfaction included, email [SUPPORT EMAIL] within 7 days of purchase for a full refund. No forms, no explanation needed.