Terms of Purchase

What you are buying

A digital product: a personal finance spreadsheet built for Google Sheets. It is a one-time purchase of ₹299 that gives you lifetime access to the file, including free updates to it. It is not a subscription, not financial advice, and it is not a bank or payment service.

How delivery works

• You enter your real name and email address at checkout and pay through the payment provider using UPI.
• Access is released only after the payment provider confirms the payment to us. Being redirected back, or seeing a confirmation on the provider's own screen, is not by itself proof of payment on our side.
• Once the payment is confirmed, we send the access link to the email address you entered at checkout, and the same access is shown on the confirmation page.
• Delivery is automatic, but the time it takes depends on the payment provider confirming the payment and on your email provider delivering the message. We cannot guarantee a delivery time for either. If you have not received the email, check your spam folder and contact support.

Your responsibilities

• Enter a real name and a working email address. A wrong or misspelled email is the most common reason a purchase does not arrive; we can re-send it once you tell us the correct address.
• You need a Google account to use the spreadsheet in Google Sheets. Your own copy of the file lives in your Google account; we do not have access to the data you enter into it.
• The product is licensed for your personal use. You may not resell, redistribute, publish or share it publicly.
• You are responsible for your own financial decisions. The spreadsheet is an organisational tool, not advice.

Refunds

Refunds are covered by our Refund and Cancellation Policy.

Privacy

Our handling of your data is described in the Privacy Policy.

Contact

ravi.budget.official@gmail.com