Terms of Service

Section 1

Acceptance of Terms

By purchasing from, or using, negosyoplans.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website or purchase our products.

These Terms apply to all visitors, customers, and other persons who access or use the Website.

Section 2

Products and Services

Negosyo Plans sells digital business blueprint documents ("Blueprints") that you read online in your viewer (English · Tagalog for 112 blueprints, more coming). These are digital products designed to help OFWs and aspiring Filipino entrepreneurs plan and start a business in the Philippines.

All products are delivered electronically via a secure email link. No physical products are shipped. Delivery details are covered in Section 7 — Delivery.

Section 3

License Grant

This license is granted to you personally and may not be transferred to any other individual, business, or organization. Purchase of a blueprint entitles one person to use it for one business venture.

Section 4

Intellectual Property

All blueprints, content, and materials published by Negosyo Plans — including text, financial models, supplier data, checklists, graphics, and design elements — are owned by Negosyo Plans and protected by Philippine copyright law (R.A. 8293, the Intellectual Property Code of the Philippines) and international intellectual property treaties.

The name "Negosyo Plans", our logo, and all related marks are proprietary. You may not use them without our prior written consent.

Section 5

Prohibited Uses

You agree NOT to engage in any of the following:

• Reselling or redistributing any Negosyo Plans blueprint, in whole or in part
• Sharing your blueprint access link with others who have not purchased the product
• Using blueprint content to create competing products, templates, or services
• Removing, altering, or obscuring any brand markings, watermarks, license numbers, or copyright notices
• Uploading blueprints to any file-sharing website, torrent, or public cloud storage
• Using our content in AI training datasets without our explicit written consent

Violation of this section may result in immediate termination of your license and legal action to recover damages.

Section 6

Payment and Pricing

• Currency: Prices on this site are displayed in Philippine Pesos (₱), and you pay in PHP via QR Ph / InstaPay. Any USD equivalents shown on the site are approximate, for reference only.
• Payment method: Payment is by QR scan (QR Ph / InstaPay) — payable from GCash, Maya, GoTyme, or any bank app that supports QR Ph. After you pay, we manually verify your payment before sending your blueprint. We do not collect, process, or store your card, e-wallet, or bank account details.
• Price changes: Prices are subject to change without prior notice. However, the price displayed at the time you complete your purchase is the price you will be charged — existing purchases will always be honored at the price paid.
• Promotional codes: We do not currently offer discount or promotional codes.

Section 7

Delivery

• Delivery method: After we manually verify your payment, a secure "Open My Blueprint" link is emailed to the address you gave at checkout — usually within a few hours (not automatic or instant). The link is valid for 4 hours after it is sent.
• Spam filters: We are not responsible for delivery failures caused by spam filters, full inboxes, or incorrect email addresses entered at checkout. Please check your spam or junk folder if you do not see the email.
• Late delivery: If your access link has not arrived within a few hours of your payment being verified, contact us at support@negosyoplans.com and we will resolve it promptly.
• Re-access: If your link has expired (4-hour window), email support@negosyoplans.com with your order email address and we will send a new access link within 24 hours.

Section 8

Refund Policy

Negosyo Plans does not offer a money-back guarantee. For payment or refund questions, message us at support@negosyoplans.com and we'll help you (see Payment & Refund Questions).

Section 9

Disclaimer of Warranties

Supplier prices, contact details, permit requirements, and market conditions may change over time. We update our blueprints annually but cannot guarantee that all information is current at the time of your use.

THE WEBSITE AND PRODUCTS ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Section 10

Limitation of Liability

To the fullest extent permitted by applicable law, Negosyo Plans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our products or website.

Our total liability to you for any claim arising from the purchase or use of any product shall not exceed the amount you paid for that specific product.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you.

Section 11

Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to:

• The Electronic Commerce Act (R.A. 8792)
• The Intellectual Property Code of the Philippines (R.A. 8293)
• The Philippine Data Privacy Act (R.A. 10173)
• The Consumer Act of the Philippines (R.A. 7394)

Any disputes shall be submitted to the jurisdiction of the appropriate courts of the Philippines. EU and UK customers retain statutory rights under their local consumer protection laws, which these Terms do not limit.

Section 12

Contact

For legal inquiries or questions about these Terms, please contact: