Terms of Use

Effective date: October 24, 2026

By using cellsandcents.com you agree to these terms.

Not advice

All content, calculators, and templates are for informational purposes only and are not tax, legal, or financial advice. Results are estimates based on the information you enter and on published figures that can change. Consult a qualified professional before making decisions.

License for templates

When you buy a template, you get a personal, non-transferable license to use it for your own household or business. You may not resell, share, redistribute, or publish the files or modified versions of them.

Free resources

Free downloads and calculators are provided as is, for personal use.

No warranty

The site and products are provided "as is" without warranties of any kind. We work hard to keep formulas accurate but do not guarantee they are free of errors or suited to your situation.

Limitation of liability

To the fullest extent allowed by law, Cells and Cents is not liable for any indirect, incidental, or consequential damages, or for any losses arising from your use of the site or products. Our total liability is limited to the amount you paid us for the product in question.

Purchases and refunds

See our Refund Policy.

Changes

We may update these terms. Continued use means you accept the updated terms.

Contact

Email: hello@cellsandcents.com