Refund Policy for Digital Products
Digital Products Purchase Terms of Agreement
The purchase of digital products, including PDF downloads and online material is subject to the following terms and conditions. Customers should review carefully before making any purchase.
All transactions for purchase of intangible or electronic products and digital file downloads are made through payment gateways that use SSL encryption. These payment gateways are safe and secure for using all types of credit cards and debit cards. Your payment information is not stored during this process.
Delivery of Goods
If you do not receive the digital product link upon purchasing, you can immediately contact us at firstname.lastname@example.org with your transaction details and payment details to ensure your digital product is delivered as quickly as possible.
Digital Products Refund Policy
Because your purchased product is a digital product, it is deemed “used” after download or opening. For this reason, all purchases of our digital products are non-refundable or exchangeable. In other words, since the digital products made available here are intangible, we are not able to offer refunds on these products.
However, we understand that exceptional circumstance can take place. Therefore, we WILL honor requests for refunds in the following circumstances:
• Digital products which explicitly state a full or partial refund is based on a satisfaction guarantee;
• Digital products which were not properly delivered due to some fault on our part; and
• Digital products which have major defects that render the product unusable under any circumstances.
Clear evidence of the circumstances justifying refund must be provided by the purchaser. Complaints which are based merely on the purchaser’s subjective expectations or wishes will not be refunded.
We do not bear responsibility—and therefore we do not satisfy any refund/return/exchange requests—based on incompatibility of our products with third-party software other than those which are specified as compatible in the product description. We offer no guarantee that our products are fully compatible with any third-party programs and we cannot provide support for third-party applications.
Requests for refunds under the above-listed circumstances can be made by contacting us at email@example.com within ONE (1) week after the order is placed. You should accompany this request with detailed reasons why you are applying for a refund.
This privacy notice discloses our privacy policies and practices for http://www.thebellwetherlife.com The privacy notice applies solely to information collected by this website. It will notify you of the following:
1. Which personal information is collected from you via the website, how that information is used and with whom that information may be shared.
2. The choices that are available to you regarding the use of your data.
3. All security procedures in place to protect the misuse of your information.
4. The ways by which you may correct inaccuracies in the information.
INFORMATION COLLECTION, USE, AND SHARING
We are the only owners of all information collected on and by this website. We shall only have access to or collect information that you voluntarily give us via email or other direct forms of contact from you. We will not sell or rent your information to anyone.
We will use your information to respond to you, in reference to the reason you contacted us. We will not share your information with any third party outside of our organization, except as necessary to fulfill your request (for example, to ship an order).
YOUR ACCESS TO AND CONTROL OVER INFORMATION
You may opt out of any future contacts from us at any time. You can do so by contacting us via the email address or phone number listed on our website. You can also request the following:
• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.
We take all appropriate precautions to protect your information. When you submit sensitive information via our website, your information is protected both online and offline.
Any time we collect sensitive information (like credit card data), that information is encrypted and transmitted to us securely.
We also protect your information offline. Only employees who need the information to perform a specific job (e.g., billing or customer service) are given access to your personal information. The computers/servers in which we store personal information are also kept in a secure environment.
Please note that this website contains links to other sites. We are not responsible for the content or privacy practices of such other sites. We encourage users of our website to be aware when they leave our website and to read the privacy statements of any other website that collects personal information.
Please note that we use “cookies” on this website. A cookie is a piece of data stored on a website visitor’s hard drive to help us improve your access to our website and identify repeat visitors to our website. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our website. Cookies can also enable us to track and target the interests of our users to enhance the experience on our website. Usage of a cookie is in no way linked to any personal information on our website.
We may share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.
We frequently use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies will not retain, share, store or use personal information for any secondary purposes beyond filling your order.
We partner with another party to provide certain services. When a user signs up for these services, it is our policy to share names, or other contact information that is necessary for the third party to provide these services. However, these parties are not permitted to use personal information except for the purpose of providing these services.
Surveys & Contests
Our website sometimes requests information via surveys or contests. Participation in these surveys or contests is always completely voluntary. You may choose whether or not to participate and therefore disclose this information. Information requested during these surveys or contests may include contact information (like name and shipping address), and demographic information (like zip code, age group, etc.). Contact information will be used to notify winners and award prizes. Survey information will be used for monitoring or improving the use and satisfaction of this website.
We require certain information from you on our order form. To buy from us, you must provide contact information (such as name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders only. However, if we have trouble processing an order, we’ll use this information to contact you.
Terms and Conditions
These terms and conditions govern all users’ use of this website. By using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
[You must be at least  years of age to use this website. By using this website [and by agreeing to these terms and conditions] you warrant and represent that you are at least  years of age.]
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you regard the terms and conditions set forth above to be unreasonable, you must not use this website.
Breaches of these terms and conditions
Without prejudice to The Bellwether Life (“the Company”) other rights under these terms and conditions, any breach of these terms and conditions in any way shall allow the Company to take such action as the Company deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
Limitations of liability
The Company will not be liable to you in any way in relation to the contents of, or use of, or otherwise in connection with, this website:
• for any direct loss;
• for any indirect, special or consequential loss; or
• for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even where the Company has been expressly advised of the potential loss.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without the Company’s express written consent.
License to use website
Unless otherwise stated, the Company and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You may not:
• republish material from this website (including republication on another website);
• sell, rent or sub-license material from the website;
• show any material from the website in public; or
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose.
This website is provided “as is” without any representations or warranties, express or implied. The Company makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, the Company does not warrant that:
• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the Company’s liability in respect of any:
• death or personal injury caused by the Company’s negligence or alleged negligence or willful conduct;
• fraud or fraudulent misrepresentation on the part of the Company; or
• matter which it would be illegal or unlawful for the Company to exclude or limit, or to attempt or purport to exclude or limit, its liability.
The Company may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with all relevant and governing law, and any disputes relating to these terms and conditions will be subject to the jurisdiction of the courts of Pulaski County, KY.
Your use of this website signifies your agreement to indemnify the Company and undertake to keep the Company indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by the Company to a third party in settlement of a claim or dispute on the advice of the Company’s legal advisers) incurred or suffered by the Company arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
The Company may transfer, sub-contract or otherwise deal with the Company’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
However, the user may not transfer, sub-contract or otherwise deal with his or her rights and/or obligations under these terms and conditions.
These terms and conditions constitute the entire agreement between you and the Company in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.