Terms of Service

Welcome to SheilaMoneyDoctor.net, operated by Sheila Diiorio, also known as Sheila Money Doctor.

By accessing or using this website, you agree to comply with and be bound by the following terms and conditions.

If you do not agree, please do not use this website.

1. Services & Content
This website offers educational content, digital downloads, and coaching services focused on personal finance and money tracking systems. All content is for informational purposes only and not intended as legal, tax, or financial advice.

2. User Responsibility
By using this site, you agree to: Use it for lawful purposes only. Not copy, sell, or redistribute any materials without written permission. Not attempt to gain unauthorized access to any part of the website.

3. Digital Products

All digital downloads are for personal use only. Resale, distribution, or commercial use without permission is strictly prohibited.

4. Coaching & Workshops
Any coaching services are meant to provide education and tools to help you make informed decisions. Results may vary, and we make no guarantees.

5. Intellectual Property
All content, including text, images, guides, downloads, and videos, is owned by Sheila Diiorio unless otherwise noted.

Do not reproduce or use it without written consent.

6. Changes to Terms
We reserve the right to update these terms at any time. Your continued use of the site means you accept any changes.