Terms & Disclaimers

TERMS OF USE - SINGLE USER LICENSE.  BY PURCHASING THIS PRODUCT, YOU AGREE TO THE FOLLOWING:

Single-User License: Your purchase grants you one (1) non-transferable license for personal use only.

No Redistribution: You may not share, sell, resell, give away, or distribute the actual file, or any modified version of it, to any third party.

No "Tool" Reselling: You may not use the logic, formulas, or unique design of this spreadsheet to create a competing product for sale.

Usage: You are welcome to save multiple copies of the file for your own personal use (e.g., a "2025 Tracker" and a "2026 Tracker").

Copyright: The design, formulas, and intellectual property within this spreadsheet remain the sole property of Els Paxton LLC.

DISCLAIMER & LIMITATION OF LIABILITY: This spreadsheet tool is provided by Els Paxton LLC for informational and organizational purposes only. While every effort is made to ensure accuracy, Els Paxton LLC does not guarantee the results obtained from using this tool.

Not Professional Advice: This tool does not constitute financial, legal, tax, or accounting advice.

User Responsibility: The user is solely responsible for the accuracy of data entered and for verifying all final calculations.

No Warranty: This product is provided "as is" without any warranties. In no event shall Els Paxton LLC be liable for any damages (including, without limitation, loss of data or profit) arising out of the use or inability to use this tool.