Terms of sale for instant spreadsheet downloads

1. Who you are buying from

The trader behind Vendwright is:

Vendwright
Vrijewade 40-129, 3439 PB Nieuwegein, Netherlands
Chamber of Commerce (KvK) number: 70123101
VAT identification number: NL002309273B30
Email: support@vendwright.com

Vendwright is a trading name. There is no phone line; email is the way to reach a person, and a person answers it.

Who your contract is with. With the trader named above, and with nobody else. Checkout runs on Payhip, a storefront and checkout tool operated by Payhip Limited (registered in England and Wales, company number 08386910, 167–169 Great Portland Street, 5th Floor, London W1W 5PF, United Kingdom). Payhip is not the seller and does not hold your money: under its own terms of service, payment is made directly to the seller by the buyer, through the seller’s own Stripe account. So the money goes to us, and so does the responsibility. We deliver the file, we answer the support email, we issue the refunds, and any chargeback you raise with your bank comes back to us — not to Payhip. Payhip’s own terms cover your use of its checkout and download pages; these terms cover the sale.

VAT on EU and UK sales. There is one part of the sale the platform does take on. Payhip states that when a consumer in the EU or the UK buys a digital product it acts as the seller’s reseller and is “100% responsible for digital EU/UK VAT”: it applies the rate for your country, collects that VAT inside the price you pay, and files it quarterly. That is consistent with the way EU law treats a platform that sets the terms of a sale and delivers the file — Article 9a of Implementing Regulation (EU) No 282/2011 makes such a platform the supplier for VAT purposes as a matter of law, not of contract. We are describing Payhip’s stated arrangement, not promising you what a third party files with a tax authority. It sits oddly next to the paragraph above, so to be clear about the line: the reseller framing applies to the tax on the sale, not to who owes you the file, the support or the refund. That is still us. Either way it changes nothing for you: the price on the product page is the price you pay, VAT included, and if the tax ever turns out to be ours to account for rather than theirs, that is our problem to sort out and not yours.

2. What you are buying

A spreadsheet template: a single .xlsx file that you download and keep. Specifically:

It is formulas only. There are no macros, no add-ons and nothing that connects to the internet.
It opens in Microsoft Excel, in Google Sheets (File → Import → Upload) and in LibreOffice Calc. Each product page states the oldest Excel version that file was checked against — 2010 for some, 2016 for others — and that page is the one to go by. Colours, fonts and chart styling look slightly different outside Excel, as they do with any spreadsheet.
It is not a subscription, an account or a service. Nothing expires and nothing is checked against a server.
There is no update service. What you download is the file as it stands on the day you buy it. If we publish a corrected version of a file you already bought, email us and we will send it.
Each product page describes what is in the file, including the sample data it ships with. That description is what you are buying; treat the page as part of these terms.

3. Price and payment

Prices are shown in euro on the product pages and already include EU or UK VAT where it applies, so the figure on the page is the figure you pay. The checkout confirms the total before you commit to it. You pay once; there is no recurring charge and nothing renews.

The card payment is taken by Stripe and paid into our Stripe account. Your card details go to Stripe and stop there: they are never sent to this site, and we never see or store them.

4. Delivery

Delivery is a download link, shown on screen once the payment clears and emailed to the address you gave at checkout. Payhip hosts the file and serves that link on our behalf; the obligation to get the file to you is still ours. It normally takes seconds. If the link does not arrive, check the spam folder, then email support@vendwright.com from the address you used and we will send the file directly.

5. Your 14-day right of withdrawal, and how instant downloads affect it

This is the part people most often get wrong, so it is set out in full.

If you are a consumer in the European Union — and, under equivalent rules, in the EEA and the United Kingdom — you normally have 14 days to withdraw from an online purchase without giving a reason.

Digital content that is downloaded rather than delivered on a disc is the documented exception. Under Article 16(m) of the EU Consumer Rights Directive (2011/83/EU) — in Dutch law, Article 6:230p(f) of the Civil Code (Burgerlijk Wetboek) — you lose that right of withdrawal once the download begins, but only if all of the following are true:

you gave your express prior consent for performance to begin before the 14-day period ended;
you acknowledged that by giving that consent you lose your right of withdrawal;
performance — the download — has actually begun; and
you are given confirmation of the contract on a durable medium.

How that consent is actually collected here. The Payhip checkout does not ask for it by default, so we added the question ourselves. Before you can pay, the checkout puts a required question in front of you — not pre-ticked, not optional, and deliberately not folded into a general “I accept the terms” box, because a bundled or pre-ticked box is not express consent. It reads:

“I request that the download starts immediately and I expressly consent to Vendwright beginning performance before the 14-day withdrawal period expires. I acknowledge that I therefore lose my right of withdrawal once the download begins.”

Agreeing to that, and then starting the download, is what ends the right. Your answer is stored against your order, and you can ask us for a copy of it at any time. The order confirmation the checkout emails you is the confirmation of the contract on a durable medium.

If that question was never put to you — a setting can be changed, a checkout can be rebuilt, mistakes happen — then the exception in Article 16(m) has not been satisfied and you keep the full 14-day right of withdrawal even after downloading. We will not argue that you waived something you were never asked about.

So, in practice:

You have paid but not started the download. Your 14-day right stands. Email support@vendwright.com within 14 days of the purchase, say you are withdrawing, and you get a full refund. You do not have to give a reason.
You agreed to the statement above and started the download. The statutory right of withdrawal is gone, because that is what you agreed to in exchange for getting the file immediately. What remains is section 6, which is our own policy, and section 7, which is a legal right that survives regardless.
You started the download and nobody asked you for that consent. The right survives. Email us within 14 days of the purchase and you get a full refund, no reason needed. If you are not sure which of these two you are in, say so in the email: we hold the record of what the checkout asked you and what you answered, and we will look it up rather than make you prove anything.

If you are buying as a business rather than as a consumer, the right of withdrawal does not apply to you in the first place.

6. Refunds

This section is our own policy, offered on top of the law, not instead of it.

The file is broken, will not open, or is not what the product page described. Email us within 30 days with what happened and which app you opened it in. We will fix the file or refund you in full. Your choice if we cannot fix it quickly.
You bought the wrong product, or bought the same one twice. Email us. We will refund it or swap it.
You downloaded it, it works, and you have simply changed your mind. There is no automatic right to a refund here, for the reason in section 5. Ask anyway, briefly explaining why: we would rather have a fair outcome than a grudge, and we would rather know what disappointed you.

We issue refunds ourselves, from the Payhip dashboard, back through Stripe to the card you paid with. That is the only route the money can take — we cannot pay you by any other method, because we never held your card details in the first place. Stripe’s timings then apply; the money is typically back with you within five to ten working days.

You can of course raise a chargeback with your bank instead. It is worth knowing that a chargeback lands on us rather than on the platform, and that an email usually settles the same thing faster and without either of us paying a dispute fee.

7. If the digital content is faulty

Separately from anything above, EU consumers have rights under Directive (EU) 2019/770 on contracts for the supply of digital content. In short: what we supply must match its description and work as a file of that kind reasonably should. If it does not, you can require us to bring it into conformity — and if we cannot, or do not do so within a reasonable time, you can ask for a price reduction or terminate the contract and get your money back. Consumers elsewhere have similar rights under their own law. Nothing in these terms limits any of that.

8. What you may do with the file

Buying one copy gives you a perpetual, non-exclusive licence to use the file for your own purposes — personal or business — including inside the organisation that paid for it. You may:

edit it, break it, rebuild it, unlock the formulas and adapt it to how you work;
keep copies on your own devices and in your own backups;
use everything it produces — your quotes, budgets, ledgers, reports — however you like, including commercially. Your data and your outputs are yours.

You may not resell, redistribute, sublicense, give away or publish the file itself, or a copy of it with cosmetic changes, whether free or paid. Do not upload it to template libraries, course materials or file-sharing sites. If you want to use it with clients, buy a copy per person who will hold the file, or email us and we will sort out something sensible.

9. Not professional advice

These are calculation and record-keeping tools. They are not tax, legal, accounting or financial advice, and no relationship of that kind is created by buying one.

Where a template refers to HMRC categories, Making Tax Digital, Schedule E lines, probate steps or anything similar, it is there to help you organise your own records. Rules change, and they differ by country and sometimes by region. Check your figures, and check anything consequential with an accountant, a solicitor or the relevant authority before you file it, sign it or rely on it. You are responsible for what you enter and for what you do with the result.

10. Liability

We take care with the formulas, and every one of them is visible so you can check our working. Even so, to the extent the law allows, our total liability arising from a purchase is limited to the amount you paid for that product, and we are not liable for indirect or consequential loss — lost profit, lost business, or a decision that turned out badly.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited — including a consumer’s mandatory statutory rights.

The site itself is provided as it is. We do not promise it will always be reachable, and we may change or withdraw products at any time. Withdrawing a product does not affect a copy you already bought.

11. Changes to these terms

We may update these terms. The version that applies to your purchase is the one published on the day you bought, and the date at the top of this page tells you when it last changed. We do not apply changes retroactively.

12. Law, and what to do if something goes wrong

These terms are governed by Dutch law, the law of the country where the trader named in section 1 is established. If you are a consumer, that does not cost you anything: you keep the protection of the mandatory rules of the country you live in, and you can bring proceedings there.

Start with an email to support@vendwright.com. Almost everything is settled that way, usually the same week. If it is not, an EU consumer can seek help from the European Consumer Centres Network (ECC-Net) in their own country, or from their national consumer authority. The European Commission’s online dispute resolution platform closed in 2025, so there is no longer a form there to point you at.

13. Contact

Questions about these terms, an order, a refund or a licence: support@vendwright.com. Include your order reference if you have one; it makes finding the purchase much faster.

How we handle the personal data involved in all of this is set out in the privacy notice.