OVERVIEW
This website is operated by BalanceIQ. Throughout the site, the terms “we”, “us” and “our” refer to BalanceIQ. By visiting our site and/or purchasing our digital templates, you engage in our “Service” and agree to be bound by the following terms and conditions.

Section 1 - Digital Products & Delivery

Our products are digital files (Microsoft Excel and Google Sheets templates). No physical product will be shipped.
Upon purchase, you will receive an immediate download link via email. It is your responsibility to ensure you have the correct software (Excel or a Google account) to use these files.

Section 2 - Refunds & Returns

Due to the digital nature of our products, all sales are final. Once the files have been downloaded, we cannot offer refunds, exchanges, or cancellations.

However, we want you to be happy with your purchase. If you experience any technical issues with the file, please contact us at support@balanceiq.com and we will work with you to resolve the issue.

Section 3 - License & Copyright

When you purchase a template from BalanceIQ, you are granted a non-exclusive, non-transferable license for personal use only.

• You MAY: Use the template for your personal finances or your own business budgeting.
• You MAY NOT: Resell, redistribute, share, or give away the template files (modified or unmodified) to anyone else.

Section 4 - Disclaimer

We are not financial advisors. BalanceIQ templates are tools designed to assist with organization and planning. They do not constitute professional financial advice. We are not responsible for any financial decisions made based on the use of these templates.

Section 5 - Modifications to the Service and Prices

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

Section 6 - Contact Information

Questions about the Terms of Service should be sent to us at support@balanceiq.com.