These Digital Products Terms of Sale ("Product Terms") govern all purchases made through the Store. By completing a purchase, you agree to these Product Terms in full. These Product Terms supplement and are incorporated into the Finantrix Terms of Service.
1. Sales Are Final — No Returns, Refunds, or Replacements
Due to the immediate, non-returnable nature of digital goods, sales are final. Once a digital product has been purchased and a download link has been issued, we do not offer returns, refunds, exchanges, or replacements, including but not limited to:
- Change of mind or accidental purchase.
- Incompatibility with your software or systems.
- Failure to download within the validity window.
- Dissatisfaction with the content after purchase.
This is our policy, and it operates subject to the two exceptions set out in sections 1.1 and 1.2 below. It does not purport to remove any right you hold under mandatory consumer law.
We strongly encourage you to review all available product descriptions, sample materials, and previews before completing a purchase. If you have questions about a product prior to purchase, please use our Contact Form.
1.1 Consumers in the EU and the UK: Right of Withdrawal
If you purchase as a consumer in the European Union or the United Kingdom, you ordinarily have 14 days to withdraw from a distance contract. For digital content that is not supplied on a physical medium, that right ends once supply has begun with your prior express consent and your acknowledgment that you thereby lose it.
At checkout you are asked to confirm both: that you want immediate access to the download, and that you understand this ends your right of withdrawal. Delivery begins on payment. If you do not wish to give that consent, do not complete the purchase — contact us instead and we will arrange delivery after the withdrawal period.
This section applies only to consumers. A purchase made in the course of a trade, business, craft, or profession is not a consumer contract, and no right of withdrawal arises.
1.2 Purchases Where Stripe Is the Merchant of Record
Some purchases are sold through Stripe as merchant of record, in which case Stripe is your counterparty for the payment, issues the receipt and any tax invoice, and collects and remits any applicable sales tax or VAT. Where that applies, your purchase is also subject to Stripe’s own terms, and Stripe operates a refund process independent of the policy stated above. Stripe may grant a refund request it receives, and it may do so without our approval.
We do not represent that a refund is available in any given case, and we do not undertake to grant one. Product-related questions should still come to us; payment and billing questions are handled by Stripe.
1.3 Prices Exclude Tax
All prices shown on the Store, on WealthSynth package pages, and anywhere else on this site are stated excluding tax. Any sales tax, VAT, GST or equivalent indirect tax due in your jurisdiction is calculated from the billing address you enter at checkout and added to the price shown, so the total you pay may exceed the listed price.
The amount of tax, if any, is shown before you confirm payment and itemized on your receipt. Where a purchase is sold through Stripe as merchant of record (section 1.2), Stripe calculates, collects and remits that tax, and issues the corresponding tax document.
2. Download Links: Validity and Limits
Upon successful payment processing, you will receive a secure, time-limited download link delivered to the email address provided at checkout.
2.1 Link Validity Period
Download links are valid for exactly seven (7) calendar days from the date and time of purchase. After this period, the link will expire and the file will no longer be accessible via that link. Expired links cannot be reactivated.
2.2 Download Limit
Each purchase entitles the buyer to a maximum of three (3) downloads of the purchased file. Once the download limit has been reached, the link will be deactivated regardless of the remaining validity period.
2.3 Your Responsibility
You are solely responsible for downloading your purchased files within the validity window and within the permitted number of downloads. We strongly recommend downloading your files immediately upon receipt of the download link and backing them up to a secure, personal storage location. Finantrix is not responsible for files that were not downloaded before link expiration.
2.4 Technical Support for Download Issues
If you experience a verified technical failure (e.g., a server-side error preventing download) within the validity period, please contact us immediately via our Contact Form with your order number. We will review the issue at our sole discretion. Technical failures caused by the buyer's device, browser, or internet connection do not qualify for link reissuance.
3. Licensing Tiers and Usage Rights
When you purchase a digital product from Finantrix, you are purchasing a limited, non-exclusive, non-transferable license to use the product. You are not purchasing the underlying intellectual property. The scope of your license depends on the tier selected at checkout:
3.1 Individual License
An Individual License grants a single named user the right to use the purchased product for their own personal professional work. Under this license:
- The product may be used by one person only.
- The product may not be shared with colleagues, distributed on internal networks, posted on intranets, or otherwise made accessible to other individuals within or outside the purchasing organization.
- The product may be used in the individual's own deliverables and presentations, provided that the Finantrix source is acknowledged where appropriate.
3.2 Enterprise License
An Enterprise License grants the purchasing organization the right to distribute and use the product internally among its employees. Under this license:
- The product may be placed on internal intranets, shared drives, or internal knowledge management systems.
- The product may be used by any employee of the purchasing organization for internal business purposes.
- The product may not be shared with, distributed to, or made accessible by any party outside the purchasing organization, including clients, partners, or vendors.
- The product may not be sub-licensed or resold.
3.3 Consultancy License
A Consultancy License is designed for consulting firms, advisory practices, and professional services organizations. Under this license:
- The product may be used in client-facing engagements, deliverables, presentations, and advisory work.
- The product may be adapted and incorporated into client deliverables, provided that the core intellectual property framework is attributed to Finantrix where it is recognizable.
- The product may not be resold as a standalone product or repackaged as the consulting firm's own original intellectual property.
- The Consultancy License covers the purchasing firm's internal team; it does not extend to sub-contractors or third-party partners without a separate license.
4. Prohibited Actions
Regardless of the license tier purchased, the following actions are strictly prohibited:
- Public Posting or Distribution: You may not publicly post, host, publish, or distribute the digital products on the open internet, including but not limited to websites, social media platforms, file-sharing services, or public repositories.
- Resale: You may not resell, sub-license, or commercially exploit the digital products as standalone assets, whether in original or modified form.
- Removal of Attribution: You may not remove copyright notices, watermarks, or attribution statements from the products.
- Misrepresentation of Authorship: You may not claim original authorship of the frameworks, templates, or methodologies contained in the products.
- Reverse Engineering: You may not attempt to reverse-engineer, decompile, or extract proprietary methodologies from the products for the purpose of creating competing products.
5. Intellectual Property
All digital products sold through the Store remain the intellectual property of Finantrix. Purchase of a product does not transfer any intellectual property rights to the buyer. Finantrix reserves all rights not expressly granted in these Product Terms.
6. Chargebacks and Payment Disputes
If you initiate a chargeback or payment dispute with your bank or payment provider after receiving access to a digital product, Finantrix reserves the right to terminate your access to the product and any future purchases. We encourage you to contact us directly to resolve any payment concerns before initiating a dispute.
7. Contact and Support
For questions about these Product Terms, or for technical support related to a purchase, please contact us via our Contact Form. You may also reach us at support [at] finantrix [dot] com. Please include your order confirmation number in all correspondence.