Refund and Returns Policy

TERMS AND CONDITIONS

**Terms and Conditions of Use**

**1. Acceptance of Terms**

By accessing or using this website BlackBeltBudgeting.com, you agree to comply with and be bound by these Terms and Conditions of Use (“Terms”). If you do not agree to these Terms, please do not use the Site.

**2. No Refund Policy**

All purchases made through the Site are non-refundable. We do not provide refunds or exchanges for our products/services, unless otherwise explicitly stated.

**3. Results Are Not Typical**

Any results or outcomes mentioned on the Site are not typical. Individual results may vary, and the success of any product or service depends on various factors. We make no guarantees regarding the effectiveness or success of our products/services.

**4. Collection of Data**

By using the Site, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

**5. Intellectual Property**

All content on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of [Your Company Name] and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Site without our prior written consent.

**6. Disclaimer of Warranties**

The Site is provided “as is” and without warranties of any kind, either express or implied. [Your Company Name] disclaims all warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

**7. Limitation of Liability**

Black Belt Budgeting shall not be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of or inability to use the Site, including but not limited to, damages for loss of profits, use, data, or other intangible property.

**8. Changes to Terms**

Black Belt Budgeting reserves the right to change, modify, or revise these Terms at any time. Your continued use of the Site following the posting of changes will indicate your acceptance of such changes.

**9. Governing Law**

These Terms are governed by and construed in accordance with the laws ofth estate of Texas. Any disputes arising out of or related to these Terms will be subject to the exclusive jurisdiction of the courts in The State of Texas