Terms of service

TERMS OF SERVICE

Last updated: September 2026

Welcome to The Broke to Balanced Reset.

These Terms of Service ("Terms") govern your use of our website, purchase of our digital products, and access to any content, materials, or services provided through our store.

By accessing our website or purchasing a product from us, you agree to these Terms. If you do not agree with these Terms, please do not use our website or purchase our products.

1. ABOUT OUR STORE

The Broke to Balanced Reset provides digital educational products designed to help individuals improve their financial organization, budgeting habits, spending awareness, saving habits, and overall relationship with money.

Our primary product is:

The Broke to Balanced Reset
A digital financial education guide designed to help customers organize their finances, manage spending habits, create practical financial systems, and work toward greater financial stability.

Our products are delivered digitally and do not involve physical shipping unless otherwise stated.

2. ELIGIBILITY

By using this website or purchasing a product, you confirm that:

  • You are legally capable of entering into a binding agreement.
  • The information you provide during checkout is accurate and complete.
  • You will use our products only for lawful purposes.
  • You will not use our products in a way that violates these Terms or applicable law.

If you are purchasing a product on behalf of another person or organization, you confirm that you have the authority to do so.

3. DIGITAL PRODUCTS

Our products are primarily digital products.

After completing your purchase, you may receive access to the purchased product through a download link, email, customer account, or another digital delivery method.

Because the product is digital:

  • No physical product will be shipped.
  • You are responsible for providing a valid email address at checkout.
  • You are responsible for ensuring that your device can open and use the file format provided.
  • You should keep your purchase information and download files secure.

If you experience a genuine technical problem accessing your purchase, please contact us so that we can assist you.

4. PRODUCT DESCRIPTION

We make reasonable efforts to ensure that product descriptions, images, features, pricing, and other information displayed on our website are accurate and up to date.

However, we do not guarantee that every description, image, or piece of information will always be completely free from errors.

We reserve the right to correct errors, update information, or make changes to our products where appropriate.

5. FINANCIAL EDUCATION DISCLAIMER

The Broke to Balanced Reset is an educational product and is not intended to provide personalized financial, investment, tax, accounting, legal, or other professional advice.

The information contained in our products is provided for general educational and informational purposes only.

We do not know your individual financial circumstances, income, expenses, debts, investments, tax position, risk tolerance, or financial goals.

You are responsible for deciding how, or whether, to apply any information provided in our products.

Before making significant financial, investment, tax, legal, or other professional decisions, you should consider obtaining advice from an appropriately qualified professional.

6. NO GUARANTEE OF FINANCIAL RESULTS

We do not guarantee that using our products will:

  • Increase your income;
  • Eliminate your debt;
  • Improve your credit score;
  • Make you financially independent;
  • Increase your savings by a specific amount;
  • Reduce your expenses by a specific amount; or
  • Produce any particular financial result.

Individual results will vary depending on a person's circumstances, decisions, income, expenses, financial obligations, discipline, and other factors.

Our products provide strategies, information, worksheets, and educational tools. Your results depend on how you use them.

7. PURCHASES AND PAYMENTS

All prices displayed on our website are stated in the applicable currency shown at checkout.

By completing a purchase, you agree to pay the full amount displayed at checkout, including any applicable taxes, fees, or charges disclosed before purchase.

Payments are processed through the payment methods made available through our Shopify store.

We reserve the right to refuse, cancel, or limit an order where there is a reasonable basis to believe that a transaction is fraudulent, unauthorized, made in error, or otherwise unlawful.

8. REFUND POLICY

Because our products are digital, there is generally no physical product to return.

Refunds are handled in accordance with our Refund & Return Policy, which forms part of these Terms.

Generally, digital purchases are non-refundable after the product has been accessed or downloaded, except where a refund is appropriate under our Refund & Return Policy or required by applicable law.

Nothing in these Terms is intended to remove or limit any consumer rights that cannot legally be excluded.

Please review our Refund & Return Policy before purchasing.

9. INTELLECTUAL PROPERTY

All content contained within our products and website is protected by applicable intellectual property laws.

This includes, but is not limited to:

  • The Broke to Balanced Reset ebook;
  • Text;
  • Worksheets;
  • Templates;
  • Graphics;
  • Logos;
  • Branding;
  • Images;
  • Designs;
  • Layouts;
  • Downloadable resources;
  • Marketing materials; and
  • Other original content.

Unless expressly stated otherwise, all intellectual property rights belong to us or our respective licensors.

10. PERSONAL USE LICENSE

When you purchase a digital product from us, you receive a limited, non-exclusive, non-transferable license to use the purchased product for your own personal, non-commercial purposes.

You may:

  • Download the product for your personal use;
  • Save a copy for your personal records; and
  • Print portions of the product for your own personal use.

You may not:

  • Resell the ebook;
  • Share the download link;
  • Upload the ebook to another website;
  • Distribute the ebook through email, messaging groups, social media, cloud storage, or file-sharing platforms;
  • Give copies to other people;
  • Repackage the content as your own product;
  • Modify and sell the content;
  • Use the worksheets or templates to create a competing commercial product;
  • Claim our content as your own; or
  • Use our intellectual property for commercial purposes without our written permission.

Unauthorized distribution or reproduction may result in legal action.

11. WEBSITE USE

You agree not to use our website to:

  • Commit or encourage unlawful activity;
  • Attempt to gain unauthorized access to our website, systems, or accounts;
  • Introduce viruses, malware, or harmful code;
  • Interfere with the operation or security of our website;
  • Copy or reproduce our website content without permission;
  • Scrape or systematically collect our website content for commercial purposes;
  • Impersonate another person or business; or
  • Engage in fraudulent activity.

We reserve the right to restrict or terminate access to our website where we reasonably believe these Terms have been violated.

12. THIRD-PARTY SERVICES AND LINKS

Our website may contain links to third-party websites, platforms, tools, payment providers, or other services.

These third-party services are not controlled by us.

We are not responsible for:

  • The content of third-party websites;
  • Their privacy practices;
  • Their availability;
  • Their security;
  • Their products or services; or
  • Any loss or damage arising from your use of third-party services.

You should review the terms and privacy policies of third-party websites before using them.

13. WEBSITE AVAILABILITY

We make reasonable efforts to keep our website and digital products available.

However, we do not guarantee that our website will always be:

  • Available;
  • Error-free;
  • Secure;
  • Free from interruptions; or
  • Free from viruses or other harmful components.

Temporary interruptions may occur because of maintenance, technical problems, hosting issues, internet problems, third-party services, or circumstances outside our reasonable control.

14. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, we will not be responsible for indirect, incidental, special, consequential, or similar losses arising from your use of our website or products.

This includes, where legally permitted, losses relating to:

  • Financial decisions;
  • Loss of income;
  • Loss of profits;
  • Business losses;
  • Investment decisions;
  • Data loss;
  • Business interruption; or
  • Reliance on information contained within our products.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Nothing in these Terms is intended to limit your statutory consumer rights.

15. INDEMNIFICATION

To the extent permitted by law, you agree to be responsible for losses, claims, liabilities, costs, or expenses arising from your unlawful use of our website or products, your violation of these Terms, or your infringement of our intellectual property rights or the rights of another person.

This section does not apply to the extent that such liability results from our own unlawful conduct or from circumstances where liability cannot legally be excluded.

16. PRIVACY

Your use of our website is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, store, and protect personal information provided through our website and during purchases.

By using our website, you acknowledge that you have had the opportunity to review our Privacy Policy.

17. CHANGES TO THESE TERMS

We may update these Terms from time to time to reflect changes to our business, products, website, legal requirements, or services.

When we make changes, we will update the "Last updated" date at the top of this page.

Your continued use of the website after updated Terms are published may constitute acceptance of the revised Terms to the extent permitted by law.

18. GOVERNING LAW

These Terms are governed by the laws of the Republic of South Africa, unless applicable consumer protection laws require otherwise.

Nothing in these Terms is intended to prevent a consumer from exercising rights that cannot legally be excluded under the laws applicable to that consumer.

19. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue to apply to the extent permitted by law.

20. ENTIRE AGREEMENT

These Terms, together with our Refund & Return Policy, Privacy Policy, and any other policies expressly incorporated into these Terms, constitute the agreement between you and us regarding your use of our website and purchase of our products, subject to any mandatory rights or obligations imposed by applicable law.

21. CONTACT US

If you have questions about these Terms, your purchase, or our digital products, please contact us:

The Broke to Balanced Reset
Email: broketobalancedreset@gmail.com
Website: www.broketobalancedreset.store
Business Name: The Broke To Balanced Reset