Terms

Purchases

All products are digital downloads. Payment, tax handling and delivery are processed by Gumroad under Gumroad's terms. Prices are in USD.

License

Each purchase grants a personal license for one buyer. PDFs are stamped to the buyer. You may not share, redistribute or resell the files, in whole or in part.

Refunds

If a file doesn't open or work as described, reply to your Gumroad receipt within 7 days of purchase and we'll fix it or refund you.

No guarantees

Our products are educational tools. We don't promise any particular result, including debt payoff dates, credit score changes or income. Examples use fictional numbers.

Liability

Products are provided as is. To the extent permitted by law, SGC Studio is not liable for decisions you make using them. Always check calculations against your own statements.