Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the "15-Minute Money Check-In" digital product (the "Product"), offered by Owlie Bowlie, Anja Blazinšek s.p. ("Owlie Bowlie," "we," "us," or "our"). By purchasing, accessing, or using the Product, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Product.1. The Product
The "15-Minute Money Check-In" is a digital, downloadable PDF checklist designed to help users gain clarity and control over their personal finances. It is a tool for self-organization and is not intended to provide financial, legal, tax, or investment advice. You are solely responsible for your financial decisions and actions.2. User Obligations
You agree to use the Product only for lawful and personal purposes. You must not:- Share, distribute, reproduce, or resell the Product, in whole or in part, without our express written consent.- Misuse the Product or our website by introducing malicious software or attempting unauthorized access to our systems.- Use the Product in any way that infringes upon the rights of others or restricts their use and enjoyment of our services.3. Payment and Access
- The Product is available for a one-time payment of $4.99 (or the equivalent in your local currency).- Upon successful payment, you will receive instant digital access to the Product.- We reserve the right to change the price of the Product at any time without prior notice.4. Intellectual Property
All content, design, and materials included in the Product, including but not limited to the PDF checklist, text, graphics, and underlying concepts, are the exclusive property of Owlie Bowlie, Anja Blazinšek s.p., and are protected by copyright and other intellectual property laws. Your purchase grants you a personal, non-exclusive, non-transferable license to use the Product for your individual, non-commercial purposes only.5. Disclaimer of Warranties
The Product is provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Product will meet your specific financial goals or that its use will be uninterrupted or error-free. Your use of the Product is at your sole risk.6. Limitation of Liability
To the fullest extent permitted by applicable law, Owlie Bowlie, Anja Blazinšek s.p. shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Product; (ii) any conduct or content of any third party on the Product; (iii) any content obtained from the Product; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.7. Refunds
We offer a 30-day money-back guarantee. If you are not completely satisfied with the Product within 30 days of purchase, you may request a refund. To be eligible for a refund, you must:- Provide valid proof of purchase.- Demonstrate that you have genuinely attempted to use the Product (e.g., by showing screenshots of the filled-out checklist or describing your efforts).- Submit your refund request to [email protected]
We reserve the right to deny refund requests that do not meet these conditions or if we suspect abuse of our refund policy.8. Governing Law and Jurisdiction
These Terms shall be governed and construed in accordance with the laws of Slovenia and the European Union, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Slovenia.9. Changes to These Terms
We reserve the right to modify or replace these Terms at any time. We will indicate at the top of these Terms the date they were last revised. By continuing to access or use our Product after those revisions become effective, you agree to be bound by the revised terms.10. Contact Us
If you have any questions about these Terms, please contact us at [email protected]By using "15-Minute Money Check-In" One-Page Money Checklist, you agree to these Terms and Conditions.