Terms of service

Seller: Dharam Dodia, trading as Debits & Dividends
1 Cayley Road, Otham, Maidstone, ME15 8ZY, United Kingdom
Customer support: dharamdodia5@gmail.com

1. Seller and product
The seller is Dharam Dodia, trading as Debits & Dividends, at the contact address above. The product is a digital ZIP containing an Excel workbook and a quick-start text guide. No physical goods or Microsoft Excel licence are included.

2. Price and delivery
The price and any applicable taxes are displayed before you place your order. A download link is sent to the checkout email address after successful payment. Please check your email address and the compatibility requirements before purchasing. Contact us if your download does not arrive.

3. Software and compatibility
The workbook has been checked in desktop Microsoft Excel on Windows. Google Sheets, Apple Numbers and Excel for Mac have not been tested. You need your own compatible Excel licence. The workbook uses standard formulas and does not require macros.

4. Licence
Your purchase permits you to use and adapt the workbook for your own business's internal planning and record tracking, and to keep working and backup copies. You may share your completed business figures with your accountant or adviser for work on your business. You may not resell, redistribute, give away or publish the blank templates or use them to create a competing template product. No subscription or recurring product fee is included in this purchase.

5. Scope and responsibility
The tools use figures that you enter. They do not connect to banks or Shopify, send invoice reminders, calculate tax liabilities, submit returns or replace a complete bookkeeping system. Examples are fictional. Forecasts and pricing calculations depend on your inputs and assumptions and do not guarantee financial results. Check your entries and keep appropriate business records and backups. The product does not provide personalised accounting, tax, legal or investment advice.

6. Support, cancellation and faults
Email dharamdodia5@gmail.com with your order number and a description of any issue. Please do not send payment-card details, passwords, bank statements or sensitive customer financial records. Our Return and refund policy applies. Nothing in these terms excludes or limits rights or remedies that cannot lawfully be excluded or limited.