Digital Products Refund Policy and Purchase Terms of Agreement

Please read the following carefully before making any purchase of digital products, including PDF downloads and online materials, on Your access and use of these digital products are subject to the terms and conditions outlined below.

Payment and Refund Policy:

1. Transaction Security: All transactions involving the purchase of intangible products, such as PDF downloads, resource materials, and online content, are processed through secure payment gateways, including PayPal or Stripe, which utilize SSL encryption. These payment gateways ensure the safety and security of your payment details, as they are not stored during the transaction process.

2. Non-Refundable Digital Products: As digital products are considered “used” upon download or opening, all purchases made on are non-refundable and non-exchangeable. Given the intangible nature of the products, a strict no-refund policy is enforced.

3. Modification of Information: Michael Cloke reserves the right to modify any information, including prices, technical specifications, terms of purchase, and product or service offerings, without prior notice. It is the responsibility of the consumer to stay informed about any changes that may affect their purchase.

Delivery of Goods and Services:

If you encounter any issues with the delivery of the digital product link after making a purchase, please promptly contact us with your transaction/payment details. We will ensure that your product is delivered expeditiously.

By proceeding with the purchase of digital products on, you acknowledge that you have read, understood, and agree to abide by the terms and conditions outlined in this refund policy and purchase agreement. These terms may be subject to periodic updates, and it is recommended to review them regularly to stay informed.