Terms of Service

Last updated: September 2026

1. Digital Product Delivery

All products sold on BizSmall Ledger are digital Microsoft Excel templates delivered instantly via Gumroad upon successful payment completion.

2. License & Usage

Purchasing a template grants you a single-user, non-exclusive license for personal or internal business use. Reselling, redistributing, or publicly sharing our spreadsheets is strictly prohibited.

3. Refund Policy

Due to the digital nature of spreadsheet files, all sales are final once downloaded. However, if you experience technical issues or formulas fail to perform as described, please reach out to customer support for assistance.

4. Contact Information

For support inquiries regarding your terms or license, email us directly at support@bizsmallledger.com.