Terms of Service
Last updated: February 2, 2026
Agreement to Terms
By accessing or using the Tomi Money website and purchasing our digital products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
Description of Services
Tomi Money provides digital finance products including budget planners, expense trackers, financial templates, and educational resources. These products are delivered as digital downloads (PDF files, spreadsheets, or similar formats) and are available for immediate access after purchase.
Digital Product License
When you purchase a digital product from Tomi Money, you receive a personal, non-exclusive, non-transferable license to use the product. This means:
- You may use the product for your personal, non-commercial purposes
- You may not resell, redistribute, or share the product with others
- You may not modify the product and sell it as your own
- You may not use the product for commercial purposes without written permission
Purchases and Payment
All purchases are processed through our third-party payment processors (such as Gumroad, Payhip, or Etsy). By making a purchase, you agree to provide accurate payment information and authorize us to charge your payment method for the total amount of your order.
Prices are listed in USD and may be subject to change without notice. Any price changes will not affect orders that have already been completed.
Refund Policy
We offer a 30-day refund policy on all digital products. If you are not satisfied with your purchase for any reason, you may request a refund within 30 days of your purchase date.
To request a refund, please contact us at hello@tomimoney.com with your order details. Refunds will be processed to the original payment method within 5-10 business days.
Intellectual Property
All content on the Tomi Money website and within our products, including text, graphics, logos, designs, and templates, is the property of Tomi Money and is protected by copyright and other intellectual property laws.
You may not copy, reproduce, distribute, or create derivative works from our content without our express written permission.
User Responsibilities
When using our website and products, you agree to:
- Provide accurate information when making purchases
- Use our products only for lawful purposes
- Not attempt to gain unauthorized access to our systems
- Not use our products in any way that could harm our business or reputation
Disclaimer of Warranties
Our products and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our products will meet your specific requirements or that they will be error-free.
Limitation of Liability
To the maximum extent permitted by law, Tomi Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our products or services.
Our total liability for any claim arising from these terms or your use of our products shall not exceed the amount you paid for the product in question.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes indicates your acceptance of the updated terms.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Contact Us
If you have any questions about these Terms of Service, please contact us at hello@tomimoney.com.