Terms of service

<h2>Terms of service</h2>

<p>By buying from this store you agree to what follows. It is written plainly on purpose.</p>

<h3>1. What you are buying</h3>

<p>A digital guide in PDF form, for your own reading. Nothing physical is produced or shipped, and no subscription is created.</p>

<h3>2. What you may do with it</h3>

<p>Read it, keep it, print a copy for yourself, and move it between your own devices.</p>

<h3>3. What you may not do</h3>

<p>Resell it, republish it, upload it to a file-sharing service, or distribute it as your own work. The text and the artwork stay the property of Ramos Digital Ltd.</p>

<h3>4. Delivery</h3>

<p>The download link is emailed to the address given at checkout, normally within a minute of the payment clearing. The link does not expire. If it never arrives, see the Shipping and delivery policy.</p>

<h3>5. Prices</h3>

<p>All prices are shown and charged in US dollars. If your account is held in another currency, whatever your own bank charges to convert is a matter between you and them.</p>

<h3>6. This is not advice</h3>

<p>The guides are educational reading. They explain how budgets, credit files, savings arrangements, tax returns and investment products are built. Nothing in them is written with your situation in mind, and none of it constitutes <strong>advice on finance, law or tax</strong>. Where a choice turns on facts particular to you, put it to somebody regulated to answer it. We are not liable for decisions taken on the basis of general reading.</p>

<h3>7. Availability</h3>

<p>We try to keep the store up at all times and cannot promise it. Titles may be withdrawn or revised; anything you already bought stays yours.</p>

<h3>8. Governing law</h3>

<p>These terms are governed by the law of England and Wales.</p>

<h3>Who we are</h3><p>Ramos Digital Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.<br>Email: support@horizonco.online<br>Phone: +44 20 7240 3632<br>Support hours: Monday to Friday, 9:00 to 17:00 London time</p>