Terms of Service

Last Updated: January 18, 2026

            Quick Summary: By purchasing and using 40 Days to Financial Peace, you agree 
            to use the content for personal, non-commercial purposes only. You cannot share, resell, or 
            distribute the materials. We provide content "as is" without guarantees of specific financial 
            outcomes. You have 7 days to request a full refund if unsatisfied.
        

1. Agreement to Terms

Welcome to 40 Days to Financial Peace ("the Product," "we," "our," or "us"), created by Brother Gabriel. By purchasing, downloading, or using our devotional product, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, do not purchase or use the Product.

These Terms constitute a legally binding agreement between you ("you," "your," or "user") and Brother Gabriel regarding your use of the Product.

2. Description of Product

40 Days to Financial Peace is a digital biblical devotional designed to help Christians develop a healthier relationship with money through Scripture, prayer, and practical wisdom.

2.1 What You Receive

40 daily audio meditations (MP3 format, approximately 11 minutes each)
40 daily PDF workbooks (2 pages each with reflection questions and action steps)
Digital bonuses: 7 Days of Breakthrough Prayers, Phone Wallpapers with Scripture, Financial Peace Affirmations Audio
Delivery schedule: Days 1-7 available immediately; Days 8-40 delivered weekly via Google Drive

2.2 What This Product Is NOT

NOT financial advice, investment advice, or professional counseling
NOT a budgeting course or debt elimination program
NOT a guarantee of financial prosperity or specific outcomes
NOT a substitute for professional financial, legal, or mental health services

3. Purchase and Payment

3.1 Payment Processing

All payments are processed securely through Kiwify, our authorized payment processor. By making a purchase, you agree to Kiwify's terms and conditions. We do not store your credit card or payment information.

3.2 Pricing

The current price is $5 USD. Prices are subject to change at any time, but changes will not affect purchases already completed. Promotional pricing or discounts may be offered at our discretion.

3.3 Taxes

You are responsible for any applicable taxes, duties, or fees required by your jurisdiction. The listed price does not include such charges.

3.4 Currency Conversion

If you pay in a currency other than USD, Kiwify will handle currency conversion at prevailing exchange rates. We are not responsible for currency fluctuations or conversion fees charged by your bank or payment provider.

4. License and Usage Rights

4.1 Limited Personal License

Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Product for personal, non-commercial purposes only.

4.2 What You MAY Do

Download and save the audio files (MP3) and PDF workbooks to your personal devices
Listen to the audio meditations as many times as you wish
Print the PDF workbooks for your personal use
Use the materials for your personal spiritual growth and education

4.3 What You MAY NOT Do

Share, distribute, or resell the Product or any portion of it
Upload the audio files or PDFs to file-sharing websites, torrent sites, or public cloud storage
Reproduce, duplicate, or copy the materials for commercial purposes
Modify, adapt, or create derivative works based on the Product
Use the content in any public presentation, workshop, or course (whether free or paid)
Remove or alter any copyright notices, watermarks, or proprietary labels
Reverse engineer or attempt to extract source materials

⚠️ IMPORTANT: Sharing or distributing this content violates copyright law and these Terms. Unauthorized distribution may result in legal action and termination of your access.

4.4 Intellectual Property

All content in the Product—including but not limited to audio recordings, written materials, graphics, design, and layout—is the intellectual property of Brother Gabriel and is protected by copyright, trademark, and other intellectual property laws.

5. Access and Delivery

5.1 Immediate Access

Upon successful payment, you will receive an email with:

Direct download link for Days 1-7 audio files (MP3)
Google Drive link for Days 1-7 PDF workbooks
Instructions for accessing bonus materials

5.2 Delivery of Days 8-40

Days 8-40 will be added to your Google Drive folder weekly as you progress through the devotional. You will receive notifications via email and/or WhatsApp/Telegram (if you've joined our channels).

5.3 Technical Requirements

You are responsible for ensuring you have:

Internet connection to download files
Compatible device to play MP3 files (phone, computer, tablet)
PDF reader software (most devices have this built-in)
Sufficient storage space for downloaded files

5.4 Lifetime Access

Once you download the files, you have lifetime access to your purchased materials. However, we reserve the right to discontinue Google Drive links after a reasonable period (minimum 12 months), so we encourage you to download and save all files to your personal devices.

6. Refund Policy

Our 7-Day Peace Guarantee

We want you to feel confident in your purchase. If after 7 days of using the Product you don't feel blessed, touched in your heart, or moved by God's Word, you may request a full refund.

How to Request a Refund

Log into your Kiwify account
Navigate to your purchase history
Click on "Request Refund" for this product
Submit your request within 7 days of purchase

Refund Processing

Timeframe: Refunds are processed within 5-10 business days by Kiwify
Method: Refunds are issued to the original payment method
No questions asked: We don't require detailed explanations, though feedback is appreciated

Important Notes

The 7-day period begins on the date of purchase, not the date you start using the product
Refund requests must be submitted within 7 days of purchase. After 7 days, refunds will no longer be available.
If you receive a refund, your access to the Product and all associated materials must be discontinued
Downloading or keeping the materials after receiving a refund is a violation of these Terms and copyright law
We reserve the right to deny refunds if we suspect abuse (e.g., repeatedly purchasing and refunding)

6.1 Non-Refundable Circumstances

Refunds will NOT be granted in the following cases:

After the 7-day refund period has expired (unless extenuating circumstances apply)
If you've violated these Terms of Service
If you've shared, distributed, or resold the Product
Technical issues on your end (incompatible devices, insufficient storage, etc.)
Change of mind after the refund period

7. Disclaimers and Limitations

⚠️ PLEASE READ CAREFULLY - IMPORTANT LEGAL DISCLAIMERS

7.1 Not Financial, Legal, or Medical Advice

40 Days to Financial Peace provides spiritual guidance and biblical principles related to money. It is NOT:

Financial advice, investment advice, or professional financial planning
Legal advice or guidance on tax, bankruptcy, or contractual matters
Medical advice, therapy, or mental health treatment
A substitute for consultation with licensed professionals

You should consult qualified professionals (financial advisors, attorneys, therapists, etc.) for specific guidance related to your personal situation.

7.2 No Guaranteed Outcomes

We do NOT guarantee, promise, or imply that using this Product will result in:

Financial prosperity, wealth, or increased income
Debt elimination or improved credit scores
Specific financial outcomes or miracles
Resolution of financial crises or legal issues
Relief from anxiety, depression, or mental health conditions

Individual results vary. Transformation requires personal commitment, consistent application, and faith in God's timing. We make no representations about the results you may or may not achieve.

7.3 Religious and Spiritual Content

This Product is explicitly Christian and based on biblical teachings. It assumes belief in God, Jesus Christ, and the authority of Scripture. The content reflects the author's interpretation of biblical principles and may not align with all theological perspectives.

If you do not share a Christian worldview, this content may not resonate with you.

7.4 Educational Purposes Only

All content is provided for personal educational and spiritual growth purposes only. You assume full responsibility for how you apply (or choose not to apply) the principles taught in this Product.

7.5 Seek Professional Help When Needed

If you are experiencing:

Severe financial crisis or bankruptcy
Clinical depression, anxiety disorders, or suicidal thoughts
Mental health emergencies
Domestic abuse or unsafe living situations

Please seek immediate help from:

Licensed mental health professionals
Financial counselors or debt management services
Crisis hotlines in your country
Local support services

This Product is a spiritual resource, not a substitute for professional care.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

8.1 No Liability for Outcomes

Brother Gabriel and 40 Days to Financial Peace shall NOT be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

Your use or inability to use the Product
Financial decisions made based on the content
Any financial losses, debt, or bankruptcy
Emotional distress, anxiety, or mental health issues
Reliance on the spiritual or biblical content provided

8.2 "As Is" Basis

The Product is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy, completeness, or reliability of content

8.3 Maximum Liability

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid for the Product ($5 USD).

8.4 Third-Party Services

We are not responsible for the actions, policies, or practices of third-party services (Kiwify, Google Drive, WhatsApp, Telegram) or any issues arising from their use.

9. User Conduct and Responsibilities

You agree to:

Use the Product lawfully and in accordance with these Terms
Not engage in piracy or unauthorized distribution
Not attempt to hack, reverse engineer, or exploit any aspect of the Product
Not use the content to harm, defame, or mislead others
Not impersonate Brother Gabriel or claim authorship of the materials
Take full responsibility for your financial and spiritual decisions

Violation of these Terms may result in:

Immediate termination of your access
Legal action for copyright infringement
No refund eligibility

10. Communication and Notifications

10.1 Email Communications

By purchasing the Product, you agree to receive transactional emails including:

Purchase confirmation and download links
Notifications when Days 8-40 are released
Technical support and product updates

10.2 Optional Communications

You may opt in to receive:

Weekly encouragement messages
Updates about new products or offerings
WhatsApp or Telegram notifications (if you join those channels)

You can opt out of non-essential communications at any time by:

Clicking "unsubscribe" in any email
Leaving the WhatsApp or Telegram channel
Contacting us at brother.gabriel.devotional@gmail.com

11. Termination

11.1 Termination by You

You may terminate your use of the Product at any time by:

Discontinuing use of the materials
Deleting downloaded files from your devices
Requesting a refund (within the 7-day period)

11.2 Termination by Us

We reserve the right to terminate or suspend your access to the Product immediately, without prior notice or liability, if you:

Violate these Terms
Engage in piracy or unauthorized distribution
Abuse the refund policy
Use the Product in a way that harms others or damages our reputation

11.3 Effect of Termination

Upon termination:

Your license to use the Product is immediately revoked
You must delete all downloaded files
Access to Google Drive folders will be removed
No refunds will be issued (unless termination occurs within the 7-day refund period and you have not violated the Terms)

12. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes:

We will update the "Last Updated" date at the top of this page
For significant changes, we will notify you via email or prominent notice
Continued use of the Product after changes constitutes acceptance of the updated Terms

If you do not agree to the updated Terms, you must discontinue use of the Product and may request a refund (if within the 7-day period).

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of of the jurisdiction where the purchaser resides, without regard to its conflict of law provisions.

13.2 Dispute Resolution

In the event of any dispute, claim, or controversy arising from these Terms or the Product:

Informal Resolution: We encourage you to contact us first at brother.gabriel.devotional@gmail.com to resolve the issue informally.
Mediation: If informal resolution fails, both parties agree to attempt mediation before pursuing legal action.
Jurisdiction: Any legal action must be brought in the courts of the jurisdiction where the purchaser resides.

13.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Brother Gabriel regarding the Product and supersede all prior agreements, understandings, or communications.

16. Contact Information

If you have questions, concerns, or feedback regarding these Terms, please contact us:

40 Days to Financial Peace
Brother Gabriel

Email: brother.gabriel.devotional@gmail.com
Response Time: We aim to respond within 48 hours

For payment or refund issues, please contact Kiwify support directly at help.kiwify.com/en/

17. Acknowledgment

BY PURCHASING, DOWNLOADING, OR USING 40 DAYS TO FINANCIAL PEACE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

If you do not agree to these Terms, do not purchase or use the Product and contact us for a refund (if within the 7-day period).

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