Terms and license
Last updated 7 November 2026
Plain terms for what you buy here.
What you get
Digital files: Excel spreadsheets (.xlsx), and for some planners a PDF guide or printable pages. Nothing is shipped. Gumroad gives you the download link right after you pay and emails it to you.
Your license
- You can use the planners for yourself and your household, for as long as you like.
- You can make copies for your own use, for example one per year or one per person in your home.
- You can't resell the files, share them publicly, upload them to other sites, or pass them off as your own.
What they work with
The planners are made for Microsoft Excel (2016 or newer, Microsoft 365, Excel for Mac and Excel on the web) and Google Sheets. They use standard formulas and no macros. Apple Numbers isn't supported.
Not financial advice
The planners help you organise your own numbers. They don't give financial, tax or legal advice. The example numbers in the files, the videos and on this site are made up to show how the planners work.
Prices and payment
Prices are in US dollars. Payments are processed by Gumroad. Depending on where you live, tax may be added at checkout.
Refunds
You have 14 days to ask for a full refund. See the refund policy.
Changes
If these terms change, the date at the top of this page changes too.
Contact
Reply to your Gumroad receipt email, or message us on Instagram or Facebook.