Terms

Who you are buying from

The Quiet Wealth Playbook is sold by Persis Lumen (“we” or “us”) under the Alicia Invests name. Contact: aliciainvestsus@gmail.com.

Your order is processed by Lemon Squeezy, our online reseller and merchant of record. Lemon Squeezy takes the payment, calculates and collects any sales tax or VAT that applies where you live, and issues your receipt. Lemon Squeezy’s buyer terms also apply to the payment itself.

What you receive

A one-time payment gives you the complete digital collection of eleven resources:

• The Quiet Wealth Playbook, the twelve-chapter guide (PDF and editable Word)
• The Quiet Wealth Workbook, sixteen tabs (Excel .xlsx, plus a Google Sheets copy)
• Monthly Checklist Pack, twelve checklists (PDF)
• The Scripts Library, 76 scripts (PDF)
• Decision Guides, twelve guides (PDF)
• 52-Week Tracker (PDF)
• Seven-Day Quick Start Guide (PDF)
• Money Date Kit (PDF)
• Annual Money Review (PDF)
• Six phone wallpapers (PNG images)
• Reset Kit (PDF)

A Start Here guide (PDF) explains how the files fit together. This is a digital product. Nothing is shipped.

Delivery

After checkout you can download the files straight away. Lemon Squeezy also emails a receipt with your download link. If a file is missing or will not open, email us and we will fix it.

Price and taxes

Prices are shown in US dollars. Any sales tax or VAT is calculated by Lemon Squeezy at checkout based on your location. If a launch price or discount applies, the amount you pay is the one shown at checkout.

Your personal-use license

When you buy, you receive a personal, non-transferable license to use the files for yourself and your household. You may keep copies on your own devices and print pages for your own personal use.

You may not share, resell, sublicense or redistribute the files, upload them to public or shared sites, or use their content to build a competing product. If you would like copies for a class, team or organization, email us first.

The text, workbook, illustrations and designs remain our copyright.

Educational information only

The Playbook, the workbook and everything on this site are educational. They are not financial, investment, legal or tax advice, and buying them does not create an advisory relationship. The worked examples use illustrative numbers and composite characters, and results depend on your own circumstances.

Check important decisions with a qualified professional where appropriate. You are responsible for the decisions you make.

The workbook

The workbook comes as a Microsoft Excel file and as a Google Sheets copy. It also opens in Apple Numbers, where some features may behave differently. Check your own entries and results before relying on them.

Refunds

Refund requests are handled under our Refund Policy, which is part of these terms.

Limitation of liability

To the extent the law allows, the files and this site are provided as they are, without warranties of any kind. We are not liable for indirect or consequential losses, or for losses arising from financial decisions you make using the material. Our total liability to you for any claim is limited to the amount you paid for the product.

Nothing in these terms limits liability that cannot be limited by law.

Governing law

These terms are governed by the laws of the Republic of Korea. This does not take away any protection you have under the consumer laws of the country or state where you live.

Changes

We may update these terms. The version posted when you buy applies to that purchase.