Welcome to Toby - Financials. By purchasing any product from this store, you agree to the terms below. Please read them before you buy.
1. About Our Products
All products sold on this store are digital information products (ebooks, guides, templates) focused on making money online, online business, and related topics. They are intended for educational purposes only.
2. Income Disclaimer
We do not guarantee any specific income, results, or earnings from using the information in our products. Any figures, examples, or case studies shared are for illustration only and are not typical results. Your results will depend on your own effort, skills, market conditions, and factors outside our control.
Nobody can honestly promise you a fixed income from any online business model, and you should be careful of anyone who does. By purchasing, you acknowledge that:
- Success is not guaranteed
- You are responsible for your own business decisions
- We are not liable for any loss, damage, or missed expectations arising from your use (or misuse) of the information provided
3. Refund Policy
Because our products are digital and delivered instantly, all sales are final once the product has been downloaded or accessed. We do not offer refunds simply due to a change of mind.
However, we will gladly offer a refund or replacement if:
- You were charged more than once for the same product in error
- The file you received is corrupted, incomplete, or inaccessible
- You did not receive your product within 24 hours of payment
To request a refund under these conditions, contact us on whatsapp or Telegram within 7 days of purchase, with your proof of payment.
4. Copyright & Usage Rights
All content in this product — including text, templates, images, and any bonus material — is the intellectual property of [Your Name / Business Name] and is protected by copyright law.
You may:
- Use the content for your own personal or business learning
You may not:
- Resell, redistribute, or share this product (in part or in full) with others
- Repackage the content and sell it as your own
- Upload the product to any public platform, group, or file-sharing site
Violation of this policy may result in legal action.
5. Customer Responsibility
By purchasing, you confirm that:
- You are buying this product for personal or legitimate business use
- You will not use this product for any illegal purpose
- Any business, financial, or investment decisions you make based on this content are your own responsibility
6. Changes to These Terms
We may update these terms from time to time as our store or products change. Continued use of our products after changes means you accept the updated terms.