Customer terms

Adopted for launch. Effective October 31, 2026.

Products

2026 Year-End Review Pack — USD 29, one-time price

Prepare a clearer review of selected federal 2026 payroll year-end reporting. The pack brings together a 16-page PDF guide, eight fictional cases with explanations, a six-sheet editable XLSX workbook, employee/manager/provider communication drafts and a dated official source register.

Use the materials to connect source data to tip and qualified-overtime reporting, organize testing and reconciliations, assign issues and prepare a documented handoff. The workbook contains operating templates to adapt to your employer's approved process. Existing free P.A.Y. resources remain free.

This edition covers selected U.S. federal employee-payroll topics. It is not complete federal, state or local year-end coverage, individual tax or legal advice, a validated payroll tax engine, filing or payment services, or a credential. The purchase does not grant Academy enrollment or a P.A.Y. badge; existing free website resources keep their current access rules.

Payroll Review: From Inputs to Business Decisions — USD 79, one-time price

Practice four review skills: building an intake/control record, examining time and overtime exceptions, tracing a year-end reporting bridge, and preparing a useful leadership handoff.

The standalone download includes a learner-guide PDF, a separate answer-key PDF and an offline HTML study workbook. Four lessons contain three distinct ten-question sets per lesson; a twenty-question final brings the topics together, with different balanced sets available across the first three attempts. The finite bank has 140 distinct test questions plus eight understanding checks. Suggested study time is about 110 minutes, with additional time for exercises, retakes and source reading.

The self-study pass threshold is 85%; the mastery target is 95% on each required lesson assessment and the final. A ten-question assessment requires nine correct to pass and all ten for mastery. The twenty-question final requires seventeen correct to pass and nineteen for mastery. Questions can repeat in later cycles. Answers are included for learning, and results are neither proctored nor independently verified.

This purchase does not enroll you in the website Academy, unlock its courses, award its P.A.Y. badge, confer external accreditation or authorize professional payroll work. It teaches selected review methods rather than every payroll discipline or jurisdiction.

Career Evidence & Interview Studio — USD 29, one-time price

Four complete HTML lessons follow a fictional coordinator exploring analyst work. The standalone ZIP includes a separate worked solution, editable text templates, synthetic case files, interview prompts, a 100-point rubric and a 30-day development plan. Suggested working time is 150 minutes plus optional practice. The guides open in a browser; no finished PDF edition is included. The download does not include personalized coaching, an employment outcome, Academy enrollment or a credential.

The one-named-learner self-study permission below also applies to this studio.

Permitted use

The content publisher is Hartigos Consulting Group, LLC, operating P.A.Y. — Payroll All Year. Contact: rob@hartigos.com.

Year-End Review Pack license

One purchase permits one purchaser to use the pack for internal work in one business. You may download, back up and print materials for that use, and adapt the working templates to your process. You may share your completed or adapted working templates with colleagues in that same business so the team can perform its work.

This permission does not authorize redistributing the original ZIP, guide, case/answer materials or source files to other businesses, posting the materials publicly, reselling them, or using them as a competing paid product. A consultant serving multiple client businesses or a business seeking broader training distribution should request an appropriate license before that use.

Mini-course and Career Studio license

One purchase permits one named learner to download, back up, print and use the course for personal self-study. The learner may create and share their own workplace notes and action plans, provided those do not reproduce the original course or question bank. Sharing the full course files or answer bank with other learners, public posting and resale require separate permission.

Scope of rights

These permissions concern rights the publisher holds in eligible original material. They do not claim ownership of government facts, legal rules, third-party source material or every AI-generated element. Source links remain subject to their own terms and availability. The license does not prevent others from independently developing payroll methods, tools or educational ideas.

Delivery and file requirements

How will I receive the product?

When sales are enabled, the Lemon Squeezy hosted checkout will supply the receipt and protected download access. Follow the purchase receipt rather than a public P.A.Y. ZIP link. Keep your receipt and a local copy of the files. This is a digital download; no physical product is shipped.

Do I need a P.A.Y. Academy account to use it?

The standalone products are separate from website Academy access. The mini-course HTML runs locally in a modern browser with JavaScript enabled; it does not need an AI subscription or a paid API connection. The checkout provider may use its own receipt or order-access process. A purchase does not create an employer or employee portal account.

What software do I need?

Use a PDF reader for the guides. The year-end workbook is supplied as XLSX and needs a spreadsheet application that supports its features. The mini-course study workbook is an HTML file opened in a modern browser. Compatibility with every spreadsheet application, browser, device or assistive technology is not promised. Check the listed requirements and contact us if your intended setup is unclear before purchasing.

Will the mini-course save my work?

Its study progress and notes stay in the open page's memory and reset on reload or closing. Use its export function before leaving. An exported study record is your own learning record, not a verified credential or proof of a website Academy pass.

Are updates included?

The purchase covers the edition and contents identified at checkout. It does not include a subscription, automatic future-year updates, permanent hosted access or future membership unless a separate offer expressly says so. A dated educational download can become outdated. Reopen the applicable official sources before applying it to real work.

What if I cannot find the receipt or open a file?

Check your purchase email and spam folder, then contact rob@hartigos.com with the order reference, product name/version, file name and a description of the issue. Do not send passwords, full payment-card numbers or employee records. A cropped error message without personal information is enough to start troubleshooting. For a Lemon Squeezy purchase, its receipt/order-access tools may also help recover the download.

Support and refunds

For a duplicate purchase or technical delivery/file problem, please contact rob@hartigos.com within 14 calendar days of purchase. Include the order reference, product name and a short explanation. We will review the request and determine an appropriate resolution, which may include correcting access, providing a replacement file or arranging a refund through the checkout provider.

Other refund requests may also be submitted for individual review. The fourteen-day contact window is not a statement that every later request is barred, a blanket no-refund rule or an automatic money-back guarantee. Any rights you have under applicable consumer law continue to apply. The checkout provider may also have rights or obligations under its own terms, including issuing a refund independently.

Approved refunds are processed through the payment provider; the time for the credit to appear depends on that provider and the payment method. This policy does not promise an exact refund arrival date, guaranteed request approval, a response-time service level or round-the-clock support.

Support covers access to and use of the purchased files. It does not include reviewing your employee records, configuring your payroll system, personalized tax/legal advice, running payroll or determining an individual's tax deduction. A separately offered service would need its own terms and an approved provider arrangement.

Purchase privacy

The checkout provider handles payment and its receipt/download process under the terms and privacy notice shown there. Lemon Squeezy has its own role in payment, indirect-tax, refund and dispute handling. That does not turn the educational publisher into your employer's payroll provider.

Purchase support may require your contact details, order reference, purchased product/version and the technical information you choose to send. Use those details to request fulfillment, correction or refund help. Do not submit employee names, SSNs, dates of birth, bank details, tax elections, actual pay records or completed confidential employer workbooks to P.A.Y. support. Keep working payroll records in your employer's approved systems.

Order/support information is used for purchase administration, support, security, dispute handling and applicable record obligations. The checkout provider maintains its own records. Requests about correction, access or deletion can be sent to rob@hartigos.com and must be assessed against applicable obligations; this policy does not promise immediate deletion of every transaction record.

Newsletter and promotional email are optional. A purchase is not, by itself, consent to receive marketing. Receipts and replies needed to resolve a purchase are separate from promotional subscriptions. The provider checkout shows its own terms and privacy notice. Newsletter and promotional preferences remain separate from purchase administration.