Terms of Service — The 28 File

Welcome

These Terms of Service ("Terms") govern your access to and use of The 28 File website and product. By purchasing or using The 28 File, you agree to these Terms.

What You're Buying

The 28 File is a digital organizational guide and template. It is delivered electronically immediately after purchase. You receive a personal, non-transferable license to use it for yourself and your immediate family.

Not Legal, Financial, or Medical Advice

The 28 File is an organizational tool. It is not a will, trust, power of attorney, or any other legal document. It is not a substitute for advice from a lawyer, financial planner, accountant, or medical professional. Please consult appropriate professionals for your specific situation.

Your Content and Responsibility

You are responsible for the accuracy of the information you enter into your 28 File and for keeping it secure. We strongly recommend storing your completed file in a private, encrypted location and sharing it only with people you trust.

Intellectual Property

All content, design, and materials that make up The 28 File are owned by us and protected by copyright. You may not resell, redistribute, or share the product file publicly. Personal use within your household is permitted and encouraged.

Refunds

Because The 28 File is a digital product delivered immediately, all sales are generally final. If something went wrong with your order or you didn't receive your download, please email hello@the28file.com within 14 days and we will make it right.

Disclaimer of Warranties

The 28 File is provided "as is," without warranties of any kind, express or implied. We do our best to keep it accurate and helpful, but we cannot guarantee it will meet every individual circumstance.

Limitation of Liability

To the fullest extent permitted by law, The 28 File and its team will not be liable for any indirect, incidental, or consequential damages arising from your use of the product. Our total liability is limited to the amount you paid for the product.

Changes

We may update these Terms over time. Continued use of the website or product after changes are posted means you accept the revised Terms.

Contact

Questions about these Terms? Email hello@the28file.com.