1. Products
All products sold on thesilentdebt.com are digital downloads (PDFs, spreadsheets, Notion templates). Delivery is handled by Gumroad. You receive access immediately after purchase.
2. Refund Policy
We offer a 7-day, no-questions-asked refund. Contact hello@thesilentdebt.com within 7 days of purchase with your Gumroad order number.
3. Licence
Purchasing a product grants you a personal, non-transferable licence to use it for your own purposes. You may not resell, redistribute, reproduce, or repackage any product — in whole or in part — without written permission.
4. Disclaimer
All content on thesilentdebt.com is for educational and informational purposes only. It does not constitute financial, legal, or professional advice. Results vary. Always consult a qualified professional for advice specific to your situation.
5. Limitation of Liability
thesilentdebt.com is not liable for any indirect, incidental, or consequential damages arising from the use of our products or website.
6. Governing Law
These terms are governed by the laws of Spain.