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Each paid guide is delivered as a personal-use digital download. Unless the product page says otherwise, purchase grants a non-transferable licence to read, print for personal use and use the included personal worksheets. Redistribution, resale, publication of the file or unauthorised file sharing are not permitted.

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Guides are for general informational and educational purposes, not personalised medical, legal or financial advice. Where a guide discusses services, availability and rules must be confirmed with relevant local providers. Mandatory consumer rights always take precedence over these terms.

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