Terms

Last updated: 4 October 2026

Who we are

This website, the quiz and the products sold through it are provided by Belwar Studios Ltd, a company registered in England and Wales (company number 17288760), registered office: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom. Contact: office@belwarstudios.com.

The quiz is for fun

The "How Financially Toxic Are You?" quiz, its scores, roasts and leak estimates are for entertainment and general education only. Estimates are based only on your answers and are not a measure of your actual finances. Nothing on this site, in our emails or in our products is financial, legal or tax advice.

Our products

We sell digital guides in PDF format. Checkout is provided by Stripe through its Onelink service, which acts as the merchant of record for your purchase. This means Stripe handles the payment, any applicable sales tax or VAT, and the receipt. Prices may be shown in your local currency. After payment, you are taken to a download page and also receive a receipt by email.

When you buy a guide, you receive a personal, non-transferable license to download and use it for your own use. Please don't share, resell or publish it.

No guaranteed results

Any savings amounts mentioned, such as finding $300 to $500 a month, are targets and examples, not promises. Your results depend on your own bills, providers, habits and the actions you take.

Refunds

Because our products are digital downloads, they are delivered immediately. If you are unhappy with a purchase, email office@belwarstudios.com within 14 days of buying it, with the email you paid with and a short explanation. We review every request in good faith, and approved refunds are returned to your original payment method.

You can also contact Onelink support through your email receipt for help with payments. As the merchant of record, Stripe may handle payment questions, disputes and refund requests under its own policies.

If you are a consumer in the UK or EU, you agree that the digital content is supplied immediately after purchase and acknowledge that you lose your statutory 14-day right to cancel once the download begins. This does not affect our voluntary refund policy above, or any other rights you have by law.

Liability

To the extent allowed by law, we are not responsible for decisions you make based on the quiz, our emails or our products, and our total liability for any purchase is limited to the amount you paid for it. Nothing in these terms limits liability that cannot be limited by law.

Content

All quiz content, text, designs and guides belong to Belwar Studios Ltd. Brand names mentioned in examples belong to their owners and are used only to describe common habits. We are not affiliated with them.

Law

These terms are governed by the laws of England and Wales. If you are a consumer, you also keep any protections given to you by the laws of the country or state where you live.

Changes

We may update these terms. The version shown when you make a purchase applies to that purchase.