Terms of Service

Last updated: September 2026

These Terms of Service govern your use of SmartPlans and your purchase and use of our digital products.

By accessing our website or purchasing a product, you agree to these Terms.

Digital Products

We sell digital products including planners, spreadsheets, trackers, templates, organizational resources, and related digital materials.

No physical item will be shipped unless specifically stated on a product page.

License

Unless otherwise stated, your purchase grants you a limited, non-exclusive, non-transferable license to use the purchased digital product for your personal use.

You may not resell, redistribute, sublicense, share, copy for commercial distribution, or make our digital products available to third parties without our written permission.

Account and Purchase Information

You agree to provide accurate and complete information when placing an order. You are responsible for maintaining access to the email address associated with your purchase.

Prices and Payments

Prices are displayed on our website before checkout. Prices may change at any time, but changes will not affect orders that have already been completed.

Any applicable taxes will be handled or displayed as required during the purchasing process.

Product Access

Some products may include access for a specified period. Your selected access period will be shown on the product page and/or during checkout.

Unless specifically identified as a subscription, an access-period purchase does not automatically renew.

Intellectual Property

The website and digital products, including their designs, templates, graphics, layouts, and original content, are owned by or licensed to SmartPlans and are protected by applicable intellectual-property laws.

Purchasing a product does not transfer ownership of its intellectual-property rights to the customer.

Prohibited Uses

You may not use our products or website for unlawful purposes, attempt to interfere with the operation or security of the website, reproduce products for unauthorized resale, or distribute purchased files without authorization.

Availability and Changes

We may modify, update, discontinue, or replace products or features when reasonably necessary. Existing customer rights under applicable law are not affected.

Disclaimer

Our planners, financial trackers, fitness planners, productivity tools, and similar products are provided for organizational and informational purposes. They do not constitute professional financial, medical, legal, tax, or other professional advice.

Limitation of Liability

To the maximum extent permitted by applicable law, SmartPlans will not be liable for indirect or consequential losses arising from the use of our products or website.

Nothing in these Terms excludes or limits liability or consumer rights that cannot legally be excluded.