Terms

Last updated: September 2026

What you're buying

Cruise Smarter After 60 is a digital ebook: a PDF file you download after purchase. No physical book is shipped. Checkout, payment, and delivery are handled by Gumroad.

How you can use it

The ebook is for your personal use. You're welcome to read it on any of your devices and to print pages, including the checklists, for yourself and the people you're traveling with. Please don't resell it, share the file publicly, or post its contents elsewhere.

Refunds

If the ebook isn't for you, reply to your Gumroad receipt within 7 days of buying and you'll get a full refund.

The information in the ebook

The ebook is for general information only. It is not medical, legal, insurance, or financial advice. Cruise line policies, prices, and government rules were checked in September 2026, and they change often, so confirm anything important with your cruise line, your insurer, and your Medicare plan before you book, pack, or sail.

No affiliation

The ebook and this website are independent. They are not affiliated with, sponsored by, or endorsed by any cruise line, insurer, government agency, or other company mentioned. All trademarks belong to their owners.

Questions

Reply to your Gumroad receipt.