Welcome to Books by Banks
By accessing our website and purchasing our digital eBooks, you agree to be bound by these Terms of Services. All eBooks are intellectual property of Books by Banks. Your purchase grants you a personal, non-transferable license to read the book. You may not share, sell, or distribute the file to third parties or copy or modify the content for commercial use.
Digital Products & Delivery
All products sold on this website are digital eBooks in PDF or EPUB format. Because these are digital downloads, there are no shipping fees, and no physical goods will be mailed to you.
Refund Policy
We want you to be satisfied with your purchase. However, because digital files can be easily duplicated once downloaded, digital requests must be submitted within 24 hours of purchase. Approved refunds will be credited back to your original payment method within 5-10 business days.
Limitation of Liability
Books by Banks is not liable for any technical issues on the user's end (e.g., incompatible devices or lack of software to open the file). All content is provided "as is" without warranties of any kind.