Terms of Service
SpreadsheetTemplates.info Last Updated: April 2026
Agreement to Terms
By accessing or using SpreadsheetTemplates.info (“the Site”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Site.
Description of Service
SpreadsheetTemplates.info provides free financial calculators, comparison tools, checklists, and educational articles delivered as downloadable spreadsheet templates and web-based content. The Site covers topics including insurance comparison, personal finance, real estate investment, small business finance, tax planning, and legal compliance.
Not Professional Advice
The content and tools on this Site are provided for informational and educational purposes only. They do not constitute, and should not be construed as, financial advice, investment advice, tax advice, legal advice, insurance advice, accounting advice, or any other form of professional advice.
The calculators, spreadsheets, comparison tools, and articles on this Site are designed to help you organise information and explore scenarios. They are not substitutes for consultation with qualified professionals. Before making any financial, legal, tax, insurance, or investment decision, you should consult with a qualified professional who can evaluate your specific circumstances.
Specific disclaimers:
- Financial calculators provide estimates based on the assumptions you enter. Actual outcomes may differ.
- Insurance comparison tools help you organise quotes but do not constitute insurance recommendations.
- Tax calculators use general rules and may not reflect your specific tax situation. Tax laws change frequently.
- Legal compliance checklists are organisational tools, not legal advice. Compliance requirements vary by jurisdiction.
- Real estate investment calculators provide projections, not guarantees of investment performance.
Intellectual Property
All content on this Site — including articles, spreadsheet templates, calculator designs, graphics, and site design — is the intellectual property of SpreadsheetTemplates.info unless otherwise attributed.
Spreadsheet templates are provided for your personal or business use. You may download, modify, and use the templates for your own purposes. You may not redistribute, resell, or republish the templates (modified or unmodified) as your own products or include them in competing template collections.
Articles and written content may not be reproduced, republished, or redistributed without written permission.
Accuracy and Currency
We make reasonable efforts to ensure the accuracy and currency of the information on this Site, including tax brackets, insurance data, interest rates, and financial benchmarks. However, this information changes frequently and may not reflect the most current data at the time you access it.
We do not guarantee the accuracy, completeness, or timeliness of any information on this Site. Users are responsible for verifying information independently, particularly for financial decisions with significant consequences.
Content referencing specific tax years (e.g., “2026 tax brackets”) is accurate as of the publication date noted in each article. Tax laws, rates, and thresholds change annually and may be revised by legislation at any time.
Limitation of Liability
To the fullest extent permitted by law, SpreadsheetTemplates.info and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Site, its content, or its tools.
This includes, without limitation, damages arising from errors in calculators or spreadsheet formulas, reliance on information that is outdated or inaccurate, financial decisions made based on the tools or content provided, loss of data or damage to your devices from downloading files, and any third-party claims arising from your use of the tools.
Third-Party Content and Links
The Site may contain links to third-party websites, products, or services. These links are provided for convenience and do not imply endorsement. We are not responsible for the content, privacy practices, or terms of any third-party site.
Advertising
This Site displays advertisements served by Google AdSense. These advertisements are provided by third-party advertisers and do not constitute endorsement by SpreadsheetTemplates.info. We do not control the content of advertisements and are not responsible for the products or services they promote.
User Conduct
You agree not to use the Site for any unlawful purpose, attempt to gain unauthorised access to any part of the Site, interfere with the Site’s functionality or other users’ experience, scrape, copy, or systematically download content for redistribution, or use the tools to generate misleading or fraudulent financial documents.
Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page with an updated “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the United States. Any disputes arising from or relating to these terms shall be resolved in accordance with applicable US law.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Contact
If you have questions about these Terms of Service, contact us at: legal@spreadsheettemplates.info