These Terms & Conditions (“Terms”) govern your use of the www.helgadoesdigitalmarketing.com website (“Site”) and your purchase of the digital budget tracker or any other digital products (“Product”). By accessing or using our Site or purchasing our Product, you agree to be bound by these Terms.

If you do not agree with these Terms, do not use the Site or purchase our Product.

1. Definitions

• “Company,” “we,” “us,” “our” refers to helgadoesdigitalmarketing.
  
  
  

• “User,” “you,” “your” refers to anyone visiting or using our Site, or purchasing our Product.
  
  
  

• “Product” means the downloadable digital budget tracker sold on our site.
  
  
  

2. Eligibility

To use this Site or purchase the Product, you must:

• Be at least 18 years old, and
  
  
  

• Have the legal capacity to enter into a binding contract.
  
  
  

3. Global Sales & Compliance

We sell our digital product globally. By purchasing from our Site, you acknowledge that:

• You are responsible for complying with any local laws in your jurisdiction.
  
  
  

• The Product is created and sold from the United States and governed by U.S. law unless prohibited by your jurisdiction.
  
  
  

• Delivery of the Product is digital and immediate upon successful payment.
  
  
  

4. Product Delivery

• All Products are delivered digitally and automatically after purchase.
  
  
  

• No physical items are shipped.
  
  
  

• It is your responsibility to ensure your email address is entered correctly at checkout.
  
  
  

If you do not receive your Product, contact us at helga@helgadoesdigitalmarketing.com.

5. License & Permitted Use (IMPORTANT)

When you purchase the digital budget tracker, you are purchasing a personal-use license only.

You MAY:

• Use the Product for your own personal budgeting needs
  
  
  

• Download and store the Product on your own devices
  
  
  

• Print copies for personal use
  
  
  

You MAY NOT:

• Resell
  
  
  

• Redistribute
  
  
  

• Share
  
  
  

• Give away
  
  
  

• Republish
  
  
  

• Upload to the internet
  
  
  

• Claim ownership or authorship
  
  
  

• Use the Product for commercial, business, or client use
  
  
  

• Sell it under Private Label Rights (PLR), Master Resell Rights (MRR), or any other licensing structure
  
  
  

All rights are fully retained by www.helgadoesdigitalmarketing.com.

Unauthorized use is strictly prohibited and may result in legal action.

6. Intellectual Property Rights

All content on this Site, including the Product, text, graphics, images, branding, design elements, digital files, and all intellectual property, is the exclusive property of helgadoesdigitalmarketing.com and protected by:

• U.S. Copyright Law
  
  
  

• Digital Millennium Copyright Act (DMCA)
  
  
  

• International copyright treaties
  
  
  

• Global intellectual property standards
  
  
  

You agree not to infringe on these rights.

7. Pricing & Payments

• Prices are listed clearly on the Site.
  
  
  

• We reserve the right to change prices at any time.
  
  
  

• Payments are processed securely by third-party payment processors.
  
  
  

• We do not store or have access to full credit card details.
  
  
  

By completing a purchase, you represent that all payment information is accurate and that you are authorized to use the payment method.

8. Refund Policy

Because our Product is digital and delivered instantly, all sales are final.
No refunds will be issued unless:

• A duplicate purchase is made in error
  
  
  

• A technical issue prevents the product from being delivered and cannot be resolved
  
  
  

Refund decisions are at our sole discretion.

9. User Responsibilities

By using our Site, you agree that you will:

• Provide accurate information
  
  
  

• Not engage in illegal activities
  
  
  

• Not attempt to hack, damage, or disrupt the Site
  
  
  

• Not misuse our intellectual property
  
  
  

• Not violate any applicable laws in your local jurisdiction
  
  
  

10. Prohibited Conduct

You agree not to:

• Use the Site for unlawful purposes
  
  
  

• Use bots, spiders, scrapers, or automated tools
  
  
  

• Copy or extract content without written permission
  
  
  

• Distribute malware or harmful code
  
  
  

• Interfere with the Site’s functionality or security
  
  
  

Violations may result in termination of access and legal action.

11. Disclaimers

No Warranties

Our Product and Site are provided “as is” and “as available” without warranties of any kind.
We do not guarantee any financial outcomes or budgeting results.

No Professional Advice

The Product is for personal budgeting use only and does not constitute:

• Legal advice
  
  
  

• Financial advice
  
  
  

• Tax advice
  
  
  

• Accounting advice
  
  
  

Consult a licensed professional for financial decisions.

12. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, consequential, or punitive damages.
  
  
  

• Our total liability for any claim related to your use of the Site or Product is limited to the amount you paid for the Product.
  
  
  

Some regions may not allow certain limitations—those protections still apply as allowed by law.

13. Governing Law

Because we sell globally, the following legal structure applies:

• These Terms are governed by the laws of the State of New Jersey, United States.
  
  
  

• For international customers, these Terms apply to the fullest extent permitted by your local laws, without overriding consumer protections in your jurisdiction.
  
  
  

• Any disputes shall be resolved in the courts of New Jersey, USA, unless local law requires a different venue.
  
  
  

14. International Users

If you access the Site from outside the United States, you do so at your own risk and are responsible for compliance with:

• Local consumer protection laws
  
  
  

• Local digital goods laws
  
  
  

• Local electronic commerce regulations
  
  
  

• Tax obligations (if any)
  
  
  

We do not guarantee that the Site or Product is permitted or available in your country.

15. Termination

We reserve the right to terminate or restrict access to our Site or Product if:

• You violate these Terms
  
  
  

• You misuse our Product
  
  
  

• Fraud or unauthorized activity is detected
  
  
  

No refunds will be provided for terminations caused by violations.

16. Modifications to Terms

We may update these Terms at any time.
Changes take effect immediately upon posting on this page.
Your continued use of the Site indicates acceptance of the updated Terms.

17. Contact Information

For questions about these Terms, contact us at:

helgadoesdigitalmarketing.com

Email: helga@helgadoesdigitalmarketing.com

Website: www.helgadoesdigitalmarketing.com

Location: New Jersey, USA