Terms

These terms govern your purchase and use of the digital book and this website. By buying the book or joining the readers’ list, you agree to them. Plain language, no tricks.

1. What you are buying. One digital book, a PDF titled Before You Touch Your Salary. It is delivered as an instant download on the confirmation page after a successful payment, and a payment receipt is emailed to you. The book is licensed for your personal use, not sold for redistribution.

2. Price and payment. Prices are shown at checkout, in the currency stated there, and include any tax that applies. Payment is taken on the secure page of our payment provider (card payments are handled by Stripe; any other method we offer is shown at checkout). Your full payment details are entered there and are never seen or stored by this website. The price shown at checkout is the price you pay. A launch price may rise over time on a fixed, published schedule, but whatever is displayed when you check out is what you are charged.

3. Discount codes. Discount codes, including the 25% code offered to readers’-list subscribers, are single-use unless stated otherwise, cannot be combined with other offers, and may carry an expiry date or be withdrawn at any time before use. You enter your code on the Stripe checkout page and the discount is applied before you pay.

4. Delivery. Because the book is a digital file, it is delivered immediately after payment, both on the confirmation page and as a download tied to your order. If a download fails, contact us and we will put it right.

5. Refunds. The book is a digital product delivered instantly. Because the download begins straight away, you agree that any statutory right to withdraw within fourteen days ends the moment the download starts. After that, refunds are not automatic: each request is judged on its own and may be granted or declined at our discretion. If something is genuinely wrong, such as a corrupted file or a duplicate charge, contact us and we will put it right. None of this removes the rights you hold under European Union consumer law, including for a file that is faulty or not as described.

6. Your licence to the book. Your purchase grants a personal, non-transferable licence to read the book on your own devices. Please do not resell it, share the file, or post it for others to download. The text, the cover, and the contents of this website remain the intellectual property of the author.

7. Not financial advice. The book is general educational reading. It is not personal financial, legal, investment, or tax advice for your situation, and it is not a promise of any particular result. Decisions about your money remain entirely your own.

8. The readers’ list. If you give us your email in exchange for the discount, you consent to receive the code and occasional emails. You can unsubscribe at any time using the link in any email, and we will stop sending them.

9. Liability. To the fullest extent permitted by law, the author and this website are not liable for any indirect or consequential loss arising from use of the book or the website. Nothing in these terms limits any liability that cannot lawfully be limited.

10. Changes, law, and contact. We may update these terms; the current version always lives on this page with the date below. These terms, and any sale made under them, follow applicable European Union consumer law; where the mandatory consumer-protection law that applies to you gives you stronger rights, those rights still apply. Questions? Email clippingclipperstv@gmail.com.

Last updated 2026.