Terms & Disclaimers
TERMS OF USE — PERSONAL AND BUSINESS LICENSE. BY PURCHASING THIS PRODUCT, YOU AGREE TO THE FOLLOWING:
Personal and Business License: Your purchase grants you a non-exclusive, non-transferable license to use this product for personal purposes or within your own business. If purchased for business use, the license covers use by the purchaser's business, including its owners, employees, and internal team members.
No Redistribution: You may not sell, resell, give away, sublicense, or distribute the original file or any modified version of it outside your own business. You may not make the file available to third parties for their independent use.
No “Tool” Reselling: You may not use the logic, formulas, or unique design of this spreadsheet to create or sell a competing product.
Usage: You may save multiple copies of the file for your own personal use or business operations, including maintaining separate copies for different years, projects, or internal team needs. You may use the results to support personal or business decisions.
Copyright: The design, formulas, and intellectual property within this spreadsheet remain the 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: You are responsible for the accuracy of data entered and for verifying all final calculations and results before relying on them.
No Warranty: This product is provided “as is,” without warranties of any kind, to the extent permitted by applicable law. To the extent permitted by law, Els Paxton LLC will not be liable for any indirect, incidental, special, or consequential damages, including loss of data or profits, arising from the use of or inability to use this tool.