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Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Spreadsheet Life website, content, and services.

Spreadsheet Life LLC (“Spreadsheet Life,” “we,” “us,” or “our”) provides educational content, digital products, and online courses through https://spreadsheetlife.com and related platforms.

By visiting our website, purchasing a product, or accessing any free or paid content, you agree to be bound by these Terms, along with our Privacy Policy and Cookie Policy, which are incorporated by reference.

If you do not agree, please do not use our website or services.

1. General Terms

  • These Terms form a legally binding agreement between you and Spreadsheet Life LLC.
  • We may update these Terms from time to time. Changes become effective when posted on this page.
  • Your continued use of the website or services after changes are posted constitutes acceptance of the updated Terms.
  • We reserve the right, at our sole discretion, to suspend or terminate access to our services at any time, without notice, for violations of these Terms or applicable law.

2. Services & Access License

  • Spreadsheet Life provides downloadable resources, templates, courses, and educational materials (“Services”).
  • Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial use.
  • Access to the Services is not contingent on future features, updates, or functionality.

3. Educational Purpose Only (Not Professional Advice)

All content provided by Spreadsheet Life is for educational and informational purposes only.

Nothing on our website or in our products should be considered:

  • Financial advice
  • Investment advice
  • Legal advice
  • Tax advice

You are solely responsible for your financial decisions and outcomes. Always consult a qualified professional before making decisions based on our content.

No professional-client or fiduciary relationship is created by your use of our Services.

4. Disclaimer of Guarantees

  • We do not guarantee any specific results, outcomes, income, or financial success.
  • Your results depend on many factors beyond our control, including your effort, experience, and personal circumstances.
  • All Services are provided “as is” and “as available.”

5. Modifications & Availability

  • We reserve the right to modify, suspend, or discontinue any part of the Services at any time.
  • We are not liable for interruptions due to maintenance, platform outages, or technical issues.
  • We are not obligated to provide updates, upgrades, or continued access to any Service unless explicitly stated.

6. Prohibited Use

You agree not to:

  • Violate any applicable laws or regulations
  • Use our content for unlawful, fraudulent, or harmful purposes
  • Share, resell, or distribute our content without permission
  • Attempt to gain unauthorized access to our systems
  • Upload malicious software, viruses, or harmful code

7. Intellectual Property

  • All content, templates, videos, courses, branding, and materials are the intellectual property of Spreadsheet Life LLC.
  • You may not copy, reproduce, resell, distribute, or create derivative works without written permission.
  • Any content you submit (e.g., testimonials, comments) grants us a royalty-free, non-exclusive license to use it for business and promotional purposes.

8. Warranties Disclaimer

To the fullest extent permitted by law:

  • We disclaim all warranties, express or implied
  • We do not guarantee uninterrupted, error-free access
  • We do not guarantee accuracy, completeness, or suitability for your needs

9. Limitation of Liability

To the fullest extent permitted by law, Spreadsheet Life LLC shall not be liable for:

  • Loss of profits or revenue
  • Loss of data
  • Business interruption
  • Indirect, incidental, or consequential damages
  • Any losses resulting from reliance on our content

Our total liability, if any, shall not exceed the amount you paid for the product or service in question.

10. Refund Policy

Refund terms vary by product and are disclosed at the point of purchase.

Unless otherwise stated:

  • Digital products and downloads are non-refundable
  • Courses may include a limited refund window, if specified on the sales page

The refund policy in effect at the time of purchase applies.

11. Indemnification

You agree to indemnify and hold harmless Spreadsheet Life LLC from any claims, damages, losses, or expenses arising from:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any applicable law

12. Account Responsibility

If you create an account:

  • You are responsible for maintaining confidentiality
  • You are responsible for all activity under your account
  • We are not liable for unauthorized access caused by your failure to secure login credentials

13. Termination

We may terminate or suspend access immediately if:

  • You breach these Terms
  • You misuse our content
  • Required by law

Termination does not limit our legal rights or remedies.

14. Governing Law & Jurisdiction

These Terms are governed by the laws of the United States, specifically the State of Texas, without regard to conflict of law principles.

Any disputes shall be resolved exclusively in the courts located in that jurisdiction.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

16. Entire Agreement

These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Spreadsheet Life LLC.

17. Contact Information

If you have questions about these Terms, please contact:

[email protected]

Effective Date

This Privacy Policy was last updated on Thursday, 8th January 2026.