Terms of Service

Last updated: September 30, 2026

These Terms of Service (“Terms”) govern your use of the Worthory website and your purchase and use of products and services offered by Worthory (“we,” “us,” or “our”). By accessing our website or purchasing a product from us, you agree to these Terms.

1. Digital Products

Worthory provides digital products, including spreadsheets, templates, budgeting tools, financial organization tools, educational materials, and other downloadable or electronically delivered content.

Digital products are provided electronically and no physical product will be shipped unless specifically stated otherwise.

2. Personal-Use License

When you purchase or download a Worthory digital product, you receive a limited, non-exclusive, non-transferable license to use the product for your own personal use.

Unless we provide written permission, you may not:

• Resell or redistribute our products.
• Share purchased files with others.
• Upload our products to file-sharing websites or public repositories.
• Reproduce or distribute our products for commercial purposes.
• Modify a product and sell or distribute it as your own.
• Claim Worthory products, designs, or content as your own work.

Purchasing a product does not transfer ownership of our intellectual property to you.

3. Payments

Prices are displayed before checkout and are subject to change. You agree to provide accurate and complete payment and billing information when making a purchase.

Payment processing may be provided by third-party payment processors. Your use of those payment services may also be subject to the applicable provider's terms and policies.

4. Refunds

Because Worthory products are digital and cannot be physically returned, purchases are generally final after a product has been delivered or accessed.

Certain exceptions may apply, including duplicate charges, unresolved delivery problems, or material technical defects that we cannot resolve.

Please review our Return and Refund Policy for additional information.

Nothing in these Terms or our Return and Refund Policy limits any rights you may have under applicable consumer-protection law.

5. Financial and Educational Disclaimer

Worthory products and content are provided for general informational, educational, and organizational purposes only.

Worthory does not provide individualized financial, investment, tax, accounting, or legal advice. Our products are tools intended to help users organize and understand their own financial information.

Nothing provided by Worthory should be considered a recommendation to purchase or sell any investment, security, financial product, or service.

You are responsible for your own financial decisions. Consider consulting an appropriately qualified professional regarding your individual circumstances when necessary.

6. Accuracy and Results

We aim to provide useful and accurate products, but we do not guarantee that every spreadsheet, calculation, formula, template, example, projection, or other piece of information will be error-free or appropriate for every situation.

Financial examples, projections, illustrations, or potential outcomes are not guarantees of future results.

You are responsible for reviewing information and calculations before relying on them for important financial decisions.

7. Third-Party and Affiliate Links

Worthory may provide links to third-party products, websites, or services. Some links may be affiliate links, which means Worthory may receive compensation if you make a purchase or take certain actions through the link.

The presence of a third-party link does not make Worthory responsible for that third party's products, services, websites, policies, availability, or conduct.

Where required, affiliate relationships will be disclosed.

8. Intellectual Property

Unless otherwise stated, Worthory's original products, spreadsheets, templates, graphics, branding, written content, and other original materials are owned by or licensed to Worthory and are protected by applicable intellectual-property laws.

Unauthorized copying, resale, redistribution, or commercial exploitation of these materials is prohibited.

9. Prohibited Uses

You may not use our website or products for unlawful purposes, to violate another person's rights, to distribute malicious software, to interfere with the operation or security of our services, or to engage in fraudulent activity.

We may restrict access to our services when reasonably necessary to address misuse, fraud, security concerns, or violations of these Terms.

10. Availability and Changes

We may update, modify, discontinue, or replace products, features, pricing, or website content from time to time.

We do not guarantee that the website or any particular service will always be available without interruption.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Worthory and its owners, operators, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, or similar damages arising from your use of, or inability to use, our website, products, or content.

To the maximum extent permitted by applicable law, Worthory's total liability for a claim relating to a purchased product will not exceed the amount you paid to Worthory for the product giving rise to the claim.

Some jurisdictions do not allow certain exclusions or limitations of liability, so some of these limitations may not apply to you.

12. Changes to These Terms

We may update these Terms periodically. Updated Terms will be posted on our website with a revised “Last updated” date. Your continued use of our website after an update is subject to the then-current Terms, to the extent permitted by applicable law.

13. Governing Law

These Terms are governed by the laws applicable to Worthory's business operations, without limiting any mandatory consumer-protection rights that may apply to you based on your location.

14. Contact

Questions regarding these Terms can be sent to:

Worthory
hello@worthoryfinance.com