Terms of Service

Effective: February 26, 2026

These Terms of Service ("Terms") govern your use of the PoiseFi website (poisefi.com) and any digital products purchased through it. By using our site or purchasing our products, you agree to these Terms.

Products and Delivery

PoiseFi sells digital products including spreadsheets (Excel/Google Sheets) and PDF guides. After purchase:

• You receive immediate access to download your files
• Products are delivered via Systeme.io's secure download platform
• You will also receive an email with access instructions

Refund Policy

We offer a 30-day money-back guarantee. If you're not satisfied with your purchase, email support@poisefi.com within 30 days of purchase for a full refund. No questions asked.

License and Usage

• You receive a personal use license — you may use the products for your own financial planning
• You may not redistribute, resell, or share the files publicly
• You may not claim the products as your own or remove PoiseFi branding
• Sharing with immediate household members for shared financial planning is permitted

Financial Disclaimer

PoiseFi is not a financial advisor. Our products are financial organization and education tools. They do not constitute financial, investment, tax, or legal advice. You should consult qualified professionals for advice specific to your situation.

Results from using our products vary based on individual circumstances. We make no guarantees about specific financial outcomes.

Accuracy of Information

We strive to keep our tools accurate and up-to-date, but financial rules, tax laws, and interest rates change. You are responsible for verifying that any calculations or information apply to your current situation.

Account and Email

• When you provide your email, you may receive marketing emails from PoiseFi
• You can unsubscribe at any time using the link in every email
• You are responsible for providing a valid email address for product delivery

Intellectual Property

All content on poisefi.com — including text, design, spreadsheet formulas, PDF guides, graphics, and the PoiseFi brand — is owned by PoiseFi and protected by copyright. Unauthorized reproduction or distribution is prohibited.

Limitation of Liability

To the fullest extent permitted by law, PoiseFi shall not be liable for any indirect, incidental, or consequential damages arising from the use of our website or products. Our total liability is limited to the amount you paid for the product in question.

Third-Party Services

Our site may contain links to third-party websites and services (Stripe, Systeme.io, Meta). We are not responsible for the content or practices of these external sites. Their use is governed by their own terms and policies.

Modifications

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the United States. Any disputes will be resolved in accordance with applicable federal and state law.

Contact Us

Questions about these Terms? Email us at support@poisefi.com.