1. About us

Smart Budgeting is a digital product brand operated by Ayadi LLC. By accessing our website or purchasing our products, you agree to be bound by these Terms of Service.

If you have any questions, contact us at hello@thesmartbudgeting.shop

2. Our products

Smart Budgeting sells digital products — specifically Google Sheets budgeting templates delivered via a PDF with a Google Sheets access link.

All products are delivered digitally and instantly upon purchase. No physical product will be shipped.

3. License & permitted use

When you purchase a Smart Budgeting template, you receive a personal, non-transferable license to use it for your own personal financial management.

You are permitted to:

• Make a personal copy of the template in your Google Drive
• Customize the template for your personal use
• Use the template on multiple devices for your own use

4. Prohibited use

You are not permitted to:

• Share, distribute, or give access to the template to anyone else
• Resell, sublicense, or commercially exploit the template
• Claim the template as your own creation
• Use the template to create a competing product
• Remove or alter any copyright notices within the template

Violation of these terms may result in legal action under applicable copyright law.

5. Intellectual property

All Smart Budgeting products, designs, content, and materials are the intellectual property of Ayadi LLC and are protected by copyright law.

Unauthorized reproduction or distribution of our products is strictly prohibited and may result in legal action.

6. Refunds

We offer a 7-day satisfaction guarantee. If you are not satisfied with your purchase within 7 days, contact us at hello@thesmartbudgeting.shop for a full refund.

Please refer to our Refund Policy for full details.

7. Disclaimer

Smart Budgeting templates are designed to support personal financial awareness and organization. They are not a substitute for professional financial advice.

Results may vary. We do not guarantee specific financial outcomes from the use of our products.

8. Limitation of liability

To the fullest extent permitted by law, Ayadi LLC shall not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use our products.

Our total liability shall not exceed the amount you paid for the product.

9. Changes to these terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of our products after changes constitutes acceptance of the new terms.

10. Governing law

These Terms of Service are governed by the laws of the jurisdiction in which Ayadi LLC is registered. Any disputes shall be resolved in the appropriate courts of that jurisdiction.

11. Contact us

For any questions about these Terms of Service: