Introduction
Welcome to Martinifinance.com. By accessing and using this site, you agree to comply with the following Terms and Conditions. If you do not agree, we invite you not to use the site.

Products and Services
Martinifinance.com offers digital products (ebooks, guides, downloadable materials) and online services (consultations, personalized programs). All content is for personal use by the customer.
Prices and Payments
Prices are listed in euros and include VAT, where applicable. Payment is made via the methods indicated on the site at the time of purchase.
Right of Withdrawal
In accordance with Legislative Decree 206/2005 and EU Directive 2011/83, the right of withdrawal does not apply to digital products whose download or use has begun with the express consent of the customer, nor to online services fully provided upon the customer’s request. By making the purchase and confirming the checkbox at checkout, the customer acknowledges the immediate start of service delivery and the consequent loss of the right of withdrawal.
Refund Policy
Refunds will be granted at the discretion of Martinifinance, according to the commercial warranty policy communicated on the site or at the time of purchase.
Intellectual Property
All digital content and materials on Martinifinance.com are protected by copyright and remain the property of Martinifinance. Unauthorized copying, distribution, or sale is prohibited.
Limitation of Liability
Martinifinance.com does not guarantee specific results from the use of the products or services offered. The customer uses the content at their own risk.
Modifications to the Terms
We reserve the right to update the Terms and Conditions at any time. Updates will be published on the site and will take effect immediately.
Applicable Law and Jurisdiction
These Terms are governed by Italian law. In case of disputes, the competent court is the one located in the customer’s place of residence or domicile, unless otherwise provided by mandatory law.