Terms of Service
These Terms govern your use of progressleaf.io and your purchase of our digital products from Progress Leaf ("we," "us," or "our"). By using the site or buying a product, you agree to these Terms.
1. About our products
Progress Leaf sells digital downloads, printable planners, trackers, and an ebook, designed to help with budgeting and debt payoff. Products are delivered electronically; nothing physical is shipped.
2. License & permitted use
When you buy a product, we grant you a personal, non-transferable, non-exclusive license to use it for your own household's personal use. You may print copies for yourself.
You may not:
- Resell, sublicense, share, or redistribute the files, in whole or in part
- Reproduce or publish the contents publicly, or claim them as your own
- Use the products or their designs for commercial purposes without our written permission
3. Intellectual property
All content, designs, text, graphics, the leaf mark, and the Progress Leaf name are owned by us and protected by copyright and trademark law. Buying a product gives you the license above, but it does not transfer ownership.
4. Purchases & payment
Prices are listed at checkout in USD and may change at any time. Payments are processed securely by Stripe and PayPal. You're responsible for any applicable taxes. You'll receive access to your download immediately after a successful purchase.
5. Refunds
Because our products are digital and delivered instantly, all sales are final and we do not offer refunds once your download is available. We've made the page previews, sample pages, and FAQ as clear as we can, so you can decide with confidence before you buy. If a file is missing or you can't access your download, email support@progressleaf.com and we'll make it right.
6. Educational use only, not professional advice
Our products and content are for general educational purposes only and are not financial, investment, tax, or legal advice. We do not guarantee any specific financial result. For your situation, consult a qualified professional. See our Disclaimer for details.
7. Disclaimer of warranties
The site and products are provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose. We don't warrant that the site will be uninterrupted or error-free.
8. Limitation of liability
To the fullest extent permitted by law, Progress Leaf is not liable for any indirect, incidental, or consequential damages arising from your use of the site or products. Our total liability will not exceed the amount you paid for the product in question.
9. Third-party links
The site may link to third-party websites or services. We're not responsible for their content, policies, or practices.
10. Termination
We may suspend or end your access if you violate these Terms, including by redistributing our products.
11. Governing law
These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law rules.
12. Changes to these Terms
We may update these Terms from time to time. The "Last updated" date above reflects the latest version; continued use means you accept the changes.
13. Contact
Questions about these Terms? Email support@progressleaf.com.