Terms of Service

Last updated: January 14, 2026

Welcome to RATEC Digitals (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, digital products, and services operated through WordPress and WooCommerce, including purchases via PayPal, WooPay, AliPay, and WeChat Pay.

By accessing our website, creating an account, or purchasing any digital product, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

1. Eligibility and User Responsibilities

By using this website, you confirm that:

  • You are at least 18 years old or have legal parental/guardian consent
  • You have the legal capacity to enter into binding agreements
  • You will provide accurate and complete information
  • You will not use the website for unlawful or prohibited purposes

You are responsible for maintaining the confidentiality of your account and login credentials.

2. Digital Products and Services

RATEC Digitals provides digital products only, including but not limited to:

  • PLR packages
  • Digital bundles
  • Canva templates
  • Ebooks and guides
  • Online resources

All products are delivered electronically. No physical goods will be shipped.

3. Orders, Payments, and Pricing

All prices are listed in USD unless otherwise stated. Payments are securely processed through third-party gateways such as PayPal, WooPay, AliPay, and WeChat Pay. RATEC Digitals does not store or process full payment card details.

We reserve the right to:

  • Change prices at any time
  • Modify or discontinue products without notice
  • Refuse or cancel orders suspected of fraud or abuse
  • Suspend orders if a payment is declined or fails

By completing a purchase through any payment platform, you authorize the transaction and agree to comply with the terms and policies of the selected payment provider.

4. Digital Delivery and Access

Upon successful payment:

  • Digital products will be made available for download or access
  • Delivery may be via direct download, email, or third-party platforms

You are responsible for downloading and backing up your purchased files. Access links may expire for security reasons.

5. No Refund Policy (Digital Products)

Due to the nature of digital products, all sales are final and non-refundable, unless otherwise required by applicable law.

By completing a purchase, you expressly acknowledge and agree that you waive your right to cancel once the digital content is delivered.

6. License and Permitted Use

Unless otherwise stated, purchases grant you a non-exclusive, non-transferable license to use the digital product.

For PLR products, specific license terms will apply as provided with the product. You may not:

  • Resell or redistribute products without proper licensing
  • Claim ownership or authorship unless permitted
  • Share download links or files publicly

7. Intellectual Property

All website content, branding, logos, text, graphics, and digital products are the intellectual property of RATEC Digitals or its licensors and are protected by applicable copyright and intellectual property laws.

8. Prohibited Activities

You agree not to:

  • Violate any applicable laws or regulations
  • Infringe intellectual property rights
  • Attempt unauthorized access to the website or systems
  • Distribute malware or harmful code
  • Engage in fraudulent or abusive transactions

9. Third-Party Services and Payment Platforms

Our website integrates third-party services including:

  • WordPress and WooCommerce for website and order management
  • Payment processors: PayPal, WooPay, AliPay
  • Analytics and email service providers

Your use of these services may also be governed by their respective terms and policies. RATEC Digitals is not responsible for any issues arising from third-party service failures or disputes.

10. Limitation of Liability

To the fullest extent permitted by law, RATEC Digitals shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of data, profits, or business opportunities
  • Issues arising from third-party platforms or payment providers

Our total liability shall not exceed the amount paid for the product giving rise to the claim.

11. Disclaimer of Warranties

All digital products and services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

12. Termination

We reserve the right to suspend or terminate access to our website or services without notice if you violate these Terms or engage in unlawful conduct.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.

14. Changes to These Terms

We may update these Terms from time to time. Continued use of the website after changes constitutes acceptance of the revised Terms.

15. Contact Information

For questions regarding these Terms, please contact:

RATEC Digitals
Email: support@ratecdigital.store
Website: https://ratecdigitals.store/

By using our website and purchasing our digital products through PayPal, WooPay, AliPay, you acknowledge that you have read, understood, and agreed to these Terms of Service.