Terms and Conditions
Income of Her Own, operated by Amanda Paton Consulting Ltd.

Article 1 — Scope of Application
These terms and conditions apply to all transactions completed through the Income of Her Own website(s), operated by Amanda Paton Consulting Ltd. Any individual who places an order validated through our secure payment platform is considered a "customer" for purposes of these terms.

Article 2 — Age Requirement
Our products are intended for adults. By placing an order, you confirm that you are at least 18 years of age.

Article 3 — Orders
Placing an order on this site constitutes full acceptance of these terms and conditions.

Article 4 — Pricing
Prices are listed in US dollars and include all applicable taxes unless stated otherwise. Prices may change at any time; the price charged will be the price displayed at the time your order is placed.

Article 5 — Payment
Payment is due in full at the time of purchase. Payments are processed securely through Stripe. [Confirm accepted card types directly against your Stripe account settings before publishing — don't state which cards are or aren't accepted unless you've verified it.] Stripe is responsible for the security of its payment processing systems; Amanda Paton Consulting Ltd. is not liable for issues arising from Stripe's systems.

Article 6 — Digital Delivery
All products sold through Income of Her Own are digital products delivered electronically. Access is provided immediately upon successful payment, typically via a download link and/or confirmation email.

Article 7 — Refund Policy
Because our products are digital and delivered immediately upon purchase, all sales are final. We do not offer refunds or money-back guarantees. Please review product details carefully before completing your purchase.

Article 8 — Educational Purpose
Our products provide general educational and business-planning information. They do not constitute legal, tax, accounting, financial, medical, or other regulated professional advice. Any examples, price ranges, or sales projections included in our products are illustrative only and are not guarantees of income, results, or market demand. Results depend on factors outside our control, including your own effort, execution, and market conditions.

Article 9 — Intellectual Property
All content, including guides, blueprints, worksheets, and related materials, is the copyrighted property of Amanda Paton / Amanda Paton Consulting Ltd. No part of any product may be reproduced, distributed, resold, or transmitted without written permission, except for brief quotations permitted by law.

Article 10 — Personal Data Protection
We collect and use personal data (such as your name and email address) in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). By providing your information, you consent to receiving emails from us related to your purchase and, where you've opted in, marketing communications. You may unsubscribe at any time using the link provided in every email.

Article 11 — Limitation of Liability
Amanda Paton Consulting Ltd. is not liable for indirect, incidental, or consequential damages arising from the use of our products, to the fullest extent permitted by law.

Article 12 — Governing Law
These terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein.

Article 13 — Company Information
Amanda Paton Consulting Ltd.
PO BOX 99900 RA 629 195
RPO EAST AIRDRIE
AIRDRIE, AB T4A 0S7
Canada

Article 14 — Contact
Questions about these terms, your order, or your data can be directed to hello@incomeofherown.com.