Terms of Service

1. These terms

These terms apply to every purchase and download made on finformed.co, operated by FinFormed LLC. By buying or downloading a template you accept them. Questions: hello@finformed.co.

2. What you are buying

FinFormed sells digital spreadsheet templates delivered as Excel (.xlsx) files and Google Sheets copies. Nothing physical is shipped. Templates are available in English or Spanish editions.

3. Licence

You get a perpetual, non-exclusive, non-transferable licence to use the template for your own business and for your own client work, including editing it to fit your needs.

You may not resell, redistribute, sublicense, publish or share the files, in original or modified form, or include them in any product, course or template collection offered to third parties.

4. Delivery

Download links appear on screen immediately after checkout and are also sent to the email address you provide. Links expire after a limited time for security; if a link expires or fails, contact us and we will send a new one.

It is your responsibility to give a valid email address and to check your spam folder.

5. Prices and payment

All prices are shown in US dollars and may change at any time; the price shown at checkout is the price you pay. Payments are processed by our payment provider, which handles all card data. Any applicable taxes are added or included as shown at checkout.

6. Refunds

If a template does not work as described, email hello@finformed.co within 14 days of purchase with a short description of the problem and we will fix it or refund you in full.

Because the products are digital and delivered immediately, we do not offer refunds for change of mind after download, or for a template that works as described but does not fit your particular situation. Free templates let you test the quality before buying.

7. No financial advice

The templates are calculation and planning tools. They do not constitute financial, tax, accounting, investment or legal advice. Results depend entirely on the figures you enter. Check important decisions with a qualified professional.

8. Liability

The templates are provided “as is”. To the maximum extent permitted by law, our total liability for any claim related to a template is limited to the amount you paid for it. We are not liable for indirect or consequential losses, including lost profits or business decisions taken on the basis of a template's output.

9. Intellectual property

All templates, text, designs and the FinFormed name remain our property. Nothing in these terms transfers ownership to you.

10. Acceptable use

You may not attempt to break into, overload or disrupt the site, scrape it in bulk, or use it for any unlawful purpose. We may suspend access where these terms are breached.

11. Changes and governing law

We may update these terms; the version published at the time of your purchase applies to that purchase. Any dispute will be handled under the laws applicable at our place of business, without prejudice to consumer rights you have in your country of residence.