Terms

By purchasing this spreadsheet, you acknowledge that you have read and agree to these Terms of Use.

This is a digital product. No physical item will be shipped to you.

Due to the nature of digital products all sales are final. We cannot offer refunds unless you find the spreadsheet to be defective.

©️ Copyright Tom Hiskey 2025.

This spreadsheet is provided for personal use only. You may copy and modify it for your own personal purposes, but you may not sell, distribute, or share it in any form without permission.

This spreadsheet is an organisational tool and is not intended to replace professional legal, financial, or tax advice.

All totals, summaries, and calculations should be verified independently.

You are solely responsible for the accuracy, security, and safeguarding of any data entered into this spreadsheet.

The author assumes no liability for any errors, inaccuracies, or issues arising from its use.

The Google Sheets version of this spreadsheet is hosted on Google Sheets. Your use of this tool is subject to Google’s Terms of Service and Privacy Policy.