These Terms and Conditions ("Terms") govern your purchase and use of the digital product "How TF Do I Buy a House?" (the "Guide"), sold through this website (howtfdoibuyahouse.com, the "Site"). By completing a purchase, you agree to be bound by these Terms. Please read them carefully before buying.

All payments are processed by Lemon Squeezy, who acts as the Merchant of Record for this transaction. When you purchase the Guide, you are purchasing from Lemon Squeezy, which then licenses the product to you on behalf of How TF Do I Buy a House? By completing your purchase, you also agree to Lemon Squeezy's Buyer Terms & Conditions.

"How TF Do I Buy a House?" is a downloadable PDF guide created for first-time homebuyers. It covers topics including debt-to-income ratios, credit reports, down payment strategies, the homebuying process, and finding an agent. The Guide is for general informational and educational purposes only.

Upon successful payment, you will receive access to download the Guide via a link provided by Lemon Squeezy. You are purchasing a personal, non-transferable, non-exclusive license to access and use the Guide for your own private, non-commercial purposes.

Because the Guide is a digital product delivered immediately upon purchase, all sales are generally final. Given that the product is accessible and downloadable immediately after payment, we do not offer refunds as a standard policy.

That said, we want you to be satisfied. If you experience a technical issue that prevents you from accessing or downloading the Guide, please contact us within 7 days of purchase at howtfdoibuyahouse@gmail.com and we will work to resolve it promptly.

All content in the Guide — including text, layout, design, graphics, and structure — is the original intellectual property of How TF Do I Buy a House? and is protected by copyright law. Your purchase grants you a personal, non-exclusive license to read and use the Guide for your own private purposes only.

You may NOT:

• Reproduce, copy, or distribute the Guide (in whole or in part) without written permission
• Resell, sublicense, or share access to the Guide with others
• Claim the Guide or its contents as your own work
• Use the Guide for commercial purposes without a separate written license

Unauthorized use of the Guide constitutes copyright infringement and may result in legal action.

The Guide is provided for educational and informational purposes only. It does not constitute financial, legal, mortgage, tax, or real estate advice. The information reflects general knowledge and the personal experience of the author. Real estate markets, lending requirements, and laws vary by location and change over time.

How TF Do I Buy a House? makes no representations or warranties — express or implied — about the accuracy, completeness, or suitability of the information contained in the Guide for any particular purpose. Your use of the Guide is entirely at your own risk.

To the maximum extent permitted by applicable law, How TF Do I Buy a House? shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on the Guide. This includes, but is not limited to, financial losses related to home purchases or mortgage decisions.

By purchasing and using the Guide, you confirm that:

These Terms are governed by and construed in accordance with the laws of the State of South Carolina, United States, without regard to conflict of law principles. Any disputes arising from these Terms or your purchase shall be resolved in the courts of South Carolina.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site or Guide after any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.