Terms of Service

Digital products

All spreadsheets and templates are digital downloads for personal or single-business use. You may not resell, redistribute or repackage the files. One purchase = one business.

Services

Service engagements are scoped in writing (Fiverr, Upwork or email) with a fixed quote before work begins. Deliverables, revisions and timelines are stated per engagement.

Marketplace purchases

Purchases on Etsy, Amazon or Digistore24 are additionally governed by those platforms’ terms.

Liability

Templates are tools, not financial or legal advice. Verify calculations for your specific situation.

Questions: nk40761@gmail.com · See also Refund policy and Legal information.