Terms of Sale

Last updated: November 10, 2026

1. Seller

Eduardo Coelho Nogueira, an individual (natural person), with an address at Rua Cabral, 2007, Aeroporto, 79332-030 Corumbá (MS), Brazil. Contact: [email protected]. More details in the Legal Notice.

These terms apply to all purchases made on this site. By paying, you confirm that you have read and accept them.

2. Product

“Monthly & Annual Budget” is a digital template in Excel (.xlsx) format, with a Google Sheets version. It includes the “Savings Goals” template as a free gift. It is not a physical product or a subscription.

It works in Microsoft Excel (2016 or later and Microsoft 365, on Windows and Mac) and in Google Sheets, which is free with a Google account. It may work with limitations in other spreadsheet programs.

3. Price and payment

The price is the one shown on the page at the time of purchase: €14.95 in Spain and US$9.90 in Latin America and the rest of the world. It is the final price, including any applicable taxes, and you pay it only once: there are no recurring charges.

Payment is processed securely by Stripe (card, Apple Pay, Google Pay and other available methods). We do not store your card details. On the payment page and on your card statement, the charge appears as PROVADO SEO, the trade name of CuentaClara's owner. If you pay in a currency other than your card's, your bank may charge you a currency conversion fee.

4. Delivery

Delivery is immediate and digital only. Right after payment, you are redirected to your access page, where you can download the files and open the Google Sheets version. You will receive the receipt and a message with the link to that page at the email address you entered when paying; keep it so you can download the templates again.

If you don't reach the access page or something goes wrong, email us at [email protected] with the email address you used for the purchase and we will send you the files.

5. License

Your purchase gives you a personal, non-transferable license: you may use, modify and print the templates for your own finances or those of your household. You may not resell them, share them publicly, distribute them or pass them off as your own, whether for free or for a fee.

6. Right of withdrawal

The templates are digital content delivered immediately. By paying, you give your express consent to receive access right away and acknowledge that, once delivery has begun, you lose the 14-day right of withdrawal granted to consumers in the European Union (Article 16(m) of Directive 2011/83/EU; in Spain, Article 103(m) of the Ley General para la Defensa de los Consumidores y Usuarios, the Spanish consumer protection law).

7. Refunds

Because a downloaded file cannot be returned, we do not refund a template that has already been downloaded because you changed your mind. We do refund your money in these cases:

• Duplicate purchase: if you paid twice for the same product by mistake, we will refund the duplicate purchase. Email us within 30 days.
• Payment without access: if you paid and we are unable to give you access to the files, we will refund the full amount.
• File that doesn't work: if the template is damaged or does not work in a compatible program (section 2), we will fix it or send you a new one. If we cannot do so within 14 days of your notice, we will refund the full amount.

How to request it: email [email protected] with the email address you used for the purchase and a brief explanation. The refund is made to the same payment method, and your bank may take 5 to 10 business days to show it.

8. Updates

Any improvements to the templates that we release will be available on your access page at no extra cost.

9. Liability

The templates help you organize your finances, but they are not financial, tax or investment advice. Results depend on the data you enter and how you use the information.

10. Personal data

We process your data in accordance with the Privacy Policy.

11. Complaints

For any problem with your purchase, email us at [email protected]. We reply within 2 business days at most and always look for an amicable solution. If you are not satisfied, you can contact the consumer protection services in your country.

12. Governing law

These terms are governed by Brazilian law. If you are a consumer, you keep the protection of the mandatory rules of your country of residence and may bring a claim before the courts where you live when the law so provides.