The deal between us, in plain English.

Who you're buying from

The seller is Horizon Creative Services (Tommy Rulez LLC), doing business as Hearthline Press (“Hearthline Press,” “we,” “us”).
Email: hello@hearthlinepress.com
Mail: Horizon Creative Services, 1309 Coffeen Avenue, Sheridan, WY 82801

1. Your acceptance of these terms

When you buy through hearthlinepress.com or Gumroad, you will be asked to check a box confirming that you have read and agree to these terms before your payment is processed. Checking that box and completing your purchase forms a binding agreement between you and Horizon Creative Services. If you do not agree to these terms, do not complete the purchase.

Purchases made on Etsy are also processed under Etsy’s own Terms of Use and policies, which we do not control. Every Etsy listing links to these terms, and each product includes a notice of them. By downloading or using a Hearthline Press product purchased on Etsy, you agree to these terms to the fullest extent permitted by law.

2. What you are buying, and your license to use it

Our products are digital files. Nothing physical ships. When your payment clears, you receive download access to the PDF(s) described in the product listing.

We grant you a personal, non-exclusive, non-transferable license to download, save, print, and fill in the product for use by you and your immediate family or household, including sharing a filled-in copy with the professionals helping you (for example, your attorney, accountant, or a co-executor). You may not resell, redistribute, publish, sublicense, or post the product (filled in or blank) for others to download, and you may not use it to build a competing product. All copyrights and other rights stay with Horizon Creative Services.

3. Not legal advice; no attorney-client relationship

This is the heart of what our products are and are not, and it appears inside every product we sell:

Every Hearthline Press product is an educational and organizational product. It is not legal advice, it is not financial or tax advice, and it is not a substitute for advice from a licensed attorney or qualified professional. Hearthline Press is not a law firm, and no attorney-client relationship is created by purchasing or using any of our products. Laws differ by state and change over time; for decisions about your specific situation — especially anything involving a will, probate, taxes, or a dispute — consult a licensed attorney or qualified professional in your state.

State-specific supplements are reviewed on an annual cycle and reflect our understanding as of the edition date on the cover. Always confirm current requirements with the court or agency involved.

You agree that you are purchasing organizational and educational material, and that any decision you make about your own or a family member’s legal, financial, or medical affairs is yours (with your own professional advisers), not ours.

4. Price and payment

Prices are shown at the point of purchase in US dollars. Payment is processed by the platform you buy through (Gumroad or Etsy); we never see or store your card details. Applicable sales tax or VAT is calculated and collected by the platform at checkout.

5. Refunds

Our guarantee. Try any Hearthline Press product for 30 days. If it doesn’t make the work lighter, we’ll refund you — no questions, no forms. Reply to your purchase receipt within 30 days of purchase and we’ll return every cent.

How this interacts with the platform you bought on:

• hearthlinepress.com / Gumroad. Storefront purchases check out through Gumroad. The Gumroad product refund policy is set to 30 days to match this guarantee, and refunds are issued through Gumroad’s refund system. If our guarantee and a platform policy ever differ, the more generous term applies to you.
• Etsy. Etsy’s default for instant-download digital items is that they are not eligible for returns or exchanges through Etsy’s system. Our 30-day guarantee applies anyway: message us through Etsy or email hello@hearthlinepress.com within 30 days and we will refund you through Etsy’s seller tools. Etsy Purchase Protection and Etsy’s own policies may give you additional rights that we do not control, and nothing in these terms limits any right Etsy grants you.
• EU/UK buyers — your 14-day withdrawal right, and how it ends. If you buy from the EU/EEA or UK, consumer law gives you a 14-day right to withdraw from a purchase of digital content — but that right ends once delivery begins with your express consent. Our products are delivered the moment payment clears, so by completing checkout you expressly consent to immediate delivery of the digital files and acknowledge that you thereby lose the 14-day withdrawal right (Consumer Rights Directive art. 16(m) and the UK equivalent). Our voluntary 30-day guarantee above is broader than the withdrawal right and applies to you regardless. On Gumroad, files are delivered immediately on payment, and the pre-purchase terms checkbox (Section 1) is where this consent and acknowledgment are captured. On Etsy, instant-download files are released automatically at purchase under Etsy’s own marketplace terms; if any withdrawal right nonetheless remains available to you there, it is unaffected by these terms — and our 30-day guarantee covers you either way.

A refund ends your license under Section 2; you agree to delete your copies of the refunded product.

6. Products are provided “AS IS”

Except for the refund guarantee in Section 5, every product is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied — including, without limitation, implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, currency, and non-infringement. We work hard to keep our products accurate and current, but we do not warrant that any product is error-free, complete, up to date with current law, or suited to your specific circumstances.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. In that case, any implied warranty is limited in duration to 30 days from purchase, to the extent the law allows.

7. Limitation of liability

To the fullest extent permitted by law:

1. Cap. The total combined liability of Horizon Creative Services, its owner, and anyone who works on its products, for all claims arising out of or relating to a product or these terms, will not exceed the amount you paid us for that product.
2. Excluded damages. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or costs of substitute services — even if we were advised such damages were possible. This includes, without limitation, any loss claimed to result from acting or not acting on the educational content of a product (see Section 3).
3. Basis of the bargain. The pricing of our products ($12–$89) reflects this allocation of risk; we could not offer them at these prices otherwise.

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions our liability is limited to the greatest extent the law permits. Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

8. No indemnity from you

We do not ask consumers to indemnify us. There is no clause here making you cover our legal costs.

9. Disputes: talk to us first, then binding arbitration; no class actions

Please read this section carefully. It requires individual arbitration of most disputes and waives class actions.

1. Talk to us first. Before starting any formal proceeding, email hello@hearthlinepress.com with your name, order details, and a description of the problem. We will try to resolve it within 30 days. Most problems should end here — usually with a refund under Section 5.
2. Binding arbitration. If we can’t resolve it informally, any dispute arising out of or relating to these terms or a product will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.
3. Fees. Your filing fee will not exceed the consumer filing fee under those rules, and we will pay all remaining arbitration fees and costs.
4. Venue and format. Arbitration will be conducted in the county where you live, with a video or telephone hearing by default, and a documents-only option for smaller claims.
5. Small-claims carve-out. Either of us may instead bring an individual claim in small-claims court in the county where you live.
6. Class-action waiver. All disputes will be arbitrated or litigated on an individual basis only. Neither of us may participate in a class action, class arbitration, consolidated proceeding, or representative action, and the arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) proceeds in court, and the rest of this Section 9 still applies.
7. Opt-out. You can reject this arbitration agreement and class-action waiver without losing anything else in these terms: email hello@hearthlinepress.com within 30 days of your first purchase with your name, order details, and a statement that you opt out of arbitration. If you opt out, disputes are resolved in court instead.
8. What survives. This Section 9 survives refund, license termination, and any end of your relationship with us.

10. Governing law

These terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 9. If the consumer-protection law of the place where you live gives you rights that cannot be waived by contract, those rights are unaffected.

11. Changes to these terms

We may update these terms from time to time. The version you accepted at checkout governs that purchase; a new version applies only to purchases made after its effective date. The current version and its effective date will always be at this address. These terms are under scheduled attorney review; any updates will be posted on this page.

12. Everything else

If any part of these terms is found unenforceable, the rest remains in effect (subject to Section 9.6). These terms plus your order receipt are the whole agreement between us about your purchase. Our failure to enforce a provision is not a waiver of it. You may not assign these terms; we may assign them to a successor of the business.

Questions? hello@hearthlinepress.com — a person reads it.