Library Policies

Last updated: November 11, 2026. These policies apply to purchases of digital ebooks from the Sunil Kattikar Library, operated by [Legal business name].

Terms of Sale

1. What you buy. Each product is a digital ebook in PDF format, or a bundle of ebooks. No physical item is shipped.
2. Licence. Your purchase gives you a personal, non-transferable licence to download, read and print the ebook for your own use. You may not resell, share, upload or redistribute it, in whole or in part.
3. Prices. Prices are shown in US dollars (USD) or Indian rupees (INR) and include or exclude applicable taxes as shown at checkout. Prices may change, but a change never affects an order already paid.
4. Payment. Payments are processed by third-party payment providers. We never see or store your full card details.
5. Founding Member access. A Founding Member purchase includes every book in the library at the time of purchase and every new book added to the Sunil Kattikar Library, delivered as each is released. Release dates are estimates.
6. Copyright. Original books are © Sunil Kattikar. Annotated classics combine public-domain texts with original introductions, notes and worksheets, which are © Sunil Kattikar.
7. Governing law. These terms are governed by the laws of [jurisdiction: e.g., the State of Texas, USA / India].

Refunds & Cancellations

• 7-day money-back guarantee. If a book isn't right for you, email us within 7 days of purchase for a full refund. No questions asked.
• Refunds go back to the original payment method. Banks and card networks usually take 5–10 business days to show the credit.
• Because products are delivered instantly, an order can't be cancelled after payment, but it's always covered by the 7-day refund.
• To request a refund, email support@sunilkattikar.com with your order number.

Delivery

• Ebooks are delivered digitally. After payment you get an immediate download link on screen and by email.
• If you don't receive your link within 1 hour, check your spam folder, then email us and we'll resend it within 24 hours.
• Download links may expire or be limited in number to protect authors. If yours expires, contact us for a new one.

Privacy

• What we collect: your name, email address, purchase details and, if you join our list, your email preferences. Payment details are handled by the payment provider, not by us.
• Why: to deliver your books, provide support and refunds, send updates you asked for, and meet tax and legal obligations.
• Who we share it with: only service providers that help us run the library, such as the store platform, payment provider and email service. We never sell your data.
• Your choices: you can unsubscribe from emails at any time and ask us to access, correct or delete your data by emailing support@sunilkattikar.com.
• Cookies: the site and store may use essential cookies and basic analytics.

Disclaimer

The books are for general education only. They are not financial, investment, legal, tax, immigration, medical or mental-health advice, and they don't guarantee any job, business or financial outcome. Laws and rules change and differ by country and state. Consult a qualified professional before making decisions. Some books were drafted with AI assistance and are reviewed, edited and approved by the author.

If you are in crisis, please contact your local emergency services. In the US, call or text 988. In India, call Tele-MANAS at 14416.

Contact

[Legal business name]
Email: support@sunilkattikar.com
Address: [registered business address]
We reply within 2 business days.

Draft for review. Have a qualified lawyer review these policies before launch, and fill in every highlighted field.