Terms & Conditions

Effective Date: November 15, 2025

By using the Pivot Edge Analytics website, templates, or booking services, you agree to the following terms:

1. Services Offered
We provide digital Excel templates and consultation services related to spreadsheet and financial modeling. All sales are final for downloadable products.

2. Usage
Templates are for personal or business use only and may not be resold, redistributed, or modified for resale.

3. Consultations
Consulting services may include advice, prototypes, or solutions. Scope is limited by the service tier booked. Larger custom projects may require a separate quote and agreement.

4. Payments & Refunds
All payments are processed securely via Stripe or PayPal. Templates are non-refundable. Consultation sessions may be rescheduled with 24 hours’ notice.

5. Intellectual Property
All content and tools are the intellectual property of Pivot Edge Analytics. Unauthorized use or reproduction is prohibited.

6. Liability Disclaimer
We are not responsible for any losses resulting from the use of our templates or services. Financial decisions should be made using your own judgment or a licensed advisor.

7. Modifications
We may update these Terms at any time. Continued use of the site indicates agreement with the latest version.