Terms of Service

Last updated: July 2026

These terms apply when you use Payday Sheets or buy our digital products. They're written in plain language on purpose.

What you're buying

Our products are digital files (spreadsheets, PDFs, and templates) delivered by download link immediately after purchase. Nothing physical ships.

Your license

Buying a product gives you a personal, non-exclusive license to use it for yourself or your own household/business. You may not resell, redistribute, share the files publicly, or repackage them as your own product — free or paid. One purchase covers one person; teams should buy one copy per user.

What our products are (and aren't)

Our products are organizational tools and templates. They are not financial, legal, tax, or professional advice. Decisions you make using them are your own; for advice specific to your situation, consult a qualified professional.

Refunds

See our refund policy — the short version: 30 days, no hoops.

Liability

Our products are provided "as is." To the maximum extent permitted by law, our total liability for any claim related to a product is limited to the amount you paid for it.

Changes

We may update these terms; the date above reflects the latest version. Material changes apply only to purchases made after the change.

Contact

Questions? support@paydaysheets.com