Terms of Use

Acceptance of Terms

By accessing or using calculatedco.com or any product offered by Calculated Co., you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the site or its products.

These terms apply to all visitors, users, and customers of Calculated Co., regardless of whether you are accessing free or paid products.

Our Products

Calculated Co. offers two types of products:

• Digital Templates — downloadable spreadsheet files (Excel or Google Sheets format) for accounting, personal finance, and other uses
• Web Apps — browser-based interactive tools that do not require a download

Some products are available for free. Others require a one-time purchase or payment for access. Pricing and availability are clearly indicated on the product listing.

License & Permitted Use

When you download a free or purchased template, Calculated Co. grants you a personal, non-exclusive, non-transferable license to use that template for your own personal or business purposes.

You are permitted to:

• Use any template for your own personal, household, or business financial tracking
• Modify or customize a template to fit your specific needs
• Share the output or results generated by a template (e.g. a completed report)

Restrictions

You may not:

• Resell, redistribute, or sublicense any Calculated Co. template or web app — free or paid — to any third party
• Share, post, or distribute the original template files publicly or commercially
• Claim any Calculated Co. product as your own work or remove any attribution
• Use our products to develop competing template products or services
• Attempt to reverse-engineer, copy, or replicate any web app for commercial use

Purchases & Payment

All purchases on Calculated Co. are processed through a third-party payment provider. By completing a purchase, you agree to provide accurate payment information and authorize the charge for the listed price.

Prices are listed in US dollars. Calculated Co. reserves the right to change pricing at any time, but any price change will not affect purchases already completed.

For information about refunds, please see our Refund Policy.

Disclaimer

Calculated Co. templates and web apps are provided for informational and organizational purposes only. They are not a substitute for professional financial, accounting, legal, or tax advice.

While every effort is made to ensure accuracy, Calculated Co. makes no warranties — express or implied — regarding the completeness, accuracy, or fitness of any product for a particular purpose. You use our products at your own discretion and risk.

Limitation of Liability

To the fullest extent permitted by law, Calculated Co. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of — or inability to use — any product or the website, including but not limited to financial loss, data loss, or errors in calculations.

Our total liability to you for any claim arising out of these terms or use of our products shall not exceed the amount you paid for the product in question.

Intellectual Property

All content on this website — including but not limited to templates, web apps, design, text, graphics, and the Calculated Co. name and logo — is the intellectual property of Calculated Co. and is protected by applicable copyright and trademark laws.

Nothing in these Terms grants you any rights to use the Calculated Co. name, logo, or branding without prior written permission.

Changes to These Terms

Calculated Co. reserves the right to update or modify these Terms of Use at any time. Changes will be reflected by updating the "Last updated" date at the top of this page. Your continued use of the site or products after any change constitutes acceptance of the updated terms.

Contact

If you have questions about these Terms of Use, please contact us:

Calculated Co.
calculatedco@outlook.com