📜 Terms of Service

Welcome to Smart Budget Shop! By using our website and purchasing our digital products, you agree to the following terms:

1. Products and Use

  • We sell digital templates designed for Excel and Google Sheets.

  • All products are for personal or business use and should not be redistributed, resold, or shared without permission.

2. Payments and Delivery

  • Payments are processed securely via trusted third-party platforms (Etsy, PayPal, Stripe, etc.).

  • Upon successful payment, you will receive immediate access to download the digital files.

3. Refunds and Cancellations

  • Due to the nature of digital products, all sales are final. No refunds or exchanges once files are downloaded.

  • If you experience technical issues, please contact us for support.

4. Intellectual Property

  • All templates and content are owned by Smart Budget Shop and protected by copyright laws.

  • You may use the templates for your own projects but may not claim them as your own or distribute them.

5. Limitation of Liability

  • We provide templates “as is” without warranties of any kind.

  • We are not liable for any damages or losses resulting from the use of our products.

6. Changes to Terms

  • We reserve the right to update or modify these terms at any time.

  • Continued use of our services after changes means you accept the updated terms.

7. Contact Information

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