Last updated . By using our products you agree to these terms.
We sell digital templates (spreadsheets/databases). All products are delivered digitally; no physical goods ship.
Purchases are completed through our marketplace/store and processed by its payment provider (e.g. Etsy, Paddle). Their terms also apply.
Personal, non-transferable use. No reselling, redistribution, or public sharing of the files.
Digital products are delivered instantly and generally non-refundable; where a legal withdrawal right exists it may not apply once delivered with your consent. If something's wrong, contact us and we'll make it right.
Our products are planning tools — not financial, tax, or legal advice.
Romania, without prejudice to mandatory consumer rights. EU consumers can contact their national consumer-protection authority; the European ODR platform was discontinued in July 2025.