Effective date: July 25, 2026
Welcome to Simple Budget. These Terms of Use (“Terms”) govern your access to and use of https://simplebudget.site/, its content, and the digital products offered by Simple Budget.
By accessing our website or purchasing, downloading, or using one of our products, you agree to these Terms. If you do not agree, please do not use the website or products.
1. About Simple Budget
Simple Budget provides downloadable personal-finance resources, including budget spreadsheets, expense trackers, savings planners, financial templates, printable materials, and related educational content.
You can contact us at:
Email: contact@simplebudget.site
Website: https://simplebudget.site/
2. Eligibility
You must have the legal capacity to enter into a binding agreement to purchase our products.
If you have not reached the age of legal majority where you live, you may use or purchase our products only with the involvement and permission of a parent or legal guardian.
You are responsible for ensuring that your use of the website and products complies with the laws applicable to you.
3. Digital Products and Gumroad
Our paid digital products are generally sold, processed, and delivered through Gumroad.
When you select a purchase button, you may be redirected to Gumroad. Your purchase may also be governed by Gumroad’s applicable terms, privacy policy, checkout conditions, and payment rules.
Gumroad may act as the merchant of record and may handle payment processing, applicable taxes, receipts, product delivery, fraud prevention, and refunds.
We do not directly store complete payment-card details.
4. Product Information
We make reasonable efforts to describe each product accurately, including:
- What files are included
- Supported software or platforms
- Important features
- Intended uses
- Purchase price
- Any relevant limitations
Product colors, formatting, fonts, formulas, and appearance may vary depending on your device, application, operating system, regional settings, or software version.
You are responsible for reviewing the product description and compatibility requirements before purchasing.
5. License to Use Our Products
Unless a product page expressly states otherwise, purchasing a Simple Budget product gives you a limited, non-exclusive, non-transferable, revocable license to use that product for your own personal purposes.
You may:
- Download the purchased product
- Save reasonable backup copies for yourself
- Enter and manage your own information
- Customize categories, labels, colors, or formatting for your personal use
- Print copies for your own personal use
Purchasing a product does not transfer ownership of its intellectual property or grant you resale rights.
6. Prohibited Uses
Unless you receive prior written permission from Simple Budget, you may not:
- Resell, redistribute, share, sublicense, or give away a product
- Upload a product to another website, marketplace, shared drive, group, or file-sharing platform
- Share your download link with another person
- Sell edited, translated, reformatted, or rebranded versions
- Claim the product or its design as your own
- Use any part of a product to create a competing commercial template
- Remove copyright, branding, license, or ownership notices
- Copy or extract substantial portions of our website or products
- Use our products for unlawful, fraudulent, misleading, or abusive purposes
- Attempt to bypass Gumroad’s payment or access controls
- Use automated systems to scrape, copy, or reproduce our content
A separate commercial, team, or extended license applies only when it is clearly offered and purchased.
7. Intellectual Property
The website and its original content—including templates, spreadsheets, formulas, layouts, graphics, branding, logos, text, product names, and downloadable materials—are owned by or licensed to Simple Budget and are protected by applicable intellectual-property laws.
“Simple Budget,” its logo, and associated branding may not be used in a way that suggests sponsorship, partnership, approval, or affiliation without our prior written permission.
All rights not expressly granted under these Terms are reserved.
8. User Information and Privacy
Your use of the website is also subject to our Privacy Policy.
You agree that information you provide when contacting us or completing a purchase will be accurate and that you are authorized to use the selected payment method.
Do not upload or enter private financial information into any public form on our website. The downloadable budget files are intended to be stored and used by you in your own compatible application or device.
You are responsible for protecting your completed spreadsheets, passwords, devices, accounts, and download links.
9. Pricing, Payments, and Taxes
Product prices are displayed on the applicable product page or Gumroad checkout page.
Prices may change at any time. A price change will not affect a purchase that has already been completed, except where correction is legally required because of an obvious error.
Payments, currency conversion, sales taxes, VAT, receipts, and other checkout matters may be handled by Gumroad and its payment providers.
We may cancel or refund an order when reasonably necessary because of:
- An obvious pricing or listing error
- Suspected fraud or unauthorized payment
- A technical problem
- A legal or platform requirement
- Product unavailability
10. Refunds
Refund requests are governed by our Refund and Returns Policy, applicable consumer law, and any relevant Gumroad rules.
Because our products are delivered digitally, purchases are generally final after access or download. Refunds may still be available for duplicate charges, inaccessible or defective files, products materially different from their descriptions, or circumstances where applicable law requires a remedy.
Contact contact@simplebudget.site if you experience a problem.
11. Financial and Educational Disclaimer
Simple Budget products and website content are provided for general organizational, informational, and educational purposes.
They do not constitute:
- Financial advice
- Investment advice
- Accounting advice
- Tax advice
- Credit counseling
- Debt-management services
- Legal advice
- A recommendation to buy or sell any financial product
Our products are tools that help users record, organize, or review information they enter. They do not independently verify the accuracy of that information or make financial decisions for users.
Consider consulting an appropriately qualified professional before making important financial, legal, tax, investment, or debt-related decisions.
12. No Guaranteed Results
We do not guarantee that using our website or products will:
- Increase your income
- Reduce or eliminate debt
- Improve your credit score
- Produce savings
- Prevent financial losses
- Achieve any particular financial outcome
Results depend on factors outside our control, including the accuracy of the information entered, personal decisions, income, expenses, economic conditions, and consistent use of the product.
Testimonials, examples, sample figures, and demonstrations are illustrative and do not guarantee similar results.
13. Spreadsheet Accuracy and User Responsibility
We make reasonable efforts to create functional and accurate products. However, formulas, totals, charts, and outputs may be affected by:
- Incorrect or incomplete user input
- Changes made by the user
- Deleted or overwritten formulas
- Unsupported software
- Regional number, currency, or date settings
- Software updates or compatibility differences
- File corruption or device problems
You are responsible for reviewing all figures and calculations before relying on them.
Do not rely on a Simple Budget product as the sole record for tax filings, legal obligations, payments, investments, or other significant financial decisions. Keep appropriate independent records and backups.
14. Third-Party Services and Links
Our website may contain links to Gumroad, Pinterest, TikTok, Facebook, Google Sheets, Microsoft Excel, or other third-party websites and services.
We do not own or control these third parties and are not responsible for their:
- Availability
- Security
- Content
- Privacy practices
- Policies
- Charges
- Software changes
- Actions or omissions
Your use of third-party services is governed by their own terms and policies. Mentioning a third-party product or service does not necessarily indicate sponsorship or endorsement.
Simple Budget is not affiliated with Microsoft, Google, Gumroad, Pinterest, TikTok, or Facebook unless expressly stated.
15. Website Availability
We may modify, suspend, restrict, replace, or discontinue any part of the website or a product when reasonably necessary.
We do not guarantee that the website will always be uninterrupted, error-free, secure, or available. Temporary interruptions may occur because of maintenance, hosting issues, technical problems, security concerns, or circumstances beyond our control.
16. Product Updates
A purchase includes the version of the product described and available at the time of purchase.
Unless the product page expressly promises updates, support, or continued access, your purchase does not guarantee:
- Future product versions
- New features
- Compatibility with future software
- Individual customization
- Permanent technical support
- Lifetime cloud storage or download access
You should download purchased files promptly and maintain your own backup copies.
17. Support
We may provide reasonable support for accessing or using our products.
Support does not include personalized financial advice, extensive spreadsheet customization, device repair, software training, or support for unrelated third-party products unless expressly included in the product description.
When contacting support, provide your purchase email, product name, Gumroad receipt or order number, and a clear explanation of the issue. Do not include complete payment-card information.
18. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the website and products are provided on an “as available” and “as is” basis.
We do not make warranties that:
- Every product will meet every user’s individual requirements
- The website or files will always be available or error-free
- Every product will remain compatible with all future software versions
- Every calculation or output will be suitable for every purpose
- Using the products will produce a particular result
Nothing in this section excludes warranties or consumer protections that cannot legally be excluded.
19. Limitation of Liability
To the fullest extent permitted by applicable law, Simple Budget will not be liable for indirect, incidental, special, consequential, or similar losses arising from the website or products, including loss of data, income, savings, profits, opportunities, or business.
Where liability cannot legally be excluded, our total liability relating to a paid product will generally be limited to the amount paid for that product, except where applicable law requires otherwise.
Nothing in these Terms excludes liability that cannot lawfully be excluded or limited, including liability for fraud, intentional misconduct, or other protected legal claims.
20. Indemnification
To the extent permitted by applicable law, you agree to be responsible for losses, claims, or reasonable expenses resulting from your unlawful use of the website or products, your violation of these Terms, or your infringement of another person’s rights.
This section does not apply where such responsibility cannot legally be imposed on a consumer.
21. Suspension and Termination
We may restrict or revoke access to products or services when we reasonably believe that a user has:
- Shared or resold protected files without authorization
- Used fraudulent payment information
- Violated intellectual-property rights
- Attempted to interfere with the website or product-delivery system
- Used the website or products unlawfully
- Materially violated these Terms
Termination does not remove obligations or rights that arose before termination.
22. Changes to These Terms
We may update these Terms to reflect changes to our website, products, business practices, platform providers, or legal obligations.
The revised Terms will be published on this page with an updated effective date. Material changes will apply prospectively unless applicable law permits otherwise.
23. Governing Law
These Terms are governed by the applicable laws of Morocco, without excluding any mandatory consumer rights provided by the laws of the country where an eligible consumer lives.
Before beginning formal proceedings, you agree to contact us and make a reasonable attempt to resolve the issue directly. This requirement does not prevent either party from exercising urgent or mandatory legal rights.
24. Severability
If any provision of these Terms is found to be unlawful or unenforceable, that provision will be limited or removed only to the extent necessary. The remaining provisions will continue in effect.
25. No Waiver
If we do not immediately enforce a provision of these Terms, that does not mean we have waived our right to enforce it later.
26. Entire Agreement
These Terms, together with our Privacy Policy, Refund and Returns Policy, product descriptions, and any specific license displayed at purchase, form the agreement between you and Simple Budget concerning the website and products.
If a product-specific term directly conflicts with these general Terms, the product-specific term will control for that product, subject to applicable law.
27. Contact
For questions about these Terms, contact:
Simple Budget
Website: https://simplebudget.site/
Email: contact@simplebudget.site