1. Overview

This website is operated by GridCraft. Throughout the site, the terms "we", "us" and "our" refer to GridCraft. By visiting our site and/or purchasing a product from us, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service").

2. Digital Product License & Intellectual Property

All products sold by GridCraft are digital in nature. When you purchase a product from us, you are purchasing a single-user license for personal, non-commercial use only.

• You may: Use the product/products for your personal financial tracking across your own devices.
• You may not: Resell, redistribute, share, sub-license, or otherwise offer our files to third parties, whether for free or for profit. All designs, formulas, dashboards, and architecture within the spreadsheets remain the exclusive intellectual property of GridCraft.

3. Disclaimer of Warranties & "Not Financial Advice"

GridCraft provides digital templates and tools to help you organize your data. We are not financial advisors, accountants, or wealth managers. The products and information provided on this site do not constitute financial, investment, or legal advice. You are solely responsible for your financial decisions and the accuracy of the data you input into our tools. GridCraft makes no guarantees regarding financial outcomes or results from using our products.

Furthermore, we do not warrant that the use of our service will be uninterrupted or completely error-free, as software updates from Microsoft Excel may occasionally alter functionality.

4. Refund Policy

By agreeing to these Terms of Service, you also agree to our Refund Policy. Because our products are instantly downloadable digital files, all sales are final. Please review our Refund Policy page for full details and compatibility requirements prior to purchase.

5. Modifications to the Service and Prices

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue a product (or any part or content thereof) without notice at any time.

6. Contact Information Questions about the Terms of Service should be sent to us via our Contact page.