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            TL;DR: This is primarily a small business selling digital products (ebooks, guides) to fund a chill lifestyle experiment. I also accept optional donations. I'm transparent about everything, provide quality products, and respect your privacy. Questions? Just email me! πΈ
         
        
        
            π Terms of Service
            Last updated: July 13, 2025
            
            What This Site Is
            This website ("Fund My Chill") is a personal business by RafaΕ, primarily selling digital products (ebooks, guides, etc.) to support a lifestyle focused on mindful living and financial independence. The site also accepts voluntary donations as a secondary support option.
            Digital Products & Sales
            When you purchase digital products from this site:
            
                - You receive a digital download link after payment
 
                - All sales are final - no refunds unless there's a technical issue preventing download
 
                - Products are for personal use only (no reselling or redistribution)
 
                - I retain all copyright and intellectual property rights
 
                - Technical support is provided for download issues within 30 days
 
            
            Donations (Secondary Option)
            Optional donations are:
            
                - Voluntary and non-refundable
 
                - Not tax-deductible (this is not a registered charity)
 
                - Made without expectation of specific returns or services
 
                - Used at my discretion for the stated goal of financial independence
 
            
            
                Important: Focus on purchasing products that provide value to you. Only donate if you want to support the experiment beyond product purchases.
            
            What You Can Expect
            For product purchases, I commit to:
            
                - Providing immediate download access after payment
 
                - Quality digital content as described in product listings
 
                - Technical support for download issues
 
                - Honest product descriptions and pricing
 
            
            For the overall site experience:
            
                - Monthly updates on my financial independence journey
 
                - Transparency about business progress
 
                - Maintaining this website and its content
 
                - Responding to reasonable customer service questions
 
            
            What I Don't Promise
            Beyond the specific products you purchase, I make no guarantees about:
            
                - Specific content creation schedules beyond paid products
 
                - Investment returns or financial success of my personal journey
 
                - Continued operation of this website indefinitely
 
                - Individual responses to all communications
 
                - Outcomes from following advice in my ebooks (educational content only)
 
            
            Prohibited Uses
            You may not use this site to:
            
                - Harass, threaten, or spam me or other users
 
                - Attempt to hack, disrupt, or damage the website
 
                - Misrepresent your identity or intentions
 
                - Use automated tools to scrape content
 
            
            Limitation of Liability
            This website and its content are provided "as is." I'm not liable for any damages, losses, or disappointments that may result from using this site or making donations. The maximum liability for any claim is limited to the amount you've donated.
         
        
        
            π Privacy Policy
            Last updated: July 13, 2025
            Information I Collect
            I collect minimal information to operate this business:
            
                - Purchase information: Name and email for digital product delivery
 
                - Email addresses: If you voluntarily subscribe to updates
 
                - Payment information: Processed through PayPal/payment providers (I don't store payment details)
 
                - Download tracking: To ensure product delivery and prevent abuse
 
                - Basic analytics: Website visits, pages viewed (via Google Analytics or similar)
 
                - Customer service: If you contact me directly via email
 
            
            How I Use Your Information
            Your information is used only to:
            
                - Process and deliver digital product purchases
 
                - Send purchase confirmations and download links
 
                - Provide customer support for technical issues
 
                - Send monthly updates (if subscribed)
 
                - Respond to your messages
 
                - Understand website usage patterns
 
                - Prevent fraud and protect against abuse
 
                - Comply with legal requirements if necessary
 
            
            Information Sharing
            I don't sell, rent, or share your personal information with third parties, except:
            
                - Payment processors (PayPal, Stripe) for purchase processing
 
                - Email service providers for sending product deliveries and updates
 
                - Digital delivery platforms for secure file hosting
 
                - If required by law or to protect legal rights
 
            
            Data Security
            I take reasonable measures to protect your information, including:
            
                - Using secure, encrypted connections (HTTPS)
 
                - Working with reputable third-party services
 
                - Limiting access to personal information
 
            
            
                Note: No method of transmission over the internet is 100% secure. While I strive to protect your information, I cannot guarantee absolute security.
            
            Your Rights
            You have the right to:
            
                - Unsubscribe from email updates at any time
 
                - Request a copy of information I have about you
 
                - Request deletion of your personal information
 
                - Correct any inaccurate information
 
            
            Cookies and Tracking
            This site may use cookies and similar technologies for:
            
                - Basic website functionality
 
                - Analytics to understand site usage
 
                - Remembering your preferences
 
            
            You can disable cookies in your browser settings, though some site features may not work properly.
         
        
        
            β οΈ Important Disclaimers
            Business Disclaimer
            This website operates as a small digital business selling educational and entertainment content. Any information about investments, savings, or financial strategies in my products is for educational purposes only and reflects my personal experience and opinions. Always consult with qualified professionals before making important decisions.
            Product Disclaimer
            Digital products sold on this site are for educational and entertainment purposes. While I strive to provide valuable content:
            
                - Results may vary based on individual circumstances
 
                - Content reflects personal opinions and experiences
 
                - No specific outcomes or results are guaranteed
 
                - Professional advice should be sought for serious matters
 
            
            No Guarantees
            While I'm committed to quality products and transparency, I cannot guarantee:
            
                - That my personal financial independence journey will be successful
 
                - Specific outcomes from following content in my products
 
                - Continuous operation of this website indefinitely
 
                - That my lifestyle experiment will achieve its goals
 
            
            Tax Considerations
            Product purchases are standard business transactions. Donations to this website are not tax-deductible (this is not a registered nonprofit or charity). Consult a tax professional if you have questions about tax implications.
            Content Accuracy
            While I strive for accuracy, information on this site may contain errors or become outdated. I'm not responsible for decisions made based on information found here.
         
        
        
        
        
            π Updates to This Policy
            I may update these terms and privacy policy occasionally. When I do:
            
                - I'll update the "Last updated" date at the top of each section
 
                - Significant changes will be mentioned in the monthly update emails
 
                - Continued use of the site after changes means you accept the updated terms
 
            
            I'll try to keep changes minimal and always in the spirit of maintaining a chill, transparent operation.