Digital Product Policy

R. Payne LLC

Thank you for purchasing a digital resource from R. Payne LLC. Our digital products are created to provide entrepreneurs with financial education, tools, and resources to help build stronger financial foundations.

Please review the following policy before purchasing and accessing any digital materials.

1. Digital Product Access

All digital products, including workbooks, guides, templates, courses, videos, and downloadable resources, are delivered electronically.

Upon successful purchase, you will receive access instructions through the designated delivery method.

Customers are responsible for providing accurate contact information to ensure successful delivery.

2. Refund Policy

Due to the digital nature of our products and the immediate access provided after purchase, all sales are final and non-refundable.

We encourage customers to carefully review the product description, included resources, and requirements before purchasing.

If you experience technical issues accessing your product, please contact us for assistance.

3. Personal & Business Use Only

Your purchase provides access for your personal or individual business use only.

You may:

✔ Download and use the materials for your own business education
✔ Complete worksheets and templates for your business planning purposes

You may not:

✘ Share purchased materials with others
✘ Copy, reproduce, or distribute content
✘ Resell or modify resources for commercial use
✘ Use materials to create competing products, trainings, or resources

4. Intellectual Property Rights

All digital products, content, frameworks, worksheets, videos, graphics, designs, and materials are the intellectual property of R. Payne LLC unless otherwise stated.

Purchasing a product provides access to use the materials; it does not transfer ownership rights.

All rights are reserved.

5. Educational Purposes Only

Digital resources provided by R. Payne LLC are designed for educational and informational purposes only.

Products do not replace personalized accounting, tax, legal, investment, or financial advice.

Purchasing or using a digital product does not create an accountant-client, tax professional-client, advisor-client, or any other professional relationship with R. Payne LLC.

A professional relationship is only established through a separate written agreement outlining specific services, responsibilities, and terms.

6. No Guarantee of Results

Individual results may vary.

R. Payne LLC does not guarantee specific:

financial outcomes
tax savings
business growth
increased revenue
profitability results

Success depends on many factors, including implementation, individual circumstances, and business decisions.

7. Updates & Changes

R. Payne LLC may update, revise, or modify digital products at any time to improve quality, accuracy, or reflect changes in information.

Access to future updates is not guaranteed unless specifically included in the product description.

8. Technology Requirements

Customers are responsible for ensuring they have the necessary technology needed to access and use digital products.

This may include:

internet access
PDF reader
compatible software for templates/resources
access to course platforms when applicable

9. Unauthorized Distribution

Unauthorized sharing, reproduction, or distribution of purchased materials is prohibited.

R. Payne LLC reserves the right to take appropriate action to protect its intellectual property.

Contact Information

For questions or assistance regarding your digital product purchase:

R. Payne LLC
DBA R. Payne Financial & Tax Solutions

Email: hello@rpayne.org
Website: www.rpayne.org

R. Payne Financial & Tax Solutions is a DBA of R. Payne LLC.