TERMS

Terms of Service & Digital Product Policy

Last updated: September 20, 2026

These terms apply to JoelLegaspi.com and to digital products sold by Joel Legaspi through checkout and delivery services used by this website. By purchasing a digital product, you agree to these terms.

Digital products

Digital products are delivered electronically. No physical product will be shipped unless a product page expressly says otherwise. You are responsible for providing a valid email address and for having a device and software capable of opening the delivered file.

Payment and delivery

Payments may be processed by third-party payment and commerce providers, including Stripe and MailerLite. After a successful purchase, access to the digital product is provided through the checkout or delivery process associated with the order. If you experience a genuine delivery or file-access problem, contact us using the contact information provided with your purchase so we can help restore access.

Personal-use license

Unless a product expressly states otherwise, your purchase grants you a limited, non-exclusive, non-transferable license for personal and household use. You may print reasonable copies for your own use or for use within your household. You may not resell, redistribute, upload, publish, sublicense, or commercially reproduce the product or its contents.

Refunds for digital products

Because digital products are made available electronically after purchase, completed digital-download sales are generally final once access has been provided. This does not limit any refund, cancellation, or other right that cannot legally be excluded under applicable consumer-protection law. If you are charged incorrectly, receive the wrong product, or cannot access the purchased file, contact us so the issue can be reviewed and corrected.

Informational purpose

Scam-safety and other educational materials are provided for general informational and educational purposes. They are designed to encourage caution, independent verification, and practical decision-making, but they cannot identify every scam or guarantee prevention of fraud, financial loss, identity theft, or other harm. The materials are not legal, financial, cybersecurity, or law-enforcement advice.

Third-party services

This website may use or link to third-party services. Those services operate under their own terms and privacy policies. Payment card information is handled by the applicable payment processor and is not intended to be stored directly by JoelLegaspi.com.

Intellectual property

Unless otherwise indicated, the website content and digital products, including text, graphics, branding, and downloadable materials, are protected by applicable intellectual-property laws and remain the property of their respective rights holders.

Changes

These terms may be updated when the website, products, providers, or legal requirements change. The date at the top of this page identifies the current version.

Privacy

For information about personal data and service providers used by this website, see the Privacy Policy.