Terms & license

Brand and support: Margin & Flow Administration. Legal operator: Žygimantas Kalniūnas, M. Sleževičiaus g. 14, Vilnius, Lithuania. Contact: support@getmarginandflow.com. Administration is a contact label, not a separate legal entity.

Product

English .xlsx financial planning workbook in USD or EUR. Manual inputs, product economics, offer comparisons, monthly results, cash forecasts and fictional examples. Not accounting, tax filing or professional advice.

License

Following valid purchase, use and modify the template internally for one business, including staff and advisers serving that business. Your data remains yours. Share your own exported reports, but do not redistribute, resell, sublicense or publish the reusable template. Separate client businesses require separate licenses unless agreed in writing. No exclusive rights over general formulas or third-party material are asserted.

Requirements

One currency, manual inputs, no automated integrations or inventory management. Google Sheets support and exact-workbook Excel runtime compatibility are not certified. Internal testing is not independent financial audit. Do not rely on the template alone for taxes, accounting, borrowing or investment decisions.

Payment and delivery

Payment and digital delivery use Lemon Squeezy checkout. Final price, currency, taxes and transaction terms are displayed before payment. Access files through your order after successful payment. The intended purchase is one-time, not a subscription unless expressly stated at checkout.

Support

Email support covers download issues and reproducible template defects. Customization, bookkeeping and financial advice are excluded. No fixed response time, perpetual updates or future features are guaranteed.

Refunds and rights

No blanket no-refunds policy applies. Mandatory remedies for non-conforming digital content and withdrawal rights where applicable remain unaffected. Immediate delivery consent and required acknowledgements must be handled by the actual checkout. Contact support for problems. Nothing excludes rights or liability that cannot lawfully be excluded.

Limitations

Examples are fictional and outputs depend on entered assumptions. No profit or saving is guaranteed. These terms are not a claim of legal certification.