The Millennial Debt Escape Plan (MDEP)

Last updated: 4 November 2026

1. Introduction

Welcome to The Millennial Debt Escape Plan (MDEP).

These Terms and Conditions govern your use of our website, free educational resources, digital products, and related services.

The Millennial Debt Escape Plan (MDEP) is a financial education brand operated by Tihirou Nicol, Sole Proprietor, based in Sierra Leone.

References to “we”, “us” or “our” in these Terms and Conditions mean Tihirou Nicol operating The Millennial Debt Escape Plan.

By accessing or using our website, you agree to comply with these Terms and Conditions, subject to your applicable consumer rights.

If you purchase a digital product, the terms disclosed at checkout and any applicable mandatory consumer laws also govern your purchase.

2. Our Purpose

The Millennial Debt Escape Plan provides practical financial education to help individuals understand their debts, manage cash flow, build budgeting habits, and explore debt repayment strategies.

Our educational materials do not constitute personalised financial, investment, tax, legal or regulated debt advice.

Please review our separate Financial Education Disclaimer for further information.

3. Eligibility

Our website and products are intended for adults aged 18 or older.

By purchasing products or subscribing to services, you confirm that you are legally capable of entering into the relevant agreement.

4. Our Digital Products

Our current planned digital products and prices are:

• The Millennial Debt Escape Plan — Digital Book: $24.95

• Debt Payoff Calculator: $19.95

• Payday Planner: $9.95

• Starter Bundle — Book + Calculator: $34.90

• Complete Bundle — Book + Calculator + Payday Planner: $39.90

All prices are expressed in United States dollars (USD).

The current product description, final price, applicable charges, and delivery arrangements will be presented before purchase.

Prices may change in the future, but confirmed purchases will not be retrospectively repriced.

Any applicable taxes, fees, or currency-conversion charges will be disclosed or handled in accordance with applicable law and the payment arrangements.

Prices may change in the future, but confirmed purchases will not be retroactively repriced.

5. Digital Delivery

Our paid products are intended to be supplied electronically through downloadable files, access links, or another delivery method specified at checkout.

No physical goods are included unless expressly stated.

We will provide the purchased products in accordance with the delivery terms disclosed during checkout.

Customers should retain their purchase confirmation and download information.

If you experience a delivery problem, please get in touch with us so we can investigate and provide appropriate assistance or another remedy.

6. Payments

Payments will be processed using the payment provider or providers identified at checkout.

By purchasing, you authorise the applicable payment processor to charge the total amount disclosed before payment confirmation.

We do not intend to collect or store complete payment card details on our own systems.

Payment processing may be subject to additional terms and privacy notices provided by the payment processor.

7. Cancellations, Refunds and Consumer Rights

Our digital products are subject to our 30-Day Digital Product Support & Refund Policy, available at:

https://www.tyronenicol.com/30-day-refund-policy

Customers may contact us within 30 calendar days of purchase concerning product access, technical difficulties, defective files, materially misdescribed products, incorrect charges, or other eligible issues.

We do not offer an unconditional voluntary refund solely because a customer changes their mind.

Where an issue can reasonably be corrected, we will normally offer appropriate technical assistance, replacement access or a corrected file before considering a discretionary refund.

Customers retain all mandatory cancellation, refund and other consumer rights available under applicable law.

Where legally required, we will obtain the customer's express consent to immediate digital delivery and acknowledgment of any resulting loss of statutory cancellation rights before beginning supply.

Nothing in these Terms and Conditions restricts statutory rights or remedies for digital products that are defective, misdescribed or not supplied as agreed.

8. Personal Use Licence

Unless a product description expressly states otherwise, purchasing a digital product grants you a non-exclusive, non-transferable licence to download and use that product for your own personal educational purposes.

You may print worksheets for your own use.

You may not, without our prior written permission:

• Resell or commercially redistribute our digital products.

• Upload complete paid products to public file-sharing platforms.

• Reproduce or republish substantial portions for commercial purposes.

• Present our original materials as your own work.

• Share purchased access in a manner that substitutes for separate purchases by other customers.

This licence does not transfer ownership of the intellectual property.

These restrictions do not override uses permitted under applicable law.

9. Accuracy and Educational Limitations

We aim to provide useful, clearly explained and responsibly prepared financial education.

However, financial information, lending conditions, laws, interest rates and individual circumstances may change.

We do not guarantee that every example, projection or strategy will be suitable for every reader.

Customers should exercise independent judgement and obtain appropriate professional guidance when necessary.

10. Calculators and Financial Projections

Our Debt Payoff Calculator and other planning resources are educational tools.

Their results may depend on user-entered information, assumptions, formulas and simplified financial models.

Actual repayment dates, interest charges, and financial outcomes may differ from projected results.

Users should verify important figures with their lenders or financial institutions before making significant financial decisions.

11. No Guaranteed Financial Results

The Millennial Debt Escape Plan does not guarantee debt elimination within any particular period, improvement in credit scores, increased income, reduced interest costs, or any other specific outcome.

Results depend on numerous factors beyond our control.

References to financial progress, debt freedom or repayment timelines should not be interpreted as guarantees.

12. Free Resources and Email Communications

We may provide free educational resources, including the Debt Escape Starter Kit.

Visitors requesting these resources may be asked to provide contact information necessary for delivery.

Marketing messages will be sent in accordance with applicable requirements and the communication preferences or permissions collected.

You may unsubscribe from marketing emails through the unsubscribe mechanism provided.

Use of our free resources does not require purchasing paid products unless expressly stated.

13. Intellectual Property

Unless otherwise indicated, the original text, graphics, brand materials, worksheets, educational content and digital products published by The Millennial Debt Escape Plan are owned or used under licence by their respective rights holders.

The names and branding associated with The Millennial Debt Escape Plan may not be used in a misleading way that suggests an unauthorised endorsement or partnership.

14. Acceptable Website Use

You agree not to use our website to:

• Engage in fraudulent or unlawful activity.

• Interfere with website security or availability.

• Attempt unauthorised access to accounts or systems.

• Distribute malicious software.

• Misrepresent your identity in connection with purchases or support requests.

• Infringe another person's legal rights.

We may take reasonable action in response to misuse, subject to applicable law and contractual obligations.

15. Third-Party Services and Links

Our website may link to external websites or use third-party technology providers.

We are not responsible for independently operated websites or their content, except where responsibility arises under applicable law.

Customers should review relevant third-party terms where appropriate.

16. Future Courses and Affiliate Programmes

We may introduce online courses, additional digital products, affiliate programmes or other educational services.

Such services may be subject to supplementary terms explaining their pricing, access conditions, commissions or other relevant arrangements.

Any future affiliate programme will require separate written terms before participants are enrolled.

17. Website Availability and Changes

We may update website content, improve functionality or modify available products.

We cannot guarantee uninterrupted access to every website feature at all times.

Where a technical problem prevents access to a purchased product, customers may contact us for support and any remedy required by law.

Changes to these Terms will not retroactively remove rights that customers already possess under an existing purchase or applicable law.

18. Responsibility and Limitation of Liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including applicable consumer remedies.

To the extent permitted by law, we are not responsible for losses arising solely from a user's independent financial decisions made without appropriate consideration of their individual circumstances.

Any legally permitted limitation of liability must be interpreted consistently with mandatory consumer protection laws.

19. Privacy and Personal Information

Our collection and processing of personal information are described in our separate Privacy Policy.

Please review that policy to understand how we handle information provided through our website, forms, and purchases.

20. Governing Law and Disputes

The Millennial Debt Escape Plan is operated from Sierra Leone by Tihirou Nicol, Sole Proprietor.

Subject to applicable conflict-of-laws rules and mandatory consumer protections, these Terms and Conditions are intended to be governed by the laws of Sierra Leone.

Nothing in this section excludes or restricts any mandatory consumer rights or legal remedies that may apply to customers in the United Kingdom, United States or other relevant jurisdictions.

If a dispute arises, we encourage customers to contact support@tyronenicol.com so that we can attempt to resolve the matter fairly.

Nothing in these Terms and Conditions prevents a customer from exercising statutory rights, contacting a relevant regulatory authority or accessing courts and other remedies available under applicable law.

21. Contact Information

For questions about these Terms and Conditions, purchases, digital product access, or customer support, please contact:

The Millennial Debt Escape Plan (MDEP)

Operated by: Tihirou Nicol, Sole Proprietor

Business location: Sierra Leone

Customer support email: support@tyronenicol.com

Website: https://www.tyronenicol.com

We aim to respond to customer enquiries promptly and professionally.

22. Changes to These Terms

We may update these Terms and Conditions to reflect changes in our operations, products, or legal requirements.

We will publish the current version on our website with its revision date.

For completed purchases, the terms applicable at the time of purchase and any mandatory legal rights will continue to be respected.

The Millennial Debt Escape Plan

Real Life. Real Money. A Better System.