Due to the nature of digital products, we cannot offer refunds when you purchase a digital product. If there is a problem with your order, please contact email@example.com with your transaction number and receipt.
If you purchase a physical product from our store, i.e. a spiral bound planner, and need a refund, you have 30 days to return the product in it’s original packaging and unused. Shipping cannot be refunded.
Some of the links on Short on Time and Money are affiliate links. I do not post links to products that I would not use myself. It costs quite a bit of money to run Short on Time and Money and the little bit of revenue I generate from these links is just one way I am able to maintain the website and keep the ministry going. I appreciate when you click on a link to help me out, but you are in no way expected to do so.
From time to time I do book reviews and product reviews. I may receive books or products for free in exchange for posting a review of the book or product on my website or blog. However, the review is my own personal opinion. If I have concerns about a product, I will let you know.
I also accept paid advertising on Short on Time and Money to help pay the bills. The views expressed by advertisers are not necessarily shared or endorsed by Short on Time and Money. Please use discernment when making any purchase or taking to heart any written material.
Some images have been used from: Adobe Stock, Unsplash.com.
Articles on this website are meant for your enjoyment with the hopes that you will be blessed, learn something, and grow in your faith.
All articles on our website are copyrighted and are not to be reprinted without permission.
We do offer some free to reprint articles on our site. The articles and guidelines can be found be found on the Articles for Reprint page. If you have any questions about an article or feel an article has wrongly been printed without our knowledge, please feel free to Contact Us.
Short on Time and Money assures you that the identity of anyone who contacts us through this web site is kept confidential: we do not rent, sell, or exchange our mailing lists.
Any form that requests personal information, whether it is signing up for an e-mail newsletter, a downloadable resource, registering for our Discussion Board, or any other on-line transaction is handled in the most secure way possible.
As with most other Internet sites, our web site’s servers record the IP address of each visitor to this site. This IP address tells us which domain you visited from (for instance, MSN, AOL, etc.), but not your e-mail address. We use the information we record to gather broad demographic information about what countries and domains our visitors come from. At no time does Short on Time and Money attempt to obtain personal information about you without your permission.
A person who chooses to register for our e-mail newsletter, a resource download, or make a purchase may choose or be required to give us certain contact information (such as their e-mail address). We require this information in the event that there are any questions associated with your on-line request. Your information will never be sold or given to others. In the event that your name is selected to win one of our monthly giveaways, your name, address, and email address may be shared with the person responsible for mailing the gift to your home.
This site contains links to other sites. Even though we do our best to ensure the appropriateness of websites we link to, we are not responsible for the content or policies contained within them. We do not necessarily endorse or agree with the doctrines, views, or information contained on outside websites. If you feel that certain sites are not appropriate, we welcome your response and will consider all queries. However, you are free to discontinue using this website in the event that you do not feel it meets your needs. We sincerely hope that you will find the quality of our website and ministry to your liking and will be blessed by Short on Time and Money.
Short on Time and Money and its Owner, Melissa Ringstaff and/ or volunteer staff assume no responsibility for oversights, discrepancies, or inaccuracies on this web site. Short on Time and Money offers no guarantees of any kind, express or implied, and is not liable for any loss or damages caused by the user’s reliance on information obtained here. This web site is not intended to replace medical, financial, legal, or other professional advice. Readers are reminded to use their own good judgment before applying any ideas found within this website.
YOUR USE AND BROWSING OF THIS SITE IS AT YOUR OWN RISK. IF YOU ARE DISSATISFIED WITH ANY OF THE MATERIALS CONTAINED IN THE SITE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THIS SITE.
TO THE FULLEST EXTENT PERMITTED BY LAW, Short on Time and Money. DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS, AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS SITE.