Terms

What you get

A digital file, delivered instantly after purchase. Nothing is shipped. There is no subscription and no recurring charge.

What you may do with it

Use it for yourself or inside your own household or business, on as many of your own devices as you like. Change it however you want.

What you may not do

Resell, redistribute or republish the file itself, as it is or lightly modified, whether free or paid.

Payment and refunds

Payment is handled by Gumroad, which acts as merchant of record and issues the receipt. If something does not work, write to us or request a refund through Gumroad.

No warranty of outcome

These are spreadsheet templates, not financial advice. They add up the numbers you type; the decisions stay yours.

Last updated: 5 September 2026.