Effective Date: April 27, 2026

Owner/Operator: Tina Williams

Websites & Platforms Covered These Terms & Conditions apply to all digital products, templates, and content offered by Tina Williams, including but not limited to those sold or accessed through our official website tinawilliams.co, as well as affiliated platforms such as Systeme.io, YouTube, Instagram, and any other official sales or content channels.

Introduction These Terms and Conditions ("Terms") govern your use of all digital products, spreadsheets, guides, and templates ("Products") provided by Tina Williams ("Company", "we", "our", or "us"). By checking the box on our checkout page and completing your purchase, you ("Customer", "You", or "Your") agree to be bound by these Terms.

PLEASE READ THESE TERMS CAREFULLY BEFORE MAKING A PURCHASE. BY COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.

1. All Sales Are Final

Due to the immediate, digital nature of our products, all sales are final. Once access is granted or files are downloaded, we cannot offer refunds, returns, or exchanges. By completing your purchase, you agree to these terms.

2. Personal Use License

Your purchase grants you one (1) non-transferable, non-exclusive license for personal use only. You may not share, resell, redistribute, or use any part of these files, videos, or templates for commercial purposes. Unauthorized sharing of digital files or access links is strictly prohibited and a violation of copyright.

3. Professional Disclaimer

The content provided through this website and within our digital products is for educational and organizational purposes only. The creator is a Registered Dental Hygienist sharing personal systems and is not a licensed financial advisor, CPA, or attorney. Nothing in these products constitutes professional financial, legal, or tax advice. Always consult with a qualified professional before making significant financial decisions.

4. Technology & Compatibility

It is the user’s responsibility to ensure they have the necessary software (such as Google Sheets or a PDF reader) to use the digital products. While we strive for technical accuracy, we are not responsible for user-end modifications that result in broken formulas or layout issues.

5. Consent

By completing your purchase, you signify your agreement to these Terms and Conditions.