Terms & refunds

Last updated: October 21, 2026

Who sells this

Frank's Kitchen-Table Ledger is sold by an independent creator based in Ukraine. Payments are processed by PayPal; your PayPal receipt shows the seller's name and contact email. Questions: just reply to that receipt.

What you get

A downloadable PDF workbook for personal use, available right after payment. There is no subscription and no recurring charge.

Not financial advice

Frank is an AI-generated character and his story is fictional. The workbook shares general money habits and record-keeping methods for educational purposes. It is not financial, investment, tax or legal advice, and it makes no promise of any savings or returns. For debt problems, consider a nonprofit credit counselor; for tax or legal questions, a licensed professional.

30-day money-back guarantee

If the Ledger doesn't help, reply to your PayPal receipt (or message the seller in PayPal) within 30 days of purchase, and we'll refund the full amount to the original payment method. No forms and no questions.

Prices and promotions

Prices are in US dollars. A launch price may be offered for a limited period; the end date is shown on the page and the regular price applies after it.

License

The workbook is for your own personal use. Please don't resell, share publicly or redistribute the file.