Terms of Service

These Terms of Service ("Terms") govern your use of realmoneyfacts.com and any products or services offered by RealMoneyFacts ("we," "us," or "our"). By accessing our website or purchasing our products, you agree to be bound by these Terms.

If you have questions about these Terms, contact us at hello@realmoneyfacts.com before making a purchase.

RealMoneyFacts sells digital products including ebooks (PDF format), interactive web-based tools, planning worksheets, and expense trackers related to personal finance. Our current product bundle — The Hidden Money Drains System — includes the following components:

• The Hidden Money Drains PDF — a 15-chapter PDF guide delivered as a downloadable file
• Financial Leak Finder — an interactive tool delivered as a URL that opens in any web browser, no download or installation required
• 30-Day Expense Tracker — an interactive tool delivered as a URL that opens in any web browser
• Monthly Budget Planner — a PDF worksheet delivered as a downloadable file

All products are delivered digitally — there are no physical shipments. Some components are PDF files; others are web-based tools accessible via a link. Both types are delivered immediately upon purchase.

All prices are listed in US Dollars (USD). We accept payment via PayPal and major credit cards processed through Stripe. Payment is due in full at the time of purchase.

• Prices are subject to change at any time without prior notice
• Sales tax may apply depending on your location and applicable law
• Your payment information is processed securely by PayPal or Stripe — we never store your card details on our servers
• By completing a purchase, you authorize us to charge the total amount shown at checkout

Upon successful payment, your products will be made available immediately. A confirmation email with download links and tool access links will be sent to the email address you provided at checkout.

PDF files are delivered as downloadable attachments or direct download links. You are responsible for saving your downloaded files — we recommend storing a backup copy.

Interactive web-based tools (Financial Leak Finder, 30-Day Expense Tracker) are delivered as URL links that open directly in any modern web browser — Chrome, Safari, Firefox, or Edge. No download, account, or installation is required to use them.

• Check your spam or junk folder if you don't receive the email within 10 minutes
• Web-based tool links are accessible indefinitely — they do not expire
• If you experience technical issues with any component of your purchase, contact us at hello@realmoneyfacts.com within 7 days

We offer a 7-day satisfaction guarantee on all products. If you are not satisfied with your purchase for any reason, email us at hello@realmoneyfacts.com within 7 days of your purchase date and we will issue a full refund — no questions asked.

The 7-day guarantee applies to the complete bundle. Partial refunds for individual components are not available — if you request a refund, the full purchase amount is returned.

When you purchase from RealMoneyFacts, you receive a personal, non-exclusive, non-transferable license to use all products in the bundle for your own personal, non-commercial purposes.

You MAY:

• Download and use PDF files on any of your personal devices
• Access and use the interactive web-based tools in your browser
• Print a single copy of PDF files for personal use
• Apply the information and tools for your own personal financial decisions

You MAY NOT:

• Share, distribute, or forward any product or link to others — each purchase is for one user
• Resell, sublicense, or commercially exploit any component of this bundle
• Reproduce substantial portions of the content on websites, social media, or other publications
• Use the content or tools to create competing products without prior written agreement

Our products are provided for educational and informational purposes only. They do not constitute professional financial, legal, tax, investment, or medical advice.

• All dollar amounts, statistics, and savings figures are estimates based on publicly available data and may vary based on individual circumstances
• Apps, websites, and tools mentioned in our products were accurate at time of writing — availability and pricing may have changed
• The interactive tools (Financial Leak Finder, 30-Day Expense Tracker) perform calculations based on data you enter — results are illustrative and not guaranteed
• Results are not guaranteed — individual outcomes depend on personal circumstances, market conditions, and actions taken

To the maximum extent permitted by applicable law, RealMoneyFacts shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our products, tools, or website. Our total liability shall not exceed the amount you paid for the product in question.

All content on realmoneyfacts.com — including text, graphics, logos, PDF guides, interactive tools, and planning templates — is the intellectual property of RealMoneyFacts unless otherwise stated. The @realmoneyfacts brand name, logo, and associated marks are proprietary to RealMoneyFacts.

We reserve the right to update these Terms at any time. When we do, we will update the "Last updated" date at the top of this page. Continued use of our website or products after updated Terms are posted constitutes your acceptance of the changes.