You will need a Google Account (also free) to access this spreadsheet.

You can access this spreadsheet through the Google Sheets app on a mobile device or through your browser on a computer or laptop.

This spreadsheet is for personal use only, commercial/public use of any kind is strictly prohibited.

Instant download. Once your payment is confirmed you will be able to download and access your spreadsheet instantly. No physical product will be shipped. You will receive a PDF file with a link that will take you to your spreadsheet.

Refunds: as this is an instant digital download all sales are final. We don’t accept returns, exchanges or order cancellations due to the nature of digital purchases

Colours: colours may very slightly in person/on digital devices due to the differences in colour calibrations of your device.

Copyright notice: this design and this spreadsheet is copyrighted by Haye Creatives. Your purchase of this product is for personal use only and commercial/public use of any kind is strictly prohibited. It is prohibited to resell, share, reproduce this product or distribute this product, either in part or in full, with or without modifications.

This spreadsheet is for informational use only. Haye Creatives cannot give any financial, tax or legal advice. Please do your own research and if needed contact a licensed financial advisor before making any financial decisions. Under no circumstances can or will Haye Creatives be held responsible for any costs, loss, damage or injuries (may it be direct or including without limitation indirect loss or damage) that result from the use of this spreadsheet.

Google Sheets: Neither this product nor Haye Creatives are affiliated with Google Sheets.