1. Eligibility

By using this website, you confirm that:

• You are at least 18 years of age

• You are legally capable of entering into a binding contract under the Indian Contract Act, 1872

2. Products & Services

F&F Lab offers digital and/or physical planners, including:

• Monthly Budget Planners

• Annual Budget Planners

• Combined Budget Systems

• Couples Budget Planners

• Customised (tailor-made) planners

All products are designed as financial organisation tools and do not constitute financial, investment, tax, or legal advice.

3. Orders & Payments

• All prices are listed in INR (₹) unless stated otherwise

• Payments must be made in full at the time of purchase

• We reserve the right to refuse or cancel any order at our discretion

• In case of payment failure, the order will not be processed

We use third-party payment gateways and are not responsible for failures or issues arising from such platforms.

4. Custom Orders

For tailor-made planners:

• Users must provide accurate and complete information

• Once a custom order is confirmed and work has begun, it cannot be cancelled or refunded

• Minor revisions may be allowed at our discretion

We are not responsible for outcomes resulting from incorrect or incomplete information provided by the user.

5. Delivery

• For tailor made products delivery timelines are estimates and may vary

• Access will be provided via email or download link.

6. Returns, Refunds & Cancellations

• Due to the nature of our products, all sales are final

• No refunds or exchanges will be provided.

• Any issues must be reported within [7] days of delivery

Customised products are strictly non-refundable and non-cancellable.

7. Intellectual Property

All content, designs, layouts, and materials provided by F$F Lab.in are the intellectual property of the brand.

You may not:

• Reproduce, distribute, or resell our products

• Modify or commercially exploit any part of our content

Unauthorised use may result in legal action under applicable Indian laws, including the Copyright Act, 1957.

8. User Conduct

You agree not to:

• Use the website for unlawful purposes

• Attempt to gain unauthorised access to our systems

• Misuse or copy any content without permission

9. Limitation of Liability

F$F Lab.in shall not be liable for:

• Any indirect, incidental, or consequential damages

• Financial decisions made based on use of our products

• Losses arising from misuse of our tools

Our planners are intended for informational and organisational purposes only.

10. Disclaimer

We do not guarantee specific financial outcomes or results.
Use of our products is at your own discretion and risk.

11. Privacy

Your use of our website is also governed by our Privacy Policy.

12. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of the courts in [Insert City, e.g., Mumbai, Maharashtra].

13. Changes to Terms

We reserve the right to update or modify these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.

14. Contact Us

For any questions or concerns regarding these Terms.