Please note, you will receive digital downloads of the product purchased, no physical product will be delivered. All these digital products are for personal use only, contact us for more details on commercial licence @ dreamsdigitalplanner44@gmail.com. Use these in your choice of note taking/ pdf annotation app. We use and recommend Goodnotes. Notability, Collanotes & Noteshelf are great too. We are only responsible for our products and not the note taking apps. If you are have a GST registered business, you will also have the option of taking the GST input benefit at the checkout page, otherwise you can ignore that. No return policy since these are digital products.