Terms & Conditions
Effective Date: January 1, 2026
Last Updated: March 23, 2026
Welcome to Your Life Decoder by Fika CraftStudio ("Service", "we", "us", or "our"). By accessing or using our digital products and services, you agree to be bound by these Terms.
1. Eligibility
By using this Service, you confirm that you are at least 18 years old or have parental/guardian consent.
2. Use of Service
You agree to use the Service only for lawful purposes. You must not:
• Violate any Philippine laws or regulations
• Engage in fraudulent or abusive activity
• Attempt to disrupt or compromise the system
3. Accounts
• You are responsible for maintaining your account credentials
• You agree to provide accurate and updated information
• You are liable for all activities under your account
4. Digital Products & License
• All digital products sold are non-refundable, unless required by law
• You are granted a limited, non-exclusive, non-transferable license
• Redistribution, resale, or sharing is strictly prohibited
5. Payments (Xendit)
• Payments are processed securely via Xendit Philippines
• We do not store your full payment details
• You agree to comply with Xendit's terms when making payments
• Any payment issues (failed, delayed, or disputed) may be subject to Xendit's policies
6. Pricing
• Prices are listed in Philippine Peso (PHP) unless otherwise stated
• We reserve the right to modify pricing at any time
7. Limitation of Liability
To the fullest extent permitted by law, we are not liable for:
• Indirect or consequential damages
• Loss of data, revenue, or profits
• Service interruptions beyond our control
8. Termination
We may suspend or terminate access if you violate these Terms or engage in suspicious activity.
9. Governing Law
These Terms are governed by the laws of the Republic of the Philippines.
10. Amendments
We may update these Terms at any time. Continued use constitutes acceptance of changes.
11. Contact Us
If you have any questions, contact us at:
[email protected]
Private Policy
Effective Date: January 1, 2026
Last Updated: March 23, 2026
Your Life Decoder by Fika CraftStudio ("we", "us", or "our") complies with the Data Privacy Act of 2012 (RA 10173) and is committed to protecting your personal data.
1. Information We Collect
We may collect the following:
• Name, email address, and contact details
• Payment-related information (handled by Xendit)
• Transaction history
• Device and usage data
2. How We Use Your Data
Your data is used to:
• Provide and manage our digital products
• Process payments via Xendit
• Communicate updates and support
• Improve our services
3. Payment Processing (Xendit)
We use Xendit Philippines as our payment gateway.
• Payment details are securely processed by Xendit
• We do not store sensitive financial information (e.g., full card numbers, e-wallet credentials)
4. Data Sharing
We may share your data with:
• Xendit (for payment processing)
• Service providers (analytics, hosting)
• Government authorities if required by law
We do not sell your personal data.
5. Data Retention
We retain personal data only as long as necessary for:
• Business operations
• Legal compliance
• Dispute resolution
6. Your Rights (Under RA 10173)
You have the right to:
• Access your personal data
• Correct inaccurate data
• Request deletion or blocking
• Withdraw consent
To exercise these rights, contact us at [email protected]
7. Security Measures
We implement appropriate technical and organizational measures to protect your data, but no system is completely secure.
8. Cookies
We use cookies to improve user experience and analyze traffic. You may disable cookies via your browser.
9. Third-Party Links
We are not responsible for the privacy practices of third-party websites linked on our platform.
10. Updates to This Policy
We may update this Privacy Policy periodically. Continued use of the Service constitutes acceptance.
11. Contact Us
If you have any questions, contact us at:
[email protected]
Still Figuring Out
Your Life Direction?
Start With This
15-Minute Clarity Audit
Discover why you feel behind and what direction to focus on next.
Get clarity on your next move in less than 15 minutes.
Stop overthinking your life direction
Be honest with yourself.
You’ve probably had thoughts like this before:
“Everyone else seems ahead.”
“Dapat figured out ko na ‘to by now.”
“I know I’m capable… pero bakit parang wala pa ring direction?”
So you do what most people do.
You watch another self-improvement video.
You try another routine.
You consume more advice.
But nothing really changes.
Not because you’re lazy.
Not because life is unfair.
You feel stuck because you haven’t chosen a direction yet.
And when direction isn’t clear, effort goes everywhere.
Busy ka.
Pero hindi ka umaabante.
That’s exactly why the 15-Minute Life Direction Audit exists.
It’s a simple exercise that helps you:
• Understand why you actually feel stuck
• See which area of life needs your focus right now
• Decide what direction is actually worth committing to
No motivational fluff.
Just honest clarity about where your life should move next.
What You’ll Discover Inside the Audit
Why you actually feel stuck
Minsan hindi ka stuck dahil kulang ka sa effort. You’re stuck because wala pang malinaw na direction kung saan pupunta yung effort mo.
The real reason you feel behind in life
You’ll start seeing the patterns — comparison, indecision, and chasing too many things at once.
Which area of your life actually needs focus
Instead of trying to fix everything, the audit helps you identify kung saan ka dapat mag-focus ngayon.
Frequent Ask Questions
1. What if hindi ko pa rin alam direction ko after the audit?
Good. That means naging honest ka sa sarili mo. The goal of the audit isn’t to magically give you a perfect life plan. The goal is to show you what’s actually keeping you stuck and what direction deserves your focus next.
2. Is this another motivational self-help exercise?
Hindi. Walang motivational fluff dito. This audit is a clarity tool, not a hype session. Instead of making you feel good for five minutes, it forces you to look at your life honestly.
3. Kailangan ko ba maging into manifestation or self-improvement to use this?
No. You just need 15 minutes and brutal honesty. The questions are simple, but the answers will make you realize why you’ve been feeling stuck.
4. Para kanino talaga ito?
Para ito sa mga taong alam nilang may potential sila, pero hindi nila alam kung saan dadalhin yung buhay nila. If you feel behind, confused, or unfocused — this audit will help you pause and see things clearly.
If you feel stuck, it’s usually not because you’re lazy. It’s because you never stopped to
choose a direction.
Take 15 minutes. Do the audit. Get clarity.
© 2026 Your Life Decoder by Fika Craft Studio™. Educational purposes only. Results vary. No financial, legal, or medical advice. All rights reserved.