Terms of sale

Last updated 2026. [PLACEHOLDER — have a lawyer confirm for your jurisdiction.]

Seller

[COMPANY NAME], [COMPANY ADDRESS], [NIP / VAT ID]. Contact: [email protected].

Products

Digital files (Excel workbooks, Power BI projects, PDF binders) delivered by download immediately after payment. No physical goods are shipped.

Prices and payment

Prices are shown in the currency you select and include VAT where applicable. Payment is processed by Stripe Payments Europe Ltd. We never see or store your card details.

Delivery

After payment you are redirected to a download page and receive an e-mail with the same links. Links are valid for 30 days and can be re-issued at any time from the downloads page.

Right of withdrawal

By starting the download you request immediate delivery of digital content and acknowledge that the statutory 14-day right of withdrawal for consumers in the EU no longer applies once delivery has begun. Independently of this, we offer a voluntary 14-day money-back guarantee — see the refund policy.

Licence

You receive a non-exclusive, non-transferable licence to use the files for personal use or within one business. Resale, sharing and redistribution are not permitted.

Liability

The files are decision aids, not financial, tax or legal advice. Check results that matter with a professional.

Disputes

EU consumers may use the European Commission's online dispute resolution platform (ec.europa.eu/odr). Governing law: [COUNTRY].