I have downloaded a font for personal use only.
Can I use it for preparing my commercial coaching notes as if I were a teacher?
Those fonts make my notes attractive.
Should I buy a commercial license?
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First, I am not a lawyer, so this is NOT legal advice, just a suggestion for what to look into.
It would depend on how the "Personal" and "Commercial" is defined. Sometimes, the difference is whether or not you are making a profit off what you are producing. Sometimes it's using it in ANY type of business or professional purpose is considered "Commercial". Making a logo would usually be considered commercial in either situation.
Either way, when in doubt, most fonts that have a "free" version are only around $20-$40 or so to purchase, it's not worth the legal headache to save a couple bucks.
There is often a hidden cost associated with 'free', your discovering one potential problem where its 'free' only to a certain extent. In this case your exceeding what you are allowed to do 'free'. To lift this restriction you now have the option to upgrade to a commercial version.
Should you buy it? We dont know, not enough info. You could just switch to a different font. But doing so might have other costs associated with it.