Effective date: July 25, 2026
Thank you for purchasing from Simple Budget. This policy explains how refunds, returns, exchanges, and product-access issues are handled for digital products purchased through our website or Gumroad.
1. Digital Products
Simple Budget sells downloadable digital products, including budget spreadsheets, financial trackers, templates, planners, and related files.
Because these products are delivered digitally and can be accessed or downloaded immediately, all purchases are generally considered final once access to the product has been provided.
Digital products cannot be physically returned.
2. Refund Eligibility
A refund may be considered in the following circumstances:
- You were charged more than once for the same product
- You received a different product from the one you purchased
- The provided file is corrupted or cannot be opened
- An important feature described on the product page is missing
- A technical issue prevents you from accessing the product and we cannot resolve it
- The product is materially different from its description
Please contact us first so we can attempt to replace the file, provide access, or resolve the technical issue.
3. Non-Refundable Situations
Refunds will generally not be provided when:
- You changed your mind after purchasing
- You no longer need or want the product
- You purchased the product by mistake without reviewing its description
- You lack the required software or a compatible device
- You expected a feature that was not included in the product description
- You do not know how to use Excel, Google Sheets, or another supported application
- You have already accessed, downloaded, copied, or used the product
- You request a refund because the product did not produce a particular financial result
- You request a refund outside the period stated below
Our templates are organizational tools. Purchasing or using them does not guarantee savings, debt reduction, income, or any other financial result.
4. Refund Request Period
Eligible refund requests must be submitted within 14 days of purchase.
Sending a request does not automatically guarantee a refund. Each request will be reviewed based on the reason provided, the product’s condition, purchase records, download or access information, and applicable consumer law.
Nothing in this policy limits any refund, cancellation, or remedy that must be provided under applicable law.
5. How to Request a Refund
To request assistance or a refund, email:
Please include:
- Your full name
- The email address used for the purchase
- The product name
- Your Gumroad receipt or order number
- A clear description of the problem
- Screenshots of any error, when relevant
Please do not email complete payment-card information.
6. Technical Problems
If a file does not open or work as described, contact us before requesting a refund. We may:
- Provide a replacement file
- Send a new download link
- Explain how to access or use the product
- Correct a confirmed product error
- Offer a compatible version when available
If we cannot resolve an eligible technical problem within a reasonable period, we may approve a refund.
7. Software Compatibility
Before purchasing, please review the product description and its stated software requirements.
Products may be designed for applications such as Microsoft Excel, Google Sheets, or PDF readers. Some formatting, formulas, automation, or features may behave differently depending on the application, device, or software version being used.
A lack of compatible software is generally not considered a product defect when the required software was disclosed before purchase.
8. Duplicate Purchases
If you accidentally purchase the same product more than once using the same customer information, contact us with both receipts.
After verifying the duplicate transactions, we may refund the additional purchase.
9. Exchanges
Digital products are generally not exchangeable.
If you purchased the wrong product, contact us before downloading or using it. We may consider an exchange at our discretion, but an exchange is not guaranteed.
10. Refund Processing
Purchases are processed through Gumroad. Approved refunds will normally be issued through Gumroad to the original payment method.
The time required for the refund to appear depends on Gumroad, the payment provider, the customer’s bank, and the original payment method. We cannot send an approved refund to a different payment method.
Gumroad may also issue refunds in certain circumstances under its own policies or when necessary to prevent fraud or payment disputes.
11. Chargebacks and Payment Disputes
If you experience a problem with a purchase, please contact us first at contact@simplebudget.site so we have an opportunity to resolve it.
Submitting a fraudulent or dishonest payment dispute may result in the loss of access to the relevant products and may be reported to Gumroad or the applicable payment provider.
This section does not prevent customers from exercising legitimate rights through their bank, payment provider, Gumroad, or applicable consumer law.
12. Consumer Rights
Depending on where you live, you may have mandatory consumer rights that cannot be excluded by this policy.
For example, consumers may be entitled to remedies when digital content is faulty, materially different from its description, or does not work as reasonably expected.
Where the law provides a cancellation or withdrawal right, that right may end after the immediate supply or download of digital content if the customer expressly consents to immediate delivery and acknowledges the loss of the withdrawal right, where legally permitted.
This policy does not replace or limit mandatory legal protections.
13. Free Products
Products offered free of charge are not eligible for monetary refunds. If a free file is inaccessible or defective, contact us and we will make reasonable efforts to provide a working copy.
14. Policy Changes
We may update this Refund and Returns Policy when our products, sales platform, or legal obligations change.
The latest version will be published on this page with an updated effective date. The policy in effect at the time of purchase will generally apply to that transaction, subject to applicable law.
15. Contact Us
For product assistance or refund questions, contact:
Simple Budget
Website: https://simplebudget.site/
Email: contact@simplebudget.site