Legal

Terms of use

Last updated July 28, 2026.

Wendy: this is a plain-language starting point, not legal advice. Fill in every square-bracket blank, and have someone qualified check it if you start selling at volume or outside the US.

Who you're buying from

This site is run by Wendy Sewick, a sole proprietor based in Omaha, Nebraska, United States. Contact: [email protected].

What you're buying

Everything sold here is a digital product — a PDF file you download. Nothing is physically shipped. You need a device that can open a PDF, and a printer if you want paper copies.

What you can do with it

When you buy a product you get a personal, non-transferable license to use it. You may:

• Print it as many times as you like, for yourself and your household
• Keep it and re-download it for as long as it's available
• Write on it, digitally or on paper

What you can't do with it

• Resell, sublicense, or give away the file
• Share the download link publicly
• Claim it as your own work, or sell it as part of a bundle
• Use it as a template for a competing product

The design, wording and layout remain my copyright.

Payment

Checkout is handled by Payhip, who process your payment and deliver your file. I never see or store your card details. Prices are in US dollars. Where sales tax or VAT applies, it's calculated and remitted at checkout.

No guarantees about outcomes

These are planning tools. They are not medical, psychological, financial or legal advice, and nothing here is a substitute for care from a qualified professional.

Availability

I may change prices, update products, or stop selling something. If you've already bought a product, that doesn't affect your copy.

Changes to these terms

If these terms change, the updated version goes up on this page with a new date.

Governing law

These terms are governed by the laws of Nebraska, the United States.