1. About Us These terms apply to purchases made from moneyquids.co.uk. For queries, contact us at: [email protected] or [email protected].
2. Products Our products are downloadable Microsoft Excel spreadsheet files. All products are designed for use within the United Kingdom and are based on UK tax rates, thresholds, and regulations current at the time of publication. We do not guarantee that products will be updated to reflect future changes in tax law or HMIC guidance.
3. Pricing and Payment All prices are displayed in pounds sterling (£) and are inclusive of any applicable VAT. Payment is processed securely at checkout. We accept payment by bank card and PayPal.
4. Delivery Products are delivered digitally via a download link sent to the email address you provide at checkout. The download link will be sent immediately upon successful payment. Please check your spam folder if you do not receive it within a few minutes. It is your responsibility to ensure you provide a valid email address.
5. Licence Upon purchase, you are granted a non-exclusive, non-transferable personal licence to use the product for your own personal or internal business purposes. You may not resell, redistribute, share, sublicense, or publish the product or any part of it. You may not upload the file to any shared platform or pass it to third parties.
6. Software Requirements Our spreadsheets are designed for use with Microsoft Excel. Compatibility with other spreadsheet applications (such as Google Sheets or LibreOffice) is not guaranteed, and we accept no responsibility for functionality issues arising from use of alternative software.
7. No Financial or Tax Advice Our products are tools to assist with financial calculations and planning. They are provided for general informational and illustrative purposes only and do not constitute financial, tax, or professional advice. You should always consult a qualified accountant, tax adviser, or financial professional before making financial decisions. We accept no liability for any financial loss arising from reliance on our products.
8. Accuracy Whilst we take care to ensure our calculations are correct and based on current UK rates at the time of publication, we make no warranty that the products are free from errors. You are responsible for verifying any outputs against official HMRC guidance or professional advice. We will endeavour to correct any material errors brought to our attention.
9. Returns and Refunds Because our products are digital downloads that are made available immediately upon purchase, you are asked to waive your right to cancel under the Consumer Contracts Regulations 2013 before your download begins. By completing your purchase, you confirm that you consent to immediate delivery and acknowledge that your right to cancel is lost once the download commences.
Notwithstanding the above, your statutory rights under the Consumer Rights Act 2015 are not affected. If a product is materially defective, not as described, or fails to function as intended, you are entitled to a remedy. Please contact us at [email protected] or [email protected], and we will aim to respond within 5 working days.
10. Intellectual Property All content, including spreadsheet files, design, formulas, and accompanying written materials, remains the intellectual property of [your business name]. All rights reserved.
11. Limitation of Liability To the fullest extent permitted by law, our liability to you in connection with any product is limited to the price you paid for that product. We are not liable for any indirect, consequential, or financial loss arising from your use of our products.
12. Governing Law These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Changes to These Terms We reserve the right to update these terms at any time. The terms in force at the time of your purchase will apply to that transaction.
