Terms and conditions
Last updated: October 1, 2025
Effective date: October 1, 2025
Introduction
These terms and conditions ("Terms") govern your use of the Neatsheet website and services operated by Neatsheet ("we," "us," or "our"), located in Sweden. By accessing or using our website, you agree to be bound by these Terms.
About our services
Website and blog content
We provide a website featuring blog posts, articles, and insights about personal finance, mindset, and life design through our neatSHIFT publication.
Newsletter
We offer a free newsletter subscription service providing regular insights and updates about our content and activites.
Digital products
We offer digital templates and tools for personal use, including but not limited to budget trackers and financial planning templates. All digital product sales are processed through Gumroad.
Acceptance of terms
By using our website or services, you confirm that:
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You are at least 18 years old or have parental consent
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You have the legal capacity to enter into these Terms
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You agree to comply with all applicable laws and regulations
Website usage
Permitted use
You may use our website to:
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Read blog content and articles
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Subscribe to our newsletter
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Purchase and download digital products for personal use
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Contact us with questions or feedback
Prohibited use
Prohibited use:
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Copy, reproduce, or distribute our content without permission
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Use our website for illegal or unauthorized purposes
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Attempt to gain unauthorized access to our systems
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Transmit viruses or harmful code
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Impersonate us or misrepresent your affiliation with us
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Use our content for commercial purposes without written consent
Intellectual property rights
Our content
All website content, including but not limited to:
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Text, articles, and blog posts
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Graphics, logos, and images
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Digital templates and tools
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The neatSHIFT newsletter content
is owned by us and protected by Swedish and international copyright laws.
Your license
We grant you a limited, non-exclusive, non-transferable license to:
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Access and read our website content for personal use
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Use purchased digital products for personal, non-commercial purposes
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Share our content with proper attribution and links back to our website
Restrictions
You may not:
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Modify, adapt, or create derivative works and blog posts
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Remove copyright or proprietary notices
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Distribute or sell our content or digital products
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Use our content in competing products or services
Digital products
Purchase process
All digital product purchases are processed through Gumroad, a third-party payment processor. By purchasing our products, you also agree to Gumroad's terms of service.
Product delivery
Digital products are delivered electronically upon successful payment. You are responsible for downloading and saving your purchases.
Refund policy
Due to the digital nature of our products, all sales are final. We do not offer refunds except as required by applicable consumer protection laws.
Usage rights
Digital products are licensed for personal use only. You may not:
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Resell, redistribute, or share the products
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Use them for commercial purposes
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Modify or create derivative works
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Share access credentials with others
Newsletter subscription
Subscription
Newsletter subscription is free and voluntary. You can unsubscribe at any time using the link in any newsletter email or by contacting us.
Content
Newsletter content is for informational purposes only and should not be considered as professional financial advice.
Disclaimers
No financial advice
Our content is for educational and informational purposes only. We are not licensed financial advisors, and our content should not be considered as professional financial, investment, or legal advice.
No guarantees
We make no guarantees about:
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The accuracy or completeness of our content
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Results from using our digital products
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The suitability of our advice for your specific situation
Use at your own risk
You acknowledge that any actions you take based on our content are at your own risk and responsibility.
Limitation of liability
To the maximum extent permitted by Swedish law:
No liability for damages
We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:
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Use of our website or services
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Inability to use our website or services
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Any errors or omissions in our content
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Any actions taken based on our content
Maximum liability
Our total liability to you for any claims shall not exceed the amount you paid for our digital products in the 12 months preceding the claim.
External links
Our website may contain links to external websites. We are not responsible for:
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The content or privacy practices of external sites
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Any damages or losses from using external sites
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The availability of external sites
Gumroad integration
Third-party processor
All payments for digital products are processed by Gumroad. We do not store or process payment information.
Separate terms
Your purchase transactions are subject to Gumroad's terms of service and privacy policy in addition to these Terms.
Customer support
For payment-related issues, contact Gumroad directly. For product-related issues, contact us.
Privacy
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information.
Modifications
Right to modify
We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website.
Notification
For material changes, we will provide reasonable notice through:
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Website notification
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Email to newsletter subscribers
Continued use
Your continued use of our website after changes constitutes acceptance of the modified Terms.
Termination
Your right to terminate
You may stop using our services at any time. To cancel newsletter subscription, use the unsubscribe link or contact us.
Our right to terminate
We may terminate or suspend your access to our website for violations of these Terms, with or without notice.
Effect of termination
Upon termination:
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Your right to use our website ceases
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Purchased digital products remain yours to use according to license terms
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These Terms remain in effect regarding past use
Governing law and jurisdiction
Applicable law
These Terms are governed by Swedish law, without regard to conflict of law principles.
Jurisdiction
Any disputes arising from these Terms or use of our website shall be subject to the exclusive jurisdiction of Swedish courts.
EU consumer rights
If you are an EU consumer, you retain any mandatory consumer protection rights under your local law.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Entire agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding use of our website and services.
Contact information
For questions about these Terms, contact us:
Email: support@neatsheet.co
Subject line: Terms inquiry