Last Updated: 01/2026
These Terms & Conditions (“Terms”) govern your purchase and use of digital products sold by CKF Financial LLC (“Company,” “we,” “our,” or “us”), including ebooks, templates, guides, frameworks, worksheets, and any related materials (the “Digital Product”).
By purchasing, downloading, accessing, or using our Digital Product, you agree to these Terms.
1) Digital Product & Delivery
The Digital Product is delivered electronically and no physical item will be shipped.
After purchase, you will receive access via:
- an on-screen download link, and/or
- an email containing the access link
You are responsible for providing a valid email address at checkout and ensuring you can receive emails from us.
If you do not receive your access link, please contact ckffinancial@outlook.com.
2) License & Permitted Use
When you purchase the Digital Product, you are granted a non-exclusive, non-transferable, revocable license to use the Digital Product for your personal use or internal business use only.
You may not:
- reproduce, copy, publish, resell, or redistribute the Digital Product
- share the Digital Product with others (including employees, contractors, friends, forums, or file-sharing sites)
- upload it to the internet or any shared drive
- claim ownership or authorship of the Digital Product
Unauthorized use may result in legal action.
3) Intellectual Property
All Digital Products and content (including text, graphics, downloads, and frameworks) are the sole property of CKF Financial LLC and are protected by intellectual property laws.
4) Educational Information Only / No Professional Advice
The Digital Product is provided for educational and informational purposes only and does not constitute professional advice.
We are not providing legal, tax, accounting, financial, or investment advice. You should consult licensed professionals regarding your specific situation.
5) No Earnings or Results Guarantees
We make no guarantees regarding specific results, business performance, revenue, profit, cash flow, or outcomes. Results depend on many factors, including your execution, market conditions, and your unique business circumstances.
6) Limitation of Liability
To the maximum extent permitted by law, CKF Financial LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) the Digital Product.
Our total liability for any claim relating to the Digital Product will not exceed the amount you paid for it.
7) Chargebacks & Disputes
If you have a problem with your purchase, you agree to contact us first at ckffinancial@outlook.com before filing a chargeback.
We reserve the right to dispute chargebacks by providing evidence of purchase, delivery, access, and agreement to these Terms.
8) Updates & Changes
We may update these Terms at any time. The current version will always be posted on our website or within our policy page.
9) Contact
Questions regarding these Terms may be sent to:
CKF Financial, LLC.
Email: ckffinancial@outlook.com
Last Updated: 01/2026
This Privacy Policy explains how CKF Financial LLC (“Company,” “we,” “our,” or “us”) collects, uses, and protects your information when you visit our website, submit your email, or purchase our Digital Products.
By using our website or purchasing from us, you consent to this Privacy Policy.
1) Information We Collect
We collect information in two ways:
Information You Provide
- Name (if provided)
- Email address
- Billing information (processed via a secure payment processor)
- Purchase details and transaction information
Automatically Collected Information
When you visit our website we may collect:
- IP address
- browser type and device
- pages visited and time spent
- referral source and general usage behavior
This may be collected using cookies, pixels, and analytics tools.
2) How We Use Your Information
We may use your information to:
- deliver your Digital Product
- provide receipts, confirmations, and access links
- provide customer support
- send product-related communication
- send marketing/educational emails (you may unsubscribe anytime)
- improve website performance and marketing campaigns
3) Email Communications
If you opt in or purchase, you may receive:
- transactional emails (receipts, download links, access instructions)
- follow-up emails related to your product
- marketing and educational emails
You can unsubscribe from marketing emails at any time using the “unsubscribe” link in the email.
4) Payment Processing
Payments are processed securely by third-party payment processors (such as Stripe and/or PayPal). We do not store your full credit card information.
Payment processors collect information according to their own privacy policies.
5) Cookies & Tracking
We use cookies and tracking technology to:
- understand site activity and performance
- improve user experience
- measure advertising results
You can disable cookies in your browser, but parts of the website may not function properly.
6) Sharing of Information
We do not sell your personal information.
We may share your information with trusted service providers that help us operate our business (example: email delivery platforms, payment processors, analytics tools). They only receive information necessary to perform their services.
7) Data Security
We take reasonable steps to protect your information, but no online transmission method is 100% secure. Therefore, we cannot guarantee absolute security.
8) Children’s Privacy
Our products are not intended for children under the age of 13, and we do not knowingly collect information from children.
9) Policy Updates
We may update this Privacy Policy from time to time. Updates will be reflected by the “Last Updated” date above.
10) Contact
For questions regarding this Privacy Policy, contact:
CKF Financial, LLC.
Email: ckffinancial@outlook.com
Last Updated: 01/2026
At CKF Financial, LLC., we want you to be confident in your purchase. That’s why we offer a 7-day money-back guarantee for our digital products.
1) 7-Day Guarantee
You may request a refund within 7 days of your original purchase date.
To request a refund, email [Insert Support Email] with:
- the email address used at checkout
- your order confirmation details (if available)
- a brief explanation of why the product wasn’t a fit
If your refund request qualifies under this policy, we will process it within a reasonable timeframe.
2) Digital Product Notice
Because this is a digital download, access is delivered immediately upon purchase.
By purchasing, you acknowledge that you may receive access and download the product immediately.
3) Abuse Prevention / Fair Use
We reserve the right to deny refund requests if we believe there is evidence of:
- excessive refund behavior
- chargeback threats used to bypass our support process
- misuse of the refund policy
- fraudulent or abusive purchase activity
This policy exists to protect legitimate customers and the business from fraudulent refund requests.
4) Non-Refundable Items
The following are not eligible for refunds:
- requests made after the 7-day window
- repeated purchases of the same product after a refund has already been issued
- technical issues caused by a user’s device, browser, or internet access (we will still try to help)
5) How Refunds Are Issued
Approved refunds are issued back to the original payment method used at checkout.
Processing times may vary depending on your bank or payment provider.
6) Contact
To request a refund, contact:
Email: ckffinancial@outlook.com