Terms & Conditions

Effective Date: 12/05/2025

Welcome to Debtwise Collective. By accessing or using our website (the “Site”) and purchasing our digital products (the “Products”), you agree to be bound by the following Terms and Conditions. Please read them carefully before making a purchase.

1. Use of Website

This website and all content are owned by Debtwise Collective. You agree to use the Site and Products only for lawful purposes and in a way that does not infringe upon the rights of others or restrict or inhibit their use and enjoyment.

2. Intellectual Property

All digital content, guides, workbooks, templates, and other materials available on this website are the intellectual property of Debtwise Collective and are protected by copyright laws. You may not reproduce, resell, distribute, or share any product without express written permission.

3. Digital Product Delivery

All products sold are digital and delivered via download. No physical products will be shipped. Once payment is successfully processed, you will receive a link to access your product. Please ensure your email is entered correctly during checkout.

4. Refund Policy

Due to the digital nature of our products, all sales are final. We do not offer refunds or exchanges. 

5. Limitation of Liability

Debtwise Collective is not liable for any damages or losses resulting from your use of the Site or Products. This includes, but is not limited to, indirect, incidental, punitive, or consequential damages.

6. Disclaimer

The content and materials provided by Debtwise Collective, including all digital products such as the "Debt-Free in 30" guide, are for educational and informational purposes only. They do not constitute financial, legal, or professional advice. Always consult with a licensed financial advisor or qualified professional before making financial decisions. Your use of our Products does not create a client-professional relationship.

7. Modifications

We reserve the right to update or change these Terms and Conditions at any time. Changes will be effective immediately upon posting. Continued use of the website or purchase of products after changes are made constitutes acceptance of those changes.

8. Governing Law

These Terms shall be governed and interpreted under the laws of the United Kingdom