TERMS & CONDITIONS
Last updated: September 18, 2025

Seller/Operator: Createful Journals
Address: Old Homestead Rd, Georgina, Ontario, L0E1R0, Canada
Contact: createfuljournals@gmail.com

1) Agreement
By purchasing, accessing, or downloading our products, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please do not purchase. These terms apply to all digital downloads, templates, memberships, courses, and related materials sold via ThriveCart and delivered via email or hosted platforms (e.g., ThriveCart Learn).

2) Products & Licenses
We sell digital goods. Some items are Personal-Use only; others are sold with a PLR (Private Label Rights) license. The applicable license is shown on each product page and/or in your download.

Personal-Use License (summary)
• You may use the files for your own personal projects.
• You may not sell, share, or distribute the editable/source files; no commercial use.

PLR License (summary)
• You may edit, rebrand, and use the content to create new end products for sale to your customers (e.g., PDFs, PNGs, printed goods).
• You may not resell, share, or distribute the editable/source files (e.g., Canva/PowerPoint originals), nor pass along PLR, MRR, or any resale/redistribution rights to your buyers.
• You may not list source files as your own PLR, upload to marketplaces as editable templates, or create competing template packs where the primary value is the editable content itself.
• Attribution is not required (appreciated but optional).
If any license wording here conflicts with a product’s specific TOU, the product-specific TOU controls.

3) Ordering, Prices, Taxes
Prices are shown at checkout and may vary by currency. Applicable taxes are calculated at checkout per your jurisdiction. Coupons/discounts are time-limited and may have restrictions. We may change prices and correct typographical errors.

4) Delivery & Access
Digital items are delivered by instant download link and/or email. Course or membership content may be delivered through ThriveCart Learn. Please download and back up your files promptly. If you do not receive access within 15 minutes, contact support at createfuljournals@gmail.com.

5) Refunds & Cancellations
Digital products: Due to the nature of digital goods, all sales are final and non-refundable. If you have any issue with access or files, contact us—we’re happy to help resolve it.
Memberships/subscriptions: You may cancel anytime before the next billing date. Access continues through the end of the paid term; no prorated refunds.
Chargebacks: Please contact us first to resolve issues. Unauthorized chargebacks may result in account suspension.
Statutory rights (where applicable) are not affected. If a specific product advertises a guarantee, that guarantee governs instead of the default no-refund policy above.

6) Account & Fair Use
Do not share your login or download links. We may monitor for excessive download or sharing activity and may suspend access to protect our IP and other customers.

7) Intellectual Property
All content (including templates, graphics, text, and course materials) is owned by us or our licensors. You receive a license to use the content as described above; you do not acquire ownership of the IP or the right to claim authorship of the original works. For copyright concerns, email createfuljournals@gmail.com.

8) Acceptable Use & Restrictions
You agree not to use our content for unlawful purposes; to defame, mislead, or infringe others’ rights; to train AI models or datasets; or to circumvent license restrictions. We may revoke your license for violations.

9) Earnings & Testimonials
Examples, earnings, and testimonials are illustrative only and do not guarantee results. Your success depends on your skills, effort, and market factors.

10) Warranties & Liability
Our products are provid

PRIVACY POLICY
Last updated: September 18, 2025

Controller: Createful Journals
Contact: createfuljournals@gmail.com
Mail: Old Homestead Rd, Georgina, Ontario, L0E1R0, Canada

We respect your privacy. This policy explains what data we collect, how we use it, and your rights. It applies to purchases via ThriveCart, course delivery via ThriveCart Learn, and our email marketing (e.g., Flodesk).

1) Data We Collect
• Identity & contact: name, email, billing address.
• Transaction data: products purchased, order amount, currency, taxes, coupons, timestamps.
• Payment data: processed securely by payment providers (e.g., Stripe/PayPal). We do not store full card details.
• Usage & device: IP address, browser/user agent, approximate location, access logs.
• Marketing preferences: your consents, unsubscribes, segment membership.
• Support communications: messages you send us.
• Affiliate data (if applicable): referrer, affiliate ID, attribution cookies.

2) Sources
• Directly from you (checkout, forms, email).
• From service providers (ThriveCart, payment processors, Flodesk) as needed to fulfill purchases and deliver services.
• From cookies and similar technologies (see Cookies).

3) Purposes & Legal Bases
We process personal data for:
• Purchase & delivery of digital goods and memberships (contract).
• Account & support communications (contract/legitimate interests).
• Email marketing when you subscribe or purchase (consent/legitimate interests, where permitted).
• Fraud prevention & security (legitimate interests/legal obligations).
• Taxes, accounting, compliance (legal obligations).
• Analytics & service improvement (legitimate interests).

4) Sharing with Service Providers
We share data with trusted processors solely to operate our business:
• ThriveCart (cart/checkout, access links)
• Payment processors (e.g., Stripe/PayPal)
• Flodesk (email marketing & automations)
• ThriveCart Learn (course/membership delivery)
• Cloud storage/IT and analytics tools as needed
We may disclose data if required by law, to enforce our Terms, or to protect rights/safety.

5) International Transfers
Some providers process data in the United States or other countries. We rely on provider safeguards (e.g., Standard Contractual Clauses) and implement reasonable measures to protect your data during transfers.

6) Retention
• Transaction records: up to 7 years (tax/accounting).
• Marketing data: until you unsubscribe or after 24 months of inactivity.
• Support messages: typically 24 months unless needed longer for legal reasons.
We may retain anonymized or aggregated data longer.

7) Your Rights
Depending on your location, you may have rights to access, correct, delete, restrict, object, portability, and to withdraw consent at any time.
• EU/UK (GDPR): You may lodge a complaint with your supervisory authority.
• California (CCPA/CPRA): Residents can request access/deletion and opt out of sale/sharing of personal information. We do not sell personal information as defined by the CCPA.
• Canada (PIPEDA): You may request access and correction.
To exercise rights, email createfuljournals@gmail.com. We will verify your identity before responding.

8) Cookies & Similar Technologies
We and our providers use cookies to operate checkout, remember preferences, perform analytics, and run email automations. You can control cookies via your browser settings. Some features (e.g., checkout) require essential cookies to function.

9) Children’s Privacy
Our products and services are not directed to children. We do not knowingly collect personal data from children under 13 (or under 16 in the EU). If you believe a child has provided data, contact us to delete it.

10) Security
We use reasonable technical and organizational measures to protect personal data. No method of transmission or storage is 100% secure.

11) Changes to This Policy
We may update this policy. The “Last updated” date shows the current version. Material changes will be communicated on our site or during checkout.

12) Contact
Privacy & support: createfuljournals@gmail.com

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