The small print, in plain words

Privacy and terms

These policies cover The Stop Paying List, a digital ebook (PDF) sold on this website. Questions? Email digimoneyking@gmail.com.

Privacy

No cookies, no trackers, no analytics. This website does not use cookies, tracking pixels, advertising tools or third-party scripts. Fonts and images are served from this site itself.
Payments are handled by Gumroad. When you buy, you enter your payment details on Gumroad's secure checkout page, not on this website. We never see or store your full card number. Gumroad shares your name, email address, country and order details with us so we can deliver the book, answer questions and keep the records the law requires. Gumroad's own privacy policy applies to the data it processes.
Our web host may keep basic technical logs (such as IP address and time of visit) for security. We don't use them to identify or profile visitors.
Email. If you email us, we use your message only to reply to you.
Your rights. You can ask what personal data we hold about you, and ask us to correct or delete it, by emailing digimoneyking@gmail.com. The seller is based in the Netherlands, so the EU General Data Protection Regulation (GDPR) applies. You can complain to the Dutch Data Protection Authority (Autoriteit Persoonsgegevens).

The launch price is $29.99, down from the regular price of $49.99. It applies to orders placed up to and including December 31, 2026.
After that date the price may go up to the regular price. If you bought at the launch price, nothing changes for you.
Prices are in USD. It is a one-time payment: there is no subscription and nothing renews.
Sales tax or VAT may be added at checkout, depending on where you live. Gumroad shows the final total before you pay.

All sales are final. The book is a digital download that you receive immediately, so we don't offer refunds.
A personal licence to read and print the PDF for yourself and your household. Please don't share or resell the file.
The book is general information only. It is not legal, tax, financial or medical advice, and it doesn't promise any savings. Rules vary by state and change over time. Please check current rules with the official office named in the book before you act.
Nothing Owed is an independent publisher. It is not affiliated with, or endorsed by, any government agency, including Medicare, Social Security and the IRS.

Last updated: October 2026.