Terms of Use
Last updated: November 4, 2026
These Terms of Use apply to your use of www.emotionalspending.com and to the digital workbook offered on it. The website is operated by the operator of this website, the contact address shown on this website. By using the website or buying the workbook, you agree to these terms.
Purpose of this website
This website provides general education about the relationship between emotions, spending habits, and financial decisions, and offers the workbook It's Not About the Money for sale.
The digital product
The workbook is a digital product. A purchase provides the Printable PDF edition and the Interactive Fillable PDF edition as PDF files. No physical book is shipped.
Prices and payment
The price shown on this website is a one-time price in the stated currency, not a subscription. Payments are processed by Whop, an independent checkout provider, and Whop's own terms apply to the payment. This website does not receive or store your card details. Any taxes or fees are shown at checkout.
Delivery
After a successful payment, access to the files is provided electronically through your Whop account. If you cannot access your files, contact [email protected].
Personal-use license
When you buy the workbook, you receive a personal, non-exclusive, non-transferable license to download, print, and use it for your own personal, non-commercial use. You may print pages again for that personal use.
Intellectual property and restrictions
The website, the workbook, and their content, including the PAUSE framework as presented in the workbook, are protected by intellectual property laws. Unless the law allows it, you may not resell, share, publish, upload, redistribute, or create commercial products from the workbook or any part of it.
Educational disclaimer
The website and workbook provide general education and reflection. They are not personalized financial advice, psychotherapy, diagnosis, or medical treatment, and they do not replace professional support. The workbook draws on published research, but its 30-day program has not been clinically validated.
If spending repeatedly feels uncontrollable, causes severe distress, involves concealment, or threatens basic needs, consider a qualified mental health professional and, when appropriate, a nonprofit or regulated debt adviser.
No promise of financial outcomes
We do not promise that you will save money, reduce debt, or achieve any particular financial or emotional result. Outcomes depend on many circumstances beyond our control.
Refunds and withdrawal
Because our workbook is a digital product and access to downloadable content is provided electronically, purchases are generally final once digital access has been supplied.
We encourage you to review the product description and available preview pages before purchasing.
If you experience a technical delivery problem, receive an incorrect file, or believe the product is not as described, please contact [email protected] so we can review and resolve the issue.
Nothing in this policy limits any rights or remedies available to you under applicable consumer protection laws. Where the law gives you a right to withdraw from a digital purchase, that right may end once delivery begins with your express consent and acknowledgement.
Limitation of liability
To the extent permitted by law, the website and workbook are provided as they are, and we are not liable for indirect or consequential losses arising from their use. Our total liability relating to a purchase is limited to the amount you paid for it. Nothing in these terms excludes liability that cannot legally be excluded.
Consumer rights
Nothing in these terms affects mandatory rights you have as a consumer under the law of the country where you live.
Governing law
These terms are governed by the law of the place where the operator is established, without limiting mandatory consumer protections that apply to you.
Changes and contact
We may update these terms. The version published on this page applies from the date shown above, and changes do not affect purchases already completed. Questions can be sent to [email protected].