Effective date: August 13, 2026

These Terms and Conditions govern purchases from and use of digital products provided by TalkinWithEmma. By purchasing, downloading, or using a product, you agree to these terms.

DIGITAL PRODUCTS

TalkinWithEmma provides educational digital products, including ebooks, worksheets, spreadsheets, checklists, templates, and related materials. Products are delivered electronically through Payhip after a successful purchase.

PERSONAL-USE LICENSE

Your purchase gives you a limited, nonexclusive, nontransferable license to use the product for your personal, noncommercial use.

You may:

• Download and store the files on your personal devices

• Print reasonable copies for your own use

• Complete and modify worksheets or spreadsheets for your own records

You may not:

• Share, resell, redistribute, sublicense, or upload the files

• Give copies to friends, relatives, clients, coworkers, or organizations

• Publish the product or any substantial portion of it online

• Remove copyright or ownership notices

• Use the product to create a competing product

• Use the product for commercial training, consulting, or client services without written permission

Each person who uses the product must purchase or otherwise receive an authorized license.

GENERAL INFORMATION ONLY

TalkinWithEmma products are provided for general educational and informational purposes only. They are not insurance, financial, legal, tax, investment, or other professional advice.

Nothing in these products creates an insurer-client, agent-client, attorney-client, financial-adviser, or other professional relationship.

Insurance policies, laws, requirements, exclusions, limits, prices, and availability vary by insurer, jurisdiction, and individual circumstances. Review your actual policy documents and consult a qualified insurer, licensed insurance professional, attorney, tax professional, financial professional, or other appropriate adviser regarding your situation.

NO GUARANTEED RESULTS

TalkinWithEmma does not guarantee that using a product will result in insurance coverage, claim approval, lower premiums, financial savings, acceptance by an insurer, or any other particular outcome.

You remain responsible for your decisions, applications, purchases, deadlines, policy selections, and communications with insurers and professionals.

ACCURACY AND UPDATES

We make reasonable efforts to provide useful and accurate information. However, information may become outdated, and errors or omissions may occur. We do not guarantee that every product will be complete, current, or suitable for every person or jurisdiction.

We may update products at our discretion but are not obligated to provide every future revision to previous purchasers unless required by law or expressly promised at the time of purchase.

PAYMENT AND DELIVERY

Payments are processed through Payhip and the payment provider selected at checkout. Digital files are normally available immediately after successful payment and may also be accessed through the link in the purchase receipt.

You are responsible for providing an accurate email address and maintaining access to your purchase information.

REFUND POLICY

We offer a seven-day refund period. To request a refund, contact TalkinWithEmma within seven calendar days of the original purchase date and include the email address used for the purchase and relevant order information.

After the seven-day period, purchases are generally nonrefundable except where required by applicable law. Additional details appear in our Refund Policy, which forms part of these Terms and Conditions.

TECHNICAL SUPPORT

If you experience difficulty accessing or downloading your purchase, contact TalkinWithEmma. We will make reasonable efforts to resolve legitimate delivery problems or provide a replacement for a missing or defective file.

INTELLECTUAL PROPERTY

All products, text, designs, graphics, worksheets, spreadsheets, templates, branding, and related materials are owned by TalkinWithEmma or used with permission and are protected by applicable intellectual-property laws.

Purchasing a product does not transfer ownership or grant rights beyond the personal-use license described above.

THIRD-PARTY SERVICES AND LINKS

Products and store pages may contain links to third-party websites or services. These resources are provided for convenience. TalkinWithEmma does not control and is not responsible for their content, availability, security, policies, or practices.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, TalkinWithEmma will not be liable for indirect, incidental, special, consequential, or punitive damages arising from the purchase or use of a product.

To the fullest extent permitted by law, TalkinWithEmma’s total liability relating to a product will not exceed the amount you paid for that product.

Nothing in these terms excludes or limits any right or liability that cannot legally be excluded or limited.

PRIVACY

Personal information associated with purchases, support requests, and store use is handled as described in our Privacy Policy. Payhip and payment processors maintain their own privacy practices.

TERMINATION

The personal-use license may be terminated if you materially violate these terms. Upon termination, you must stop using the product and delete or destroy unauthorized copies. Provisions concerning ownership, disclaimers, and limitations of liability survive termination.

CHANGES TO THESE TERMS

We may update these Terms and Conditions when our products, practices, or legal obligations change. Updated terms will be posted on this page with a revised effective date.

SEVERABILITY

If any portion of these terms is found unenforceable, the remaining portions will remain in effect to the extent permitted by law.

CONTACT

Questions about these Terms and Conditions may be directed to TalkinWithEmma at:

hello@talkinwithemma.com