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All products sold on this website are digital products delivered electronically. Unauthorized sharing, redistribution, resale, sublicensing, or reproduction of any materials is strictly prohibited.

Purchases grant the original buyer a non-exclusive, non-transferable license for personal or internal business use only. Products may not be copied, repackaged, modified for resale, or distributed to third parties without written permission.

All content, including templates, frameworks, calculators, workbooks, systems, graphics, text, and supporting materials, remains the intellectual property of James Villarrubia and/or Rubi Business Playbooks.

These products are provided for informational and educational purposes only and do not constitute legal, accounting, financial, tax, HR, investment, or professional advice. Users are responsible for consulting qualified professionals regarding their specific circumstances.

We reserve the right to modify products, pricing, policies, affiliate terms, or website content at any time without prior notice.

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