📃 Terms & Policies

Effective date: 29 June 2025
Owner: NoDebtEducation
Applies to: nodebteducation.com
and all its subdomains

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1. Privacy Policy

We collect and process your personal data—including your name, email address, and payment information—when you subscribe to updates or make a purchase on our website.

This data is securely stored using Tilda CRM and Stripe.

We use your data to:
• Send you email updates, educational materials, and relevant offers
• Process payments and deliver purchased content
• Analyze website performance via tools such as Google Analytics or Meta Pixel

We may share your data with trusted services that enable our website to function (e.g., Tilda, Stripe, Google, Meta).

You have the right to:
• Request access to your data
• Request deletion of your data
• Unsubscribe at any time via email links

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2. Terms of Service

By using our website, you agree to the following:
• You are at least 18 years old or have permission from a legal guardian
• You will use the website in a lawful and respectful manner
• All products and services are provided “as is” and may be updated at any time
• Payments are securely processed via Stripe; your full payment data is not stored on our servers
• Any disputes shall be governed by the laws of Finland

We reserve the right to suspend service, refuse payment, or cancel orders in cases of fraud or misuse.

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3. Refund Policy

If you purchase a digital product (e.g., downloadable guide, course access), you may request a refund within 10 days of purchase only if the product has not been downloaded, opened, or accessed.

Once the product is accessed or delivered, all sales are considered final and non-refundable.

Refunds are issued to the original payment method, excluding any processing fees charged by Stripe.

To request a refund, contact us at: nodebteducation@gmail.com

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4. Cookie Policy

We use cookies and similar technologies to:
• Improve your browsing experience
• Analyze how visitors interact with the site
• Support advertising efforts (e.g., Facebook Pixel, Google Analytics)

By using this website, you agree to our use of cookies. You may disable cookies at any time via your browser settings.

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5. Consent Notice

By submitting your email or clicking any action button such as
“Subscribe”, “Proceed to Payment”, or similar:

✅ You confirm that you have read, understood, and accepted our
Privacy Policy, Terms of Service, Refund Policy, and Cookie Policy.

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📩 Contact

If you have any questions or concerns, please contact us:
📧 nodebteducation@gmail.com