The purchase of digital products, including PDF downloads and online material is subject to the following terms and conditions. Consumers are advised to review carefully before making any purchase.

All transactions for purchase are intangible products, pdf downloads, resources material, and online content are made through payment gateways such as PayPal or Stripe that use SSL encryption. These payment gateways are safe and secure for using all types of credit cards and debit cards in different countries and your details are not stored during this process.

Since your purchase is a digital product, it is deemed "used" after download or opening, and all purchases are non-refundable or exchangeable. Since the products made available here are intangible, there is a strict no refund policy.

Joyful Digital Wealth reserves the right to amend any information, including but not limited to prices, technical specifications, terms of purchase and product or service offerings without prior notice.

If you do not receive the digital product link or download option upon purchasing, you can immediately contact info@joyfuldigitalwealth.com with your transaction/payment details to ensure your product is delivered as soon as possible.

By using this site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our site. Your continued use of the site following the posting of changes to this policy will be deemed your acceptance of those changes.