Please read these Terms and Conditions ("Terms") carefully before purchasing "The Simple Start Investing Kit" (the "Product") or using the website scrimpandspend.com and its subdomains (the "Site"), operated by Ruth David, a sole trader in the United Kingdom ("I", "me", "my").
Your access to and use of the Product and Site is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and customers.
By purchasing the Product or using the Site, you agree to be bound by these Terms.
1. The Product: The Simple Start Investing Kit
The Product is a digital guide consisting of PDF documents and other digital files, designed for educational purposes to help beginners in the United Kingdom understand the fundamentals of investing.
2. Intellectual Property & License
- What you are buying: When you purchase the Product, you are buying a license to use the content for your own personal, non-commercial education. You are not buying ownership of the content itself.
- What you CAN do: You can download, save, and print the files for your own personal use.
- What you CANNOT do: The license is for you only. You are strictly forbidden from sharing, re-selling, distributing, copying, or otherwise making the content available to any third party. All content, including text, design, and concepts, is the intellectual property of Ruth David (trading as Scrimp and Spend) and is protected by copyright law.
3. Financial Disclaimer
All content provided in the Product and on the Site is for informational and educational purposes only.
I am not a financial advisor. The information provided is a reflection of my own research and experience and does not constitute financial, legal, or tax advice. Investing involves risk, and you are solely responsible for any decisions you make. You should always conduct your own research and consider consulting with a qualified financial professional before making any investment decisions. I am not liable for any losses or damages you may incur as a result of using this information.
4. Purchases and Payment
All purchases are processed through our secure e-commerce provider, Payhip, and their integrated payment processors, Stripe and PayPal. By making a purchase, you agree to abide by their terms of service.
5. Refund Policy
Due to the digital nature of the Product and the provision of a comprehensive preview on the sales page, all sales are final. I do not offer refunds or exchanges once a purchase is made. By completing your purchase, you acknowledge and agree to this no-refund policy. If you experience technical difficulties accessing the digital files, please contact support@scrimpandspend.com for assistance.
6. Limitation of Liability
To the fullest extent permitted by law, in no event will I be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of the Site or Product.
7. Governing Law
These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.
8. Changes to Terms
I reserve the right to modify these terms at any time. I will notify you of any changes by posting the new Terms and Conditions on this page.
9. Contact Us
If you have any questions about these Terms, please contact me at hello@scrimpandspend.com.