Read the Smart Budget Press Terms & Conditions covering digital products use, licensing, refunds, and important policies for accessing our budgeting tools.

Last Updated: December 2025.

Welcome to Smart Budget Press. By accessing or purchasing from our website, you agree to the following Terms & Conditions. Please read them carefully before using our site or downloading any digital products.

1. Overview
Smart Budget Press provides digital products such as spreadsheets, planners, templates, and guides. By using this website, you confirm that you are at least 18 years old or have permission from a legal guardian.

2. Digital Products
All items sold on this website are digital downloads.
No physical items will be shipped.
Once your purchase is completed, you will receive instant access to your files.

3. License & Permitted Use
When you purchase a product, you receive a personal, non‑transferable, non‑exclusive license to use the files for your own individual use.
You may not:
• Resell, share, or redistribute the files
• Claim the files as your own
• Use the files commercially
• Upload the files to any public platform
Unauthorized use may result in legal action.

4. Refunds & Returns
Due to the digital nature of our products, all sales are final.
We do not offer refunds, returns, or exchanges once a file has been downloaded or accessed.
If you experience technical issues or receive the wrong file, please contact us and we will assist you.

5. Payment & Security
All payments are processed securely through trusted third‑party payment providers.
Smart Budget Press does not store or have access to your full payment information.

6. Account Responsibility
If you create an account on our website, you are responsible for maintaining the confidentiality of your login information and for all activity under your account.

7. Intellectual Property
All content on this website—including products, text, graphics, branding, and design—is the intellectual property of Smart Budget Press and is protected by copyright law.
You may not copy, reproduce, or distribute any content without written permission.

8. Website Availability
We strive to keep our website running smoothly, but we cannot guarantee uninterrupted access.
We reserve the right to update, modify, or discontinue any part of the site at any time.

9. Limitation of Liability
Smart Budget Press is not responsible for:
• Financial decisions made using our templates
• Loss of data due to user error
• Incompatibility with third‑party software or devices
Our products are tools meant to support personal organization and budgeting, not financial or legal advice.

10. Changes to These Terms
We may update these Terms & Conditions at any time.
Continued use of the website after changes are posted indicates acceptance of the updated terms.

11. Contact Information
If you have questions about these Terms & Conditions, please contact us at: support@smartbudgetpress.com