Refunds. All Utilmo products are digital files, delivered instantly after payment. If a file does not work or is not what the product page describes, you can request a refund within 15 days of purchase through the Contact page.

Use. Your purchase is for your own personal use or your own business. Please do not resell or share the files.

No advice. Utilmo products are organization tools, not financial, tax, accounting or legal advice.