These terms apply to every purchase from OPXVIA (opxviashop.com) and to every template you buy, download or use. They are the same terms included in every download, as the first tab of each workbook and as the PLEASE READ PDF.
This is a tracker tool only. It is not advice, and it is not an advisory service of any kind. It records and adds up what you type into it. It does not tell you what to do. All responsibility for how you use it, what you enter, and every decision you make lies with you, the buyer. By buying, downloading, copying, opening or using this template, you accept these terms.
A self-service spreadsheet for organising and calculating your own information. Every result is arithmetic on what you enter.
It is not financial, investment, tax, accounting, bookkeeping, legal, medical, health or any other professional advice. It is not tax-return, filing or payroll software, not a legal document, and not a medical device or care plan. OPXVIA does not know your circumstances and does not act for you.
You alone are responsible for checking every input, formula, figure, rate, date, rule and result before relying on it; for deciding whether you need a qualified professional, and consulting one; and for every financial, tax, legal, medical, business, family and other decision you make.
Every OPXVIA template is carefully built and tested. Because every person's situation, country and rules are different, the results are only as right as the information you enter. Check that they fit your circumstances before you rely on them.
Any rate, date or amount marked as an example, such as a tax rate, a mileage rate or a due date, is a placeholder. Replace it with your own and check it with the relevant authority.
OPXVIA is not responsible for results affected by incorrect or incomplete entries, formulas you change or delete, other software or spreadsheet versions, or anything changed after delivery.
To the fullest extent the law allows, OPXVIA is not liable for any indirect, incidental, special or consequential loss arising from buying, using, being unable to use, or relying on this template. OPXVIA's total liability is limited to the amount you paid for it. These terms apply as far as the law where you live allows.
For your own personal or business use. You may not resell, share or redistribute the template or its files.
Templates on these subjects also carry the matching note below.
Not tax, accounting or bookkeeping advice, and not tax-return or filing software. Tax rates, VAT, GST and sales-tax rules, thresholds, mileage rates and deadlines vary by country, state and city and change over time. Confirm everything with your tax authority or a qualified accountant.
Not financial, credit or debt advice, and it does not recommend any payment plan or financial product. Payoff dates and totals are arithmetic on your numbers, not predictions. Check your balances and terms with your lender.
Not investment, tax or retirement advice, and it does not recommend buying, selling, holding or withdrawing anything. Cost basis, gains and withdrawal figures are arithmetic on your entries. Tax treatment varies; consult a qualified professional.
A personal log only. It does not diagnose, treat or monitor any condition, and it is not a substitute for professional care. Discuss your health with a qualified clinician, talk to a doctor before starting a new exercise programme, and in an emergency contact your local emergency services.
Not legal advice and not a legal document. Laws on divorce, estates, probate and custody vary by place. Consult a qualified lawyer. If you record sensitive information, you are responsible for keeping the file secure.
Nothing in these terms affects your statutory rights as a consumer.