These Terms & Conditions govern the purchase and use of digital products and clarify that the sale of these products constitutes an incidental activity and does not amount to an economic or professional business activity under commercial law offered by Rafał Maryniak (hereinafter referred to as "the Seller").

By purchasing any of our digital products (e.g., ebooks, PDF guides, or related educational content) via this website, you agree to the following terms:

1. Seller Information

Rafał Maryniak operates as a private individual offering digital products on a non-professional basis (incidental sale). This offering does not constitute a business activity under commercial law.

2. Product Description

The digital products consist of educational ebooks and guides in PDF or similar format. All products are delivered electronically and immediately upon completion of payment.

3. Pricing and Payment

The total price is displayed in EUR. Payment is processed securely via third-party payment providers (Stripe, PayPal, Apple Pay). The Seller does not directly process or store your payment details.

4. Delivery

After completing the payment, you will receive immediate access to download the purchased digital products. If you do not receive your product(s), please contact us at the email provided.

5. Right of Withdrawal (Digital Content)

In accordance with EU consumer protection law, by purchasing and downloading the digital content immediately, you acknowledge and agree to lose your 14-day right of withdrawal.

6. Intellectual Property

All content within our digital products is protected by copyright. Redistribution, resale, or modification of any content without written permission is strictly prohibited.

7. Refund Policy

We offer a 14-day money-back guarantee for digital products. This guarantee is provided voluntarily and does not constitute a statutory requirement. If you find any product unsatisfactory, you may request a full refund by contacting us via email within 14 days of purchase. This refund policy applies exclusively to digital content and is offered voluntarily, beyond statutory obligations.

8. Limitation of Liability

The Seller shall not be held responsible for any decisions made based on the information provided in the products. All content is educational and informational in nature, and not intended as financial, legal, or professional advice. The user bears full responsibility for any actions taken based on the information provided.

9. Governing Law These terms shall be governed by and construed in accordance with the laws of Poland and applicable EU consumer protection laws.

10. Contact: For support or inquiries, please contact: info@ralphinvesting.com