Terms of Service

Last Updated: August 30, 2026

Welcome to FinancialPlan.tools. These Terms of Service (“Terms”) govern your access to and use of our website, services, and digital spreadsheet products (including our Excel Financial Model templates). By accessing our website or purchasing our products, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. General Overview & Digital Products

  • Digital Goods: FinancialPlan.tools provides downloadable digital spreadsheets, templates, and documentation (e.g., .xlsx, .pdf files).
  • Delivery: All products are delivered digitally via automated download links immediately following successful payment confirmation.
  • Compatibility: You are responsible for ensuring that you have appropriate software (such as Microsoft Excel, Google Sheets, or compatible spreadsheet software) capable of opening and running .xlsx files.

2. License Grant & Permitted Usage

When you purchase a template from FinancialPlan.tools, you are granted a non-exclusive, non-transferable, revocable single-user license to use the product under the following conditions:

  • Permitted Use: You may use, edit, customize, and populate the financial model for your own internal business planning, startup forecasting, investor pitch decks, and board presentations.
  • Prohibited Use: You may not resell, sub-license, distribute, publicly share, re-upload to public repositories, or include our raw spreadsheet templates in any competing digital template marketplace, course, or shared asset library.
  • Ownership: All intellectual property rights, formulas, sheet architectures, and designs remain the exclusive property of FinancialPlan.tools.

3. Pricing & Payments

  • All prices listed on the website (e.g., $39 for Standard Edition, $49 for Founder Suite) are in USD and are subject to change without prior notice.
  • Payment processing is handled securely by third-party payment gateways (e.g., Stripe, PayPal, or WooCommerce Payments). You agree to provide current, complete, and accurate purchase and account information.

4. Refund Policy

  • We offer a 30-day money-back guarantee on our digital templates. If our financial models do not meet your operational expectations, you may contact us within 30 days of purchase for a full refund.
  • Upon issuance of a refund, your license to use the digital product terminates immediately, and you agree to delete all copies of the template from your systems.

5. Financial & Investment Disclaimer

  • Educational & Planning Purpose Only: The templates, formulas, valuation outputs, and documentation provided on this site are designed for operational planning, scenario analysis, and informational purposes only.
  • No Professional Advice: FinancialPlan.tools does not provide certified financial, legal, tax, accounting, or investment advice. We do not guarantee specific financial outcomes, funding success, or revenue targets.
  • User Responsibility: You are solely responsible for verifying the accuracy of any assumptions, financial statements, and calculations before presenting them to third parties, lenders, or investors.

6. Limitation of Liability

To the maximum extent permitted by applicable law, FinancialPlan.tools, its owners, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages—including loss of profits, revenue, data, business opportunities, or goodwill—arising from your use of or inability to use our website, tools, or spreadsheet templates.

7. Termination

We reserve the right to revoke your product license and terminate access to our digital download servers immediately, without prior notice, if you breach any provision of these Terms (such as unauthorized file redistribution or piracy).

8. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

9. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be effective immediately upon posting to this page with an updated revision date.

10. Contact Information

If you have any questions regarding these Terms of Service, please contact us at:

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