Terms of Use

License: each purchase grants a single-user, non-transferable licence to use the file for your own business or personal planning. You may not resell, redistribute, or share the file.

No warranty: these are planning aids. They are provided as-is without guarantee of specific results. You remain responsible for your own financial, tax, and hiring decisions.

Updates: free fixes and minor updates may be issued at our discretion. Major new versions may be sold separately.

Refunds: see the refund policy.

Governing terms: purchases are also subject to Gumroad's terms of sale.