TERMS AND CONDITIONS

1. OVERVIEW This website is operated by Velvetrows. By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions.

2. DIGITAL PRODUCTS & DELIVERY: Our products are digital files (Google Sheets templates).

  • Delivery: Upon purchase, you will receive an immediate download link via email.

  • Access: You are responsible for ensuring you have a Google Account to access the files.

3. LICENSE FOR PERSONAL USE ONLY: When you purchase a template from us, you are buying a Single-User License.

  • You MAY: Use the template for your own personal or business budgeting/planning.

  • You MAY NOT: Resell, redistribute, share the link, or give away the template to others. You cannot claim the design or structure as your own.

  • Violation: If we discover you are reselling our files, we will revoke your access and take legal action for copyright infringement.

4. REFUND POLICY: Due to the digital nature of our products, all sales are final. We cannot “un-send” a file once it has been downloaded.

  • Exceptions: If the file is technically corrupted or the wrong file was sent, please contact us for a replacement.

  • No Refunds for “Change of Mind”: Please read the product description carefully before buying.

5. LIMITATION OF LIABILITY: These templates are provided “as is.” We are not financial advisors or fitness trainers.

  • Accuracy: We are not responsible for any calculation errors, financial losses, or outcomes resulting from the use of our spreadsheets. You are responsible for verifying your own data.

6. CHANGES TO TERMS: We reserve the right to update these Terms at any time.

7. CONTACT INFORMATION: Questions about the Terms of Service should be sent to us at thevelvetrows@gmail.com

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