Terms and Conditions

Last updated: January 2026

Welcome to RATEC Digitals (“Company”, “we”, “our”, “us”).
By accessing or using our website, products, and services, you agree to be bound by the following Terms and Conditions. If you do not agree, please do not use our website.

1. Use of the Website

You agree to use this website for lawful purposes only and in a manner that does not violate any applicable laws or regulations of the Republic of the Philippines or international law.

You must not:

  • Use the website for fraudulent or unlawful activities
  • Attempt to gain unauthorized access to our systems
  • Copy, resell, or redistribute our content without permission

2. Digital Products & Services

RATEC Digitals sells digital products, including but not limited to:

  • PLR bundles
  • Canva templates
  • Ebooks
  • Digital courses
  • Downloadable resources

All products are delivered electronically. No physical items are shipped.

3. License & Usage Rights

When you purchase a product, you are granted a non-exclusive, non-transferable license to use the product for personal or commercial use as stated in the product description.

You may not:

  • Resell or redistribute the product as-is
  • Claim ownership or authorship of the original content
  • Share download links publicly or privately

Violation of these terms may result in account termination without refund.

4. Payments

All prices are listed in USD or PHP, unless otherwise stated.
Payments are processed securely through third-party payment providers.

By making a purchase, you agree that:

  • You are authorized to use the payment method
  • All payment details provided are accurate

We do not store your payment information.

5. No Refund Policy

Due to the nature of digital products, all sales are final.

We do not offer refunds, exchanges, or cancellations once the product has been delivered or accessed, except where required by Philippine law.

6. Intellectual Property

All content on this website, including text, graphics, logos, designs, and digital products, is the intellectual property of RATEC Digitals and is protected by copyright and intellectual property laws.

Unauthorized use is strictly prohibited.

7. Limitation of Liability

RATEC Digitals shall not be liable for:

  • Any indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Technical issues, delays, or interruptions beyond our control

All products are provided “as is” without warranties of any kind.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, policies, or practices of these external sites.

9. Termination

We reserve the right to suspend or terminate access to our website or services at any time if these Terms are violated.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines.

11. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on this page.

12. Contact Information

If you have any questions about these Terms and Conditions, you may contact us through our website.