1. Acceptance of Terms
By accessing this website and purchasing any product offered through the website, you agree to be bound by these Terms of Service.
If you do not agree with these Terms, please do not use this website or purchase any products.

2. Products and Services
This website provides digital products, including but not limited to downloadable PDF calendars, reports, guides, and related materials.
All products are delivered electronically and no physical items will be shipped.

3. Purchase and Payment
All prices are displayed on the website at the time of purchase.
Payment must be completed before access to any digital product is granted.
We reserve the right to change prices, product descriptions, or product availability at any time without prior notice.

4. Delivery
Digital products are generally delivered immediately after successful payment.
Delivery may occur through:

• Download links;
• Email delivery;
• Access to a protected webpage.

If you do not receive your product within 24 hours after purchase, please contact us at: decisioncalendar@gmail.com

5. Personal Use License
Upon purchase, you are granted a limited, non-exclusive, non-transferable license to use the purchased product for personal use only.
You may not:

• Resell the product;
• Share the product with others;
• Redistribute the product;
• Upload the product to file-sharing websites;
• Claim the product as your own work.

All intellectual property rights remain the property of the website owner.

6. No Professional Advice
The calendars and related materials are provided for informational and educational purposes only.
They do not constitute legal, financial, medical, business, investment, psychological, or professional advice.
Any decisions made based on the information contained in the products are solely the responsibility of the purchaser.

7. No Guarantees
The calendars are intended as informational tools.
We make no guarantees regarding:

• Financial success;
• Business results;
• Personal outcomes;
• Health outcomes;
• Relationship outcomes;
• Any other specific result.

Individual results may vary.

8. Refund Policy
Due to the digital nature of our products, all sales are final.
Once a digital product has been delivered, downloaded, or accessed, it cannot be returned.
Therefore, refunds, exchanges, and cancellations are generally not available. This approach is commonly used for downloadable digital products because they cannot be physically returned after delivery.
However, if a product is defective, inaccessible, or substantially different from its description, please contact us and we will make reasonable efforts to resolve the issue. Consumer rights that cannot legally be excluded under applicable law remain unaffected.

9. Intellectual Property
All content available on this website, including calendars, text, graphics, branding, logos, layouts, and downloadable materials, is protected by copyright and intellectual property laws.
No ownership rights are transferred to the purchaser.

10. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of the website;
• Use of any digital product;
• Inability to access the website;
• Technical issues;
• Reliance on information contained in our products.

All products are provided "as is" and "as available."

11. Privacy
Your use of this website is also governed by our Privacy Policy.

12. Changes to These Terms
We reserve the right to update or modify these Terms at any time.
Updated versions will be posted on this page and become effective immediately upon publication.

13. Governing Law
These Terms shall be governed and interpreted in accordance with the laws applicable in the jurisdiction of the website owner, without regard to conflict of law principles.

14. Contact Information
If you have any questions regarding these Terms, please contact:
decisioncalendar@gmail.com